Full Show Podcast: 07 September 2026

Episode Transcript
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Speaker 1 (00:09):
You're listening to a podcast from Newstalk ZB. Follow this
and our wide range of podcasts now on iHeartRadio. The
big stories, the big issues, the big trends, and everything
in between. Matt Heath and Tyler Adams Afternoons. Newstalk ZB.

Speaker 2 (00:28):
G'day to you. Welcome into Monday's show. Hope you had
a wonderful weekend, whatever you got up to. But great
to have you listening in today. Matt Heath, how you doing?

Speaker 3 (00:38):
Very good. Thank you, Tyler Adams.

Speaker 4 (00:40):
I'm coming to you live from the pretty city, my
hometown of Dunedin. I'm just looking from the palatial award-winning
Kellerman P studio, looking over towards the octagon there.

Speaker 5 (00:52):
Lovely.

Speaker 4 (00:52):
What a beautiful town. Beautiful blue skies here. Had a
fantastic weekend down here. A wonderful wedding. On weddings, can
I just say something really quickly?

Speaker 6 (01:02):
Please.

Speaker 4 (01:02):
The tying cans to the back of the car is
and continues to be a great gag. when the bride
and groom pull out in the car. I don't know
who did that the first time. It would have been
the first person that did that gag, and it was
just such a good gag that it's just continued on forever.

Speaker 2 (01:18):
It's a winning strategy.

Speaker 4 (01:19):
It still brings hilarity to this day.

Speaker 2 (01:21):
Exactly.

Speaker 4 (01:24):
As I said, I'm down here in Dunedin, and best
wishes to Aileen and Rowan. on their nuptials.

Speaker 1 (01:31):
Nice.

Speaker 4 (01:31):
A couple of great New Zealanders, one of them being
my nephew. Now, I'm down in Dunedin, and I was
reading the Otago Daily Times across the weekend, and they
do this fantastic thing called 100 Years Ago Today.

Speaker 1 (01:44):
Right.

Speaker 4 (01:45):
And it's just a story that was exactly 100 years ago.
And this story just really shows the difference between now
and 100 years ago.

Speaker 1 (01:55):
Okay.

Speaker 4 (01:56):
I'll read it to you.

Speaker 7 (01:57):
Please.

Speaker 4 (01:58):
A disastrous fire which accomplished the complete destruction of the stewards'
stand at the Wingatua race course occurred on Saturday.

Speaker 3 (02:06):
Shall I continue in the yelledy voice?

Speaker 2 (02:08):
Yeah, I think so. Yeah, add to it.

Speaker 4 (02:09):
The building, which was a three-storied brick one, comprised the
jockeys changing rooms and weighing in rooms and the general
officers on the ground floor, the stewards' owners and trainers' stands,
the press room and the stands, stewards' reception and luncheon
rooms on the second floor. whilst the top floor was
occupied by the member stand. So that whole area is
on fire, okay?

Speaker 8 (02:29):
Okay.

Speaker 4 (02:30):
The first indication of anything wrong was noticed from the
lawn about five minutes past two, when a thin wisp
of smoke was seen issuing from the southern end of
the roof of the building. The intention of those in
the stand was quickly drawn to this, and in a
short space of time, the upper stories were vacated, but
not before the blaze had obtained a good halt.

Speaker 3 (02:51):
Okay, so the stand, everything's on fire.

Speaker 9 (02:53):
Right.

Speaker 3 (02:53):
And then, Okay.

Speaker 4 (03:08):
Another quarter hour of an hour saw the blaze sprinting
along the upper stories against the strong northeast breeze, which
was blowing. And in a half of an hour, the
whole of the upper portion of the building was a
raging furnace. Dense clouds of billowing smoke completely obscured the
public stands and showers. of burning cinders covered the lawns.

(03:30):
The fire raced down until the whole stand was an inferno,
spouting great tongues of flame 60 feet into the air.
At this period, the heat was so intense that it
was difficult to approach within 100 feet of the blaze.
Now it gets interesting. The verandas collapsed with a crash,
and sheets of red-hot iron sailed through the air to
land 20.

Speaker 3 (03:50):
Yards or more.

Speaker 7 (03:52):
Away.

Speaker 3 (03:53):
In another hour, what had.

Speaker 4 (03:54):
Been a handsome and well-constructed building was a smoking gutted ruin. Now,
this is the great bit, okay?

Speaker 7 (04:01):
Okay.

Speaker 4 (04:01):
And this would be very different today. So you've heard
that huge inferno went up.

Speaker 2 (04:07):
Beautiful turn of phrase in that story.

Speaker 4 (04:10):
Incredible stands. The writing's amazing. All the back room, the offices,
everything is burned to the ground.

Speaker 1 (04:19):
Yes.

Speaker 3 (04:20):
And this is how the story continues.

Speaker 4 (04:22):
The Hunt Club is to be congratulated on the way
in which it carried out its program despite the setback.

Speaker 3 (04:27):
So they continued on.

Speaker 4 (04:28):
The fire broke out just as the Jockey Club handicap
was time to start. But the horses got away after
a comparatively short delay of 20 minutes. In the circumstances,
this was highly credible.

Speaker 3 (04:42):
Creditable.

Speaker 9 (04:43):
So.

Speaker 11 (04:46):
So.

Speaker 4 (04:46):
The whole thing burnt to the absolute ground, the stand,
and they just went on with the races.

Speaker 11 (04:53):
Oh, amazing.

Speaker 3 (04:53):
Very different, isn't it?

Speaker 2 (04:54):
Yep, just a 20-minute delay, and then on.

Speaker 4 (04:56):
With the races. Officials immediately, they learned of the outbreak,
established a temporary weighing-in area in Secretary's office in the
Birdcage to the satisfaction of all concerned. It was thought
by many that the crackle and the burning stands and
the collapsed building combined with this smoke would interfere seriously
with the horses.

Speaker 3 (05:17):
This did not occur. So there you go. So they
just went on with it. It was 100 years ago.

Speaker 5 (05:21):
Yep.

Speaker 2 (05:23):
That is incredible can-do attitude within that story. I mean,
just when you talked about the plucky band of firemen
with the hose, the garden hose trying to put out
this massive inferno.

Speaker 4 (05:33):
Well, the great thing about it is if you see
the picture in the paper, everyone's got like a bowler
hat on. But everyone just got out of the stand
and they watched it collapse and then they turned around
and watched the.

Speaker 3 (05:43):
Rest of the races.

Speaker 2 (05:44):
And I'm sure there would have been some polite applause
after the races. So well done. We'll sort out the
burnt down stadium another time.

Speaker 4 (05:51):
And now if two aircraft fly over the top of
a stadium in a planned maneuver and no one gets hurt,
everyone complains until everything's banned.

Speaker 1 (06:01):
Exactly.

Speaker 2 (06:02):
We need to go back to that. What was that
100 years ago, 1926? 100 years ago yesterday. Yeah, how good.
That was brilliant. And the voice, spot on, by the way.

Speaker 4 (06:10):
Oh, thank you.

Speaker 1 (06:11):
Yeah.

Speaker 2 (06:11):
A little bit of QE2 in there, but I thought
it added to the imagery of what they probably sounded
like on that day. Yeah, very good.

Speaker 7 (06:19):
Love that.

Speaker 2 (06:20):
Right, let's get into this particular topic. So we want
to talk about the National Party. It is promising to
increase first-time buyers' access to low-deposit mortgages if elected. Housing
spokesman Chris Bishop said the policy would help National achieve
its goal of increasing home ownership rates back to their
historical peak when about 74% of households or people owned
their own home. So that milestone was reached in the

(06:41):
early 1990s. Their home ownership rate today is around about 66%.
So National will widen access to that 5% deposit. by
extending the income cap to $ 300, 000. Currently, it has an
income cap of $ 95, 000 for an individual or $ 150, 000 for
a couple or a single person with children. And last
year alone, 7,700 applications were approved through this particular scheme.

Speaker 4 (07:07):
It does seem incredibly difficult to get a 20% deposit
whilst you're paying rent and living your life and everything.
And this still checks that you're capable of paying off
the loan as opposed to getting to the 20% deposit
is testing whether you can get to a 20% deposit.

(07:29):
But if you can service the loan, then it seems
a little unfair to not give people the loan, doesn't it?
I mean, obviously, they're going in there with less equity
and they're going to be paying that loan off for
a longer time. But a lot of first home owners
are young, so they do have a long.

Speaker 3 (07:45):
Time to pay it off.

Speaker 1 (07:46):
Yeah.

Speaker 4 (07:47):
So, you know, what do you think about this? I mean,
if you've been saving the 20% and you're up to 7%,
you'd be pretty happy by this, wouldn't you?

Speaker 2 (07:54):
That's right.

Speaker 4 (07:55):
And the threshold being moved up to $ 300, 000. Because the
threshold was pretty low, wasn't it?

Speaker 2 (08:00):
Super low. So $ 95, 000 for one person and $ 150, 000 for
a couple. And they quite rightly argued that if you
have a teacher, two teachers in a relationship, and they're
both on about sort of 90, then they're out of
that cap range. And for an individual, you've got a
junior doctor, they're on 96,000. So a junior doctor who

(08:21):
can't get 20%, and at that particular salary, that is
difficult to do for an individual. So I think it
makes sense to blow it out to $ 300, 000. But what
do you say? Oh, $ 800, 000, $ 80, 000, $ 10, 000, $ 80, 000 is the
number to call.

Speaker 3 (08:34):
It is an interesting thing. I saw this.

Speaker 4 (08:37):
It was an Australian guy, and he was talking about–
it was actually an Irish economist talking about the New
Zealand economy being so based on housing and saying our
current problems are that we just thought house prices would
go up forever, and that was our big economy thing.
But this Australian commentator was just talking about how in
Australia and New Zealand, from the second you're born, someone whispers,

(09:00):
have you got a house yet?

Speaker 1 (09:01):
Yep.

Speaker 3 (09:01):
So true.

Speaker 1 (09:01):
Are you looking at a house?

Speaker 4 (09:02):
When are you buying a house? And there's such an
incredible pressure across our lives to buy houses, and we
don't feel like we have really started, you know, got
a foothold in life or achieving really anything until, strangely,
until we buy a house. So is that the right attitude?
I mean, if you're young, is that what you should
really be trying to do? You should be trying to

(09:23):
sign yourself up to a massive mortgage for the rest
of your life, starting with only a 5% deposit.

Speaker 12 (09:29):
Yeah.

Speaker 3 (09:29):
I mean, is that the right course of action?

Speaker 4 (09:31):
Yeah.

Speaker 2 (09:31):
Tell us your thoughts. 0800 8010 89292 is the text.
If you've gone through this process or you are trying
to save your deposit right now, we're really keen to
hear your story and whether this would help a lot.
It is 16 past one. You're listening to Matt Heath
and Tyler Adams back in a few moments.

Speaker 1 (09:48):
The big stories. The big issues. The big trends. And
everything in between. Matt Heath and Tyler Adams Afternoons. Newstalk ZB.

Speaker 2 (09:57):
Newstalk ZB. It is 18 past one. And we're talking
about Nationals Promise to expand the eligibility for their low
mortgage rate of 5%. So currently it's $ 95, 000 for an
individual or $ 150, 000 for couples. They're going to blow that
out to $ 300, 000 to take advantage of that 5%. So

(10:18):
is this something that would have helped you or will
help you if you're a first-home buyer? 0800 80 1080
is the number. Too cool. This texter says, G'day, guys.
Just want to put my two cents forward about the
deposit for the houses. Being around a lot of buying
and selling houses, you need to have 20% or more.
You shouldn't be in position to buy a house on 5% deposit.
It's too much stress for That's going to be imposed

(10:41):
on that couple or individual. There'll be more problems with
the bank closing on it and more problems and stress
down the line.

Speaker 4 (10:49):
Well, will there be more problems with the bank closing
on it? Because they're still testing whether, you know, going
through all the tests, whether they believe you can pay
it off.

Speaker 2 (10:57):
That's right.

Speaker 4 (10:59):
So they're not going to be giving just, you know,
they're still going to be very, very, very diligent on
making sure that you can pay it off.

Speaker 3 (11:07):
And, you know, a person.

Speaker 4 (11:10):
earning $ 300, 000 a year, you know, a couple earning $ 300, 000
a year or whatever, then, you know, and they're buying
like a $ 650, 000 house or something.

Speaker 2 (11:19):
Yeah.

Speaker 3 (11:20):
Then, you know.

Speaker 7 (11:22):
That's right.

Speaker 2 (11:22):
I mean, the banks have still got that.

Speaker 4 (11:23):
You feel like, you know, they're still going to do
the full due diligence on you.

Speaker 2 (11:28):
That's right, yeah. 0800 80 1080 is the number to
call and keep those texts coming through on 9292. Briar,
how are you?

Speaker 3 (11:35):
Oh, good, thank you.

Speaker 13 (11:36):
And actually, Matt, congratulations on that article.

Speaker 5 (11:39):
That was brilliant.

Speaker 14 (11:40):
And as we would say, the show must go on.
And it clearly did.

Speaker 13 (11:47):
Not like today. But anyway, so.

Speaker 4 (11:49):
Especially with big iron girders firing into the air and
they're still doing that.

Speaker 14 (11:54):
Oh, the four horses, well, they actually probably did two flying.

Speaker 4 (12:01):
No, sheets of red-hot iron sailed through the air to
land 20 yards away.

Speaker 3 (12:06):
But no, keep the race going. We'd hate to stop
the race.

Speaker 14 (12:10):
I wondered, were the bowler hats there for protection? Because
they mentioned the bowler hats in the article.

Speaker 5 (12:16):
I just wondered.

Speaker 1 (12:17):
Yeah.

Speaker 13 (12:18):
Anyway, that was really good, and I do love those,
because I do think they're quite pathetic now. So I
just want to point out, We bought our house like
years and years and years ago because we're older. And
I had saved $ 5, 000 in bonus bonds. And my husband
had it. But he had a business that we could

(12:39):
draw on even though we didn't have any money in it.
But we went back and lived at his parents' house.
Or we went up to my parents' who lived out
of town for the weekend. So we saved and saved to...
get more money we didn't buy things we went to
Tuesday movies only and it was only a really good
movie so we only spent like $ 3 so and then

(13:02):
the KiwiSaver these guys get their KiwiSaver money as well
so I really I find it difficult to see that
they can't save for a deposit because I don't think
they really try that hard to save but they're allowed
to draw their KiwiSaver out Yet, right now, we've started

(13:25):
a brand new business. We're quite a bit older. And
we've got a substantial amount in KiwiSaver, but we're not
allowed to get that to help us out at this time.
We're supposed to borrow and get ourselves more on the ship,
even though we, you know, like, we might not even

(13:47):
make retirement. So, I don't understand the way that they're...
that it's sinking?

Speaker 10 (13:56):
Is it because, I mean, basically.

Speaker 13 (13:58):
We've had rental properties before and everybody who rents has
an animal. And to me, they don't, they do Uber Eats.
They don't seem like they're really saving that hard for
a deposit. So I don't know. I mean, I think
it's great that we're trying to get young people to

(14:19):
buy homes. and things, but aren't you really trying that
hard to get their deposit?

Speaker 3 (14:26):
Well, it would be good to hear from some people.

Speaker 4 (14:29):
Maybe 0880, 1080, if you are saving for a deposit,
how hard are you going? Does that mean not having
Uber Eats? Does that mean not having a pet? Because
pets are expensive, that's for sure.

Speaker 13 (14:40):
Yeah, and some people really do try hard, but do
they try as hard as what we had to try?
You know, going back and living with... Extended family is
not always fun, but, you know, and you don't buy
great furniture. You just have hand-me-downs.

Speaker 5 (14:59):
I don't know.

Speaker 13 (15:01):
I don't know. That's just my take.

Speaker 2 (15:04):
Yeah, interesting point, Briar, and thank you very much for
your call. I mean, whether there's some room there for
people who want to get on the property ladder to
do less in their lives so that they can have
more to save up. I just think from our perspective,
and it's way different today than when we tried to
save 20%, and the bank wouldn't lend to us unless
we got to 20%. Luckily, I had my KiwiSaver that

(15:24):
was pretty close to my half, and my partner Maeve,
she was fiancé now. She was a bit short, so
luckily she got a bit of help from her parents.
But the issue there was, and it was a hot
property market, but the price or the mortgage that we
needed from the bank kept changing because we low-balled the
first couple of offers. But as the prices of the

(15:46):
property started to go up, Oh, yeah. Then we had
to re-go back to the bank and say, hey, the
400 is not going to cut it anymore. We need
a little bit more, and then a little bit more.
So you've really got to move fast. And if you
don't have that deposit there at the time, and this,
I think, is what a lot of first-time buyers are feeling,
and please, we want to hear from you, 0800 80 1080,
that it keeps changing. The market keeps changing, and it's

(16:09):
different now because it's starting to go back a little bit.
But when prices keep going up and you can't save
to the ability that the prices are rising, That makes
it incredibly difficult.

Speaker 3 (16:20):
Well, yeah.

Speaker 4 (16:21):
I mean, the deposit difference here is enormous, right? So
the median sale price in July 2026 in New Zealand
was $ 760, 000.

Speaker 3 (16:28):
So a 20% deposit on that is $ 152, 000. A 5%
deposit is $ 38, 000.

Speaker 4 (16:29):
So if you're under that $ 300, 000 threshold, that's $ 114, 000 less
that a buyer has to save before purchasing.

Speaker 1 (16:33):
Yeah, right.

Speaker 3 (16:33):
If they can prove they can pay off the.

Speaker 4 (16:48):
You know, they convince the banker that they're a good bet.

Speaker 2 (16:53):
Yeah, it's a lot of cash, isn't it?

Speaker 3 (16:54):
That's a huge difference.

Speaker 2 (16:55):
Yeah, heck yeah. 0800 80 1080 is that number to call.
So if you're a first home buyer, you've just been
through that process, what would this change in policy mean
for you? And if you're a parent of kids trying
to get on the property ladder but you can't help
them out financially, what would this mean for you as well?
Tell us. 9292 is that text number. It is 26
past 1.

Speaker 1 (17:15):
Fearless. Focused. Informed. It's the Mike Hosking Breakfast.

Speaker 15 (17:20):
5% deposit for first-home buyers. The income cap gets bumped
to $ 300, 000. David Cunningham runs squirrel mortgages. Is this going
to make a material difference?

Speaker 1 (17:28):
A little bit, yeah. I mean, the caps are too
low at the moment.

Speaker 16 (17:30):
Raising them to $ 300, 000, it really opens it up to
most young Kiwis looking to buy a home and gives
them access to what's a really good scheme.

Speaker 15 (17:37):
Are there many people who would come to you with
$ 300, 000 between the two of them?

Speaker 16 (17:42):
People that are in, you know, good professions, they might
have been overseas. People are certainly pushing well over the
current cap. Look, the existing caps are way too low.
You could argue there doesn't need to be a cap
at all, to be honest.

Speaker 15 (17:53):
Back tomorrow at 6am, the Mike Hosking Breakfast with Range Rover.

Speaker 3 (17:57):
Newstalk ZB.

Speaker 2 (17:57):
28 past one, and that's what we're talking about. National
will widen access to 5% deposits from the government by
extending the income cap to $ 300, 000. Would this help you
or your children who have been trying to get on
the property ladder? 0800 80 1080 is the number to
call and 9292 is the text. Plenty of text coming through.

(18:17):
This one says, G'day, guys. There should be no excuse
for not buying your own home. My 18-year-old son still
lives at home but is looking at buying his first home.
Nothing flash. He has worked so hard since he was
12 years old, mowing lawns, after-school jobs. Now he is
a first-year electrical apprentice. He's just saved over $ 70, 000. He
wants to buy a three-bedroom home and rent the other
two bedrooms to his friends. It's all about attitude, sacrifice,

(18:40):
and hard work. That's from Paul.

Speaker 4 (18:44):
Yeah, I mean, but it's not... It depends where you are, right?
So if you have to buy a home for.

Speaker 3 (18:50):
$ 800, 000.

Speaker 4 (18:51):
Then you can be doing that sacrifice and hard work,
but you're still having to pay rent potentially. It's pretty hard, right?
So to get to $ 152, 000 for a $ 760, 000 home, I mean,
is it so bad if someone just scrimps and staves
to get to the $ 38, 000, the 5%, and then they're
in their home and they're solid and working towards their

(19:15):
future and putting their money towards their mortgage rather than
towards rent and saving, if you see what I'm saying.
They get into a position where that rent that they're
currently paying is going towards their mortgage as opposed to going, well, going.

Speaker 3 (19:29):
To their landlord, right?

Speaker 17 (19:30):
Yeah.

Speaker 2 (19:31):
I mean, it makes logical sense to me.

Speaker 4 (19:33):
So, you know, you can have an awesome son like
your one, Paul, but why couldn't he have gone to
a home earlier?

Speaker 8 (19:39):
Yeah.

Speaker 11 (19:39):
Yeah.

Speaker 2 (19:40):
And when you break it down from it, I mean,
if you manage to save $ 200 a week, that's $ 10, 000
a year. So to get to that $ 38, 000, that's still three,
the better part of four years. And that's $ 200 a week,
you know, for a lot of young people. Tell me
if I'm wrong, but that's quite a significant amount of money.
You double that to 400 then you break that down
into two years but to get to 150 000 that

(20:00):
is going to take you at least seven or eight
years is it not yeah yeah keep those texts coming
through on.

Speaker 4 (20:07):
9292 here's a text on another topic um i don't
want to derail the topic and i want to hear
i want to hear from young people pushing back on
the idea that young people aren't capable of saving because
we've had a few texts through saying the problem is
that they're not dedicated to saving. That's why they're not
doing it. But I'm pretty sure there's people out there
that are saving pretty hard for their deposits. But this

(20:30):
is on another topic. Hey, guys, I'm all for the
Greens taking 120 stores off Woolworths and turning them into
Soviet superstores. The Greens are pro-shoplifting. So we can all
just go in and fill our boots. The Greens aren't
going to hassle you for rolling your trolley out the
door without troubling the checkout.

Speaker 2 (20:46):
Right, great tech. So that's a tick for the Green
supermarket idea. Everybody shoplift, right? Keep those coming through as well.
But taking your calls, 0800 80 10 80. And as
Matt said, for young people out there, do you agree
with that previous caller that you're not saving hard enough
compared to previous generations? You're buying too many things. Is
that true?

Speaker 4 (21:03):
Do you agree that you're lazy and materialistic? and not
focused on setting up your life.

Speaker 3 (21:10):
Do you agree with that? Yeah. 880, 1080.

Speaker 2 (21:13):
Right, headlines coming up. It is 28 to 2. Newstalk
ZB headlines.

Speaker 11 (21:19):
With Your Ride, New Zealand's number one taxi app. Download
Your Ride today. Port of Tauranga has the green light
for its stellar passage development to extend each wharf hundreds
of metres, install new container cranes, and let larger ships berth.
The government's announced the first investments from the Gas Security Fund,

(21:40):
approving $ 23. 5 million in loans to Todd Energy for Taranaki
gas well projects. A Darfield angler has been fined almost
$ 2, 000 after fishing without a licence in the Mackenzie Basin
at the Ohau A Canal last December. And a New
Zealand flight from New Plymouth has been met by emergency

(22:01):
services in Christchurch after a precautionary engine shutdown. It landed
safely and the aircraft will now be assessed by engineers.
Hundreds of nurse-mord workers who provide home and palliative care
are striking today and next Monday over pay talks and
plans to cut two days' sick leave. A documentary screening

(22:22):
on TVNZ is looking into the infamous Beckenridge father and
son disappearance from the Catlins more than a decade on.
Why Red Bull have no choice but to keep Liam
Lawson next year? You can see the full column at nzherald.co.nz.
Back to Matt Heath and Tyler Adams.

Speaker 2 (22:39):
Thank you very much, Raylene. And we're talking about Nationals
Promise to expand the 5% deposit scheme that is currently
on offer. So at the moment, if you earn over
$ 95, 000 as an individual or $ 150, 000 as a couple, you're
not eligible. They want to extend that out to $ 300, 000.
Would that make a difference for you or your kids?
0800 8010 80 is the number.

Speaker 4 (23:01):
There's someone unfairly hassling your math here, Tyler. They're saying
$ 200 per week would take 15 years to get to $ 150, 000.
That's from Sam. Well, Sam, the thing is that it
would now be around $ 38, 000. That was your point, right?
The deposit difference would change. So if we're just going
from the national medium of $ 760, a 20% deposit is

(23:22):
$ 150, 000 too. And a 5% deposit is $ 38, 000. So you're
really saying once this change comes in, or if this
change comes in, and it looks like Labour's keen to
do a similar thing as well now. Yes. But if
this comes in, then it's a lot less time to
save $ 38, 000, obviously, for $ 200 a week.

Speaker 1 (23:43):
Exactly.

Speaker 2 (23:44):
That kind of makes my point. That's what I was
exactly saying is four years to get to $ 38, 000. And
as Sam's already calculated, 15 years, that's a big difference
there if you're a first-time buyer.

Speaker 4 (23:54):
A little off topic, says this texter, I bought my
first home in 2007 solo for 650k, saved deposit myself
and KiwiSaver, then followed conventional wisdom, used equity and bought
a rental property in last year. I am beginning to
wonder if market fundamentals have changed and property market won't
return to what it used to be and scare people
to rather invest in the stock market. A bit of
a reverse 80s crash, which saw people swear off the

(24:16):
shares and go all in on property.

Speaker 3 (24:19):
Yeah, that's an interesting one.

Speaker 4 (24:20):
People that bought at the peak, you know, at the
end of COVID, When the whole economy was overheated and
is now nowhere near getting– looking at being a very
long time before they can sell their house for what
they bought it for and people in negative equity, it
might be the case that people have been burnt on
property and don't go back into the same levels as

(24:41):
they did before. But I do think it's a thing
that New Zealanders, in our souls, we want to own property.

Speaker 2 (24:47):
It's your own little bit of paradise, isn't it? That's
what we've been told for generations. Is that starting to change?
Tell us. Oh, at 180, 1080 is the number to call. G'day, Sava.

Speaker 18 (24:56):
Hey there.

Speaker 1 (24:56):
Hi.

Speaker 2 (24:57):
Now, you took advantage of this particular scheme, is that right?

Speaker 19 (25:01):
Not just yet, not just yet. I know someone who is,
and I know that I have confidence that in the
very near future I will as well. I think it's
a big... a big game changer when I found out
about it I was like oh great you know I
can actually get on the ladder especially in this time
that it's kind of lower I feel like I want
to take advantage of.

Speaker 4 (25:19):
This Hey how old are you if you don't mind
me asking?

Speaker 19 (25:23):
I'm 22 and I know someone who's also 22 now
looking to buy with that scheme and I you know
I read a comment the other day and they were
like oh it's just like the GFC they're going to
give them out to anyone no no no they're going
through the same process the same checks They're not just
giving them out to anyone.

Speaker 2 (25:42):
And so, you know, how it stands currently, Sava, that
trying to get the 20% or I think some banks
allow 10%, is that nigh on impossible or is that
the thinking for a lot of people your age, that
there's no point because it's too difficult?

Speaker 19 (25:59):
I would say absolutely, but I think it's more for those,
you know, the 20% is, you know, there was the
previous caller saying And she was talking about, you know,
living at parents or something, you know, saving up. But
I don't think that's possible for everyone. Sometimes, you know,
people like myself, I would be, you know, a single
first-time buyer. You know, you just need to keep paying
the rent, living your life, saving up, you know, and

(26:21):
getting that deposit. It's not really a possibility for everyone.
So that's 5%. It's still huge. And I think you
would still be, you know, you still have the same responsibility.
You won't just be buying because you just want to buy.

Speaker 4 (26:34):
And so you're confident that when the bank looks at
your finances and your situation with that 5% deposit that
they'd be.

Speaker 3 (26:44):
Good to go with you?

Speaker 19 (26:45):
Yeah, I'm personally pretty confident. And I know the person
that I know, also 22, they're looking to buy now.
They are thinking about the exact same things that everyone
thought about, like what's the bank going to look at?
I need to make sure that I'm in a good
financial position so that when they look at the statements,
they have no doubt.

Speaker 2 (27:02):
Is it still important to be in a house for
your generation, Sava, or do you think more and more
of your generation is looking at the likes of the
share market? You know, there's increasing calculations that you rent
and you're clever on the share market. You can do
pretty well in life. Or is it still, I want
a slice of New Zealand?

Speaker 19 (27:20):
Oh, that's actually a pretty good question. I would say
for many people, I think the share market is now
very enticing. They want to get into it. But for
those who just want to live life, from a lot
of young people, I hear the same thing. I'm like,
you know, what would you do if you came into money,
won the lottery, whatever, or just had enough for a deposit?
And they still will say to me, I still want to.

Speaker 12 (27:40):
Buy a house.

Speaker 4 (27:42):
Yeah, it's a very strong desire to buy a house.
I guess that makes sense because you can get– It's
your foothold in the world, and financial or not, whether
it's the right financial decision, it's your thing. It's solid.
You can do stuff to it, all those kind of dreams.

Speaker 3 (27:59):
That we have. With you, do.

Speaker 4 (28:05):
You look around and think that people of your generation
are materialistic and spend too much on things like the
text machines blowing up saying, 22-year-olds just waste their money
on stupid things. Do you think that's fair looking around
at your friends?

Speaker 19 (28:23):
I mean, I'm going to admit that there are a
lot of young people, they feel like there's no tomorrow,
and then they complain that there's nothing left for them,
which I'm absolutely going to agree with that. But I
do think there's still quite a few who are still saving,
who are still on that old, I guess, traditional life pathway.
They're still saving just as responsibly, so I don't think

(28:45):
it's everyone's And I think even that previous caller, she
admitted it was a generalization.

Speaker 3 (28:51):
Yeah, I mean, it always is a generalization.

Speaker 4 (28:53):
And you're more likely to be slightly less responsible when
you're young than as you get older. And that's always
been the case for all of time. What sort of market,
what part of the country would you be buying into?

Speaker 19 (29:06):
I'm in Auckland. Love the city, so I'd probably be
buying here. Though I know, I'm aware enough to know,
you know, areas that probably won't be possible for me
to buy. So maybe for me it might be a unit,
but I don't know if the bank would get for that.
But just, I guess, further out here.

Speaker 2 (29:23):
Good on you, Sava. Great to chat. Thank you very much.
So what do you say? 0800 80 1080. I like Sava.
He sounded like an incredibly smart 22-year-old. He's thought that
through and pushes back on that generalisation that young people
these days are buying too much Uber Eats and are
reckless and they can't save a deposit. If you're in
the same boat, what do you say to those people?
9292 is the text number.

Speaker 4 (29:45):
So someone's saying is the $ 300, 000 cap for single or multi-buyers,
or is that just for multi-buyers? So that $ 300, 000, that's
a household income ceiling. So $ 300, 000 for the two of yous.

Speaker 1 (29:56):
Yep.

Speaker 2 (29:57):
Simplifies it. Right. 0800 8010 80 is that number to call.
It is 17 to 2. Back in a few moments.

Speaker 1 (30:04):
A fresh take on Talkback. It's Matt Heath and Tyler Adams' afternoons.
Have your say on 0800 80 1080. Newstalk ZB.

Speaker 2 (30:13):
It is 14 to 2. How hard is it to
get a deposit for a house?

Speaker 4 (30:16):
Some people aren't interested in being in the game at all.
The sticker says, I'm quite happy, non-owner, knowing I don't
have rates, water, hot water, cylinder replacements, lawns, gardens, body
corporate fees, roofs, solar panels, et cetera, to fix, and
I'm a senior, gold retiree. No rises two years. There
you go, Rod. Rod's quite happy to not be a homeowner.

Speaker 2 (30:38):
There's a freedom in not owning a house and some
of those things. Thank you very much, Rod. Andrew, your thoughts?

Speaker 5 (30:44):
Yeah, I've got a lot of thoughts on this topic,
and it's one I'm actually.

Speaker 20 (30:47):
Quite passionate about as well. So I bought my home
when I was first home when I was 21 with
my brother, who was 26 at the time. So he
had a lot more time to save than I did,
but I was working since I was 17, and Between us,
after about three years or four years, we still didn't
have enough for a deposit, not by more than 50%.

(31:08):
Our grandparents were in a position to help us. They
had sold their farm, so they had some cash that
they were able to give us. Ten years on from that,
I'm into my kind of first family home, four-bedroom with
my wife.

Speaker 8 (31:21):
It's about $ 1.

Speaker 1 (31:21):
2 million.

Speaker 20 (31:22):
We pay about $ 6, 000 a month in our mortgage. But
After that time, of my entire friend group, I'm still
the only one.

Speaker 9 (31:35):
To be in a property.

Speaker 3 (31:37):
Wow.

Speaker 20 (31:37):
And I think, yeah, it's, I mean, I've got a
good friend who's still trying, teachers, both of them. Each
one gets about $ 700 cash in hand each week. You know,
rent is $ 350.

Speaker 17 (31:50):
Each, and then power, insurance, all the rest of it,
they end.

Speaker 20 (31:59):
Up with about 50 bucks at the end of the week. Um,
and they have been trying to save for about a
little bit longer than after we got out to probably
eight years. Um, and about a year or two ago, they,
they sat down and just said, look, teacher salaries. We never,
we are never going to be able to afford a
home in Auckland. Even if the, the, you know, drop
down to 0% deposit, they can't afford the repayment. Um,

(32:23):
it's even rough for myself and my wife and I
have really good jobs. Um, We're both well above that
300 together. And it still.

Speaker 12 (32:31):
Hurts for us.

Speaker 20 (32:32):
That's six grand a month plus all the rest of.

Speaker 1 (32:37):
It.

Speaker 20 (32:37):
So I think anyone who says that they're not trying
hard enough, after 18 years of trying, you still can't
do it. And so what people do is they say, okay,
I can either spend this time doing that, not going overseas,
not investing in the experiences I want, in the cars
I want, in the boats, I can forego all of

(32:58):
those things, dining out, having drinks, because people really do
sacrifice that.

Speaker 5 (33:02):
They saw their friends doing it on social media.

Speaker 20 (33:05):
And then you say, right, I can either do that
or I can save our house and maybe get it.
And then after that, still don't have enough money.

Speaker 2 (33:13):
Tough position to be in. I mean, you know, that's
what I've been thinking about over this conversation is that
for those saying you just got to save harder, you
still got to have some ability to enjoy little things
in life. And I'm not talking about extravagant spending here.
I'm not talking about Uber Eats every week or going
out every weekend. But you can't live in misery and
have no joy in your life while you're saving for

(33:33):
that deposit.

Speaker 4 (33:34):
Especially while you're young, because when you're young, you want to.

Speaker 3 (33:38):
You want to rack it up a little bit.

Speaker 4 (33:39):
But do your teacher friends ever think about moving to
another town, moving out of Auckland? Because things get a
lot easier for teachers outside of Auckland.

Speaker 20 (33:48):
Yeah, it does, but also it's that kind of thing
of do you move away from your family? And again,
it's that losing.

Speaker 5 (33:55):
That quality of life.

Speaker 20 (33:56):
Equally, it's hard to find positions in towns they'd want
to be. What they have considered, surprisingly, is Australia. And
they might still end up doing that. But I think
I think the mathematics has critically changed. I mean, people say, oh,
young people are lazy now. But you look at New
Zealand on the global stage, we're still performing amazingly compared
to our size, right? We have world-class athletes in almost

(34:19):
every regard, world-class businesses. We still produce amazing people. So
I think the generalisation that this generation is softer is
definitely not fair. When my grandparents helped us in our
first home, and she was amazed. at how the mathematics
had changed. So when they bought their property, it was
roughly four times their income together. When we bought Alpha's home,

(34:44):
it was 11 times our income. And the cost of
living has gone from roughly 40% to 50% of your
take-home pay when she was buying to roughly 80% to 90%
for today, which is pretty wild.

Speaker 5 (35:01):
Hmm.

Speaker 2 (35:02):
Andrew, thank you very much for your call. Really appreciate it.
So is he right, you know, the generalisations of young
people trying to get into a house and they're spending
too much on extravagancies? I mean, is he right that,
you know, as you mentioned, Matt, when you're young, you've
got to live it up a little bit. You can't
live your life in misery trying to save for 15
years and then you get to 40 and you finally
maybe get into a house and think, well, my youth

(35:24):
is gone and I couldn't afford to do anything.

Speaker 4 (35:27):
Well, people have been complaining about young people being undisciplined
and lazy since... since we've got records. The Romans, there's
a screase of writings from Roman times complaining about their indisciplined,
soft young people. It's just as you get older, millennials
will soon be doing it and Gen Z will be

(35:49):
doing it and Gen Alpha, they'll all go through as
they get older, they'll start thinking that the younger generation
is soft and parties too much.

Speaker 2 (35:56):
Yeah, it's so true. 9292 is that text number. Keep
those coming through. It is nine minutes to two. Back
in a few moments.

Speaker 1 (36:03):
Matt Heath, Tyler Adams, taking your calls on 0800 80 1080.
It's Matt Heath and Tyler Adams Afternoons. Newstalk ZB.

Speaker 2 (36:12):
Newstalk ZB, it is 6 to 2, so National has
promised to open up the eligibility for the 5% deposit.
Will this make a difference to you? Ross, your thoughts?

Speaker 21 (36:23):
Yeah, we bought a house six months ago on low equity,
which means you pay a 5% deposit. We locked it
in for six months to renovate the house, and then
we pushed the equity up to 20%, and as a result,
we're not paying the low equity fees, and so that's
how we got into the market.

Speaker 2 (36:46):
Right, and without that, you never would have stood a chance, Ross.

Speaker 22 (36:50):
Exactly.

Speaker 21 (36:50):
So, yeah, I'm a little bit baffled why this is
now being presented as.
Something new, I think it's already in the market, BNZ, ANZ,
all those guys are already doing it. So I suppose
the income bracket.

Speaker 4 (37:09):
Yeah, so National's proposing moving the income bracket to a
combined $ 300, 000 household income limit, which is up from $ 150, 000.

Speaker 3 (37:16):
Yeah, that's a bit steep, eh?

Speaker 2 (37:24):
Well, yeah, I mean, there's an argument there, Ross, just
to remove the cap entirely because, you know, you were
lucky that you managed to get into the scheme. But,
you know, as you can imagine, $ 150, 000 for a couple
and then trying to save a deposit, that would be
really tough going, wouldn't it?

Speaker 1 (37:39):
Yeah, yeah.

Speaker 21 (37:40):
Look, I do think that it's the deposit obviously a
massive barrier and with the 5% and essentially stimulating the economy,
I think it's definitely needed. So, yeah, I think that's
a good thing.

Speaker 2 (38:00):
And you don't feel pressure on paying that back at
the 5% deposit? Do you feel that stress or you're
pretty comfortable?

Speaker 21 (38:08):
Well, as I say, we deliberately did a 5% deposit
to renovate the house, push up the equity. And subsequently,
the equity penalty is now gone because we've gone to 20% equity.

Speaker 3 (38:28):
And are you handy? Did you do that work yourself, Ross?

Speaker 21 (38:34):
Some of it, but you have to get a licensed
builder and you have to get a licensed plumber and electrician, etc.
But a little bit of project management, you don't need.
A project manager to do all that for you. So
you can actually do it well, but not too expensive.

Speaker 2 (38:54):
Good on you, Ross. Thank you very much. So we're
going to carry this on for a bit. 0800 80 1080.
Are you like Ross? Have you taken advantage of this
scheme and are you pretty handy? It is news time.

Speaker 1 (39:04):
The big stories, the big issues, the big trends and
everything in between. Matt Heath and Tyler Adams Afternoons. Newstalk ZV.

Speaker 2 (39:14):
A very good afternoon to you. Welcome back into the show.
Great to have your company, Matt Heath, broadcasting live from
the fantastic Dunedin ahead of your half marathon, Matt.

Speaker 3 (39:27):
Yes, that's right, Tyler.

Speaker 4 (39:29):
Next weekend, hey, there's been a bit of a, I
need to tell you something, a little something, something.

Speaker 1 (39:34):
Okay.

Speaker 4 (39:34):
Because you know how I was getting together a team
to run the Emerson's Dunedin Half Marathon with me, and
the team was called Beat Heath?

Speaker 1 (39:40):
Yes.

Speaker 4 (39:41):
There's been some clerical error, and the Beat Heath team
was full of people, and now it's just somehow been deleted.

Speaker 1 (39:47):
Oh, no.

Speaker 5 (39:48):
Oh, no.

Speaker 3 (39:49):
So if you joined.

Speaker 4 (39:51):
The Beat Heath team, because if you're part of the
Beat Heath team for the Emerson's Need and Half Marathon–
There was an opportunity for you to win the Emerson's
prize pack, which included taproom voucher with $ 200, Bourne Improved t-shirt,
hoodie and magnet, a bunch of other stuff, right? If
you beat my time.

Speaker 2 (40:06):
Great prize, yeah.

Speaker 4 (40:07):
And also by using the code BEATHEATH, all caps, no gaps,
you could get 25% off the enrollment fee, right?

Speaker 1 (40:14):
Yep.

Speaker 4 (40:15):
But that's disappeared somehow. Just some kind of gremlin in
the network, some kind of AI thing potentially.

Speaker 16 (40:22):
Right.

Speaker 4 (40:22):
It's deleted the whole team. So if you were part
of that team, then email info at dunedinmarathon.co.nz. That's info
at dunedinmarathon.co.nz. And they'll shuffle you around and get that going.
But if you're yet to sign up to the Emerson's
Dunedin Half Marathon, then use the code BEATHEATH, all caps,

(40:43):
no gaps, and you'll get 25% off. and then once
the Beat Heath team gets reinstated. I'm disappointed because I
was flicking through all the members, and they looked like
a good crew.

Speaker 2 (40:53):
It sounded like it. There was a solid amount of people.

Speaker 3 (40:57):
But it's gone now.

Speaker 4 (40:58):
But, yeah, so if you sign up, if you want
to run the half marathon, then sign up. You'll get 25%
off with Beat Heath, and then you can transfer into
the team when it comes back if you should.

Speaker 3 (41:09):
Like, okay?

Speaker 2 (41:10):
Yeah, very good.

Speaker 3 (41:11):
But it's a real.

Speaker 4 (41:12):
Setback for the Beat Heath team before we even hit the–
before the starter's gun even goes off.

Speaker 2 (41:17):
There's been a few setbacks. We've been erased. With your
own colleagues, and now the team is gone. This is
a tough start to it. Just give that email one
more time.

Speaker 4 (41:24):
I mean, to be fair, the team wasn't doing anything
except for trying to beat me, who we.

Speaker 3 (41:29):
Might not have even met beforehand.

Speaker 4 (41:30):
But I was going to send out an email to
everyone saying, hey, let's meet beforehand and afterwards, but, you know,
it doesn't matter.

Speaker 2 (41:35):
Yeah, they'll come back.

Speaker 3 (41:36):
We'll sort it out. We'll sort it out. It'll be okay.

Speaker 2 (41:37):
Yeah, and just that email.

Speaker 4 (41:38):
Hey, you know, That's info at dunedinmarathon.co.nz.

Speaker 5 (41:43):
Beautiful.

Speaker 4 (41:43):
If you're in that team and you've noticed it's been erased.

Speaker 2 (41:45):
Yeah, very good. Now, back to our discussion we've been
having about the 5% deposit. So National has promised to
expand that out to those who earn $ 300, 000 or less
across the board, because at the moment it stands at
$ 95, 000 for an individual or $ 150, 000 for a couple or
a single person with children. So to simplify it, they

(42:08):
say $ 300, 000 whether you're single, a couple or multi-people. And
will that make a big difference for you if you're
looking for a house at the moment and you can't
save that deposit?

Speaker 4 (42:18):
Now, a lot of people were texting through and ringing
through and saying that they believe that young people are
not disciplined enough to save the deposit, and they don't
have a lot of sympathy for them not being able
to get the 20% deposit together. And, of course, under
this situation, if you're under the $ 300, 000 cap, once National
brings in this policy, then that can be lowered to 5%, right? Yeah.

(42:42):
But heaps and heaps of people complaining about the young.
And I was saying that this has been– been the
case for all of history, that people have been complaining
about the young.

Speaker 3 (42:52):
So here's some examples, right? Okay, great.

Speaker 4 (42:54):
This is Socrates from 300 BC. That's a long time ago.
So that's a while ago, you know, 300 BC. The
children now love luxury. They have bad manners, contempt for authority.
They show disrespect for elders and love chatter in the
place of exercise. So that was Socrates in 300 BC.
Horace in 23 BC said, the young today are vicious, lazy,

(43:16):
and used to luxuries we never had. They are afraid
of hard work and easily offended.

Speaker 3 (43:22):
So that's 23 BC. It sounds similar to 2026, doesn't it?

Speaker 2 (43:25):
This is like letters to the editor today.

Speaker 4 (43:28):
Yeah, and Seneca the Younger in 40 AD wrote, the
young lack discipline and respect. Their luxurious lives have made
them weak. So it's been a complaint about young people
for as long as it's been older.

Speaker 3 (43:46):
And younger people.

Speaker 2 (43:46):
Yep, and that's going to continue, I'm sure. But if
you are a young person, how do you feel about
the generation above you saying that you are too lazy
or too greedy to save that deposit? And if you
are looking for a first home at the moment, would
this make you seriously consider looking at that 5% margin?
deposit scheme once it's expanded out. 0800 80 1080 is
the number to call. 9292 is the text. A couple

(44:07):
of texts coming through here. G'day, guys. Staying at home helps.
It's the bank of ma and pa. Support rather than
the cash. Not everyone has that ability. In this one, g'day, guys.
I cannot understand why there's a cap at all. You
can either afford a mortgage or you can't. And if
the banks themselves are lending on 5%, it's up to
you to have 5% before you approach them. That's from Simon.

Speaker 3 (44:31):
This is an interesting.

Speaker 4 (44:32):
you know, idea. Because why does it have to be
first home buyers? Why are we so excited about first
home buyers? Why can't it be everyone? So this text
says first home buyers would be a person who has
never owned a home, wouldn't it? It's aimed at younger
working couples. Well, not necessarily. You know, these days people
can be buying their first home quite late in life.
But why is it so important for first homes? What

(44:54):
about if you've owned a home and then, you know,
something's happened and then you've had to restart or.

Speaker 2 (45:01):
You've gone through a tough divorce. She's taken you for
pretty much everything you've got or he's taken you for
everything you've got.

Speaker 1 (45:07):
Yeah.

Speaker 2 (45:08):
And you want to get back on the property ladder.

Speaker 4 (45:10):
So that'd be interesting. What actually defines a first home?
Being completely wiped out the first time you buy your
house on your own after a marriage breakup. Do you
suddenly count as a first home buyer then?

Speaker 2 (45:22):
Yeah.

Speaker 4 (45:23):
That would seem unfair if you didn't, right? So if
you've bought a home in the past with someone in
a relationship, then that relationship ends and you come out
the other end and not a good position, then surely
you should be able to reset the clock and be
a first-time buyer again.

Speaker 2 (45:40):
I'd agree. I mean, particularly when their goal is, they
said this during the stand-up, is their goal is to
get ownership rates back to the historical peak of 74%
of households were homeowners. Now it's down to 66%. I mean, yes,
if you target the first-time buyers, that will help. But
as you say, I mean, extend it out to divorcees,
Do we need.

Speaker 3 (45:59):
To own homes?

Speaker 4 (45:59):
Do we need to own our own homes? Is that
still important? Is that the best way to make money now?
Is that the best way to spend the money you
earn paying a mortgage off with 95%? You've only put
down a 5% deposit, so you're earning 95% of the
home and paying that off over your entire working career
with all the expenses, all the rates, all the maintenance,

(46:23):
all the hassle, all the interest? Is that a best
way to spend your money still? Or if you put,
you know, if you rent it and put all that
money onto the stock exchange or invest in a business,
is that a better way to go?

Speaker 1 (46:36):
Yeah.

Speaker 4 (46:36):
Because things have changed a little bit. It doesn't seem
that we can guarantee this. I mean, it's possible that
we'll never get back to the levels of capital gain
that we once had.

Speaker 2 (46:46):
Tell us your thoughts. 0800 80 10 80 is that
number to call. 9292 is the text. It is 14
past two. Back with more of your call shortly.

Speaker 1 (46:54):
Your home of afternoon talk. Matt Heath and Tyler Adams Afternoons.
Call 0800 80 1080. Newstalk ZB.

Speaker 2 (47:04):
Very good afternoon to you. It's 17 past two, so
we're talking about Nationals promise to expand the eligibility to
take advantage of their 5% deposit for your first time.
And this text says, G'day guys, can you explain briefly
what this cap actually is and how it's supposed to
work versus before? Yeah, so absolutely.

Speaker 1 (47:20):
Can you do that?

Speaker 3 (47:21):
Can you do that, Tyler? Are you capable of that?

Speaker 2 (47:23):
I think so. I feel confident, so let's give it
a go. Here it is.

Speaker 1 (47:25):
You ready?

Speaker 3 (47:26):
You do that.

Speaker 2 (47:27):
Right, so currently as it stands there, Textra, if you
earn over $ 95, 000 as an individual or you earn over
$ 150, 000 as a couple, you cannot tap into this particular scheme.
And the scheme is offering a 5% deposit to get
you onto the property ladder. So you only need 5%
of the money for a mortgage and the government will
step up the rest of it and do that deal

(47:48):
with the bank to get you on the property ladder.
National was saying that it's far too low, so they've
now extended that out to $ 300, 000. So if you earn
as an individual under $ 300, 000, then you can tap into
the scheme. If as a couple you earn under $ 300, 000,
you can tap into the scheme. So that is the
big change there. That was pretty good.

Speaker 3 (48:08):
Yeah, that was excellent. Well done.

Speaker 17 (48:09):
Thank you.

Speaker 4 (48:11):
I think even I understand that now. So well done.
You know, last week we were accused of being in
the pocket of BlackRock.

Speaker 2 (48:19):
Yes, vividly.

Speaker 4 (48:21):
Yeah, and I can categorically say that I'm not in
the pocket of BlackRock, as far as I know. This
is another accusation that we're in some other, the pocket
of someone else. Are you in the pocket of the banks?
There's this texter. If so, you should declare your interests.
Are you in the pocket of the bank? I think
my bank gets quite a lot in my pocket, but

(48:42):
I don't know if I'm in the pocket of the bank.

Speaker 2 (48:43):
It's completely the reverse for me. I'm paying the bank
a lot of money. If they were paying me money,
that would be nice.

Speaker 3 (48:48):
Because it sounds like you're selling a product, says this texter.

Speaker 4 (48:51):
A 5% deposit means 95% debt and very little initial equity,
massive exposure if house prices fall. And paying off over
a long time, as you say, young people are able
to do, only benefits the banks.

Speaker 2 (49:06):
I think there's a fair argument there that if you
take on a bigger mortgage and you've only got a
smaller deposit, then you're locked in arguably for a longer
time and you've got to be smarter to try and
pay that off. That's a fair argument, that if you're
okay because owning a home means so much to you,
to have your little slice of paradise and then you're
locked in for, let's say, 45 years with the bank,

(49:27):
then so be it.

Speaker 20 (49:28):
Sure.

Speaker 2 (49:28):
Look at that and think, I don't want to be
paying it back for 45 years, then maybe it's not
for you. Share market might be better. What do you
say though? 9292 is the text number. Nick, you're 35
and you just bought your first house.

Speaker 5 (49:41):
Yeah, g'day guys. How you going?

Speaker 2 (49:43):
Very good, mate. Congratulations on the purchase.

Speaker 5 (49:45):
Yeah, cheers for that. So yeah, I look at it
like this. I mean, I lived it up in my 20s.
I had a good time. And I jumped on the
KiwiSaver quite early. I jumped on the KiwiSaver when it
first came out at about 15 or 16. Now, for
years and years and years, I never looked at it.
And I only paid my 3%, right? So for years

(50:07):
and years and years. And then we got, me and
my partner have been together for a while, and we
were renting and stuff like that. And Basically, we didn't
have the savings or anything like that. We'd been renting.
We were just living our lives, enjoying our lives and
stuff like that. And my partner said to me one
day at the start of the year, let's go see
what a mortgage broker has to say. So we went
along to the mortgage broker and we had no savings.

(50:28):
We had a little bit of debt. My partner had
just only been in a business for about 10 months.
She started her own business, which was going quite well.
and the mortgage broker turned around to us and said,
you've got no problem. It's $ 50, 000 each we had, $ 100, 000,
no savings. So just in that KiwiSaver. So my point is,
I think the young generation should enjoy it a little

(50:52):
bit more.

Speaker 19 (50:53):
If you want to get a house.

Speaker 5 (50:54):
It is possible. I never thought it would be possible.
I honestly didn't. But it is possible, and I think
what needs to happen is, I think there needs to
be on the Kiwi Sabre, I think if the young
people start their jobs in their 20s and work their
way up to their 30s to start making, you know,
decent wages, they've got a good job, you know, a
good trade or a university qualification behind them, and they

(51:16):
build it up, they build it up, they keep going,
you know, by the time that they hit 30, 35,
if they're in a relationship, they can do it. You know,
I think the young generation, you know, if they want
to get in early, that's great, good on them, but
The way that we did it, I'm still a bit
shocked that we were able to do it. And we
borrowed $ 700, 000. And we didn't buy in the middle of Auckland.

(51:40):
We live in Auckland. We live in rural South Auckland.
We picked up a quarter of an acre for $ 700, 000.
Old house, but needs a little bit of love, but
that's not the end of the world. And, you know,
at the moment, we're in two good jobs and we're
still enjoying our lives and being able to pay the
mortgage off and do everything else we want to do.
We're not going on holidays, but we still enjoy. We
go to the Warriors every weekend. We still have a

(52:02):
good time while paying the mortgage and doing everything else.
And that's where I just think the young people just
need to take a breath and go, right, it can
be achievable. And I think if they use their KiwiSaver
and invest the money in there properly, you can do it.

Speaker 4 (52:16):
So why do you think it was important to buy
a house for you and your partner? So you hadn't
really thought about it, then you looked at it. What
was it that made you think we need to have
a house? This is where we need to spend our
money on paying mortgages and rates and upkeep and all
the kind of things that a house costs.

Speaker 5 (52:34):
I think, Matt, it sets up the future. It's more
just the fact that we've got an asset now, you know,
and we've got that asset there and it's there. You know,
we had a 15% deposit. You know, we were lucky
to have that. We're targeting to get to that 20% now.
But I think it's really important that, you know, you

(52:54):
have something there to rely on. When you get to
retirement there, you've got something there, you know, and then
maybe when we get to retirement one day, we might
want to downsize or we might be able to sell
a house in the future and make a little bit
of money and do it that way. I just think
that the young people, I think that, You know, I
don't think they're slack. I don't think they're useless. I
don't think that. I think it's just more, you know,

(53:16):
you either want to do it or you don't want
to do it. And young people, I think if you
invest more money into your KiwiSaver and let the KiwiSaver
work for you, don't stress yourselves out by having to
put cash and cash and cash in the bank. Let
the KiwiSaver do its job. And that's what its job
is to do. It's there for retirement, yes. But it's
also there to help you get into your first home.

(53:38):
And that's where I think people are just getting it
a little bit wrong, you know. It's there to help you.
And I think if you invest more, and, you know,
I think the government should look at the mandatory making
it more, making it more investment into your KiwiSafe because
that's what's going to help you, man. That's what's going
to help you. And it helped us, you know. We
didn't have cash. We had no cash when we turned
up to the mortgage broker. And the mortgage broker turned

(54:00):
around and said to us, you're actually in a great position,
you know.

Speaker 4 (54:03):
Did you buy in the area that you were sort
of from, Nick, or did you move to rural South Auckland?
Did you move there because it was cheaper, or were
you from generally in that area? Was that kind of
the place you wanted to live?

Speaker 5 (54:16):
Well, yeah, kind of, yeah. That's kind of the place
I wanted to live, you know. I don't need to
be in the hustle and bustle of the city. And
the thing is as well is that I think people,
you know, the hustle and bustle of the city, the
buying the properties in the middle of the city and
stuff like that, there's a lot of cheap options on
the outside skirts of the city.

Speaker 4 (54:33):
Well, yeah, if you're running a quarter acre, Nick, that's
the cliche.

Speaker 3 (54:38):
That's the dream.

Speaker 4 (54:38):
That's a New Zealand quarter acre dream, and you're doing
it in rural South Auckland, so good on you.

Speaker 5 (54:42):
Yep.

Speaker 1 (54:43):
Yep.

Speaker 5 (54:43):
No, no, it's good.

Speaker 11 (54:45):
Yeah.

Speaker 2 (54:45):
Appreciate it, Nick. Thank you very much. You're like Nick.
If you managed to buy the quarter-acre dream, even if
you had to look a little bit outside where you
wanted to buy, and buying at 35, is that just
the reality now? That, as he said, you've got your
KiwiSaver there, you need to let it build up a
little bit, and that's just the reality of today. Traditionally,
it might have been in your mid-20s.

Speaker 4 (55:02):
Sounded like Nick was sort of going hard, having a
good time in his 20s, and just in the background,
his KiwiSaver was doing the work for him.

Speaker 22 (55:09):
Yeah.

Speaker 3 (55:09):
And end up getting the house. Seems very happy.

Speaker 6 (55:12):
Yeah.

Speaker 2 (55:12):
So what do you say? 0800 80 10 80 is
that number. It's 25 past two.

Speaker 1 (55:16):
Matt Heath and Tyler Adams Afternoons. Call 0800 80 1080
on Newstalk ZB.

Speaker 2 (55:35):
27 past two. Plenty of text coming through on 9292.
This one says, G'day, guys. The main reason to buy
a house is for the future. You need somewhere to
live when you retire. You don't want to be renting
by the time that you've got no money apart from
the pension coming in.

Speaker 4 (55:51):
The six says, Hey, guys, where does one find access
to this 5% scheme?

Speaker 3 (55:54):
Well, you just go to your bank and, you know, the...
Talk to them about it.

Speaker 4 (56:00):
And it's really making them allowed to do it, right?

Speaker 2 (56:05):
Yeah, correct.

Speaker 3 (56:06):
Because the government's backing it up, right? Yeah.

Speaker 4 (56:09):
This text says, I just recently used– did you just
read this out? I just recently used my KiwiSaver to
purchase a share in a friend's home. Without that, I
would have had no chance. Lots of reasons, but still
same result. Now at 48, bad childhood, being an absolute
idiot as a teen, young adult. understatement, no money since,
didn't care about tomorrow, how bloody wrong I was. Thank

(56:32):
F for KiwiSaver.

Speaker 2 (56:33):
Yeah, that's interesting. I didn't realise you could do that
to take it out to buy a share in a property,
but it makes sense and glad that they, if they
have changed those rules, they have.

Speaker 4 (56:41):
Hey guys, I think that it would be cheaper to
rent than own when all of the costs are taken
into account, including opportunity costs. This also gives you the
freedom to travel for work and you're usually getting a
well-equipped newer home. However, there are still good reasons to own,
especially if you have a family and value the stability
that ownership gives. Kindest regards, Dave. Thanks for your text, Dave.
This text says, mate, Socrates doesn't know about New Zealand

(57:05):
property or I bring him up. I was just bringing
up Socrates because I was saying 300 BC. That's how
long people have been saying that the younger people are lazy.
Because Socrates in 300 BC said, The young now love luxury,
have bad manners, contempt for authority. They show disrespect for
elders and love chatter in the place of exercise.

Speaker 2 (57:28):
That's almost verbatim to what you see today.

Speaker 4 (57:29):
I'm just saying all the people that are texting in
and saying that young people are lazy and disrespectful and
all those kind of things and have bad manners and
love luxury. I'm just saying people have been saying that
since 300 BC.

Speaker 2 (57:39):
Yeah, it's a great point. All right, keep those seats
coming through on 9292. We've got the headlines coming up.
After the headlines, we'll have a chat with Ben, who
wants to talk about buying after a divorce. And speaking
of Socrates, Bill's on the line as well. He reckons
the youth are lazy. So we'll get his thoughts on
that a little bit later on.

Speaker 3 (57:55):
He's in Socrates camp.

Speaker 2 (57:57):
Maybe, maybe. It's bang on, half past two. Headlines with
Raylene coming up.

Speaker 1 (58:02):
Newstalk ZB headlines.

Speaker 11 (58:04):
With Your Ride, New Zealand's number one taxi app, download
Your Ride today. Todd Energy is the first recipient of
the Government Gas Security Fund for two loans totalling $ 23. 5
million for Taranaki Well Projects. Business NZ claims underinvestment in
medicines could be costing us billions in economic growth by

(58:27):
reducing load on the health system, with healthier people working
more and having less absences. Auckland police have caught three
teens accused of spending Sunday afternoon stealing other children's bikes,
seizing five bikes and referring the 15-year-olds to youth aid.
Police still haven't identified a man's body discovered in Whangarei's

(58:49):
Hatia River on Saturday, despite a post-mortem. A three-day rahui
expires tomorrow. State Highway 6 is back open between Murchison
and Kawateri Junction after heavy rain, but State Highway 65
is still closed by a slip between O'Sullivan's and Springs Junction.
The Ruhine Rangers are under a heavy rain watch until

(59:11):
nine tonight. Why fans shouldn't lose hope in Dave Rennie's
All Blacks. You can see Liam Napier's full analysis at nzherald.co.nz.
Back to Matt Heath and Tyler Adams.

Speaker 2 (59:22):
Thank you very much, Raylene.

Speaker 19 (59:23):
26-3.

Speaker 2 (59:26):
Plenty of text coming through on 9292, and we are
talking about the National Party promising to increase first-time buyers'
access to low-deposit mortgages if they are elected. 9292 is
that number.

Speaker 4 (59:38):
It's a bit of pushback on this whole Socrates thing.
I agree with the other text that Socrates is not
a good example. He was a stinking bum who lived
on the street. He got executed for pesting people.

Speaker 2 (59:49):
Wow, is that true?

Speaker 4 (59:50):
Yeah, I think people are missing my point on Socrates.
But no, that's not true. Socrates owned a property in Athens.
He had a family, lived in a house. He wasn't homeless,
but he wasn't massively interested in making money. He wasn't
a property speculator or anything. And he did spend most
of his time out in public philosophizing.

Speaker 9 (01:00:09):
Right.

Speaker 4 (01:00:10):
And he got executed, well, he did actually get executed
for pesting people. He was accused of corrupting the youth.
And then he was forced to drink hemlock. But the
jury got it wrong. The jury got it absolutely wrong.

Speaker 2 (01:00:25):
Did he smell?

Speaker 3 (01:00:28):
I think he probably did stink a little bit.

Speaker 4 (01:00:29):
I think everyone back there, 300 BC, I think everyone
stunk quite bad. Socrates might have been even stinkier than most.

Speaker 2 (01:00:38):
We've all got our flaws.

Speaker 5 (01:00:39):
Yeah.

Speaker 2 (01:00:40):
Even Socrates.

Speaker 4 (01:00:41):
But that wasn't really why I was bringing up Socrates.
I was just bringing it up to say that for
the longest time, people have been saying that young people
are lazy and not willing to put in the hard
work to do what previous generations have, which is impossible, right?
And I think it's more that you go through stages
of your life. In your 20s, you're a certain type
of person. In your 30s, you're a certain type of person.

(01:01:01):
In your 40s, a certain type of person. And we
just slowly move those things. That's why millennials are starting
to really rag on Gen Z now because millennials are
hitting 40. It's a lot of fun. They've started scratching back.

Speaker 2 (01:01:14):
Yeah, so true. Ben, how are you this afternoon?

Speaker 5 (01:01:17):
Yeah, good, thanks.

Speaker 2 (01:01:19):
So you want to talk about buying a property after
a divorce?

Speaker 22 (01:01:22):
Yeah, yeah, well, it's just interesting.

Speaker 8 (01:01:25):
I applied for the kind of low deposit scheme when
I was buying mine probably about two years ago after
a divorce, and I got turned down. And from memory,
I just see, I think they said sort of they
had reached this sort of level of lending that they
had available, and there was no more. So it's quite
hard to access, yeah.

Speaker 2 (01:01:45):
Right, so this was the government scheme, the 5% deposit, right?
And they said they tapped out how many people could
take advantage of it.

Speaker 8 (01:01:53):
I believe so. That's kind of how I remember it,
but going back a couple of years. But yeah, I
couldn't actually access it. And in the end, I had
to come up with 20%.

Speaker 2 (01:02:02):
Was it your first home, Ben, that you were buying into?

Speaker 8 (01:02:05):
No, no, it wasn't. I recently had got divorced, took
a huge hit on the peak of the property market.
which kind of wiped out all the profit that I
had made over the previous five or six or seven years.
So it wasn't my first house.

Speaker 4 (01:02:19):
So is there a resetting on that? Because this policy
is for first home buyers. But if you've bought a
home with someone else in the past and then you're
kind of buying again, but in a different situation, do
you suddenly become a first home buyer?

Speaker 19 (01:02:35):
Yeah.

Speaker 8 (01:02:37):
You have to prove that you have a situation similar
to that of a first home buyer.

Speaker 1 (01:02:42):
Right, right.

Speaker 4 (01:02:44):
And you could prove that, but they were tapped out
of cash for you.

Speaker 3 (01:02:49):
They reached their lending cap, they had no more money
to lend, and no help there.

Speaker 4 (01:02:53):
So did you approach a bank first?

Speaker 19 (01:02:54):
Yes.

Speaker 1 (01:03:07):
Yep.

Speaker 8 (01:03:08):
I got a loan immediately from a bank just based
on my income, but I had to obviously come up
with a 20% deposit, which I didn't have at the time.
But yeah, I got a bank over the phone in
a day, a loan from the bank.

Speaker 19 (01:03:21):
Right.

Speaker 2 (01:03:22):
So do you think this should be extended out to
those who went through a similar situation to you, Ben?
That you've been divorced and you've lost a bit of
your wealth there, and then you need a bit of
help to get back into the property market?

Speaker 8 (01:03:34):
Yeah, very much so, particularly if there's kids involved. The
reason I own a house is that I have kids.
I want them to have a home that they can
stick drawing pins in the walls and so on, not
going to get moved on when the landlord sells. So
I think particularly for parents, it should be expanded to
a level where it's pretty easy to access after a divorce,

(01:03:55):
after a relationship split.

Speaker 4 (01:03:58):
How was it for you emotionally starting again? and trying
to rustle up a house when you've had one in
the past, and being in that position of kind of
being back at square one.

Speaker 8 (01:04:10):
Yeah, it wasn't great. It wasn't a great time in
my life, to be fair.

Speaker 3 (01:04:14):
It's a silly question.

Speaker 8 (01:04:17):
I really wanted my own place. I was going to
do whatever it took to make it happen. But who
live in Wellington? Kids are at school in Wellington. So
moving to a more affordable location was an impossible challenge.
thing to do so I just had to make it
work with KiwiSaver I've got a little bit of an
under the table loan from my parents just did what

(01:04:38):
I had to do to make it work.

Speaker 4 (01:04:42):
Did you because it's quite difficult when you've got kids
right because you kind of have to buy a place
close enough if you've got shared custody with the ex
don't you otherwise it's a total nightmare for schools and
getting around and stuff so you're kind of restricted in
where you can buy right Ben Yeah, very much so.

Speaker 8 (01:05:01):
I've got three kids. I have them 50% of the time.
So I needed a four-bedroom house. I actually ended up
buying a flat or a unit rather than a house. Yeah,
so it really pushes you to get into a family-sized house,
but you're on one income rather than the previous two incomes. So, yeah,
pretty hard going.

Speaker 2 (01:05:21):
And you had the income, obviously, Ben, to support it
if you could have got that 5% deposit.

Speaker 21 (01:05:27):
Yeah, it would have been okay.

Speaker 8 (01:05:29):
I mean, weekly payments, I imagine, would have been a
fair bit higher because of such a low deposit, but
I would have been able to.

Speaker 1 (01:05:35):
Do it, I think.

Speaker 17 (01:05:37):
Ben?

Speaker 4 (01:05:37):
How's your situation now, Ben? Everything going all right? The
house going all right? Kids going all right?

Speaker 8 (01:05:42):
The house is brilliant. Kids are great. No complaints.

Speaker 4 (01:05:46):
Oh, bloody good.

Speaker 1 (01:05:47):
Good to hear. Nice, mate.

Speaker 5 (01:05:47):
Yeah, yeah.

Speaker 2 (01:05:48):
Thank you very much for your call. So are you
with Ben? If you've gone through a divorce and you
needed a bit of help to get back on the
property ladder, should this scheme be extended to you and
others as well? Tell us. 180-1080 is that number. 9292
is the text number. Coming up, we will have a
chat with Bill, who reckons the youth are lazy. So
that is coming up next. It is 20 to 3.

Speaker 1 (01:06:08):
The big stories, the big issues, the big trends, and
everything in between. Matt Heath and Tyler Adams Afternoons. News
Talk ZB.

Speaker 2 (01:06:17):
17 to 3.

Speaker 3 (01:06:19):
Some people aren't happy with Socrates.

Speaker 5 (01:06:21):
Again.

Speaker 12 (01:06:22):
Yeah.

Speaker 3 (01:06:22):
What a load of crap with the Socrates crap.

Speaker 4 (01:06:25):
Are you really saying that young people of ancient Greece
were as lazy as the dirt bags we have today?
Our young people live in luxury. Everything is handed to them.
No respect for the laws. They just walk out of
supermarkets with whole carts of food. All they do is
take selfies and complain. What a load of crap. That
does sound a lot like what Socrates was saying back
in 300 BC. He said the children now love luxury.

(01:06:48):
They have bad manners, contempt for authority. They show disrespect
for their elders and love chatter in place of exercise. Socrates,
300 BC, that's exactly what you're saying. So that proves
my point.

Speaker 2 (01:06:59):
You're one and the same.

Speaker 4 (01:07:01):
My point is that people have been saying the same
things about young people for all of time. And you've
just texted in exactly what Socrates was saying or saying.

Speaker 3 (01:07:08):
Anyway, moving on.

Speaker 2 (01:07:10):
Well, let's just have a listen to this.

Speaker 3 (01:07:12):
Should we move on from Socrates? He's been dead for
thousands of years.

Speaker 1 (01:07:15):
He has been.

Speaker 2 (01:07:16):
He's long time dead. Can I just read this one
out from Joe?

Speaker 3 (01:07:18):
Socrates isn't breaking news. His opinions. I should never have
brought him up.

Speaker 12 (01:07:24):
Right.

Speaker 2 (01:07:24):
Just quickly, the last one on this. Joan says, entitlement
of the young. The word and attitude has creeped into
our society, sickening. Again, you know, that's a fresh text
right there. That's 2026. That could have come from Socrates.
If he had a phone today, he might have been
texting him the same thing. But yeah, let's give Socrates
a rest.

Speaker 4 (01:07:42):
Yeah, we'll put him to bed.

Speaker 3 (01:07:44):
He's stinky.

Speaker 4 (01:07:46):
Stinky man.

Speaker 2 (01:07:47):
Bill, you want to talk about the youth.

Speaker 12 (01:07:51):
Yeah, yeah. I'm not sure where these guys think Socrates
got it wrong. You know, it's just a different year,
but same argument.

Speaker 3 (01:08:01):
Were you lazy when you were young, Bill?

Speaker 12 (01:08:04):
Hellishly lazy. Long hair, smoked some funny smelling stuff. That
sort of stuff. Didn't like working much. And then I
woke up one day and then grew up. And that's
probably what tends to happen. You grow up, you know.

Speaker 3 (01:08:19):
Yes, you do.

Speaker 12 (01:08:20):
I've had a lot of young people work for me,
you know, 20s and 30s. If they're males, I only
hire them now if they are boy racers because they
tend to value a dollar and they need a dollar
to keep the car looking good. If they're not a
boy racer, I'm not that interested.

Speaker 2 (01:08:40):
It's a bold strategy.

Speaker 3 (01:08:41):
That's good to hear something positive about boy racers.

Speaker 12 (01:08:43):
Hey, it works. Yeah, look, one of them came around
my house the other day, and I went into work
the next day, and he was sitting there talking to
all the other guys, and he had told them how
nice my house was, you see? And he said, I
really want a house like yours.

Speaker 1 (01:08:59):
I said, well, get one.

Speaker 12 (01:08:59):
He said, how do I do that? I said, what's
the car you got? How much money you got? He said, oh,
about $ 60, 000 in my boy racer car. I said, you
got any other? How many cars? much parts? Oh, probably
another $ 20, 000 of parts. I said, you see one of
those in my garage? Do you see the latest iPhone
in my hand? I bet you got an iPad. I said,

(01:09:20):
you guys don't want to give anything up. You just,
you know, you seem to think that bad luck you know,
you should be able to share your bad luck. But,
you know, get off your ass. Now, that guy, that
guy that was in his 30s, he and his wife
done really well, awesome, awesome sort of human being, that guy.

(01:09:40):
He knew what he wanted, and he went out and
got it. And one day, he won't be paying compounded interest.
He'll be collecting it, right? So you are either paying
compounding interest or you're collecting compounding interest. One or the other.
And even if you're renting.

Speaker 5 (01:09:58):
A property, these guys that are saying, oh, you know.

Speaker 12 (01:10:02):
I can rent a property. I don't have rates. I
don't have a mortgage. You're paying it. Don't worry. Every
property has got a mortgage on it. And if it
hasn't got a mortgage, whoever owns it, he wants his flesh.
He wants his blood out of it. Or else he
could take the money out of that property and put
it in the bank and get interest. So you're paying
the rates all right. You're paying the mortgage. It's just

(01:10:23):
that if you don't have a property, you will always
be paying the rates and the mortgage. You know what
I mean?

Speaker 3 (01:10:29):
That's a good point.

Speaker 4 (01:10:30):
Now, Bill, what age do you reckon you sorted yourself out?
You woke up from your long hair and your smoking
smelly stuff. What age do you reckon that was?

Speaker 12 (01:10:38):
I was 29.

Speaker 1 (01:10:41):
29.

Speaker 4 (01:10:43):
I had nothing. You didn't want to go into your
30s with nothing and one day you just thought of
getting on with it or was it a gradual process
of becoming more responsible?

Speaker 12 (01:10:55):
Like a lot of us, mate, I met a chick.

Speaker 4 (01:10:57):
She made you a better man.

Speaker 12 (01:11:01):
Well, it was either that or she was down the road.

Speaker 1 (01:11:04):
Oh, she was down the road. Yeah.

Speaker 12 (01:11:07):
But, you know, you had a guy on before, and
this is a good example of these people, these youngsters.
He was kindly complaining he makes over $ 300, 000 collectively with
his wife, and he pays.

Speaker 5 (01:11:21):
$ 6, 000 a month.

Speaker 1 (01:11:22):
In mortgage, right? Yep.

Speaker 12 (01:11:24):
Now, just roughly, he said over $ 300, 000. If it was $ 300, 000,
they are taking home $ 200, 000 a year. Now, $ 6, 000 a month,
In my mind, $ 72, 000 a year. What are they doing
with the other $ 120, 000? I'll tell you what he's doing.
The iPhone, the nice car, the trips, and then bleating.

Speaker 5 (01:11:49):
Because he hasn't got enough.

Speaker 12 (01:11:50):
Money, he's still got a $ 6, 000 a month mortgage bill.

Speaker 2 (01:11:53):
Well, I think that fellow, he was pretty happy with
his lot. You know, he had a nice house and
he was happy to pay that $ 6, 000. But surely, Bill,
you know, the youth of today should be allowed to
have long hair and smoke, you know, some funny-smelling cigarettes
as well like you did?

Speaker 3 (01:12:05):
Do you think you have to have.

Speaker 5 (01:12:06):
That period in your life?

Speaker 12 (01:12:08):
Yeah, go out and do that. Go and have fun,
but the piper is going to be calling one day.
As I said, the golden rule in finance, you're paying
compounding interest or you're getting it.

Speaker 4 (01:12:21):
Smoke the pipe and eventually the piper will turn up
and Stop you smoking the pipe.

Speaker 3 (01:12:27):
Is that what you're saying, Bill?

Speaker 1 (01:12:28):
That's it.

Speaker 12 (01:12:28):
He'll come knocking at the door.

Speaker 22 (01:12:30):
All right.

Speaker 2 (01:12:31):
Thank you very much, Bill. Socrates would be proud of that,
Matt Heath. That was very philosophical.

Speaker 1 (01:12:36):
Right.

Speaker 2 (01:12:36):
Thank you very much for your call, Bill. Keep those
coming through 0800 80 1080. After the break, we'll have
a chat with Raj, who came here in 1996 with
no money, but managed to get into his first home.
So we'll ask him how next. It is 11 to 3.

Speaker 1 (01:12:52):
The issues that affect you and a bit of fun
along the way. Matt Heath and Tyler Adams Afternoons. Newstalk ZB.

Speaker 2 (01:13:00):
Newstalk ZB. It is 8 to 3, and we're talking
about National promising to expand the eligibility of taking advantage
of the Government 5% deposit to get onto the property ladder.
0800 80 1080 is the number to call and 9292
if you want to send a text. Let's go to Raj. Raj, g'day, mate.

Speaker 1 (01:13:18):
Hi.

Speaker 3 (01:13:19):
Hi, Tyler.

Speaker 17 (01:13:20):
Hi.

Speaker 22 (01:13:21):
I thought it is better to share a few encouraging
words for the young crowd.

Speaker 7 (01:13:26):
Please.

Speaker 5 (01:13:27):
Hello.

Speaker 1 (01:13:29):
And you hear me well?

Speaker 2 (01:13:31):
Very well, Raj. You go for it, my friend.

Speaker 19 (01:13:34):
All right.

Speaker 22 (01:13:34):
And I arrived in 1996 and had no money in pocket.
Actually had about $ 15, 000, but we spent for living. And
at that time, wins were not very cooperative. But it was...
better for me because they insulted me. So I stepped out.
I never went back there. So, uh, then, uh, I, and, uh,

(01:14:01):
my wife and I, we worked very hard. We bought
our first property in 1999. And we had, uh, the road,
the property price was 163. had to work very hard
to get the 16,000 deposit. And no kiwi saver, no

(01:14:25):
whatsaver at that time, but that's all good. And then
I was 35 years old, I think. Then I retired
at 53. I live a comfortable life, and I don't
know any problem. I have two kids. They both are doctors.

(01:14:48):
And all what made me here is the attitude. I
never relied on the government or anyone. And me, my
wife and I worked very hard. But I do not
want everyone to do the same because we missed out
a lot in life. But if you can do something

(01:15:11):
to enjoy, not properly, somewhere you have to compensate something.
Then I was told at that time, oh, you can't
pay the mortgage because my salary was $ 450, take-home money,
and I had two kids and wife, and it was

(01:15:35):
a sizable burden. But we managed our economy, our house economy,
financials very well, and we ended up a very very
comfortable life and we both are retired now and we
live very comfortable life all what I am wanting to
say hey guys just it is your attitude if you

(01:15:59):
want to do you can do and you are young
and bright and strong in this country so supportive so
much I am so glad to this everything And so
just go ahead and do it. And you don't need
to rely on anyone. But, of course, there are matters
you have to consider for your personal.

Speaker 1 (01:16:22):
Yeah.

Speaker 2 (01:16:23):
Good on you, Raj. What a great phone call. So
Raj's advice is don't rely on anyone other than yourself,
your hands, and your hard work worked for Raj. But sometimes,
you know, you need a bit of a helping hand
to get the most out of life, and maybe this
policy is one of those.

Speaker 3 (01:16:35):
Well, this text agrees. This is good.

Speaker 4 (01:16:37):
If you're earning $ 300, 000, you should be able to buy
a house with a $ 5, 000 deposit if you can pay
the mortgage. Stupid that you can't. National Labour want to
do it, yet people still complain about it. Shut up
and enjoy it.

Speaker 3 (01:16:48):
It's a good idea.

Speaker 4 (01:16:50):
Later, says this text.

Speaker 3 (01:16:52):
Big supporter.

Speaker 2 (01:16:53):
That summed it up pretty well.

Speaker 4 (01:16:54):
This text says, so what you're trying to say is
that Socrates thought that the youth was lazy and rude,
but got executed for corrupting the youth.

Speaker 3 (01:17:03):
That's ironic, isn't it?

Speaker 2 (01:17:04):
That is ironic. That is very ironic.

Speaker 4 (01:17:06):
So he thought the youth were corrupted, but then he
was executed for corrupting them further.

Speaker 3 (01:17:10):
That's a pretty good example of irony, isn't it?

Speaker 1 (01:17:12):
Yeah, yeah.

Speaker 2 (01:17:13):
Spot on, dear texter. Thank you very much. Thank you
to everyone who text through and gave us a buzz
on that as well. Really enjoyed that conversation. But coming
up after three o'clock, children today are some of the
pickiest eaters in history, they believe. And it might be
because of the parents. We're going to have a chat
about that next.

Speaker 3 (01:17:31):
These bloody kids again.

Speaker 5 (01:17:33):
Lazy. Lazy.

Speaker 2 (01:17:34):
Too greedy.

Speaker 3 (01:17:36):
Too much luxury.

Speaker 2 (01:17:38):
They need to grow up. Right, picky eaters. How do
you deal with picky eaters? Tell us. 0800 80 1080
is the number to call. New sport and weather on
its way. You're listening to Matt Heath and Tyler Adams.

Speaker 1 (01:17:48):

Speaker 2 (01:17:58):
Very, very good afternoon to you. Welcome back into the show.
Great to have your company on this Monday afternoon. So
children today are some of the pickiest eaters in history,
according to researchers. And after some deep diving research into this,
it might be because of their parents, experts say. Have

(01:18:18):
a listen to Alexandra Bay, she's a reporter with the
Economist's Culture Division. Have a listen.

Speaker 18 (01:18:25):
Helen Zoe Veidt, an associate professor at Michigan State University,
argues in her book, Picky, that before the 20th century,
there was no such thing as children's food. youngsters had wild,
boundless appetites. Mark Twain reminisced about the venison and butter
beans of his childhood, and the novelist Edith Wharton was
mad about eating turtles. Kids ate whatever their parents put

(01:18:47):
in front of them and didn't snack between meals. But
by the 20th century, attitudes around mealtimes began to change.
An influential study popularized in the 1940s and 50s had
tracked children eating whole foods in hospitals. It observed that
they made nutritious choices when left to their own devices. Although,
of course, modern junk food was not on offer back then.

(01:19:09):
This research, though, was popularized in parenting books, which convinced
people that children should be entrusted with more autonomy to
choose what and how.

Speaker 2 (01:19:20):
Right, so that is from The Economist and the journalist
Alexandra Bass. But the point there is that before the
20th century, children ate what was put in front of
them and they never questioned whether there was going to
be other food. It wasn't until the start of the
20th century and then the 21st century that the options

(01:19:41):
for children started to be introduced in restaurants up and
down the country.

Speaker 4 (01:19:45):
Isn't it interesting that there was no concept of children's
food or kids' meals.

Speaker 3 (01:19:51):
You just ate.

Speaker 4 (01:19:53):
This is what we used to say to our kids,
you get what you get and you don't get upset.

Speaker 1 (01:19:55):
Yeah.

Speaker 4 (01:19:56):
We never gave any options for our kids whether they
could eat. Why would a kid be qualified to decide
not to eat something? That's a crazy idea that a
child would dictate its diet. There was a New Zealand study,
the University of Auckland research using grown-up in New Zealand
data found 61% of two-year-olds weren't eating the recommended amount

(01:20:20):
of vegetables, and 45% weren't eating enough fruit. By the
age of four and a half, the figures were still 50%
and 36%, respectively. And the same New Zealand research found
almost all of the preschoolers studied had eaten hot chips,
battered food, or fast food takeaways during the preceding week,
and almost half of two-year-olds had at least one sugary

(01:20:41):
drink a week.

Speaker 1 (01:20:42):
Wow.

Speaker 2 (01:20:43):
I mean, those stats are pretty shocking to my ears because, look,
I'm 40, so I wouldn't consider myself that old. But
certainly even when I was a kid, probably like you,
Matt Heath, is I didn't really get an option on
what I was allowed to eat. The food was presented.
And when mum and dad were together, mum did most
of the cooking. And if we ever turned our nose

(01:21:04):
up at mum's cooking, one.

Speaker 4 (01:21:06):
Oh, my goodness.

Speaker 2 (01:21:06):
We would get the wooden spoon.

Speaker 17 (01:21:07):
Yep.

Speaker 2 (01:21:08):
One where dad would say, you better run now because
you're in deep, deep trouble here. But also just say
you don't like it, go to bed. That is what
you're eating. If you're not hungry, go to bed. And
when you get up in the morning, it will be
here waiting for you.

Speaker 4 (01:21:23):
Kids don't have much autonomy in their life. They're taking places.
They're picked up, dropped off. They never know what's going on.
So if they can enforce– if they can gain any
power at all, they will. And one way they can
gain power is just going, no, and not eating food, right?

Speaker 2 (01:21:40):
Yeah.

Speaker 4 (01:21:41):
And so if you allow them to do that, I believe,
then they'll keep exerting that power. But– You know, I
never had that opportunity, and my kids never did. If
they didn't eat, then they didn't eat. It was like, well, okay,
you cannot eat. Because, I mean, they're not going to
starve themselves to death, are they?

Speaker 13 (01:21:59):
No.

Speaker 4 (01:22:00):
And then we'd have kids around at our house to stay,
you know, sleepovers, and they'd go, I don't eat that.

Speaker 3 (01:22:07):
I don't eat that.

Speaker 4 (01:22:08):
They'd only eat chicken nuggets or something. It was the
only thing that their parents fed them. And we'd be like,
that's interesting.

Speaker 3 (01:22:13):
You don't eat that.

Speaker 4 (01:22:13):
Okay, that's interesting. Well, that's what you're getting. So either
eat it or don't.

Speaker 2 (01:22:19):
You can starve for all I care.

Speaker 3 (01:22:21):
It just seems.

Speaker 4 (01:22:21):
Odd because they will eat once they get hungry, obviously,
won't they? So if you just don't feed them. If
you put it there and they don't eat it, then okay.

Speaker 5 (01:22:31):
Yeah.

Speaker 2 (01:22:32):
It's kind of like a pet, isn't it? I mean,
maybe people won't like this analogy, but if your dog
doesn't like a particular kibble, do you really care that
your dog doesn't like the kibble? You just leave the
bowl out and say, eventually, you will get hungry enough
to eat your kibble. Or have I taken this analogy
too far?

Speaker 3 (01:22:48):
My dog Colin's on the raw chicken wings now.

Speaker 4 (01:22:51):
So that's good eating.

Speaker 2 (01:22:53):
That's good eating.

Speaker 13 (01:22:53):
Yeah.

Speaker 1 (01:22:54):
Yeah.

Speaker 4 (01:22:54):
He's been, he's been taken off the kibble.

Speaker 2 (01:22:57):
Oh, 180, 1080. So as a parent, do you let
your kids determine what they want to eat? How has
that gone for you? Or if you're maybe in a
little bit of an older generation or maybe not, have
you been similar to Matt Heath that there is no choice?
You're a child.

Speaker 1 (01:23:12):
You're a parent.

Speaker 2 (01:23:12):
You eat what is delivered at the dinner time, and
if you don't like it, then you can go to bed.
It'll be waiting for you here when you get up.
0800 80 1080 is that number to call. 9292 is
the text. It is 12 past three. Back in a
few minutes.

Speaker 1 (01:23:26):
Newstalk ZB.

Speaker 2 (01:23:28):
It is a quarter past three, and we're talking about
picky eaters. Researchers believe children today are the fussiest in history,
and they put the blame mostly on the parents allowing
children to dictate what they eat. So what's your experience
on this? 0800 80 1080 is the number, and 9292
is the text number.

Speaker 4 (01:23:45):
This text says, why wouldn't kids?

Speaker 3 (01:23:50):
You've left the thing on.

Speaker 4 (01:23:52):
No, all right.

Speaker 5 (01:23:54):
Uh.

Speaker 4 (01:23:56):
You talk, there's something technically wrong with my mic, so
you talk. Tyler, I won't read that text.

Speaker 2 (01:24:00):
Yeah, we've got some problem happening here. We're all muted
on this side, so we'll figure out what is actually
going on there. This text says, G'day boys, re-fussy eating.
Teens refer to Falsy Towers. And we'll get to that
very shortly. This one says, what happened to you get
what you get and you don't get upset? Back in

(01:24:21):
my day, millennial here, if you didn't eat what was
for dinner, you went to bed hungry or ate an
apple or whatever was in the fruit bowl. Yeah, that
was absolutely true.

Speaker 4 (01:24:32):
That's a famous saying, you get what you get and
you don't get upset. Even with my kids, that's what
we used to say. And they would say it. They'd
repeat it. If other kids started complaining about their food,
my kids would go, get what you get.

Speaker 3 (01:24:42):
You don't get upset.

Speaker 2 (01:24:44):
That is some good lessons right there.

Speaker 4 (01:24:47):
There's not really any logic in it in that it's
just saying that that's a rhyme and it's good enough
for people to follow because it rhymes.

Speaker 2 (01:24:53):
Yeah, yeah, exactly. Julie, you've had three children. What's your
experience been on this?

Speaker 23 (01:24:59):
My.

Speaker 24 (01:25:00):
Probably similar to what you guys were all saying. I
just had, we ate what we were given when I
was growing up. My oldest was incredibly picky. I was
getting to the point of three in under three years
and I went along to play centre and I was
so stressed. It was driving me crazy. He just wouldn't
eat anything. He'd sort of, when we brought baby number

(01:25:22):
two home, he'd just decided he was going to be
fussy and the supervisor there said the worst thing you
can do is actually buy into it don't drive yourself
crazy over it just relax and they won't go hungry
so i just used to put the food on the
plate i'd make sure there was enough there that he

(01:25:42):
of things that he liked or but it was basically
what we were all eating and he um As I said,
I was telling the guy behind the scenes, he's 6'5
now and he's 24, so he didn't starve and I
didn't make separate meals for him or drive myself crazy
over it. if that makes sense. But, yeah, just basically

(01:26:06):
I think it's how the parent parents as well, it's
how you sort of buy into it. If you're going
to fight with them over it, well, then it is
going to become a bit of a control thing. But
if you just actually put the food up, there's nothing
you need to do. No more food is available. That's
what they get.

Speaker 4 (01:26:25):
I can see from a toddler's point of view why
they go for it, though, because, as I was saying before,
they get picked up, put down, told what to do,
told to put this back, told to put that back.
You know, they have very, very little control. So if
you can just shut your mouth and go, no, then,
you know, that's incredible.

Speaker 3 (01:26:45):
And your parent accepts it.

Speaker 4 (01:26:47):
Then you suddenly go, wow, I've got this huge power
over my parents that all I need to do is
just go, no, and then demand special things. So I
can see why they do it, but it's up to
parents to not allow that to happen.

Speaker 3 (01:27:00):
As you did.

Speaker 24 (01:27:02):
Sorry, that's where you get creative. You grate carrot into
patties and things like that so they don't know it's
in there. You put things in casseroles that they don't know,
and you just try to make sure that they're getting
everything they need to, but in a sort of creative way.

Speaker 10 (01:27:18):
Mm-hmm.

Speaker 2 (01:27:19):
Do you ever do deals with them, Julie? Because that's
something I think a lot of parents do. And to
be frank, my parents did with me as well. They said, right,
if you eat one more piece of broccoli and 95%
of the potato on your plate, then you can get dessert.
But I suppose the reason I'm asking that is that
can open the lines up to that negotiation and whether
you should be negotiating with your children about what they eat.

Speaker 24 (01:27:42):
I believe in bribery, I will say that. But I
actually also, when I had my nephew staying, I would
say that the person that, if they ate their dinner
or first one finished, got to pick breakfast.

Speaker 1 (01:27:54):
Right.

Speaker 2 (01:27:55):
And that worked well?

Speaker 24 (01:27:58):
They would always eat, and apparently they were fussy at
their house, but they were never fussy at my house.

Speaker 1 (01:28:03):
Right.

Speaker 2 (01:28:04):
Well, that says a lot. Julie?

Speaker 24 (01:28:05):
I don't know, but I think you've just got to
not get too stressed yourself about it.

Speaker 4 (01:28:13):
Yeah, that's the thing, getting stressed yourself about it and
your kids seeing that they can get you stressed and
all that kind of stuff.

Speaker 3 (01:28:22):
I think that's a problem.

Speaker 4 (01:28:22):
I think a lot of parents just want things to
be too perfect. They worry too much, and from a
place of love. And they want to make everything right.
And as a result, they start getting– they lose the
power ratio. And then next thing you know, your kid's
only eating, I don't know, microwave macaroni cheese or something.

Speaker 24 (01:28:44):
Chicken nuggets.

Speaker 5 (01:28:45):
Yeah.

Speaker 3 (01:28:45):
Chicken nuggets is a big one.

Speaker 5 (01:28:47):
Yeah.

Speaker 2 (01:28:49):
Julie, thank you very much for your thoughts. 0800 80 1080.
So are you like Julie? Have you got picky eaters
in your family and what did you do to address that?
0800 80 1080 is the number to call and 9292
is the text.

Speaker 4 (01:29:02):
This text says, you're bloody lucky your kids didn't have
a peanut allergy. They would be in hospital and you
would be sorry. But if you found out that your
kids had an allergy and there was something wrong, you
would take them to hospital or you would reach out
for help.

Speaker 1 (01:29:15):
Exactly.

Speaker 3 (01:29:16):
That's a totally side issue.

Speaker 4 (01:29:17):
I mean, first of all, you have to assume that
they don't have these allergies until you find out. If
your natural assumption is, I'm not going to give them
any of these foods just in case they have an allergy.
And you need to build up some of your resistance
to some types of food over your life. They do
these studies, and it's one of the reasons why toddlers
are walking around putting mud in their mouth. They're trying

(01:29:39):
to build up resistance to as many different things as
they can. It's not an accident that they're wanting to
put mud in their mouth early, and they're not later
on in life. So if you just go around, they
might have a cucumber allergy. They might have a peanut
butter allergy. You just go through the potential allergies and
never give them that kind of food just in case.
That would be a crazy way to go, wouldn't it?

Speaker 2 (01:29:57):
That's real by the ear, isn't it?

Speaker 4 (01:29:59):
Yeah, isn't it better to react to what happens?

Speaker 3 (01:30:03):
If something happens, rush them to hospital.

Speaker 2 (01:30:05):
Yeah, which is logical. Oh, 800-80-1080 is that number to call?
9292 is the text. How do you deal with picky
children in your family? Tell us.

Speaker 3 (01:30:14):
It is 21 past three.

Speaker 1 (01:30:19):
Matt Heath and Tyler Adams Afternoons. Call 0800 80 1080
on Newstalk ZB.

Speaker 2 (01:30:25):
Very good afternoon to you. It is 24 past three
and we're talking about fussy eaters. Children are the fussiest
eaters in history, according to researchers, and reckon parents might
be to blame. So how do you deal with fussy
eaters in your family? 0800 80 1080 is the number
to call. Or 9292 if you want to send a
text message. And there are plenty of texts coming through.

Speaker 4 (01:30:46):
Steve says, haha, I used to eat dried dirt clods
as a kid.

Speaker 3 (01:30:49):
I'm in my 50s now. I can still remember how
good they tasted.

Speaker 4 (01:30:54):
Oh, that's beautiful.

Speaker 2 (01:30:55):
Scott, how are you, mate?

Speaker 1 (01:30:57):
Not too bad, guys.

Speaker 6 (01:30:59):
Lovely crappy day here in Christchurch today.

Speaker 12 (01:31:01):
But oh well.

Speaker 2 (01:31:03):
She's a little bit miserable up here in Auckland.

Speaker 6 (01:31:06):
Oh, that's all right. It's springtime. That's how it goes.

Speaker 2 (01:31:10):
That's right, yeah. Dunedin wins again, I think, this one. Anyway, mate,
fussy eaters.

Speaker 1 (01:31:14):
Yeah.

Speaker 6 (01:31:15):
Yeah, so my late wife, she had a niece at
one point. She would only eat like tan-coloured food, i.e.
chicken nuggets, chips, stuff like that, and she wouldn't eat
anything else. It didn't matter whether it was healthy or
unhealthy or whatever, it had to be that one colour
and that's all she would eat. And I've heard of
a lot of other kids being around the same thing.

(01:31:36):
But I myself, I'm not really a fussy eater, but
I'm a generative of the generation where my parents you
sat at the table you ate everything in front of
you otherwise it was there tomorrow morning for breakfast or
you just got nothing else for the rest of the
day so I mean you didn't really have much of
a choice back then.

Speaker 4 (01:31:55):
I wonder if bigger families, because I sort of came
from a bigger family, I was just trying to get
as much food in me as I could before it disappeared.
I was always just looking at how much was on
the plate and just thinking, please give me more, please
give me more, please give me more. Not that my
parents were stingy, but I just wanted to eat as.

Speaker 3 (01:32:11):
Much as I can.

Speaker 6 (01:32:13):
We didn't have that sort of situation. Like, yes, we
were a bigger family, but my parents grew all the
vegetables and stuff.

Speaker 21 (01:32:21):
That we ate, so.

Speaker 6 (01:32:22):
and Mum was a prolific baker, so there was always
something in the cupboard to have, or she'd do a
dessert or whatever once a week afterwards. But, yeah, it
was just like silverbeet. At one point, there was silverbeet
twice or three times a day, depending on when you
were at Mum and Dad's or whatever. So I'd sort
of put you off silverbeet for the rest of your life.

(01:32:44):
But you had to sit there and eat it, whether
you liked it or not. Otherwise, it was dished up again,
as I say, cold or reheated, re-cooked, regurgitated in some
other way, shape, or form the next day. So it was, yeah,
I mean, but, you know, allergies is another thing. Don't
they do scratch tests now on kids when they're, like,

(01:33:06):
toddlers to find out if they're allergic to some of
this stuff?

Speaker 1 (01:33:11):
Yeah.

Speaker 4 (01:33:12):
I mean, there seems to be a lot of allergies
that weren't around back in the day. There's a lot
more allergic kids, a lot more dietary disorders.

Speaker 3 (01:33:21):
You know, restrictions on a school camp, for example.

Speaker 4 (01:33:24):
But just before we go on, this kind of goes
back on what I've been saying. Silverbeet, I don't see
the worth of silverbeet. What good does silverbeet do for anyone?

Speaker 6 (01:33:33):
It's fibre and it's iron and it's, you know, it's
all the nutrients that we get from other things, supposedly.

Speaker 12 (01:33:43):
But, you know.

Speaker 4 (01:33:44):
How do you serve silverbeet such that it's enjoyable to eat?

Speaker 6 (01:33:52):
Well, you know, well, in the classic case of my
parents was, or mum was, uh, boil it and have
it with a roast of some sort. But I mean,
you know, you can stir fry it, like saute it down,
wilt it down and have it, you know, another stuff
or you can chop it up raw and have it
as a salad. You know, it doesn't taste that bad
now as an adult, but you know, like it's better

(01:34:15):
than eating dirt, for example.

Speaker 2 (01:34:17):
But as you say, like, you know, going out.

Speaker 6 (01:34:20):
And getting a scratch or climbing a tree and falling down,
it's character building. It gives you that immunity and yeah,
It lets you do things that you're used to.

Speaker 4 (01:34:29):
Yeah, I mean, it's important that kids get dirty and
they get out and they experience things and they eat
different things. It's all setting up, and that's what childhood's about.
They have to get diseases so they build immunity. All
across the board, there's a lot of stuff that's happening
with a kid. That's why you have a snotty nose
from when you're about two to when you're about six
because you're dealing with all these kind of things. But yeah,

(01:34:53):
I mean, I had to eat the silver beet, but
that was one that was always last on my plate
and was always the thing that I found myself battling through.

Speaker 2 (01:34:59):
You saved the punishment for last. Scott, it's a very
fair point. Thank you very much for your call. Are
you with Scott? 0800 80 1080. I'll tell you what,
the time, and you must have gone through this as well, Matt,
when you realise as a young child that if you
stop breathing through your nose, then it really dilutes the
taste of what you're eating in front of you. that

(01:35:19):
was a good moment for me is that finally, because
I was one of those kids, you're not leaving the
table until you finish your Brussels sprouts. Love Brussels sprouts now,
but as a kid, you just hold the nose and
then just chew away until you polish that down.

Speaker 4 (01:35:32):
Brussels sprouts were never served up properly though. If you
just boil a Brussels sprout and put it on a plate,
that's quite different from now. You have Brussels sprouts and
they're like cut in half, fried up in butter. They've
got Moroccan seasoning on them and they're absolutely delicious. But
I think that There was a time when you just
boiled the vegetables and slapped them on the.

Speaker 3 (01:35:54):
Plate with a lot of water.

Speaker 2 (01:35:56):
Yeah, so true. Oh, at 180, 1080, fussy eaters, fussy children,
how do you deal with them in your household? How
did you deal with it when you were a child
as well? Tell us your stories. 9292 is the text number.
It's 29 past. Three headlines coming up.

Speaker 1 (01:36:09):
Newstalk ZB headlines.

Speaker 11 (01:36:12):
With Your Ride, New Zealand's number one taxi app. Download
Your Ride today. Three teens accused of stealing bikes from
other kids in Auckland's Lloyd Ellsmore Park on Sunday have
been referred to youth aid with five bikes restored to
their owners. Victims included a girl pushed off her bike,
breaking her arm. Port of Tauranga has the green light

(01:36:34):
for its stellar passage development to extend each wharf hundreds
of metres, install new container cranes and let larger ships berth.
The government's announced the first investments from the Gas Security Fund,
approving $ 23. 5 million in loans to Todd Energy for Taranaki
gas well projects. Health New Zealand says the pressure on

(01:36:57):
health services from surging winter illnesses like flu is likely
to carry on for at least another four weeks, although
it's eased from last month's exceptional high. Northam Police are
asking for help to find missing 15-year-old Te Ana, last
seen on August 11 in Whangarei's Unurahi. Lights, drones, action,

(01:37:18):
live streaming of New Zealand funerals here to stay. You
can find out more at nzherald.co.nz. Back to Matt Heath
and Tyler Adams.

Speaker 2 (01:37:28):
Thank you very much, Raylene. And we're talking about fussy
eaters when it comes to children. Researchers say that children
are the fussiest that they've ever been in recorded history.
And they believe it's largely down to parents and also
from the ability to allow children to make their own
decisions when it comes to food. So does that ring

(01:37:48):
true for you? 0800 80 1080 is the number and
9292 is the text number.

Speaker 4 (01:37:53):
G'day, boys, says this texter.

Speaker 3 (01:37:54):
Re-fussy eaters.

Speaker 7 (01:37:56):
Teens.

Speaker 4 (01:37:58):
Re-fussy eating teens refer to Fawlty Tower's wrongly shaped chips
on YouTube.

Speaker 3 (01:38:03):
It's such a laugh. Cheers, Terry. Should we do that?

Speaker 2 (01:38:05):
I think we've got that right here.

Speaker 5 (01:38:08):
Good evening.

Speaker 25 (01:38:08):
Everything to your satisfaction?

Speaker 23 (01:38:09):
Well, I don't like the chips.

Speaker 11 (01:38:13):
Sorry?

Speaker 23 (01:38:13):
The chips are awful.

Speaker 12 (01:38:15):
Oh, dear.

Speaker 1 (01:38:15):
What's wrong with them, then?

Speaker 23 (01:38:16):
They're the wrong shape, and they're just awful. I'm afraid
he gets everything cooked the way he likes it at home.

Speaker 25 (01:38:21):
Ah, does he, does he?

Speaker 2 (01:38:22):
Yes, I do, and it's better than this kid's garbage.

Speaker 23 (01:38:25):
Now, Ronald? These eggs look like you laid them.

Speaker 9 (01:38:28):
Ronald!

Speaker 23 (01:38:30):
Look here, old chap.

Speaker 20 (01:38:31):
Shut up.

Speaker 23 (01:38:31):
Leave him alone. He's very clever, rather highly strung.

Speaker 4 (01:38:35):
Yes, yes, he should be.

Speaker 25 (01:38:39):
Well, these are proper French fried potatoes. You see, the
chef is continental.

Speaker 23 (01:38:42):
Couldn't you get an English one? Why don't you eat
just one or two, dear? They're the wrong shape.

Speaker 1 (01:38:47):
Oh, dear. What shape do you usually have?

Speaker 25 (01:38:49):
Mickey Mouse shape? Smarty shape? Amphibious landing craft shape? Poke
in the eye shape.

Speaker 23 (01:38:55):
God, you're dumb.

Speaker 22 (01:38:56):
Oh, now.

Speaker 25 (01:38:58):
Is there something we can get you instead, Sonny?

Speaker 23 (01:39:00):
I'd like some bread and salad cream.

Speaker 1 (01:39:03):
To eat?

Speaker 25 (01:39:04):
Well, there's the bread and there's the mayonnaise.

Speaker 23 (01:39:06):
I said salad cream, stupid.

Speaker 25 (01:39:09):
We don't have any salad cream. The chef made this
freshly this morning. What a dump.

Speaker 23 (01:39:15):
This is very good. He likes salad cream.

Speaker 2 (01:39:18):
That's puke, that is.

Speaker 25 (01:39:19):
Well, at least it's fresh puke.

Speaker 1 (01:39:21):
Oh, dear.

Speaker 23 (01:39:22):
May I ask why you don't have proper salad cream?
I mean, most restaurants... Well.

Speaker 25 (01:39:27):
The chef usually buys it only on special occasions, you know,
gourmet nights and so on, but.

Speaker 2 (01:39:31):
Yes, OK, thank you.

Speaker 3 (01:39:33):
Thank you, Terry, that was good.

Speaker 11 (01:39:34):
Yeah.

Speaker 2 (01:39:37):
What a child.

Speaker 4 (01:39:37):
So it's been happening since the 70s then at least.

Speaker 3 (01:39:40):
Yeah, exactly. It's not a new thing.

Speaker 2 (01:39:42):
The wrong shape.

Speaker 4 (01:39:43):
Although apparently it's been getting worse and worse according to
the study.

Speaker 2 (01:39:46):
Yeah, so how do you deal with it? 0800 80 1080. G'day, Mark.

Speaker 21 (01:39:51):
Hi.

Speaker 10 (01:39:52):
Yeah, I've just come back from Australia seeing my two, well,
the twin nieces.

Speaker 12 (01:39:58):
They're five.

Speaker 10 (01:40:00):
And it's down to the parents. They bubble wrap them,
or they have to explain everything to them, and they
do that, and they also do that with food. Luckily,
these two, because they're hungry, they eat most things all
the way through. But they get special treatment sometimes, and

(01:40:20):
you think, you're bubble wrapping them. And that's the same
which goes right through with food or... Oh, you can't
have that.

Speaker 5 (01:40:29):
Why?

Speaker 10 (01:40:30):
And then you have to do a whole load of explanation.

Speaker 1 (01:40:32):
No, you don't.

Speaker 10 (01:40:33):
You just say, you don't. You don't get it.

Speaker 11 (01:40:36):
That's it.

Speaker 9 (01:40:37):
Yeah.

Speaker 23 (01:40:38):
Yeah.

Speaker 4 (01:40:39):
Do you think we get into too many discussions with
our kids, asking them their opinion too much? Because it
is quite an interesting thing to ask a kid, you know,
they're definitely not qualified to decide what their diet is. So,
you know, it's not really something that they need to
be involved in.

Speaker 10 (01:40:56):
No, and if they knew what was in a chicken nugget,
they wouldn't eat it. But that's beside the point.

Speaker 5 (01:41:01):
Yeah.

Speaker 2 (01:41:02):
What do you reckon about children's menus in restaurants? Do
you think that's part of the downfall, Mark? I mean,
when you went to a restaurant with your children, would
you ever let them peruse the menu and decide what
they're eating?

Speaker 3 (01:41:12):
Well, it's half price.

Speaker 1 (01:41:13):
Yeah.

Speaker 2 (01:41:14):
It is good value.

Speaker 10 (01:41:14):
Well, I did, but they... they kind of chose what
they looked at and then go, and then I'd explain it,
what it actually is. And they go, oh, no, no, no.
And then I try and point them in the right
direction for something that they usually like or would like.
And then, yeah. So there's a little bit of interaction,

(01:41:38):
but there's not all this bubble wrap, you know, or
explanations for half an hour to just say no or yes.
It's so much easier to have One word answers.

Speaker 26 (01:41:50):
There's another trick that you can do, which is if
the kids want to have some power, there's another thing
you can do, which is to give them two options.

Speaker 4 (01:42:00):
You can say something like, do you want to have
a shower or a bath? And then they feel like
they're picking, but either way they're getting clean.

Speaker 3 (01:42:06):
It's the same thing.

Speaker 4 (01:42:07):
It's like, do you want to eat this or go
to bed?

Speaker 3 (01:42:10):
And they go, oh, I want to eat this.

Speaker 4 (01:42:12):
So they are exerting some power, but you've outsmarted them by–
by giving them two options and both of them are
the things that you want them to do.

Speaker 10 (01:42:22):
Yeah, well, these two little mites had a choice. You
either eat, and if you stop eating or you don't
want any more, then you don't get anything else because
you'll be going to bed.

Speaker 17 (01:42:37):
That's it.

Speaker 10 (01:42:37):
Once you leave the table, that's it. And they, oh,
so they carried on eating. Or they didn't. They said, yes,
I've had enough. And then if they did ask for something... Sorry, no.
So I thought that was very good of my son
and daughter-in-law.

Speaker 2 (01:42:57):
Yeah, good strategy. Thank you very much for your thoughts, Mark.
0800 80 1080. Are you with Mark? Cam, what's your thoughts?

Speaker 9 (01:43:06):
I quite enjoy this because I'm a stickler for eating
properly and eating well. Sort of the main thing for
me was like being a single dad for a large
percentage of the time was actually food that's actually put
on the table, if it's like the silver beet, if
it's not actually eaten within 24 hours, it's lost 50%

(01:43:27):
of its sweetness. So if you've got like food and
vegetables on the table and it's like, you know, they're
older and being picked so much earlier, they don't actually,
they're not sweet. So they're not actually tasty at all.
Older people lose their taste buds. Younger children have got
heaps of taste buds.

Speaker 17 (01:43:44):
So keep the food sweet and fresh, and.

Speaker 9 (01:43:46):
That's a really good starter. Had the rule of if
you haven't finished your meal, there's no dessert, but you
didn't know when dessert was going to turn up. It's
pretty basic. There's always ice cream in the freezer and
a bit of fruit with it. So if you couldn't
eat your meal, well, we were just having dessert this
Wednesday night, and you miss out because you're obviously not

(01:44:08):
hungry anymore.

Speaker 3 (01:44:09):
Oh, right, so the dessert wasn't every night.

Speaker 4 (01:44:11):
It was just one particular.

Speaker 3 (01:44:14):
Night of the week.

Speaker 4 (01:44:14):
But if you didn't eat your meal, then you were
ruled out of dessert whenever it appeared out, whenever it appeared.

Speaker 9 (01:44:20):
It could be random.

Speaker 3 (01:44:21):
It could be like Friday night.

Speaker 5 (01:44:22):
Genius. All over the place. That's clever.

Speaker 9 (01:44:26):
You can't have desserts. You know, you're obviously... This worked
the trick. And the other one was actually.

Speaker 19 (01:44:37):
We used.

Speaker 17 (01:44:37):
To go to a restaurant.

Speaker 9 (01:44:39):
You can't go to a restaurant until you can use
your knife and fork. And this is getting back a bit,
but this worked really well. So we used to eat
a lot of those chicken nibbles, like wings and little legs.
I can't remember what they are. They're quite hard to eat,
but you have to eat them with a knife and fork.
We're in this at home.

Speaker 17 (01:44:57):
Oh, and now you can do it. And we were
one day.

Speaker 9 (01:45:00):
At Lone Star at the restaurant because they could actually
eat with a knife and fork. So they're eating away
all these children. I think it was one that was
of school age and the rest were less than, maybe
one or two. And the woman came out and she
brought out all this extra stuff going, your children have
been eating so well. We're so pleased to see people
not eating with their fingers. So they brought out all

(01:45:22):
this extra for the children eating well. So that's sort
of like a great incentive.

Speaker 4 (01:45:27):
What a lesson. What a life lesson that is for
those kids to be rewarded like that.

Speaker 17 (01:45:33):
But you see them everywhere.

Speaker 9 (01:45:35):
Children will get down and then there's a children's bowl.
It's actually encouraged, cafes and restaurants. And here they are
just eating away and then a couple of days later
they've all got the flu.

Speaker 4 (01:45:49):
You've got a kid on an iPad with the headphones
on with their fingers into some kind of pasta dish,
rubbing it on their face and dropping it on the floor.
And that kid's like nine years old or something.

Speaker 1 (01:46:02):
Absolutely.

Speaker 9 (01:46:03):
And by school age, my children were actually eating knife
and fork, washed hands, if there was finger food, compulsory,
washed hands.

Speaker 5 (01:46:12):
But the food had to.

Speaker 9 (01:46:13):
Be like, I think in the fridge you've got now
those refresher vegetable drawers. But you can't have like mixed
bananas sitting beside apples because they go off so quickly.
So you've just got to have like fresh fruit, things
to eat. I remember one child that was visiting said
that they didn't like potatoes. So we said, well, actually

(01:46:34):
you're out of luck because tomorrow night is fish and
chip night and we're having potatoes. So you'll just have
like fish. They were really concerned that actually potatoes and
chips were the same food. I've never reasoned with the unreasonable.
It's just ridiculous. Most children at mealtimes are actually quite tired.

(01:46:58):
And that's where they just like are unreasonable. So you've
got to get past that. And the other one is
really don't give any children apples before bed. That actually
keeps you awake. It's to awaken you.

Speaker 2 (01:47:11):
Right. Cam, thank you very much. It seems like you've
got some good strategies there. Really appreciate your thoughts on that.

Speaker 4 (01:47:17):
I've heard that an apple is akin to drinking a
coffee in terms of how much it wakes you up.

Speaker 3 (01:47:24):
A lot of sugar in an apple.

Speaker 2 (01:47:25):
Yes, yeah. Cam, thank you very much for your call.
0800 80 1080. Are you like Cam? What has worked
if you've had fussy children when it comes to dinners?
And 9292 if you want to send a text. Bill says,
waterboard the little beep if they won't eat their greens.
Although bitter veggies like Brussels sprouts and silverbeet taste worse

(01:47:46):
on low mileage kids. Taste buds. They have to eat
what they're given. No ifs and no buts.

Speaker 1 (01:47:52):
All right.

Speaker 2 (01:47:52):
Thank you very much for that text.

Speaker 4 (01:47:54):
This text says, yes, well, some of us have more
difficult children than you, clearly. My son can only eat
the chicken nuggets that you laugh at. Are you going
to judge me? Other foods will just not go in.
They fall out of his mouth. Yeah, they don't fall
out of his mouth. He's spitting them out of his mouth.

Speaker 24 (01:48:11):
Yeah.

Speaker 2 (01:48:11):
It's a Mexican standoff, and you've got to keep going.

Speaker 4 (01:48:14):
Do you think it's a coincidence? And I'm not judging
you because it's very different. I don't know all the
situations in your life, but. do you think it's a
coincidence that the chicken nuggets don't fall out of his
mouth but other foods do fall out of his mouth
what is it about the nuggets that stay in his
mouth mouth as opposed to other.

Speaker 3 (01:48:30):
Foods that fall out?

Speaker 5 (01:48:31):
Yeah, very good.

Speaker 2 (01:48:33):
Right, keep those sticks coming through. 9292, it is 16
to 4, more in a moment.

Speaker 1 (01:48:38):
Matt Heath, Tyler Adams, taking your calls on 0800 80 1080.
It's Matt Heath and Tyler Adams Afternoons.

Speaker 19 (01:48:45):
1324.

Speaker 2 (01:48:45):
So kids today are some of the fussiest in history,
according to researchers. So how do you deal with a
fussy eater in your house? Tell us.

Speaker 3 (01:49:01):
A side issue here is.

Speaker 4 (01:49:04):
Hey, Matt, silverbeet tossed around in a pan with some
sautéed onions, some dill and crumbed feta cheese after everything
else has wilted is amazing. If you want it to
be even more unhealthy, you could add a little cream.

Speaker 1 (01:49:16):
Oh, yeah.

Speaker 19 (01:49:16):
Beautiful.

Speaker 4 (01:49:17):
And this text says, Parmesan cheese on silverbeet makes it edible.
Garlic and anything else into a Brussels sprouts to make
them taste like anything but Brussels sprouts. But if you
do that right, I mean, kids aren't going to, you're
not going to get a Brussels sprout down a kid
because you put garlic on it, are you? You're going
to get it down there, the kid, because they don't
get dessert unless they eat whatever's given to them.

Speaker 2 (01:49:37):
Yeah, exactly. If it's got a bit of butter on it.

Speaker 4 (01:49:40):
This text says, the smell of my mother cooking Brussels
sprouts and the dog farting was a perfect match as I.

Speaker 3 (01:49:45):
Was growing up.

Speaker 2 (01:49:46):
That's interesting.

Speaker 4 (01:49:48):
And this text says, I used to sit in the
garden and dig up worms and eat them.

Speaker 3 (01:49:51):
Delicious.

Speaker 4 (01:49:51):
My mum said there was a lot of dirt that
was coming through my nappy as well. Yeah, I mean,
I used to eat the old worm as a kid.
I remember eating worms and Yeah, it's good stuff.

Speaker 2 (01:50:01):
Were they all right, the worms? Bit of garlic on
the worm?

Speaker 19 (01:50:04):
Yeah.

Speaker 2 (01:50:04):
Sautéed up?

Speaker 3 (01:50:05):
Yeah, I don't eat them now.

Speaker 4 (01:50:06):
I mean, arguably a white, what's a whitebait patty, but
a bunch of fishy worms with eyes.

Speaker 2 (01:50:12):
Don't start that again. Dick, how are you, mate?

Speaker 7 (01:50:16):
My bad, so?

Speaker 22 (01:50:17):
Yeah, good.

Speaker 2 (01:50:18):
What's your thoughts?

Speaker 7 (01:50:20):
I just, on my own, on my own experience, you know, that,
I'm 70 years old and I'm an ex-farmer, so I'm
still farming. And my grandkids come home and both my
daughter and her husband are schoolteachers and they're pretty woke,
you know. And their grandkids sit up at the table

(01:50:42):
because we always have tea at the table. And they
don't eat their tucker, so we all go and sit
down and lounge and they're moaning and groaning about it.
and so I used to go up to the table
and say, look, you little shits, you're sitting here, you're
eating your tucker, and if you don't, you're going straight
to bed, and you've got five minutes to do so,

(01:51:04):
and when you do, you come up, and you bring
your plate to me, and then you put it up
at the sink and wash it. Well, within five minutes,
they were both undone it, and they'd been sitting there
for a quarter of an hour, and mum and dad
are going, all right, now eat it now, and they're
turning around, watching TV, and It's just this woke stuff.

(01:51:25):
Parents won't make them do it.

Speaker 2 (01:51:27):
A bit of tough love, you reckon, Dick?

Speaker 7 (01:51:30):
Yeah, well, just discipline. As you said before, the kids
are learning control to say no. And I see it
all the time with all around the world. And you think, well,
what the world's coming to? It's like that woman with
the chicken nuggets. I presume they didn't fall out of
the mouth because of all the glue and the preservative
in them.

Speaker 2 (01:51:51):
All their glue and preservative is pretty tasty, I think.

Speaker 7 (01:51:55):
Yeah, all the sticks in their mouth. They all go
for this junk food. What's the chicken nuggets made out
of bones and sinew? There's no good meat in them
at all. They like all that preservative or whatever they
put in it. which I think is addictive, or seems

(01:52:16):
to be addictive.

Speaker 2 (01:52:17):
Yeah, I think there's a lot in there. I mean,
did the grandkids push back on it? When you said, look, listen,
you little beeps, sort it out, eat what's given to you,
and then come up to me and wash your dishes,
surely there was a bit of pushback?

Speaker 7 (01:52:29):
No, not at all, because they all know my house
is my rules, and I've never tolerated it with all
the grandkids I've got. I know heaps of them, and
they all know that. And so they respect that. So
there's no pushback at all. But like when I said that,
my daughter, the daggers, she looked at me, but she

(01:52:49):
knew better than to say, hey, you know, leave him alone.
And he got up and done it. Whereas the dad,
I looked at him and he just smiled and nodded
his head, thinking, well, shit, I wish I could do that.

Speaker 19 (01:53:02):
Yeah.

Speaker 7 (01:53:02):
Because my daughter's pretty powerful. You know, she runs a place,
you know. He wears a pants when he says he can, but.
You know, it's just, yeah, you think, why don't they
do that themselves to save themselves a whole lot of hassle?

Speaker 2 (01:53:17):
Good on you, Dick. I mean, a staunch granddad there.

Speaker 4 (01:53:20):
Yeah, and I love a Richard that goes by the
shortened Dick.

Speaker 2 (01:53:24):
Powerful, yeah. Confident.

Speaker 4 (01:53:26):
It's a powerful shortening of Richard.

Speaker 2 (01:53:28):
It certainly is. A couple of texts here. G'day, guys.
Pasture is the magic bullet for my kid. Make it cheesy,
make it creamy, fill it with hidden white vegetables, onions, cauliflower, courgette,
et cetera. Done deal. Whatever you think about that.

Speaker 4 (01:53:41):
But if they try and reject that, you get what
you get and you don't get upset. That's really the point,
isn't it? You don't go into a negotiation. The kids
don't get to say what they eat, obviously.

Speaker 17 (01:53:51):
Yeah.

Speaker 3 (01:53:51):
Obviously. What do they know? They don't pay for anything.

Speaker 5 (01:53:54):
That's right.

Speaker 3 (01:53:54):
They don't make it. You're lucky to get anything.

Speaker 2 (01:53:57):
I think I've told this to you before, but I
tried to outstub an dad over the dinner. It was
one of his stews. And to be honest, dad's stews
were a little bit rough. He was pretty proud of them.
But I said, dad, I'm not eating the stew. And
he said, that's fine. You go to bed. And I said, fine,
I will go to bed. Then I tried to sneak
out at about midnight to get some food out of
the pantry. And he was waiting for me in the hallway.

(01:54:17):
And he said, oh, good, you're up. The stew's still
waiting for you. That's commitment, Dad. You were up that
whole time just waiting for me to leave the room.
I thought, hats off to you. Well played.

Speaker 3 (01:54:28):
I respect that.

Speaker 2 (01:54:29):
Right, it is seven minutes to three. Back very shortly.

Speaker 1 (01:54:35):

Speaker 2 (01:54:44):
Newstalk ZB. It is five to four.

Speaker 4 (01:54:47):
OK, that's the end of the show. Thank you so
much for listening. Thanks for all your calls and texts.
Heather Duplassie-Allen is up next. And after 4pm, former Warrior
and League legend Sean Johnson tells Heather if it's a
good idea to trade Mount Smart for Eden Park as
the Warriors charge.

Speaker 3 (01:55:02):
Towards the trophy.

Speaker 4 (01:55:03):
But right now, Tyler, my good buddy, why am I
playing this 1982 tune from the excellent English ska pop
group Madness?

Speaker 2 (01:55:16):
This is a chemist, not a junkie shop. I've got
no idea, mate. What is this about?

Speaker 4 (01:55:20):
Because National are promising to raise the threshold up to
300k for a household trying to get a 5% deposit
on a house. And this song is called House of Fun,
which is actually about a pub. But I've played Madness
Our House.

Speaker 3 (01:55:38):
Too many times.

Speaker 1 (01:55:39):
Yeah. All right?

Speaker 2 (01:55:40):
10 euros for that. Yeah, I will allow it.

Speaker 3 (01:55:41):
Yeah, you happy with that? Yeah, good deal.

Speaker 5 (01:55:42):
All right.

Speaker 12 (01:55:43):
Okay.

Speaker 3 (01:55:44):
You seem busy, so we'll let you go. Bless, bless, bless.

Speaker 4 (01:55:46):
I'm Matt Heath, that's Tyler Adams, and we'll be back
live on your radio tomorrow afternoon.

Speaker 3 (01:55:50):
Until then, give them a taste of Kiwi.

Speaker 1 (01:56:07):
For more from Newstalk ZB, listen live on air or
online and keep our shows with you wherever you go
with our podcasts on iHeartRadio.

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