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November 16, 2025 12 mins

Today we're doing something a little different thanks to our mates at ANZ. 

We’re teaming up with ANZ to talk about something really important: financial confidence and KiwiSaver. 

Hayley's sitting down with fellow ZM gal Georgia Burt to interview her about how she thinks about money, the future, and what she's learned along the way. 

Book your free KiwiSaver Check-in with ANZ and take a confident step toward your financial future.

ANZ New Zealand Investments Limited is the issuer and manager of ANZ's KiwiSaver schemes. See advice statement, scheme guides and product disclosure statements at anz.co.nz. 

See omnystudio.com/listener for privacy information.

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Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Kyolder Team. It is Hailey here, and today we're going
to do something a little bit different thanks to our
mates at a n z or N's. If you want
to be annoying, I'm sitting down with my fellow zidem
gal Georgia Burt, one of the four Fabulous why He
and holding it down on the market Zidem to chat
about something we don't talk about enough money Mullah Pachinga's

(00:21):
coin cash money. We're going to get to key we
Saver talking about building financial confidence and why it's actually
kind of empowering to know how your cash.

Speaker 2 (00:31):
Is building up over the long term.

Speaker 1 (00:33):
It's real, it's fun, and it might just make you
want to check your key we Saver savings after this.
So let's get into it. Hi, Georgia, Hello, Hailey. What
people don't know about us is we sort of have
this friendly on air disposition. But I want to strip
that away and admit that we don't get on.

Speaker 2 (00:49):
We don't.

Speaker 3 (00:50):
We honestly don't. It's really hard. Like we've joked about
like flirting with each other and stuff.

Speaker 2 (00:53):
But it's all fake.

Speaker 1 (00:54):
It's all fa no chemistry, nothing, absolutely nothing.

Speaker 4 (00:58):
In fact, we're not even very good to contact, no look.

Speaker 2 (01:01):
Away from me.

Speaker 4 (01:03):
I might have to just face this wall while I talk.

Speaker 2 (01:06):
So, Georgia, welcome to my podcast. You skill, you gotta go.
You got a number of them?

Speaker 1 (01:13):
What Sorry, no, Georgia, listen, be serious. This is this
is about money. It is no, we don't have to
be serious, but we're talking about money, our financial futures.
Do you have you dreamed of yours much?

Speaker 4 (01:28):
Not in terms of like how much I would want
or anything.

Speaker 2 (01:31):
We wants, different.

Speaker 3 (01:34):
Dreamed of assets I want, yeah, but in terms of
my financial future and like how big I want the
bank account to be.

Speaker 1 (01:42):
Neither, you've got key we saber got keey we sabit.

Speaker 2 (01:46):
I first started sort of be useless. If you didn't,
it would be actually you've had it since you first started?

Speaker 3 (01:50):
What working here, working just working in general? When was
there wait I was sixteen? No, I was fifteen, so yeah,
when I was fifteen, so six sixteen years ago.

Speaker 1 (02:02):
Wow, that just had sorry listeners, just a moment for
Georgia to grapple with her own age.

Speaker 4 (02:09):
Sure that's quite good though, to be fair.

Speaker 1 (02:11):
I had key we save it. Yeah when I got
my first proper job at a coffee shop. But I
never contributed it to it. Ever, I was a freelancer. Oh,
I did them, but then when I went then I
went to UNI, and then I came out and I
was a freelancer. We have got like opt in to
you've got to do it yourself, and so I never
did until I started working here and had an actual

(02:33):
salary job.

Speaker 4 (02:35):
And have you noticed the impact of it since you've
done that.

Speaker 2 (02:38):
It's crazy for sure.

Speaker 1 (02:39):
And because you don't even really notice the contribution, you're just.

Speaker 2 (02:44):
Like, that's just not my money, but it is.

Speaker 3 (02:46):
It's the one bank account, well bank account kind of
thing that you never check everything else my.

Speaker 2 (02:51):
Own by because you can't touch it. But have you
because you own a home, have you did you use
your key?

Speaker 3 (02:56):
We save for that, used it for that, so both
my partner and I used it for our and then
now I just had a check of what it is today.

Speaker 4 (03:03):
Unreal. I mean we bought the house, like what coming
up five years ago?

Speaker 2 (03:08):
Yes, So it just kind of fills back up and
you see it.

Speaker 4 (03:10):
And you're like, oh my god, I'm going to retire
a happy woman.

Speaker 1 (03:14):
Do you feel like when you first joined keyp we
Saber as a teenager? No, you weren't tween agor you
were a full blown teenager that you understood what on
earth you were.

Speaker 2 (03:22):
Doing, no idea and what it was all for.

Speaker 3 (03:24):
I don't even think my parents did either, because what
did they grow up with?

Speaker 2 (03:28):
Is it superper? Yeah?

Speaker 4 (03:29):
And so they didn't really know.

Speaker 3 (03:31):
And so even when I bought the house, I remember
my dad saying to me, what do you mean you're
taking it out? Like that's for your retirement? Yeah, And
I was like, no, no, that's for your retirements reading yeah.

Speaker 2 (03:40):
Yeah, yours is yours, mine's for a home.

Speaker 3 (03:42):
They didn't realize you could take it out prior to
actually retiring.

Speaker 1 (03:46):
Yeah, because this is the thing, right like, and particularly
with women, which I am you are, Stop me if
I've got that wrong.

Speaker 4 (03:54):
This is sight paulse just to give them a little
bit of question.

Speaker 1 (03:56):
Yeah, we don't talk about money lot, let alone sort
of consciously planning for things like that.

Speaker 2 (04:04):
Why do you think that is? Why do you think
the women and Wind's not talking about our finances in
the same way. I actually don't know.

Speaker 4 (04:09):
Do you know?

Speaker 3 (04:10):
It's funny because I like, even with talking with my mates,
we talk about everything, like everything, but when it comes
I money We've even talked about everything one hundred percent,
Like we say stuff there.

Speaker 2 (04:23):
The MIC's go on, and we like, don't don't say
it here.

Speaker 1 (04:25):
No, I think it's safer than it is when we're
on here.

Speaker 2 (04:29):
But yeah, we talk about everything.

Speaker 3 (04:31):
And it's weird because I think I feel as though
it's I don't know if it's just a Kiwi thing,
but we've grown up to just not really talk about
money or you don't talk about how much you earn
but pruder. Yeah, yeah, And I don't know whether it's
a pride thing or an embarrassment thing if you feel
like you're not making more than someone else or I
don't know, it's a weird thing.

Speaker 1 (04:51):
And especially with Kiwis, there's a shift as well with
women in that like we are being maybe more proud now, prouder,
we're being prouder now private school. We've been prouder now
of earning money and being career driven, Whereas like I
think when we were younger, still just on the edge
of that, like we have the babies and we do,

(05:13):
you know, like a little bit more of the traditional setup,
you know, Whereas like now I think that we are
gaining more confidence to be financially independent, have our own
financial goals, our own financial dreams. So I hope that
it's shifting for the good.

Speaker 3 (05:25):
Yes, same, And I wonder if it's because we've I
guess we see like people go through hardship or whatever
and say that they haven't worked, or they did work,
but they weren't earning much money and so they were like, oh,
I wanted to have kids and blah blah blah. So
they change their mindset as we've seen people go, oh, wait,
I need to be doing this for myself because I
don't have anything that fills that part of my brain

(05:47):
for sure, or that.

Speaker 4 (05:48):
I feel like I've earned that money to spend.

Speaker 2 (05:50):
I don't know.

Speaker 4 (05:50):
It's a weird thing.

Speaker 2 (05:51):
It is.

Speaker 1 (05:52):
Have you on your key with saber junity because I
have done this multiple times actually throughout changed providers or funds, Yes,
a few times.

Speaker 2 (06:00):
What made you do it?

Speaker 4 (06:01):
So? I was worth one for years? I was first
put in.

Speaker 1 (06:05):
You just get selected for you ain't and I didn't
really need it, okay.

Speaker 3 (06:09):
Because someone gave us a sort of a way to go,
and then they changed names quite a few times. I
remember Mum and dad just being like, oh, you might
want to just shift because like, no, no, no, it
doesn't seem legit.

Speaker 2 (06:20):
The company was changing names.

Speaker 4 (06:22):
Yeah, I can't remember.

Speaker 2 (06:25):
Is this the mafia?

Speaker 3 (06:26):
To be honest, at this point, I didn't even really
like focus on what was in my KEYPI saber until
I was like, oh, they're going to buy a house.
At that point, you then here and I remember I
switched it to a bank, and then I switched it
from that bank to another bank, so I actually were
the bank.

Speaker 1 (06:42):
I also changed how aggressive mine was same, I am
man because I used mine as well to buy my
first house what was in it, and now topping it up,
It's like I can't do that again, so why not
be aggressive?

Speaker 4 (06:54):
Exactly my thoughts too.

Speaker 1 (06:56):
Yeah, and I took some advice as well from the bank.
I actually called the bank and like should I do this?
And they said yes, because like you're young, thank you,
I said, And I'm literally thirty years away from being
able to access this, so there's a bit of wiggle
room for it to go down and up and be
more aggressive.

Speaker 2 (07:11):
But that's the thing.

Speaker 1 (07:12):
You can just literally call the bank and ask for
that advice and go, what do you reckon?

Speaker 2 (07:16):
Given my goals that I have for this fun.

Speaker 4 (07:20):
Oh, I see that, Sandy.

Speaker 3 (07:21):
I also only did mine probably three weeks ago, because
I looked at it, I was like, oh, hasn't really
changed that much in the last like six months or
so aggressive by changing.

Speaker 4 (07:33):
It three weeks ago.

Speaker 3 (07:34):
I looked at it a little bumps literally this morning,
and I'm like, we had over that.

Speaker 1 (07:39):
Yeah, most way quicker than I thought. So it's worth it,
for sure. If you had some advice.

Speaker 2 (07:45):
I love this. I always love reflecting back.

Speaker 1 (07:48):
If you had some advice for your younger self when
it came to money in conversations or thinking about your future,
what would it be Save more?

Speaker 4 (07:55):
Literally, save more?

Speaker 3 (07:57):
I think because I am married to a banker as well,
so shit of course, So when you marry a banker,
or you like meet someone that's so good with putting
everything away and all.

Speaker 4 (08:08):
That jazz, you still sit in there.

Speaker 5 (08:10):
Like hello, la la la, and you're like, oh no,
if we do want to buy a house, I want
to make sure that as much of it as yours
as it is mine, and that we have put the
money in, and.

Speaker 3 (08:21):
That it feels like a collaborated thing. And so I
wish I had had. I mean, we've been together nearly
twelve years. But I wish that I'd had that sort
of mentality a lot earlier.

Speaker 1 (08:32):
Yes, you do think about time lost and all the
savings not made, Yes, but you have to just think like,
it's never too late.

Speaker 2 (08:38):
I think that's the thing. It's like today with anything,
it's never too late.

Speaker 1 (08:42):
If you just started today, it's better than studying tomorrow,
which is better than starting next year exactly.

Speaker 3 (08:47):
And I also, okay, this is totally sort of on
the same line. I would not just totally sort of
totally sort of the same. I would not just buy
crappy clothes and a lot of them, because I think
that's where a lot of my money.

Speaker 2 (09:00):
Dude, I know I've been doing a wardrobe clearer at
the moment.

Speaker 1 (09:03):
Now, if that amount of money that I'd spent on
those clothes went into Keiwi saver and an aggressive.

Speaker 2 (09:08):
Fund, well I'll be looking pretty pretty right now. Instead,
I don't have a sound beautiful, no, no, I'll be
like looking pretty Financially, I know I'm beautiful. You don't
need to of that.

Speaker 1 (09:20):
Late twenties and the most but honestly, I'm the same.

Speaker 2 (09:24):
I'm the same.

Speaker 1 (09:25):
I love to spend and I don't often think about
my financial future.

Speaker 2 (09:29):
It's almost like I'll deal with it later.

Speaker 1 (09:32):
And then every year later it gets closer and I'm
nearly forty, and then you're.

Speaker 2 (09:35):
Like, well, what is my plan? How do I want
to retire? When you let the end and I've thoroughly
enjoyed this same do you have it? Sorry? That same
was so disingenuous.

Speaker 4 (09:47):
You know, I can't do sarcasm, and now, okay.

Speaker 2 (09:50):
Do your sarcasm.

Speaker 1 (09:51):
So if people listen to this particular episode haven't heard Georgia, Okay,
I'm wearing the ugliest scarf, let's say, and I want
you to be like, Okay, cool scarf. That's how I
beil it. If you said to me, oh my god,
do you let my scarff? I'll be like, oh yeah,
that's the coolest scarf.

Speaker 3 (10:07):
Ever.

Speaker 4 (10:07):
No, but I'm not going to do that to you. Okay, wait, okay, okay,
go do you have my scarff?

Speaker 5 (10:12):
Oh?

Speaker 2 (10:12):
Yeah, no, that's just lying. Sarcasm is different. God, you're
really good at sarcasm. That was sarcasm.

Speaker 3 (10:21):
Oh oh, your scaff's really nice.

Speaker 2 (10:25):
What is wrong with this woman?

Speaker 1 (10:27):
It's weird to experience such inadequacy here with you this
is away with money and asking you about some advice
for people, not financial advice, because we've just heard and
that's not not your job to give financial advice because
I wouldn't be good at it. Some advice maybe on
how to get the conversation started, even between friends, like
for young women in particular, how could we start talking

(10:49):
about our financial futures more.

Speaker 4 (10:51):
Maybe I think it's a trust thing. I think it
stems it from a trust thing.

Speaker 3 (10:55):
But if you're willing to trust them with some of
the biggest secrets in your personal life anyway, yeah, then
this your be some element of trust in talking about money,
because at the end of the day, it's kind of
the same thing. But what are they going to do?
Tell so and so's mother and father and sister. It
doesn't matter because then you're living your life and you've
gone probably going to go through harder things that you're

(11:16):
going to share with them than you are money. So
I honestly do think it stems from a trust thing
or an embarrassment thing. So it's getting over that hurdle
and kind of going if I can talk to them
about some of my own personal things, pimples.

Speaker 2 (11:27):
Pimples.

Speaker 3 (11:28):
My end that make me feel so insecure. Your biggest
in securities, right, money shouldn't be one of them. Yeah, totally.
And if it is, and you're going through a hard
time financially, then talking to them about how I can
get out of that hard time getting advice.

Speaker 1 (11:43):
Yeah, she's she's actually marveled herself of their own wisdom.

Speaker 2 (11:47):
Wild.

Speaker 1 (11:48):
Can we just clip that out and so Georgie could
put that on your CV Wisdom Provider.

Speaker 3 (11:53):
Because I honestly believe that that's where it steems from.
Because what other reason is it that we don't but
to be fear like?

Speaker 4 (11:59):
Does anyone when we talk about money?

Speaker 2 (12:02):
No, I mean not.

Speaker 1 (12:04):
It's definitely one of our least talked about things. But
women in particular, we're so bad at it, and that's
why we're doing this. Georgia Burt, thank you so much
for joining me anytime.

Speaker 2 (12:14):
No, it's one and done.

Speaker 4 (12:15):
It was an absolute pleasure.

Speaker 2 (12:18):
Is you trying to do you're trying to do psychism?
Oh god, the pleasure was all mine. That's how I
do it. Oh wait, Oh my god, I had the
time of my life.

Speaker 4 (12:25):
Oh my god, I had the time of my life.

Speaker 2 (12:28):
It's like it's the weirdest thing,
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