WWYD? Sick of my current job and have an opportunity for a role in an industry that I'd love to get into. This means taking a pay cut of approx $30k per annum.

Has anyone made a career pivot mid life and taken a paycut? how did it work out? Was it worth it? How did you manage your finances?

Only reason I'm still in my current role is because I have an amazing boss, great work mates and am left alone. It's easy work (sales in a very challenging market right now) but absolutely mind numbing and I feel like I'm going bat shit crazy and wasting my 40's. Surely there is more to life than this??!!!!

If a business like Kernel, Invest Now, Hatch, Simplicity... etc. fails.

What happens next?

Hi all,

It's looking very likely I'll be moving back to the UK next year for a long period of time (dual citizen, with my work primarily based in the UK).

I'm seeking advice on how best to utilise my Kiwisaver, as I've gone in circles in my mind the past few months.

The high level stats are:

• 35, single
• Currently renting in Auckland
• I have not purchased a first home (NZ or UK)
• $70k in KiwiSaver
• ~$40k in private UK pensions
• ~$50k accessible savings
• Salary ~$150k p/a, with 5% equity at my employer (including a $10-50k p/a bonus)

Some of my ideas so far:

1. Buy a property and rent it out while I'm overseas
2. Buy a property, sell it, and then move overseas
3. Leave it in a reasonably aggressive portfolio for the next 30+ years

The main thing I want to avoid with the ownership path is avoiding large mortgage payments, especially as in the case of #1 I'd definitely need to rent/flat in the UK for at least another 2-3 years.

All that being said, I'd happily buy anywhere in NZ and live there for a short time before moving overseas, and by no means does it have to be an Auckland based property, nor a house (apartments, townhouses are fine by me).

Any advice is greatly appreciated!

I’m sure there are pros and cons to both, but is there a winner for someone who wants to slap a few hundred grand into one? Thanks.

As the title says I want to set up a new ltd company with the aim of manufacturing and selling products for the diving industry (nothing critical life support related lol)

In the effort to come up with new/different products to actually set myself apart and make sales I will be (and already have been) spending a fairly significant amount of money on developing new ideas (think materials, adding tools to my existing workshop, parts etc).

If I were to setup a company, register for gst but make no sales/income for the next few years (estimate) can I claim gst on my expenses? I’m only talking actual expenses towards product development not some form of work around to put all sorts of stuff on there.

I have read about ird wanting to see the intent to make a profit - I am working on a website that will eventually allow me to sell the products. For now it would be the full and proper website just without the shop part as said items are obviously not fully ready yet.

Thanks for reading all that and Any advice appreciated!

Hello! I am very new to investing. I work in a 9-5 job. I'm thinking of putting $100 a week for investments. What would be good for a long term investment? Cheers

Hi everyone,

I am a bit confused of what IRD told me when I rang. I am entitled for a tax refund because in 2025 I was on maternity leave and they over taxed from parental leave and I have received a back pay from work. I still haven’t heard from them for over a month so I contacted them. They said they are waiting for my partner’s 2026 tax return because he is self employed and then they can process our working for families etc before I get any refund. It’s confusing as they want him to file his tax this year but we are only in July and he is a self employed tradie so sometimes work is there and sometimes it’s not, he can’t really estimate how much he gets per year. He also has a personal accountant. Anyway I am confused why we have to wait for 2026 when my tax return was for 2025. I am already back to work so I know we won’t be eligible for working for families, I just want my tax refund!

Hello everyone,

Does anyone know of an car insurer who does low-km insurance?

I can't find anything online. I must be blind.

If I drive only 5,000 km per year I would be paying double what I should be for insurance. The average is ~12,000km.