behaviour

1. 30 January 2026

   Money matters. Part 1: Does your spending reflect what you value?

   Many people with enough money — often more than enough — struggle to actually spend it on the things they say matter to them. They'd say health matters, but won't pay for the physio. They'd say relati…

2. 20 January 2026

   Making the invisible visible

   “There’s a gap between knowing something intellectually and truly believing it. Visualising your spending, your financial projections, or your mood data can close that gap — making abstract knowledge…

3. 8 March 2018

   Build wealth by being lazy!

   You're lazy sometimes. I know this because you're human. The trick is to use that laziness — or, more charitably, behavioural inertia — as a feature rather than a bug. Set things up once so wealth-bui…

4. 29 December 2017

   Should I contribute more than the “minimum” to KiwiSaver?

   Once you've captured the employer match and the Government contribution, the tangible benefits of putting more into KiwiSaver largely stop. So why does my wife contribute 8% of her income? Behavioural…

5. 28 May 2017

   Weekend reading (27 & 28 May 2017)

   Two articles from the weekend's Your Money section worth reading. Janine Starks on the long-run cost of staying in a default KiwiSaver fund — roughly $600,000 over 40 years for a 25-year-old. And Susa…