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Speaker 1: There are more ways to wealth with chairs ease, save

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Speaker 1: with a great rate, ensure your car with no worries,

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Speaker 1: or join a key. We see this scheme with real choice.

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Speaker 1: It's your wealth, your way. Do more with charees ease.

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Speaker 2: The month was February, the year was twenty twenty. You

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Speaker 2: may remember it. And I got the wide envelope, the

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Speaker 2: wide envelope of doom that you always hear about, but

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Speaker 2: and it actually is a real thing. Yeah, I like

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Speaker 2: to give things a crack. I think that's actually in

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Speaker 2: my nature. The meaning of wealth probably constantly evolves. The

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Speaker 2: older you get, the less it actually becomes about money.

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Speaker 3: Cura Koto. I'm Garth Bray, and we're doing things a

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Speaker 3: little differently on shared lunch for the next few weeks.

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Speaker 3: More than money is about exploring the wealth choices that

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Speaker 3: change us. Let's open up the conversation about what wealth

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Speaker 3: really means beyond investing or hear from some familiar folks

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Speaker 3: and chat about the choices they've made on their wealth journey.

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Speaker 3: And today I'm heading to the home of broadcaster, podcaster

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Speaker 3: and human hashtag Brody Kaine. But first, some important information

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Speaker 3: you always need to consider.

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Speaker 4: The experience is shared in this episode are not advice

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Speaker 4: or a recommendation or opinion by guests to invest or

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Speaker 4: act in the manner they have. An appearance on the

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Speaker 4: series is not an endorsement by Shares is of the

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Speaker 4: views of the presenters or guests. They're not financial experts

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Speaker 4: and their views of their own.

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Speaker 3: Brody Kane, the human Hashtag. You are the one who

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Speaker 3: shares your entire life with us, So thank you for

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Speaker 3: sharing a little bit about I suppose what wealth might mean.

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Speaker 3: Is this a question you ask yourself now and then

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Speaker 3: what is wealth?

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Speaker 2: Well, first of all, thank you that I've never been

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Speaker 2: called the human hashtag, so I will be adding that

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Speaker 2: to the CV. Thank you very much, isn't it. I

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Speaker 2: feel like the meaning of wealth probably constantly evolves, but

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Speaker 2: I feel like the older you get, the less it

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Speaker 2: actually becomes about money, you know. So, and I think

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Speaker 2: that probably for myself and I dare say a lot

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Speaker 2: of people probably here in alt It but also around

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Speaker 2: the world. There was some real home truths to that

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Speaker 2: when the pandemic happened, and you actually everyone was sort

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Speaker 2: of given this forced wake up call in terms of

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Speaker 2: like what is actually important.

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Speaker 3: So you've had quite a journey this year. If I

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Speaker 3: can recap for people who haven't been paying attention, I mean,

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Speaker 3: you're back on TV at a time where a lot

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Speaker 3: of people are off TV, and you've you've bought a house,

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Speaker 3: so you've stepped up the property ladder. You are you

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Speaker 3: really make a go of it this year, aren't you?

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Speaker 2: Yeah? I think it's funny, isn't it. I mean I've

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Speaker 2: been self employed now for four and a half years,

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Speaker 2: and this is the first year that I have felt

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Speaker 2: like a sense of feeling settled in a space, which

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Speaker 2: has meant that, you know, the previous three years have

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Speaker 2: been quite challenging in many ways, but sometimes I think

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Speaker 2: things land nicely for you, and you've worked for that

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Speaker 2: to happen, and so I actually think this year that

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Speaker 2: has that has actually happened. Yeah, my mum and I

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Speaker 2: bought a house. We moved here in January, and I

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Speaker 2: wrote a book around a couple of marathons, I hosted

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Speaker 2: a TV show, and so yeah, it has been It

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Speaker 2: has been a cool year of you know, you work

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Speaker 2: and work hard, and there's so much that you do

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Speaker 2: that is like boring and admin and grafting and hustling

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Speaker 2: that it is nice to see it all sort of

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Speaker 2: come together, because usually when it goes tits up that

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Speaker 2: you know, it all unravels at the same time too,

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Speaker 2: So it's nice if the good things pile up together

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Speaker 2: at the same time as well.

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Speaker 3: You know, least just hope that momentum continues right into

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Speaker 3: twenty twenty five. Though, So if I can try and

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Speaker 3: understand how you got to the place where you were

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Speaker 3: able to do that and do all of those things,

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Speaker 3: I mean, can you talk a bit about a really

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Speaker 3: great financial decision that you have made that's been on

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Speaker 3: that journey.

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Speaker 2: The thing that I'm really grateful for, And it didn't

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Speaker 2: come like just out of like smart planning. When my

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Speaker 2: parents split up, my mum and I bought a house

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Speaker 2: together and went halves in a house and that was

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Speaker 2: in Waikoku Beach, North Canterbury, where I grew up, and

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Speaker 2: so I was able to use kiwisaver and our deposits

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Speaker 2: combined got the house in Waikoku Beach, so that even

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Speaker 2: though it had come through circumstances, like you know, it

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Speaker 2: really did suck that my parents had broken up, but

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Speaker 2: that was actually really a cool thing for us to

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Speaker 2: be able to do it.

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Speaker 3: Sounds like you've had a setback and then you've bounced

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Speaker 3: right out of that and gone even further ahead. That's

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Speaker 3: pretty remarkable.

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Speaker 2: Yeah, well, I think, yeah, at the time, you certainly

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Speaker 2: don't look at it that way, but I actually think,

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Speaker 2: I don't think you'd want to make a habit of

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Speaker 2: capitalizing post bad things happening, but if you're able to

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Speaker 2: do it, sure. And then I moved back down to

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Speaker 2: christ Church, and so I took a job in christ

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Speaker 2: Church on the radio, and was able to use the

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Speaker 2: equity from the Wakucku house to buy a house in

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Speaker 2: christ Church. And so then I had did I owned

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Speaker 2: two houses. I was like a mogul, you know, and

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Speaker 2: had this great job in radio and had like a

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Speaker 2: like a seven hundred thousand dollars mortgage. But that was

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Speaker 2: all good. And then I March February. The month was February,

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Speaker 2: the year was twenty twenty, you may remember it. And

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Speaker 2: I got the white envelope, the wide envelope of doom

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Speaker 2: that you always hear about but and it actually is

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Speaker 2: a real thing. So I got made redundant right before COVID.

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Speaker 2: And then you go from a good salary to nothing.

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Speaker 2: I decided that it was going to be the time

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Speaker 2: that I'd give a crack to becoming self employed and like,

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Speaker 2: I guess be the architect of my own success. But

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Speaker 2: you know that's hard, and so I definitely could not

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Speaker 2: afford to have a seven hundred thousand dollars mortgage while

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Speaker 2: I was trying to figure out what if anything, was

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Speaker 2: gonna happen as a self employed girly. And then so

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Speaker 2: I put tenants in the house in christ Church so

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Speaker 2: that that could cover that side of the mortgage, moved

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Speaker 2: out to Waikoku with Mum lived there and that was awesome.

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Speaker 2: Then I realized we're fast forwarded to like ended twenty

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Speaker 2: twenty one, started twenty twenty two. I was like, I

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Speaker 2: need to be back up in Auckland. That's where all

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Speaker 2: the opportunities are, That's where the networking is, That's where

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Speaker 2: I need to immerse myself in the hustle. And then

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Speaker 2: it was like, right, well, I'm gonna I'm gonna sell

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Speaker 2: my christ Church pad with the aim of buying like

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Speaker 2: a little apartment up here. And then Mum and I

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Speaker 2: again things either happened from bad things and then often

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Speaker 2: other smart decisions happen out of a joke. She was like,

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Speaker 2: I was like, oh, I'm gonna buy a little apartment

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Speaker 2: and stuff, and she was like, oh, I could move

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Speaker 2: to Auckland, I could move to the big Smoke. Well

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Speaker 2: fast forward about eighteen months and here we are, and

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Speaker 2: she just decided that actually because neither of her kids

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Speaker 2: were in christ Church. My brother's in Marsden. No if

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Speaker 2: it's to Marsiden, but it's a little bit in land,

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Speaker 2: and she's a real beach lady. So yeah, she came

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Speaker 2: up here. We bought a house, so we sold two

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Speaker 2: houses to be able to scrape together for one and

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Speaker 2: Pamuki Bakodo And I'm really like, I'm very grateful, and

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Speaker 2: really I feel really lucky that I can do that

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Speaker 2: with her. And so it's also made me real passionate

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Speaker 2: about the benefits of co ownership, which I think we're

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Speaker 2: seeing a lot more Kiwis do because how else he's

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Speaker 2: supposed to do otherwise.

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Speaker 3: That was the theme of the TV show that you've

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Speaker 3: just done right on the latter, and so you would

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Speaker 3: have met a lot of people in those circumstances, I'm

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Speaker 3: sure stepped into their lives like broadcasters and TV people do.

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Speaker 3: Did you get a sense about how comfy people are

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Speaker 3: taking that step and why they're doing it. What wealth

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Speaker 3: means to them.

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Speaker 2: Well, that is that is the cool thing, right because

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Speaker 2: I think, you know, wealth, I think to more people

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Speaker 2: than not means something means nothing really superficial, right, it's

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Speaker 2: you know, for me, it's the health and it's kind

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Speaker 2: of cliche, but it's actually legitimately true. If your nearest

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Speaker 2: and dearest are okay and safe and happy and healthy,

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Speaker 2: and your friends are what actually you know? Like, yes, Garth,

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Speaker 2: I would love a house on the beach. I love it,

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Speaker 2: But does my life? Will my life be okay without it? Yes?

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Speaker 2: I do get annoyed though when you see all those

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Speaker 2: beach houses and the curtains are pulled half the year.

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Speaker 2: I don't think people should be allowed those anyway. That's around. Yeah,

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Speaker 2: give it to me, but no, Like so you're so,

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Speaker 2: you're what's important to you is all the people in

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Speaker 2: your world and actually your own health because you need

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Speaker 2: to be firing on all cylinders to be able to

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Speaker 2: offer the best to your nearest and dearest as well.

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Speaker 2: So what I love to see but watching on that

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Speaker 2: show is that you've got these amazing people that are

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Speaker 2: just trying to think about ways to secure their future.

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Speaker 2: And I think that's probably another thing that we're all

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Speaker 2: kind of thinking about, like what does that look like?

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Speaker 2: What is what is secure in your future mean? And

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Speaker 2: it's just I guess, you know, if something happened to

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Speaker 2: if something happened to me, I'd want to know that

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Speaker 2: my parents and my brother and his family and the

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Speaker 2: wiafana faro are okay. And I'd like to think that

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Speaker 2: that was reciprocal. So that's I guess that's what means

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Speaker 2: a lot, is that you're sort of taking some steps

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Speaker 2: to secure the future and whatever happens that way. So

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Speaker 2: it was cool to see that with these friends and

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Speaker 2: families that were doing on the show as well.

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Speaker 3: Property still seems to be such a way that New

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Speaker 3: Zealanders do that, like it's a thing that they understand

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Speaker 3: a house you need to live somewhere as a house.

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Speaker 3: But I guess it does. It's not the only way

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Speaker 3: you can do things, right. What do you think puts

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Speaker 3: people off looking at other options?

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Speaker 2: It's funny, isn't it? Because I mean I feel like

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Speaker 2: only probably up until recently, like I'm talking sort of

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Speaker 2: five ten years, everyone looked at like other forms of

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Speaker 2: investing is like you know, you just saw like wall streets,

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Speaker 2: men in suits, stock market crashes, you know, all of

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Speaker 2: that stuff, and it just looked inaccessible and hard to understand.

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Speaker 2: So I so, you know, that's kind of another viable

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Speaker 2: way to do it. But it's only just more recently

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Speaker 2: that there's more education around the merits of doing that.

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Speaker 2: Because I'm thirty eight, single woman, and so I am

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Speaker 2: I have to be in charge of making sure that

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Speaker 2: I can secure a future for myself if I'm going

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Speaker 2: to be doing it on my own. And that's not

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Speaker 2: a cue to get the violin out either, like I'm

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Speaker 2: stoked to be an independent woman, but you do you

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Speaker 2: have to take all these steps to make sure that

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Speaker 2: you've crossed your t's, dotted your eyes and so that

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Speaker 2: I can go and be one of those fabulous ladies

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Speaker 2: you know, with a gin at midday at Ryman and

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Speaker 2: be like Ladida, you know, tennis at two and crochet

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Speaker 2: it for and then you know, then go at seven and.

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Speaker 3: Sounds like a good life. I'm picturing it now. You know,

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Speaker 3: you can practice that a lot of people talk about

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Speaker 3: what they like to do. From what I can see,

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Speaker 3: you actually get out and do it. What's the difference.

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Speaker 3: How do you make things happen?

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Speaker 2: Yeah? I like to give things a crack. I think

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Speaker 2: that's actually in my nature. And I don't think like people.

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Speaker 2: You know, when you get that cliche question like do

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Speaker 2: you have any regrets, I'm like, I don't think so,

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Speaker 2: because I'm not scared of when something goes wrong. I'm

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Speaker 2: not scared of. I don't mind the word failure either,

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Speaker 2: like a co ownership, let's say co ownership. I think

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Speaker 2: a lot of people when they think about buying a

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Speaker 2: property are like life sentence, you know what I mean.

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Speaker 2: They're like, oh my god, I've got a mortgage. Life

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Speaker 2: is over. That's not it's actually not. It is still

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Speaker 2: really stressful when something doesn't quite go to plan. And

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Speaker 2: buying house is a massive deal and it's huge and

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Speaker 2: it's a massive financial undertaking, but it's not a life sentence.

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Speaker 2: You know, it will be okay. If you have to say,

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Speaker 2: you know, shit hits the fan, excuse me if the

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Speaker 2: proverbial hits the fan. You know, there are ways to

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Speaker 2: work through things. Well.

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Speaker 3: You can lock in the idea that you're not good

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Speaker 3: at something, or you won't give it a go, And

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Speaker 3: I guess that's the other habit you could develop. Anyone

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Speaker 3: could of just turning things down and saying no and

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Speaker 3: staying cautious, and that then becomes a habit, right, But

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Speaker 3: it's a habit that's probably gonna limit you.

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Speaker 2: Yeah, I think you plate of your strengths, own your weaknesses,

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Speaker 2: but also dabble in the middle too as well. Like

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Speaker 2: I think, I think every adult should have something that

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Speaker 2: pushes them out of their comfort zone. It's not necessarily

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Speaker 2: a space you want to sit all the time, but

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Speaker 2: I feel like if you have something and I'm not like, yes,

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Speaker 2: called mine's marathons and ultra marathons and stuff, but if

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Speaker 2: every adult has something that just challenges them every once

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Speaker 2: in a while, it actually makes makes you a better

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Speaker 2: person to be able to handle the other things in

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Speaker 2: your life. So that's another good way to sort of

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Speaker 2: figure out and navigate yourself. Because yes, we do like

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Speaker 2: to do the things that we're good at and that

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Speaker 2: we want to make life as easy as possible for ourselves,

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Speaker 2: but it is good to have things that challenge you

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Speaker 2: and hurt and sort of like play with you mentally

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Speaker 2: so that you can tackle all the other things. So

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Speaker 2: that that's a huge part for me is doing that long, stupidly.

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Speaker 3: Long, running, amazing answer twenty twenty five. It's the year

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Speaker 3: ahead of us at this point, and people are sitting

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Speaker 3: there in summer time thinking what am I going to

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Speaker 3: do differently? Now? Do you have a New Year's resolutions person?

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Speaker 3: Do you sort of set yourself a little targets this

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Speaker 3: time of the year and go, I'm going to have

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Speaker 3: a crack at that.

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Speaker 2: I don't necessarily know that if I think that they're

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Speaker 2: New Year's resolutions as such, but more things that I'd

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Speaker 2: like to do better. So this time last year, I

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Speaker 2: was so deep in the bowl of burnout. It was

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Speaker 2: an awful, awful feeling. I had a couple of minor

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Speaker 2: health scares, which thankfully just remain those scares, and so

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Speaker 2: that sort of taught me that I had been burning

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Speaker 2: the candle at both ends. And so a couple of

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Speaker 2: my ones from this year were you need to learn

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Speaker 2: to say no more, You need to be protecting and

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Speaker 2: valuing your time and stop and smell the roses. Do

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Speaker 2: you know what, I'll probably use the Christmas time like

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Speaker 2: to use a couple of like decent solid days lying

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Speaker 2: on the beach workshopping with your mates, you know, like

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Speaker 2: sitting around. You got a chicken sandwich, You've got a

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Speaker 2: couple of siders or beers, and you're just you've had

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Speaker 2: a couple of days enough to like decompress, and then

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Speaker 2: you start sort of brainstorming with your mates. I think

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Speaker 2: you should also reflect on what you've achieved the year before,

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Speaker 2: so I would like to actually do a little bit

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Speaker 2: of that before I worry about that. The other thing

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Speaker 2: that's I'm still being used to being self employed is

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Speaker 2: I actually don't really know what's on. I've got a

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Speaker 2: couple of gigs locked in already, but you know, at

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Speaker 2: the start of this year, I didn't I knew that

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Speaker 2: I would be a published author, but I didn't know

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Speaker 2: that I was going to host a TV show. I

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Speaker 2: didn't know that I was going to sign a commercial

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Speaker 2: partnership with the podcasts. There's lots of Most of the

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Speaker 2: things I did, I didn't know exactly that i'd be.

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Speaker 3: Doing, you know, makes it hard to plan.

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Speaker 2: Yeah, it's kind of fun and it's a little bit terrifying,

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Speaker 2: but you just got to sort of back yourself.

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Speaker 3: Or imagine I'm one of those mates there maybe I've

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Speaker 3: got the chicken sandwich or the cider. Imagine I'm one

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Speaker 3: of those mates there with you. What are you going

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Speaker 3: to set me a challenge? A You're you going to say, gaff,

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Speaker 3: be better at this. Try have a crack at that, mate,

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Speaker 3: give this a go.

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Speaker 2: Okay, well, I would actually challenge people my ones from

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Speaker 2: last year, which are be protective of your time. Remind

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Speaker 2: yourself that most people put everyone else before them, and

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Speaker 2: you can do that to a degree, But if you

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Speaker 2: have not focused on your own health and getting yourself

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Speaker 2: into a sort of a good head space, you actually

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Speaker 2: aren't that much help help to the other people, and

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Speaker 2: stop and smile the roses. We just we go day

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Speaker 2: to day. We're here, there, we're everywhere where. We've got

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Speaker 2: to go to the next appointment. We've got to pick

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Speaker 2: the kids up, we've got to drop we've got to

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Speaker 2: do that. We've got to do that that stop. Have

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Speaker 2: a moment and everyone should take Everyone should put something

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Speaker 2: in their diary that is them time only them. They

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Speaker 2: put it in the diary, like actually put it in

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Speaker 2: the calendar, Like all my things like running and walking

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Speaker 2: or the beach or anything, they are in the calendar.

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Speaker 2: So they're not negotiable. So when someone rings and says,

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Speaker 2: am I available for that, I'm like no, sorry, I'm

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Speaker 2: not protective of your time and saying no. That's about

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Speaker 2: ten things. But they're nice little ones. They're achievable. They're

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Speaker 2: all achievable.

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Speaker 3: Brody Kane, thank you for saying yes to talking to us.

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Speaker 2: Oh there was a classic one. I was like, oh,

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Speaker 2: it's Garth. I can't say no to Gath. He's an

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Speaker 2: old mate.

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Speaker 3: And thanks to all of you as well for watching

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Speaker 3: and for listening. If you're watching, you're probably watching on YouTube.

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Speaker 3: If you're listening, you beyond Spotify, Apple, wherever you get

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Speaker 3: your podcasts. If you like what you're seeing and hearing,

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Speaker 3: hey great, let us know and let us know what

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Speaker 3: you'd like to hear and see next. For us, that's done.

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Speaker 4: Quimitu More than Money is a series about the wealth

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Speaker 4: choices that change us as Chareseys grows. We want to

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