WEBVTT -  'It all came crashing down' - Patrick Gower | More Than Money

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<v Speaker 1>There are more ways to wealth with chairs, eas save

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<v Speaker 1>with a great rate, ensure your car with no worries.

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<v Speaker 1>We'll join the key. We see this scheme with real choice.

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<v Speaker 1>It's your wealth, your way. Do more with chare ease.

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<v Speaker 2>I was someone who never really had a lot of

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<v Speaker 2>control over my finances going back right to the beginning,

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<v Speaker 2>you know, and I'd never really thought too much about

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<v Speaker 2>about wealth, and that all came crashing down on February

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<v Speaker 2>this year. I can tell you that Kiwis are craving

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<v Speaker 2>a form of connection out there. I think we're feeling very,

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<v Speaker 2>very disconnected as a country.

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<v Speaker 3>But it's fixable, Koto.

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<v Speaker 4>I'm Garth Bray and we're doing things a little differently

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<v Speaker 4>on Shared Lunch for the next few weeks. More than

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<v Speaker 4>money is about exploring the wealth choices that change us.

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<v Speaker 4>Let's open up the conversation about what wealth really means

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<v Speaker 4>beyond investing. We'll hear from some famili you folks and

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<v Speaker 4>chat about the choices they've made on their wealth journey.

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<v Speaker 4>Today we're speaking to someone who needs almost no introduction,

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<v Speaker 4>Patty Gower. But first some important information you always need

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<v Speaker 4>to consider.

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<v Speaker 5>The experience is shared in this episode. Are not advice

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<v Speaker 5>or a recommendation or opinion by guests to invest or

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<v Speaker 5>act in the manner they have. An appearance on the

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<v Speaker 5>series is not an endorsement by Shares is of the

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<v Speaker 5>views of the presenters or guests. They're not financial experts

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<v Speaker 5>and their views of their own.

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<v Speaker 4>The Inimitable Patrick Gower as ends it on. He said

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<v Speaker 4>in its press release just last week when they said, congratulations,

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<v Speaker 4>you've still got issues.

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<v Speaker 3>Yeah, that's right.

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<v Speaker 2>So that took some exciting news for next year that

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<v Speaker 2>Patty Gower has issues, will be coming back from the crypt,

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<v Speaker 2>open the Crypt, I guess and back out. But yeah,

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<v Speaker 2>some amazing news. But I still don't really know what

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<v Speaker 2>Inimitable means, but I think it means sort of out there.

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<v Speaker 4>Yeah, and look, you've just come off tour as well.

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<v Speaker 4>By the time people see this, you'll be having a break.

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<v Speaker 4>But fourteen towns, yeah, three weeks.

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<v Speaker 2>It's something I never thought i'd be doing, gath. You know,

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<v Speaker 2>I started my career as a as a newspaper journalist,

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<v Speaker 2>you know, twenty five years ago, and I didn't have

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<v Speaker 2>big visions of going into TV or anything. So yeah,

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<v Speaker 2>I've done fourteen stage shows from Rocky euro Stuart Island

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<v Speaker 2>all the way up to White Tangy, going through all

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<v Speaker 2>of regional New Zealand. And that's why my voice. Listeners

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<v Speaker 2>and viewers might not notice, but my voice is a

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<v Speaker 2>few octavees lower because I've really worked on that larynx.

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<v Speaker 4>I thought you were just making an effort to sound

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<v Speaker 4>extra sort of today.

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<v Speaker 3>Yeah. No, it's not my cheesy's sexy voice.

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<v Speaker 2>But it's been amazing to see people, you know, a

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<v Speaker 2>couple of things. Seeing Kiwi's upfront and in their places

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<v Speaker 2>is always cool. But you know, I've never been on

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<v Speaker 2>stage or anything like that. It's got sort of elements

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<v Speaker 2>of stand up comedy to it. It's a performance. This

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<v Speaker 2>is all completely new to me. So it's been a

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<v Speaker 2>massive adventure.

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<v Speaker 4>How was it getting that immediate feedback to something you say,

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<v Speaker 4>which is totally unlike standing in front of a camera,

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<v Speaker 4>even in a studio conducting an election debate, Right, You've

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<v Speaker 4>got people telling you what they think straight away, that's right.

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<v Speaker 2>And I think, you know, I hadn't realized that I'd

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<v Speaker 2>never done you know, amateur theater. I'd never done been

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<v Speaker 2>in a school play, you know, never. I just hadn't

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<v Speaker 2>done this. And of course you will know, but other

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<v Speaker 2>people won't realize. You know, in TV, actually it can

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<v Speaker 2>be a very dead environment. You know, there can be

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<v Speaker 2>a camera and that's it might not even be a

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<v Speaker 2>camera operator these days because some of them are remote.

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<v Speaker 2>So hearing the audience and kind of you can hear

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<v Speaker 2>a pin drop, you can hear a gasp, you can

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<v Speaker 2>hear a laugh, you can hear them raucously laugh is

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<v Speaker 2>something totally different. And I think in what I've been doing,

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<v Speaker 2>it's got elements of stand up comedy, but it's also

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<v Speaker 2>got some heavy stuff about mental health and the way

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<v Speaker 2>that I've dealt with depression, anxiety, anger issues, addiction issues

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<v Speaker 2>when it came to alcohol, And you can feel the

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<v Speaker 2>audience just listening, listening to this intensely personal stuff that

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<v Speaker 2>you're telling them. And despite doing fourteen shows, I know

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<v Speaker 2>the parts that I get to where it gets into

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<v Speaker 2>the heavy content and I always take a sharpened take

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<v Speaker 2>of breath and you feel the audience really kind of

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<v Speaker 2>close in. So it's been an amazing feeling really, so.

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<v Speaker 4>A lot of you sharing what are you getting back

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<v Speaker 4>from that? What are you hearing from people? That shapes

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<v Speaker 4>this conversation that you're having.

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<v Speaker 2>Yeah, I think a lot of the work that I've

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<v Speaker 2>done this year has been in terms of losing my

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<v Speaker 2>job at newshap and then pivoting. You know, I've got

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<v Speaker 2>a book out This is There for News, and that's

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<v Speaker 2>got a lot in it about the way that I

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<v Speaker 2>got through my mental health and addiction struggles, and I've

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<v Speaker 2>basically taken that on the road and made it into

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<v Speaker 2>a performance that's got a whole lot of funny jokes

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<v Speaker 2>in it. You know, everyone's laughing. But I leave behind

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<v Speaker 2>four lessons that are also in my book, and they're

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<v Speaker 2>really around connection and our need as humans to connect

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<v Speaker 2>and how if we're in trouble we should try to connect.

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<v Speaker 2>That's around the second one is optimism, living a life

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<v Speaker 2>that is more optimistic when you're confronted by a whole

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<v Speaker 2>lot of bad stuff. The third thing that I talk

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<v Speaker 2>to people about and is in my book as well,

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<v Speaker 2>is around purpose, finding purpose in what you do and

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<v Speaker 2>working with purpose, and potentially for a lot of people

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<v Speaker 2>my age, rediscovering your purpose and your work or when

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<v Speaker 2>you're parenting or living your life. And then the fourth

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<v Speaker 2>thing that I talk to people about and I've written

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<v Speaker 2>about in the book is change be prepared to change yourself,

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<v Speaker 2>you know, and that could be when you're pivoting because

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<v Speaker 2>of what's happened to you and I this year. You know,

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<v Speaker 2>we've both been made redundant and we've had to pivot,

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<v Speaker 2>or it could be a bigger change.

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<v Speaker 3>In your life.

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<v Speaker 2>For me, it was giving up alcohol, you know, now

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<v Speaker 2>over one thousand days sober on December twenty eighth. The

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<v Speaker 2>same of the ad thank you for thank you for

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<v Speaker 2>the clap means a lot, you know. And for me,

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<v Speaker 2>you know, I found after using those things that I

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<v Speaker 2>was able to change and get rid of something in

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<v Speaker 2>my life that that, you know, that was holding me.

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<v Speaker 3>Back, which was drinking. So that's what I've been going

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<v Speaker 3>around the country doing.

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<v Speaker 2>So it's it's it's really rewarding to pass those messages on.

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<v Speaker 2>And in terms of what people are hearing, I just

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<v Speaker 2>can tell that Kiwi's are craving connection. They go so

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<v Speaker 2>quiet when I talk about these things. They listen so intently.

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<v Speaker 2>It doesn't matter whether you're an invocagol warnaka all the

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<v Speaker 2>way up here in Hamilton, Palmi, New Plymouth, different audiences,

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<v Speaker 2>different people every time. But I can tell you that

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<v Speaker 2>Kiwis are craving a form of connection out there. I

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<v Speaker 2>think we're feeling very very disconnected as a country.

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<v Speaker 4>Weirdly, we've never been more connected there, I know. I

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<v Speaker 4>know Watra, fast, fiber optic, cave, all the social media,

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<v Speaker 4>all the reasons, all the ways that people can can

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<v Speaker 4>link up and link and whatever they're doing. Right, Yes,

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<v Speaker 4>how that's not just not cutting the muster of that.

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<v Speaker 3>That's right.

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<v Speaker 2>That's right, And there's something going on out there because

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<v Speaker 2>I know what happens when I talk about it and

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<v Speaker 2>the audience goes very quiet. I know what happens when

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<v Speaker 2>they come up to me afterwards when I'm signing my books.

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<v Speaker 2>I know what they say to me, I know what

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<v Speaker 2>they message me afterwards. And they are all craving connection.

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<v Speaker 2>They feel disconnected. They want to look at simple things

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<v Speaker 2>that they can do to improve their lives because everyone

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<v Speaker 2>is feeling that little bit unsatisfied and unhappy and just

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<v Speaker 2>not quite where they want to be. And I think

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<v Speaker 2>there's a strong sense of that out in New Zealand.

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<v Speaker 2>What I would say about it is, I don't think

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<v Speaker 2>it's not something that we need to we need to

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<v Speaker 2>worry about it, but it's fixable. You know, there are

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<v Speaker 2>just there are ways of doing things. And I know

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<v Speaker 2>I talk about my own ditching alcohol. I say to

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<v Speaker 2>people could be as simple as going for a walk

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<v Speaker 2>with your partner without your phone. You know, these are

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<v Speaker 2>the little things that we can do to improve our

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<v Speaker 2>connection and improve our lives. So, you know, if anything

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<v Speaker 2>it is, yeah, we've got a problem there, but it

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<v Speaker 2>is something that is fixable through our own actions.

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<v Speaker 4>They say great wealth can be made through finding a

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<v Speaker 4>problem and fixing it. You've sort of found a way

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<v Speaker 4>to convert the problem into a solution for you and

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<v Speaker 4>a solution for a lot of other people too, hopefully.

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<v Speaker 3>Yeah.

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<v Speaker 2>Yeah, And I mean, you know, part of it is

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<v Speaker 2>I'm now you know it's going to sound random, but

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<v Speaker 2>I'm now running a business. You know, I'm not an

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<v Speaker 2>employee of anyone anymore. I'm contracted to stuff and that's

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<v Speaker 2>my main place. But it's through a company called Believer

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<v Speaker 2>Believer Media, and through that I'm going to run my

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<v Speaker 2>tour and I'm selling the book and all of these

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<v Speaker 2>other things. And I've got to kind of basically make

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<v Speaker 2>money in this business so that I can do the

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<v Speaker 2>kinds of things that I want to do, which I

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<v Speaker 2>connect with Kiwis through through journalism and through my performance

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<v Speaker 2>and through my work. So I've kind of really, you know,

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<v Speaker 2>I just never thought i'd be doing this sort of

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<v Speaker 2>thing where I'm kind of like trying. You know, I've

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<v Speaker 2>got to I've got to watch my pennies. I've got

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<v Speaker 2>to see what everything costs. I've got to make sure

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<v Speaker 2>that I'm bringing in enough to keep going to keep

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<v Speaker 2>doing what I'm doing.

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<v Speaker 3>You know.

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<v Speaker 2>I mean, I'm forty seven years old and i'd been

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<v Speaker 2>in a job since the day that I left university.

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<v Speaker 2>I had been in a journalistic job in some way

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<v Speaker 2>or the other.

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<v Speaker 3>Yeah. Yeah, And you.

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<v Speaker 4>Know, you suddenly have to think about a huge range

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<v Speaker 4>of things that you just took for granted, that someone

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<v Speaker 4>else ordered, that someone else paid for it. Keep track

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<v Speaker 4>of totally those responsibilities. Really, if you don't do it now,

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<v Speaker 4>it doesn't happen.

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<v Speaker 3>It doesn't happen.

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<v Speaker 2>And it's really important if you're in a business and

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<v Speaker 2>you've got to you've got to make money to spive.

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<v Speaker 2>You can't misappointments, you can't not put that through. You

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<v Speaker 2>can't do this all of these little things. No one

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<v Speaker 2>is going to come and clean up after you. You know,

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<v Speaker 2>you need to do it if you want to make

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<v Speaker 2>more money.

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<v Speaker 4>It sounds like a tremendous about a pressure to put

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<v Speaker 4>on your seat. It's coming out of this, yeah, relationship

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<v Speaker 4>with employment.

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<v Speaker 3>Yeah, that's right.

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<v Speaker 2>And I think you know the thing about coming out

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<v Speaker 2>of a long relationship with employment is when it first happens,

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<v Speaker 2>it just seems so big, you know. So when Newshub

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<v Speaker 2>shut down just up the road here and it wasn't

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<v Speaker 2>that long ago, and on the day, it just felt

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<v Speaker 2>to me like this massive problem. All my friends are

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<v Speaker 2>losing their jobs. What's happening with the industry? Where do

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<v Speaker 2>I go? What does this mean? It just felt like

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<v Speaker 2>everything in front of me was blocked out by this

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<v Speaker 2>huge thing called newsub kind of closure. And with time

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<v Speaker 2>that becomes smaller and you can see it for what

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<v Speaker 2>it is and look to get find ways around it.

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<v Speaker 3>But you know, in that immediate beginning.

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<v Speaker 2>It's just this big kind of thing that's right in

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<v Speaker 2>front of your face and you've got this big problem.

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<v Speaker 2>But you know, my advice to people in that situation

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<v Speaker 2>there's a lot of us who are losing our jobs,

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<v Speaker 2>right is yes, it's going to seem big on day one.

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<v Speaker 3>On day two, on day three.

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<v Speaker 2>But with time, you're going to see it as something

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<v Speaker 2>smaller and you're going to be able to find ways

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<v Speaker 2>around it. You have to be paid, and then you

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<v Speaker 2>have to look for the ways to get around this

0:11:02.800 --> 0:11:05.440
<v Speaker 2>big problem that's come into your life. And for me,

0:11:05.720 --> 0:11:09.480
<v Speaker 2>that has been turning myself into a business as random

0:11:09.520 --> 0:11:12.840
<v Speaker 2>as that's as that sounds, monetizing a lot of the

0:11:12.840 --> 0:11:17.480
<v Speaker 2>things that I do and being creative with it. You know,

0:11:18.200 --> 0:11:22.600
<v Speaker 2>doing a tour of New Zealand fourteen centers is creative, Like,

0:11:22.640 --> 0:11:25.080
<v Speaker 2>there is no question, Like I cannot believe that it's

0:11:25.120 --> 0:11:27.720
<v Speaker 2>so creative that I sort of have to pinch myself

0:11:27.760 --> 0:11:31.480
<v Speaker 2>that it's just happened because it is just so out being.

0:11:31.679 --> 0:11:33.640
<v Speaker 4>It's probably too soon to work out if it's been

0:11:33.720 --> 0:11:36.120
<v Speaker 4>the biggest and best financial decision you've ever made, go

0:11:36.200 --> 0:11:39.240
<v Speaker 4>on to it. I suspect it's probably part of something bigger. Yeah,

0:11:39.240 --> 0:11:40.600
<v Speaker 4>But if I can ask you to sort of think

0:11:40.600 --> 0:11:42.400
<v Speaker 4>a bit about that and think about wealth and what

0:11:42.440 --> 0:11:47.080
<v Speaker 4>it means to you and a wealth choice that you've

0:11:47.080 --> 0:11:48.720
<v Speaker 4>made in the past that you sort of think, Hey,

0:11:48.800 --> 0:11:50.600
<v Speaker 4>I'd like to share that with people because that worked

0:11:50.600 --> 0:11:50.800
<v Speaker 4>for me.

0:11:51.600 --> 0:11:53.000
<v Speaker 3>Yeah, Yeah, I think.

0:11:54.760 --> 0:11:57.680
<v Speaker 2>You know, I actually did a podcast like this maybe

0:11:57.679 --> 0:12:01.120
<v Speaker 2>about twelve months ago, right of in the similar sort

0:12:01.120 --> 0:12:04.160
<v Speaker 2>of space, and I actually didn't really care that much

0:12:04.200 --> 0:12:06.480
<v Speaker 2>about money in that interview, and I didn't really have

0:12:06.520 --> 0:12:10.800
<v Speaker 2>any good answers around wealth because I had not faced

0:12:10.920 --> 0:12:15.000
<v Speaker 2>insecurity financially right because, you know, I'd had a job,

0:12:15.080 --> 0:12:17.640
<v Speaker 2>and you know, by the time there, I had a

0:12:17.640 --> 0:12:21.559
<v Speaker 2>well paid job, very you know, seemed relatively stable. It's

0:12:21.600 --> 0:12:24.120
<v Speaker 2>never stable in the media, but it seems stable. And

0:12:24.160 --> 0:12:27.720
<v Speaker 2>I'd never really thought too much about about wealth or

0:12:27.760 --> 0:12:33.559
<v Speaker 2>anything like that, and that all came crashing down on

0:12:33.600 --> 0:12:37.240
<v Speaker 2>February this year because you'd lose everything, you know, you

0:12:37.400 --> 0:12:41.640
<v Speaker 2>lose the security, you lose the monthly paycheck that covers

0:12:41.679 --> 0:12:43.760
<v Speaker 2>all of the mortgage and all of those kinds of things.

0:12:44.200 --> 0:12:48.480
<v Speaker 2>So I think, you know, if anything, the best advice

0:12:48.559 --> 0:12:53.120
<v Speaker 2>that I would have is is always is two things.

0:12:54.440 --> 0:12:57.360
<v Speaker 2>Always in your mind. Know that your job is not

0:12:57.440 --> 0:12:58.960
<v Speaker 2>going to be stable. And I did have that in

0:12:59.000 --> 0:13:00.720
<v Speaker 2>the back of my mind. The day that it happened,

0:13:00.840 --> 0:13:03.160
<v Speaker 2>I was like, I did actually think that this could

0:13:03.200 --> 0:13:05.600
<v Speaker 2>happen one day. I'd minimized it to about a ten

0:13:05.640 --> 0:13:09.200
<v Speaker 2>percent chance, but at least I wasn't shocked, you know.

0:13:10.240 --> 0:13:14.960
<v Speaker 2>And then in terms of that, for me, I was

0:13:15.040 --> 0:13:17.760
<v Speaker 2>someone who never really had a lot of control over

0:13:17.840 --> 0:13:21.320
<v Speaker 2>my finances going back right to the beginning, you know,

0:13:22.240 --> 0:13:26.440
<v Speaker 2>in recent years, combined with all these other things I'm doing,

0:13:26.640 --> 0:13:29.040
<v Speaker 2>I actually started to get a bit more control over

0:13:29.080 --> 0:13:31.600
<v Speaker 2>my finances. And though how much is going to the mortgage,

0:13:31.600 --> 0:13:33.560
<v Speaker 2>how much has been saved, what's in the key we saver,

0:13:34.679 --> 0:13:37.960
<v Speaker 2>how much is there if something goes wrong? All of

0:13:38.000 --> 0:13:42.920
<v Speaker 2>these things, luckily, and a lot of it, this will

0:13:42.960 --> 0:13:45.680
<v Speaker 2>sound random, has had to do with giving up drinking.

0:13:46.000 --> 0:13:46.240
<v Speaker 3>You know.

0:13:47.440 --> 0:13:50.160
<v Speaker 2>That brought a whole element of control into my life,

0:13:50.280 --> 0:13:53.000
<v Speaker 2>including over my finances. So not just the money that

0:13:53.080 --> 0:13:56.280
<v Speaker 2>was getting burnt up against the wall, as they say,

0:13:57.360 --> 0:14:00.160
<v Speaker 2>but in terms of just having much more control all

0:14:00.200 --> 0:14:05.080
<v Speaker 2>over my life, and that included finances. So when things

0:14:05.160 --> 0:14:08.240
<v Speaker 2>went downhill or whatever it's west and downhill, isn't it,

0:14:08.280 --> 0:14:12.199
<v Speaker 2>When things we could put when things we could put

0:14:12.240 --> 0:14:14.960
<v Speaker 2>down the road, at least I had some control and

0:14:15.000 --> 0:14:17.240
<v Speaker 2>an idea of where I was at and how long

0:14:17.280 --> 0:14:19.440
<v Speaker 2>I could go for and how long I could try

0:14:19.480 --> 0:14:22.600
<v Speaker 2>something like a pivot, so I didn't have to panic.

0:14:23.720 --> 0:14:27.000
<v Speaker 2>You know, obviously you do panic. But I didn't have

0:14:27.040 --> 0:14:30.840
<v Speaker 2>to go and take another job right away. I could go, Okay,

0:14:30.960 --> 0:14:33.840
<v Speaker 2>I've got some time to try some things like setting

0:14:33.960 --> 0:14:37.960
<v Speaker 2>up my own business that can make my content, which

0:14:38.000 --> 0:14:40.760
<v Speaker 2>is called Believer Media. And the only reason I could

0:14:40.760 --> 0:14:43.560
<v Speaker 2>do that, this is a long winded explanation, is because

0:14:43.600 --> 0:14:47.720
<v Speaker 2>I had some control over my finances, you know, And

0:14:47.920 --> 0:14:51.120
<v Speaker 2>lots of people at Cheesy's will be like whoa, you know,

0:14:51.960 --> 0:14:55.960
<v Speaker 2>because they've got control because they're investing, but maybe they don't.

0:14:56.160 --> 0:14:59.280
<v Speaker 2>And I think, you know, there's lots of us that

0:14:59.320 --> 0:15:01.600
<v Speaker 2>don't have control all of our finances. And that's something

0:15:01.680 --> 0:15:04.080
<v Speaker 2>that I didn't have for about twenty to twenty five years.

0:15:04.120 --> 0:15:05.960
<v Speaker 2>I do now, and thank Goodness for that.

0:15:06.360 --> 0:15:09.040
<v Speaker 4>So in twenty twenty five, that's your challenge to Kiwis.

0:15:08.680 --> 0:15:11.920
<v Speaker 2>Get in control, Get in control, get in control of yourself,

0:15:12.280 --> 0:15:16.120
<v Speaker 2>and get in control of your finances. And they are interlinked,

0:15:16.320 --> 0:15:20.200
<v Speaker 2>you know, find find ways to you know. My message

0:15:20.200 --> 0:15:23.040
<v Speaker 2>to Kiwis is this, use things to improve your life

0:15:23.080 --> 0:15:27.600
<v Speaker 2>like what I've done. Live more optimistically and get more connection,

0:15:28.520 --> 0:15:31.880
<v Speaker 2>work and live with purpose. Find ways to change things

0:15:31.920 --> 0:15:33.920
<v Speaker 2>that you want to change and that can help you

0:15:33.960 --> 0:15:36.800
<v Speaker 2>bring that control over your life and that includes your finances.

0:15:36.880 --> 0:15:39.000
<v Speaker 3>It really does fantastic.

0:15:39.040 --> 0:15:42.040
<v Speaker 4>Thank you so much, PG, Patty Gower, amazing and thank

0:15:42.080 --> 0:15:44.240
<v Speaker 4>you as well. Thank you for listening. If you're listening,

0:15:44.320 --> 0:15:47.160
<v Speaker 4>you're on Spotify or Apple wherever you get your podcasts.

0:15:47.240 --> 0:15:49.400
<v Speaker 4>If you're watching, you're on YouTube. And if you like

0:15:49.440 --> 0:15:51.280
<v Speaker 4>what you see, let us know and let us know

0:15:51.320 --> 0:15:53.280
<v Speaker 4>what you'd like to see next. That's us for now.

0:15:53.360 --> 0:15:53.720
<v Speaker 3>QUIM with.

0:15:58.960 --> 0:16:01.480
<v Speaker 5>More Than Money is a series about the wealth choices

0:16:01.520 --> 0:16:04.280
<v Speaker 5>that change us as Cheeseys grows. We want to be

0:16:04.280 --> 0:16:06.600
<v Speaker 5>able to provide a space for shared experience that can

0:16:06.600 --> 0:16:09.520
<v Speaker 5>benefit everyone who wants to grow their wealth, whatever path

0:16:09.560 --> 0:16:12.000
<v Speaker 5>it takes. Now, there are more ways to wealth with

0:16:12.160 --> 0:16:15.760
<v Speaker 5>Chazys beyond investing. Log in to see our Ultra Flexible

0:16:15.760 --> 0:16:18.480
<v Speaker 5>Save and pisave accounts, get a quote for cost effective

0:16:18.480 --> 0:16:22.000
<v Speaker 5>cur insurance, or join our Chase's kiwisavi a scheme. There's

0:16:22.040 --> 0:16:25.040
<v Speaker 5>a world of choice so you can build wealth your way.

0:16:25.640 --> 0:16:28.720
<v Speaker 5>Chazey's Investment Management Limited is the issuer of the Chazas

0:16:28.800 --> 0:16:32.120
<v Speaker 5>Kiwisaber scheme. View the Lodge product disclosure statement at dub

0:16:32.160 --> 0:16:35.560
<v Speaker 5>dub dub dot, chezeas dot, mz slash Kiwisaver slash documents,