This is from a leadership conference I ran in 2020. ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a fre...
Feb 10, 2022•27 min•Transcript available on Metacast As a financial adviser in Auckland, I often get asked: how much do I need for retirement in NZ? If you’re looking to retire in New Zealand using term deposits, then the answer’s a lot. But with the right investment strategy, financial advice, and KiwiSaver provider, you can have a comfortable lifestyle in retirement. CHAPTERS: 0:00 Intro 00:12 How much income do you need in NZ? 00:35 Where is that income going to come from? 00:43 Pension rates in NZ 01:35 Best investment strategies for ret...
Feb 08, 2022•5 min•Transcript available on Metacast The best way to save 30% of your income is with these four money saving tips, and despite what you might think, it has nothing to do with a savings account. Here's my go-to on how to save money in NZ: CHAPTERS: 0:00 Intro 0:04 First money saving tip 01:08 Second money saving tip 02:53 Third money saving tip 05:14 Fourth money saving tip ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register...
Feb 06, 2022•7 min•Transcript available on Metacast These 4 Money Traps to avoid in 2022, are less about money as they are about you. CHAPTERS: 0:00 Intro 0:11 First Money Trap 1:31 Second Money Trap 2:48 Third Money Trap 4:26 Fourth Money Trap ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financ...
Feb 03, 2022•6 min•Transcript available on Metacast Could 2022 be the year the markets finally crash? Is your KiwiSaver going to Zero? ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://lin...
Feb 01, 2022•26 min•Ep 246•Transcript available on Metacast Inflation in New Zealand is taking off, is there an end in sight? CHAPTERS: 0:00 Intro 01:00 Why do I have such a strong emotional reaction to this person? 06:27 Do you think the markets have been healthy post-COVID crash? 10:00 Will inflation get under control this year? ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing ...
Jan 30, 2022•26 min•Transcript available on Metacast Quick Fire Finance for the Day: "Here’s the thing. How on earth do you know the difference between investing and gambling? For the life of me, I cannot tell the difference. Bank deposits return almost nothing, so they are not much of an investment. You may as well hide your money in the rose garden. No taxes, no fees. Take a risk for a better return, and you’re a gambler, surely. There’s plenty of choice — take a punt on art, classic cars, Bitcoin, number plates, rental property, alpacas, phone ...
Jan 27, 2022•12 min•Transcript available on Metacast Quick Fire Finance Question of the Day: "I am just about to finish your book A Richer You , and I wanted to ask for some advice. I love investing and at 20 years old I have a total of $20,000 across a Vanguard S&P 500 ETF and a smaller amount in New Zealand in the top 50 Smartshares fund. What else can I do to get more financially ahead in my twenties? Maybe what you would have done if you could go back to the start of your twenties? P.S I already have my KiwiSaver in a low-fee growth fund :...
Jan 25, 2022•28 min•Ep 243•Transcript available on Metacast New legislation has recently come into force, that is having a huge impact on first home buyers, and existing property owners. The Credit Contracts and Consumer Finance Act, or CCCFA for short, isn't a new concept, but the changes are. The biggest change is that lenders now need to assess your income, and spending habits, to decide if you can fund your mortgage, both now, as well as in the future. CHAPTERS: 01:29 What is the purpose of the new CCCFA changes? 02:33 What does the CCCFA have to do ...
Jan 23, 2022•17 min•Ep 242•Transcript available on Metacast Quick Fire Finance of the Day: “You always say to look at KiwiSaver fees[Mary Holms] and I’ve never been that bothered before. But seeing in recent columns how high the fees can get with a bigger balance has been eye opening. I’ve just checked my fund and there’s a 1 per cent base fee and 0.95 per cent performance fee. At a balance of $45,000 I’m ok with those fees right now, as the fund has performed well, but I’ll keep a closer eye on that in the years to come. Thanks for highlighting this for...
Jan 20, 2022•24 min•Transcript available on Metacast Quick Fire Finance of the Day: "I am over 65. I have continued my KiwiSaver account in ANZ’s Balanced Growth fund. I have placed nearly $150,000 in it. During the last two or three months it is not showing any growth. My intention is to grow the money and not use it for income as I have other sources of income currently. Where should I invest so that there is good growth and my money is safe, and also I can take out whatever I need without a penalty?" Source: https://maryholm.com/nz-herald-11-de...
Jan 18, 2022•19 min•Transcript available on Metacast So, over the holidays I wrote a book, a children's book which started out being a children's book, but then sort of turned into a morbid teenager's book, and I don't even know why I wrote it in the end. But there's a message in there, and I think it's applicable during these times of uncertainty and our tendency to project as humans. So, I thought I'd share it with you. It's a draft. Let me know what you think. The Only Yellow, in a World Full of Blue By Ryan J Melton. ► BOOK A FREE CONSULTATION...
Jan 16, 2022•13 min•Transcript available on Metacast Quick Fire Finance Question of the Day: "We are fortunate to have paid off our mortgage and have no debt. We have switched the full amount of mortgage payments into an investment fund. I’m wondering if it might be smarter to instead borrow to buy a rental property, and hopefully earn capital gains on. The investment fund only earns returns on what we put in, but an investment property might earn capital gains on the full amount. If the rent could cover most of the mortgage interest, and we kept ...
Jan 13, 2022•28 min•Ep 238•Transcript available on Metacast Quick Fire Finance Question of the Day: "Hey guys, Love the content you've been producing. Haven't heard any discussion about Central banks yet but that's probably a dry topic for most. However, considering they're the biggest player in markets right now and subject to a lot of controversy, it'd be really interesting to get your take on them and what their impacts are for society. Some questions i had were: -Is it debatable that they exacerbate wealth inequality by pushing up asset prices consid...
Jan 11, 2022•21 min•Transcript available on Metacast In this episode, I speak on the pros and cons of New Zealand's favourite investment vehicles for retirement. RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a free copy of my book '...
Jan 09, 2022•17 min•Transcript available on Metacast If the market is about to collapse what can you do? RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Sub...
Jan 06, 2022•13 min•Transcript available on Metacast "Ryan talks to Debra about how to retire in style, without stress: How to ‘retread’ instead of retire i.e finding interests outside of work. Structuring your finances in a way that means you’re not dependent on the income of your business and can do the things you want in retirement. Protecting your family i.e estate planning, relationship property. Plus he shares why he's Ryan 'J' Melton, some of his big accomplishments professionally & personally, how he approaches sales & the use of s...
Jan 04, 2022•25 min•Transcript available on Metacast It's easy to look at someone's success and think it's not possible for you. That everything came easy. That there's no way you could get there because your challenges are unique. People don't understand how hard it is for you. There could be some truth to that, but the reality is, if you want something bad enough, and you put in the consistent work, then it could very well become possible. You can have the life you want. You just need to be daring enough to try. I recorded this episode with a lo...
Jan 02, 2022•1 hr 10 min•Transcript available on Metacast Don't run the risk of being one dimensional, sometimes you need to be cruel to be kind.
Dec 30, 2021•15 min•Ep 232•Transcript available on Metacast As humans it's so easy to get caught up in the crowd. Whether it's the German public acting as informants for the Nazi's, the 900 odd who committed suicide in Jonestown or the average joe walking past a tragedy without feeling the need to help. As much as we like to think of ourselves as wolves (not sheep) in reality, we are deeply impacted by the people around us. This episode is about protecting you from this human fallacy, so, you can make more informed decisions for you and your family as we...
Dec 28, 2021•15 min•Transcript available on Metacast Can you guess what it is? RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB ►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i ►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https:/...
Dec 26, 2021•15 min•Transcript available on Metacast The reptilian brain, composed of the basal ganglia (striatum) and brainstem, is involved with primitive drives related to thirst, hunger, sexuality, and territoriality, as well as habits and procedural memory (like putting your keys in the same place every day without thinking about it or riding a bike). Where this part of the brain becomes useful is when you're trying to influence someone early on in an interaction. Appealing to their instinctual urges and responses to pivot things in you...
Dec 23, 2021•19 min•Transcript available on Metacast This is one of the most valuable yet underrated tools for connecting with strangers.
Dec 21, 2021•16 min•Transcript available on Metacast State of the nation with mortgage expert Andrew Malcolm.
Dec 19, 2021•32 min•Transcript available on Metacast Even if you don’t have a boat you should consider boat insurance. Let me explain. Commercial Marine insurance includes all goods transported via rail, road, air and sea. Not just the boat itself. So, any primary producers, retailers, wholesalers, manufacturers, miners and any business involved in the exporting and importing of goods could be at risk without this cover. For the more personal pleasurecrafters out there, who own their own boat, this one’s for you too. I break down both. RESOURCES &...
Dec 16, 2021•10 min•Transcript available on Metacast I’m very much a fuck it let’s see what happens kind of guy but there’s only so long you can roll the dice before something really serious happens. I don’t want that to be you so in this episode I share the ultimate guide to travel insurance in New Zealand. RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register ►Subscribe to the NZ Guide To Financial Freedom ...
Dec 14, 2021•12 min•Transcript available on Metacast There is a monumental change about to impact the lives of 381,000 New Zealanders. The Financial Markets Authority have come up with a new list of default KiwiSaver providers who, if you don’t make an active choice to change, will force you over to a new one. Listen to hear why that should matter to you. RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/register ...
Dec 12, 2021•9 min•Ep 224•Transcript available on Metacast Why I think skyrocketing inflation, supply chain issues, immigration outflows, wage pressures and increasing interest rates could contribute to a very shaky New Zealand economy.
Dec 09, 2021•14 min•Transcript available on Metacast My car was stolen. It sucked. I didn’t have any emotional attachment to it. The part that sucked was that I had the wrong vehicle insurance. Third-party vehicle insurance…. Big mistake. I wasn’t covered. It’s something we take for granted. Assuming we have the right level of cover without having put much thought into it. Wouldn’t you want to get the best value for money if it’s something you’ll likely pay for the rest of your life? Weekly payments add up let me tell you. Here are my seven tips f...
Dec 07, 2021•12 min•Transcript available on Metacast The reason for you and I crossing paths is that from a young age, I had an unhealthy obsession with what constitutes emotional success and understanding the best way to help others to achieve it. This obsession lead me on to an illustrious career in commission only selling and management for one of the world leaders in face to face marketing. The motivation for pursuing such a career was that I had a crippling fear of talking to people with an intention. Whether that be asking a girl on a date, ...
Dec 05, 2021•35 min•Transcript available on Metacast 
