Money Made Simple
Welcome to Money Made Simple, a family of NZ-based financial literacy podcasts from Simplicity which keep it simple and get straight to the point. We want ALL Kiwis to have dignity, and a dignified life is one with choices. What can help with more choices? More money. So we're here to make Kiwis richer and smarter with money.
MONEY MADE SIMPLE WITH JENNIE AND LIV:
Join co-hosts Liv Lewis-Long and Jennie O'Donovan on a fortnightly basis to help you understand the basics around money, finances, investing, KiwiSaver, and planning for a better future. We aim to provide information in a bite-sized, easy-to-listen way that simplifies the jargon. 'Cos who's got time for that! We want you to feel empowered and confident when thinking about money and investing - whether that be via KiwiSaver, investment funds, the share market, property, or your general finances.
THE ECONOMY MADE SIMPLE WITH SHAMUBEEL EAQUB:
Join Shamubeel Eaqub, Simplicity's Chief Economist, on a monthly basis to help you understand what's happening in the economy, job market, politics and financial markets. Tune in to get economic updates, interviews with NZ's key movers and shakers, and deep dives into topics you might want to understand better.
You can join the Simplicity community via the following channels:
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LinkedIn: https://www.linkedin.com/company/simplicity-kiwi/
Or check out our website: https://simplicity.kiwi
Cheers for tuning in - we appreciate each and every one of you %)
Money Made Simple
MMS #64 | Compounding returns: The “money makes money” episode
In this episode of Money Made Simple, Jennie and Liv unpack one of the most powerful, and not always well understood, ideas in personal finance - compounding returns.
They explain how money can make money itself over time, why the “snowball effect” is such a game-changer for long-term savings and investing, and how it can work not just for you, but also against you when it comes to debt. Using simple, relatable examples, they show why starting early really matters.
This episode covers:
- What compounding actually means (in plain English)
- The difference between compounding interest and compounding returns
- Why time matters more than trying to perfectly time the market
- A powerful example showing how starting earlier can beat investing more later
- How compounding works in KiwiSaver, managed funds and shares
- The flip side: how compounding can quietly grow credit card, loan and mortgage debt
- Small, practical ways to make compounding work harder for you
Helpful money resources:
If this episode got you thinking and you want to learn more, these NZ based resources are a great place to start:
Sorted NZ – Free tools, guides and calculators to help with budgeting, KiwiSaver and retirement planning
MoneyHub NZ – Independent guides and comparisons on banking, investing, KiwiSaver and more
MoneyTalks (Free Financial Mentoring) – Confidential, non-judgemental help if you’re struggling with debt or bills
Whether you’re just getting started or need a refresher, this episode shows how tiny actions today can have a big impact on your future. Because when it comes to compounding, the best time to start was yesterday - and the second best time is today.
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Disclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.