One man, one million dollars of debt, one podcast to find a way out. Join host Reagan White in his pursuit of financial security and freedom.
 

Podcast host of Where's My Money, voiceover guy, D-grade actor and Dad to George & Lotte.

Reagan White

Ashleigh Waterman from enable.me joins us to explain why financial resilience is more than an emergency buffer. We look at income protection, managing debt, and preparing for unexpected life changes.

Where's My Money?

What Financial Resilience Actually Means Beyond Your Savings Buffer

Mike Puru, Sarah Gandy, and Yas Coe join Reagan for a generational chat on debt, mortgages, tax surprises, and what they wish they knew about money when starting out.

Generational Money Chat: Mike Puru, Sarah Gandy & Yas Coe

Got a surprise cash boost? Before you hit the shops, Lisa Butler from enable.me breaks down the smart financial moves to clear debt, build cash buffers, and grow your wealth long term.

What To Do If You Suddenly Get $10,000 Cash

Reagan White sits down with experts from the FMA and enable.me to discuss AI and personal finance, unpacking useful tools, major risks, and why chatbots can't replace real advice.

Can You Trust AI With Your Money? Financial Experts Explain The Risks

Shelley Palman from enable.me joins us to unpack fixed, offset, and revolving credit mortgages in under five minutes. Discover how structuring your loan properly can save you serious cash.

How to Pay Off Your Mortgage Faster: Fixed, Offset & Revolving Credit Explained

Karen from enable.me joins Reagan to share smart financial strategies for navigating Christmas spending. Learn how to avoid holiday debt traps, set realistic expectations, and plan ahead.

Smart Ways To Save Money This Holiday Season

Becs from enable.me joins us to unpack emergency funds. Learn how much cash you really need to save, how to calculate your risk, and the smartest spots to keep your money.

Emergency Fund Guide: How Much Money Do You Actually Need?

Reagan tackles wedding budgets with celebrant Kimberly Sanders and enable.me’s Shelley Palman, uncovering how to set your priorities, cut sneaky costs, and avoid starting married life in debt.

How to Budget for a Wedding: Secrets to Staying on Track

Earning a great wage but wondering where it all goes? enable.me’s Shelley breaks down lifestyle creep, micro-spending, and how automating your money can build real long-term wealth without the stress.

Earn Good Money But Have Nothing To Show For It?

Shelley Palman breaks down how to tackle a massive mortgage, balance revolving credit, and protect your budget as interest rates rise again. Learn how splitting loans can stop the endless debt wheel.

Mortgage Strategy 101: Revolving Credit, Tranches, and Bank Cash Sweets

Reagan and Rebecca from Enable Me break down why your financial goals keep failing. Discover how automation, tracking progress, and celebrating small wins will help you take back control of your money.

Why Willpower Fails and How to Automate Your Savings

Asking for a pay rise makes most of us sweat. Host Reagan and psychologist Sara Chatwin break down how to ditch the anxiety, frame your worth, and land the money you deserve.

Nervous About Asking for a Raise? Psychologist Sara Chatwin Breaks It Down

Wait, so doomscrolling may actually be helping our country? 

This week, we caught up with Economist Brad Olsen to talk about the newest report on TikTok's contributions to New Zealand - particularly the economy.

Brad speaks on the specific findings of the report, including the $1.2 billion contribution to the economy, and what this means for consumers and businesses in Aotearoa. 

We also have Kiwi Business 'PiknMix' owner Merritt Watson on the pod, who shares how much impact the app has had on him and his business.

Whether you are a content creator, a local business, or a TikTok user, there is an interesting gem in this chat for everyone. 

Powered by http://enable.me – financial coaching and strategic advice.

Pay down debt. Grow wealth. Retire well.

The impact of TikTok on New Zealand and its economy 

Money isn't just about dollars. It's about mindset, opportunity and the stories we tell ourselves.

This week, I sit down with Te Kahukura Boynton, founder of Māori Millionaire, to unpack her remarkable journey from struggling with addiction and poor mental health to becoming one of New Zealand's most influential voices in financial education. 

Together we explore why financial literacy alone isn't enough, how trauma shapes our relationship with money, and why taking personal responsibility can exist alongside recognising the systemic barriers many people face.

We also dive into investing, building long-term wealth, avoiding financial scams, creating better money habits and the advice every young New Zealander should hear before they start earning. 

Whether you're just beginning your financial journey or looking to reset your money mindset, this is a conversation packed with practical lessons and plenty of hope.

To join Te Kahukura's journey, you can follow her @maorimillionaire_

Powered by ⁠enable.me⁠ - Financial coaching and strategic advice. 

Pay down debt. Grow wealth. Retire well. 

The Truth About Building Wealth - And Why Money Mindset Matters

What happens when your passion starts making more money than your profession?

This week we're joined by private chef and food creator Hercules Noble. From working brutal 14-hour kitchen shifts in London to becoming one of New Zealand's biggest food personalities, Hercules opens up about building a business that genuinely reflects who he is.

We talk about saying yes to every opportunity, the pressure that comes with brand deals, buying his first home, why structure has become the biggest lesson in his career, and what financial freedom really means. It's an honest conversation about ambition, creativity and making sure success doesn't come at the cost of the life you're trying to build.

Private Chef Hercules Noble on Building Wealth Without Losing Yourself

Wills Week is approaching! And after recently coming into some inheritance myself, I thought what better an opportunity than to discuss it right here on the podcast! 

Joining me for the discussion is Catherine Simpson from Public Trust, and later on, Shelley Palman from enable.me! Unpack everything you need to know about wills, estates, inheritance, executors, and why having a plan in place can save your family months, or even years, of stress. 

We talk through the biggest misconceptions, what happens if no will exists, how long estates really take to settle, and why naming the right executor matters more than most people realise.

We also cover trusts, pets in wills, leaving money to charity, blended families, family disputes and the surprisingly common mistakes that can create expensive legal battles. Whether you've just bought your first home, started a family or simply keep putting it off, this episode is a practical guide to one of the most important pieces of financial planning you'll ever do.

Inheritance, Wills, and The Cost of Not Planning Ahead

KiwiSaver, NZ Super and retirement confidence are all on the table in this special Where's My Money roundtable discussion.

I'm joined by Karla Byrnes (AMP), Tom Hartmann (Sorted) and David Martin (Summerset) to discuss why only 45% of Kiwis feel confident about retirement and what can be done to improve that. 

We cover KiwiSaver contributions, NZ Super, retirement savings, financial advice, housing wealth, retirement villages, inheritance planning, cost of living pressures, and the lifestyle choices that shape retirement outcomes.

The big takeaway? Retirement isn't just about money. It's about understanding what kind of life you want to live, and creating a plan to help you to achieve it. 

Powered by enable.me – financial coaching and strategic advice. Pay down debt. Grow wealth. Retire well.

The Retirement Planning Mistakes Kiwis Keep Making

What does it really take to build a successful business without investors, shortcuts, or overnight success stories?

This week, I sit down with Aaron Styles, founder of Just Another Fisherman NZ, to talk about turning a lifelong passion for fishing into a growing family business. 

From starting as a hobby more than a decade ago to opening retail stores and building a loyal community, Aaron shares the realities of self-funding a brand and staying patient through the tough years.

We also get into household budgeting, working alongside your partner, building customer loyalty through storytelling, and why some of the biggest opportunities for young people might not be where everyone thinks. 

It's an honest conversation about business, money, family, and creating a life that works on your own terms.

And Shelley is back to help me answer another hotline! We cover job redundancy, and tips on how to navigate a changing employment landscape.

This episode was made possible thanks to our friends at enable.me

The Reality of Growing a Brand in NZ

Most of us have thrown money at a problem that wasn't actually ours to pay for. A broken TV, faulty car brakes, an appliance that's suddenly stopped working. But what if you already had legal protection and didn't know it?

This week we sit down with Jon Duffy, Chief Executive of Consumer NZ, to unpack the Consumer Guarantees Act, one of the most powerful protections Kiwi consumers have. We talk about why banks and power companies are struggling to keep customers happy, how confusing pricing and bundled deals can cost us money, and why so many people are leaving cash on the table by not understanding their rights.

Plus, Jon explains the biggest myths around warranties, extended warranties, proof of purchase, second-hand cars, and what to do when a retailer pushes back.

Stop Replacing Stuff: How The Consumer Guarantees Act Could Save You Thousands

Reagan sits down with New Zealand comedy juggernaut Guy Williams this week to talk about financial illiteracy, bad spending habits, and growing up with privilege. Guy opens up about avoiding his accountant, breaking term deposits just to cover his bills, and the realities of working in Kiwi television. 

enable.me Financial Coach Shelley Palman also stops by the Where's My Money couch to answer another one of your money questions. Got a question for the Hotline? Message us on Instagram @wheresmymoneynz

Where's My Money? is powered by enable.me – financial coaching and strategic advice. Pay down debt. Grow wealth. Retire well.

Thanks to our friends at Freedom for dressing the Where's My Money? studio. Shop now at freedomfurniture.co.nz

Disclaimer: The information discussed in this podcast is for general educational purposes only and is not financial, legal, tax, or other professional advice. Any opinions or examples do not take into account your individual circumstances, financial situation, goals, or needs, and you should not rely on this podcast as the basis for making decisions. Before acting on anything discussed, please seek advice from an appropriately qualified and licensed professional adviser (including legal or tax advice where relevant). Information is current at the time of recording and may change over time.

Guy Williams on the Business of Being Funny

The cost of living crisis is keeping families awake at night all across New Zealand. 

Green Party co-leader Chlöe Swarbrick steps into the studio with me to look at the massive gap between the rich and the poor, the reality of loan sharks targeting vulnerable Kiwis, and why she thinks our current economic model needs a total shakeup. 

Chlöe shares her personal journey with financial stress and explains why she believes the system is rigged against regular workers.

This episode was made possible thanks to our friends at enable.me

Chlöe Swarbrick on Why It's So Expensive to Be Poor in New Zealand

Where’s My Money? is back for Season 7, and this episode is a brutally honest financial reset. Reagan sits down with Shelley from enable.me to unpack the reality of managing a million-dollar mortgage, rebuilding a household budget, dealing with financial anxiety and finally cutting up the credit card. 

After months of falling behind on the systems they’d originally put in place, this episode digs into the psychology of money habits, why budgeting can fall apart during busy seasons of life, and how automation and accountability can help families make real financial progress. 

We also launch the very first Where’s My Money Hotline, where Shelley answers a listener question about whether it’s smarter to invest or focus on paying down your mortgage first. 

Huge thanks to our friends at enable.me for making this episode possible.  

My Financial Reset: Credit Cards and Budget Blowouts

To wrap up the year, Reagan White chats with Katie and Shelly from enable.me about where Kiwis stand financially heading into 2026.

How to Prep Your Finances for Christmas and the New Year | Where's My Money

Lotto wins, game-show glory, and real stories of sudden money. Reagan dives into why we chase wins and what actually happens when the money lands.