Think you need a big lump sum to start investing? We’re taking a sledgehammer to that myth and showing how tiny, repeatable steps can build real wealth. With Elizabeth back on the mic, we break down practical ways to begin with as little as five dollars, then map a path to diversified managed funds with achievable minimums. No jargon. No shame. Just a simple plan you can follow even when the cost of living feels heavy.We talk through smart “repurposing” moves that don’t hurt your lifestyle: redirecting childcare savings when kids hit ECE hours or start school, funnelling pay rises before lifestyle creep eats them, and keeping mortgage repayments steady when rates drop so the difference goes straight into your portfolio. You’ll hear how small behavioural shifts—like swapping a shopping impulse for a quick top-up—turn everyday choices into long-term gains without feeling like punishment.For parents, we dive into opening investing accounts for kids and using brands they recognise to teach ownership, dividends, and compounding. We compare direct shares as a learning sandbox with the stability of diversified managed funds for defined goals, and we share simple scripts to start money chats with whānau so gifts can become assets rather than clutter. The theme is consistent: start where you are, automate what you can, and let time in market do the heavy lifting.If building wealth has felt out of reach, this conversation gives you concrete first steps, realistic minimums, and a playbook for turning “spare change” into serious progress. Subscribe, share this with a friend who thinks they need thousands to begin, and leave a review telling us the one habit you’ll repurpose into investing this week.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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