Most money rules weren’t written with women’s lives in mind. That gap shows up at retirement, in the middle of a separation, or when confidence takes a hit after caregiving breaks and career pivots. We sit down with Elizabeth Maloney Geany—former nurse turned financial adviser and founder of Know Your Worth—to talk about designing a plan that fits real life: messy, busy, and full of change.We get specific about the gender gap in KiwiSaver balances, why late-life “lifestage” switches can be too conservative, and how to build diversified income streams so you’re not banking everything on a single lever. Elizabeth shares practical ways to combine KiwiSaver, managed funds, and property with clear timelines and access rules, helping time-poor professionals keep momentum without adding stress. We also dig into the $1.6 trillion wealth transfer: how to prepare for windfalls without counting on them, why open money conversations matter across generations, and what happens when people spend today based on an inheritance that may never arrive.Along the way, we unpack the emotional side of money—confidence dips, fear after past losses, and the pressure couples feel when goals don’t match. You’ll hear how a guided conversation can surface trade-offs, reduce conflict, and give families a shared path they can stick to. If you have KiwiSaver, you’re already an investor; now’s the time to set it right, diversify beyond it, and own the plan. Subscribe for more straight-talking conversations on wealth, confidence, and building the future you actually want—and if this resonated, share it with a friend and leave a review to help others find the show.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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