Best Reflex Save Podcasts (2025)

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Jack Gamble / CCP, Bank Failures, & Strawmen Ep 501 1:04:38

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4d ago1:04:38

1:04:38

Today's a unique episode and for those who love a good story, this one's for you. The failure of First National Bank of Lindsay as more than a small, local bank collapse and instead as a window into a broader pattern of organised crime, regulatory failure, and moral decay centred on the I‑35 drug and human‑trafficking corridor and illegal Chinese‑l…

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Darcy Ungaro / Silver: Is Now The Time To Buy? Ep 500!!! 25:50

12d ago25:50

25:50

Woo-hoo! Just realised it's episode 500! Pretty sure it's tradition to celebrate with silver, so in this one, I take a closer look at this precious metal and ask the question, is it for saving, speculation, or watching from the sidelines? Hatch: For US markets. Sharesies: For local, and international markets. Book in a free 15-min phone call with D…

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John Alcock / When Banking Safety Goes Too Far, Ep 499 1:30:22

19d ago1:30:22

1:30:22

Everyday, banks and governments justify new rules, checks, and blocks in the name of preventing fraud, money‑laundering, terrorism, and scams. It's a reasonable objective: stop bad actors and protect vulnerable people. It's just that, at some point, the line between protecting customers and controlling customers, can quietly disappear. Special than…

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Jason Titman / The Future of Banking Ep 498 56:33

26d ago56:33

56:33

Not a week goes buy where I don’t hear of the difficulties associated with buying digital assets like Bitcoin, from regulated institutions – all in the name of safety, they gate keep, ticket clip, dilute, surveil, ration, throttle, censor, inflate, tax, sequester, audit, and potentially even confiscate wealth that belongs to the people. Read more. …

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Steve Orenstein / A New Listing on The NZX?! Ep 497 45:21

1M ago45:21

45:21

Steve Orenstein is the founder of LOCATE Technologies, a publicly listed company that's relocating to NZ. This episode is a fascinating case study around how NZ can be good at some things, and occasionally wins, despite the odds! Please remember that all types of investing carry some degree of uncertainty. Always do your own due diligence before ta…

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Darcy Ungaro / Are We Paying Too Much Tax? Ep 496 25:55

1M ago25:55

25:55

Are we paying too much tax? "Yes", said all the people paying the vast majority of taxes in NZ. "No", said everyone else. Whether we think it's fair, or it's theft, Kiwi's ought to prepare now for a future where higher rates of taxation are inevitable. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightl…

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Rick Rule / Gold, Silver, and Uranium Ep 495 1:01:00

2M ago1:01:00

1:01:00

Rick Rule, the most hated contrarian precious metals and resources expert talks to me on this one about 3 very odd ingredients in my own portfolio. We talk about gold, and how it'll play a role in everyday money, the silver price paradox, and first-time topic, uranium! Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up …

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Vanessa Williams / Property Sentiment Just Changed Ep 494 39:28

2M ago39:28

39:28

Vanessa Williams from realestate.co.nz shares a little about her own property journey, then comments on the shift currently happening in the property market. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia.…

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Tim Doyle / The IRD Is Watching Your Wallet, Ep 493 42:25

2M ago42:25

42:25

Are you tax-compliant with your crypto-holdings? Over 70% of Kiwi's aren't. I'm talking with Tim Doyle, of Doyle Accountants. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto…

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Kelvin Davidson / New Bank Rules to Juice NZ Property? Ep 492 47:11

2M ago47:11

47:11

Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx. MyRent: See why residential property investors all over New Zealand are switching to myRent. Pr…

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Darcy Ungaro / Why The OCR Goes MUCH Lower, Ep 491 27:47

2M ago27:47

27:47

The Official Cash Rate (OCR), which influences the floating mortgage rate, and short term fixed-rates, dropped last week. Everyone has a view around what SHOULD happen, but no one's talking about what WILL happen. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyf…

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Darcy Ungaro / Why Gold's Going Crazy?! Ep 490 22:54

3M ago22:54

22:54

Watch YouTube version here. Diversification, or placing your money in more than one type of investment, needs to be applied more broadly. Spreading your bets across the US, rest of world, emerging markets, and Australasia is fine start, but the jobs not done here. If all these investments are denominated in dollars, then you still have a huge conce…

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Tony Walker / Beat The Bank, DIY Retirement. Ep 489 47:02

3M ago47:02

47:02

Ex-Financial Adviser Tony Walker joins me on this one. Here's 4 things you’ll need to keep front of mind if you’re planning to, or you already are, handling your retirement. 1 – Learn how to identify the best, short term investment strategy 2 – Keep it simple 3 – Use your mortgage for the win, and lastly 4 – Stay laser-eyed on real returns. Read mo…

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Zac Townsend / Bitcoin Life Insurance? Ep 488 34:15

3M ago34:15

34:15

Special thanks to Zac Townsend from Meanwhile, for joining me to unpack how life insurance works, when the money changes. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto tak…

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Jack Revill & Carl Burling / What Makes Commercial Property Better, Ep 487 46:45

3M ago46:45

46:45

In 2021, the combination of spiking interest rates, differential tax treatment, new RBNZ regulations, and the CCCFA, put and end to the residential property party. Although some of the sting's been taken out, many property investors are formulating a plan to exit, once any sign of life returns to the market. Where will they go? Provincia: Whether y…

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John Kenel / Thriving, While The West Fails Ep 486 48:24

4M ago48:24

48:24

Big thanks to property expert John Kenel. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You MyRent: See why residential property investors all over New Zealand are switching to myRent. Provincia: Whether you're looking to invest, or you have a commercial property that needs bett…

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Michael Every / Why The Death Of Free Trade Matters Ep 485 49:42

4M ago49:42

49:42

My guest on this one is Michael Every, Global Macro Strategist with Rabobank. We're no better conditioned than dogs waiting for a bell to ring. Bad stuff happens, rates go down, house prices go up. Easy. But now, after almost 4 years of watching house prices stagnate, if you're anything like me, you're wondering if the rules have changed. It's scar…

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Society's Turning Kids into Consumers – Unlock FIRE to Make Them Financially Free! 39:51

4M ago39:51

39:51

Send us a text #057 Ever dreamed of ditching debt, saving 60% of your income, and walking 500 miles across Spain on a whim? What if this "impossible" path could set your kids up for true financial freedom – without waiting until 65? In this eye-opening episode, host Eric Yard chats with Diania Merriam, who crushed $30K in debt in just 11 months and…

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Peter Dunworth / Wealth Tax, Strategy, Bump and Grind, Ep 484 1:04:05

4M ago1:04:05

1:04:05

Learn more about Loan My Coins.* For multi-signature wallets, check out The Bitcoin Adviser.* Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You MyRent: See why residential property investors all over New Zealand are switching to myRent. Provincia: Whether you're looking to inves…

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Charlie Meadon / Soros, Reflexivity, Interest Rates & Strategy Ep 483 1:11:55

4M ago1:11:55

1:11:55

Markets create reality through our collective expectations and actions. It's a self-fulfilling prophecy fed by mass-psychosis. Read more. Special thanks to Charlie Meadon, CEO of Eccuity. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You MyRent: See why residential property inve…

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G. Edward Griffin / The Jekyll Island Rebellion, Ep 482 52:43

5M ago52:43

52:43

G. Edward Griffin is the author of The Creature From Jekyll Island. If you ever wanted a deeper understanding on the origin and aims of the US Federal Reserve, this is it. Learn more about Red Pill University. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You MyRent: See why res…

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John Alcock / "We Are In World War III" Ep 481 1:16:02

5M ago1:16:02

1:16:02

Recording date: 18th of July 2025 The question of whether Bitcoin is fueling a political revolution is something I’ve been chewing on for a while. I think it is, but I reached out to John Alcock to see what he thinks (and I got more than I bargained for!). Read more about it here. Book in a free 15-min phone call with Darcy Ungaro (financial advise…

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Luke Kemeys / Paths To Business Wealth, Ep 480 1:02:07

5M ago1:02:07

1:02:07

Can genuine, transformational wealth still come from work hard and focus? With record amounts of cash sitting idle in bank accounts and property markets showing signs of strain, many aspiring investors and business owners face an uncomfortable truth. Is now the time to quit, or double down? Read more. Many thanks to Luke Kemeys, from Next Advisory …

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John Alcock / NZ's First Bitcoin Property Transaction, Ep 479 48:06

5M ago48:06

48:06

Sometimes the future doesn’t tap politely. It knocks, and while the instinct is to keep the door bolted, at some stage we need to do better. That’s what’s happening right now in New Zealand, as John Alcock aims to facilitate the country's first property sale powered entirely by a blockchain. Read more. Book in a free 15-min phone call with Darcy Un…

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Darcy Ungaro / Where To Invest, If NOT Property? Ep 478 30:10

6M ago30:10

30:10

It’s a dwelling, but it’s an asset class too - People buy property to live in it, and to grow their wealth in it. Since the early 1970’s, property values have doubled roughly every 7-10 years in many Western countries, including here in NZ. But sitting here in 2025, after watching at least 3 years of falling prices, it’s natural to wonder if the pa…

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Mary Jo Vergara / How NZ Property Prices Lead The World. Ep 477 29:24

6M ago29:24

29:24

New Zealand was one of the first economies where the central bank hiked interest rates. Being first, I wonder if that means other countries watch us to see how sensitive economies are to monetary policy? Read more Special thank you to Mary Jo Vergara - senior economist at Kiwibank. Book in a free 15-min phone call with Darcy Ungaro (financial advis…

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Catherine Emerson / Better Get Rich, Kids. Ep 476 51:56

6M ago51:56

51:56

the art of investing is balancing growth and protection, for both you and your kids. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop …

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Francis Hunt / Global Debt Meltdown? Ep 475 1:18:33

6M ago1:18:33

1:18:33

Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more. Affiliate Links! Th…

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Darcy Ungaro / 2 Ways 2 Grow Obscene Wealth, Ep 474 27:13

7M ago27:13

27:13

I believe the core ingredient in any wealth building strategy is the acquisition of just a few assets. As we acquire assets, we need to start thinking more, not less, about all the things that rob us, and no, not just fees. Read more. Catch the full Michael Saylor talk here Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sig…

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Darcy Ungaro / The Inevitability of Investment Returns, Ep 473 28:09

7M ago28:09

28:09

Recently, I attended a conference which centered on what I suspect will be the future of money in a more digital world. One of the best presentations I sat through was from author (of a book called 'Broken Money') and macro-analyst Lyn Alden - 'Nothing stops this train'. The current form of money we use (fiat currency) is tethered to a leveraged sy…

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Mike Grimshaw / Has NZ Lost Its Way? Ep 472 1:05:00

7M ago1:05:00

1:05:00

Has New Zealand lost its way? If so, the only path forward is to honestly acknowledge what we once were, understand how and why we’ve changed, and then chart a course for the future we want. It’s a tough question, no doubt, but like any hard problem, there’s a reward waiting on the other side. I’m joined today by Mike Grimshaw, a self-confessed ‘in…

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Ashley Church / RIP NZ Property Market? Ep 471 1:02:20

7M ago1:02:20

1:02:20

In a perfect world, housing would be for lifestyle, and investments for long term planning - regardless, we live in an imperfect world. The real question becomes - what's your response to it? Jump in for number go up? If so, now's looking really, really good. *Just keep a lazy eye some of the bigger changes a foot. Read more here. Check out the wor…

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Paul Quickenden / Neo-Mercantilism: This IS Happening, Ep 470 50:08

7M ago50:08

50:08

From neoliberal globalization to neo-mercantilism – This is happening, and it might not be a simple transition. Why? Because the digital transformation of money is occurring at the exact same time. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Sign up to Easy Crypto: To buy and sell d…

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Cody Ellingham / Bitcoin Over $100k...Again! Ep 469 1:10:21

8M ago1:10:21

1:10:21

For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That’s the old world. In the new world, to build new wealth, we have to quest for objective truth. Really? Sounds a bit full on. Check out Cody Ellingham on t…

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Carl Burling & Jack Revill / Break Into Commercial: Investors Playbook, Ep 468 48:18

8M ago48:18

48:18

Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical blues preceding a full scale recovery in the residential space, but part of this is vibe shift. So if commercial property 'just makes more sense', what's the playbook? Joining me to discuss is Jack Revil…

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Andy Schectman / Gold SCREAMING Currency Reset, Ep 467 1:22:52

8M ago1:22:52

1:22:52

The price per ounce of gold hit $3,500 recently – up over 30% now this year alone. Why is gold pumping so hard? Read more. Andy Schectman is the CEO and co-founder of Miles Franklin (Gold dealers). Mortgage Master Strategy 2025: Fix, Float, or Flex? Bring your questions and get the straight facts on how long to fix your mortgage in a year shaped by…

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Banks: Just a Cozy Oligopoly? Jeff Royle and David Hart, Ep 466 55:24

8M ago55:24

55:24

Show me where in the wallet the salesman touched you. These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators. At an organisational, and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligne…

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Rupert Carlyon / Will Wall Street Crash Main Street? Ep 465 1:15:04

9M ago1:15:04

1:15:04

Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally right now, is a reason pay attention. I think we have to make all decision carefully right now – around changing, or staying the course, especially. Read more Rupert Carlyon is the MD of koura KiwiSaver.…

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Gary Savage / Can Gold Save Us From This? Ep 464 43:19

9M ago43:19

43:19

Sounds a bit woo-woo saying it, but this is my strategy. It’s why I doubled down on leveraged residential property in 2015, Bitcoin in 2017, and gold in 2019. I’ve mostly always ignored the price during these times and exclusively focused on the macro-narratives. Read more. YouTube version for charts. Gary Savage is an expert gold analyst and autho…

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Steps to Build Financial Literacy in Teenagers 13:50

9M ago13:50

13:50

Send us a text #056 In this episode, our host Eric Yard delves into the crucial world of teen financial literacy. Whether you're just starting to teach your teen about money or looking to enhance their financial skills, this episode is packed with invaluable insights and actionable advice. In This Episode, You'll Discover: The Importance of Financi…

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Lawrence Lepard / The Big Print: It's NOT Transitory, Ep 463 1:15:31

9M ago1:15:31

1:15:31

Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can move your money wherever you like, but there’s diminishing returns the further you go. With taxes, there are ways to legally reduce this obligation...Read more. Thank you very much to Lawrence Lepard - check…

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Robbie Paul / Recession-Proof Investment Strategy? Ep 462 40:28

9M ago40:28

40:28

Early-stage investing is putting money into new companies with big ideas but not a lot of history. If they make it, even a small investment can yield significant returns. The best part of these returns, however, is that it has nothing to do with global trends but the company’s ability to solve a problem and generate revenue. Read more Robbie Paul i…

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Tom Deacon / Will Trump's Tariffs Kill The Markets? Ep 461 47:38

10M ago47:38

47:38

Tom Deacon is a senior investment analyst at Mint Asset Management, who focuses on stock research for New Zealand and Australian-listed companies in the healthcare and technology sectors. Read more YouTube Version Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to you in partner…

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How a California Mom is Changing the Future of Money Management! 56:21

10M ago56:21

56:21

Send us a text #055 Join us in this enlightening episode of 'Raising Financial Freedom' as we dive into the world of Anna Sergunina, a financial planner whose life’s work is dedicated to merging personal experiences with professional expertise. From the bustling economic backdrop of California to the quiet moments of teaching her son about money, A…

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Michael Reddell / Why Did Orr Resign? Ep 460 39:43

10M ago39:43

39:43

Check out YouTube version here, or read an article about this chat here. Michael Reddell is a former senior official at the Reserve Bank of New Zealand (RBNZ). He was Head of Financial Markets from 2000 to 2003 – he was an economic adviser to the central banks of Papua New Guinea and Zambia and served on the Board of the International Monetary Fund…

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Ben Brinkerhoff / The 7-Question Retirement Strategy, Ep 459 59:22

10M ago59:22

59:22

Recent research shows the average New Zealander spends about $3k per month in retirement, on top of government superannuation. The question we should consider here, is, where is it going to come from? From a house sale? From investment returns? Inheritance? What about, from your investment strategy. Book in a free 15-min phone call with Darcy Ungar…

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Darcy Ungaro / Volatility Is NOT Risk, Ep 458 32:27

10M ago32:27

32:27

No one wants to be blamed if you lose money. The backside-covering of risk ‘disclosures’ shifts the focus to side effects rather than the cure, ironically nudging some investors to treat investing like a game of chance instead of a disciplined, long-term pursuit. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sig…

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Financial Freedom Lessons from Black History 11:58

10M ago11:58

11:58

Send us a text #054 Imagine this: What if the next generation of Black children understood the secrets to building real generational wealth? What if they grew up inspired by the powerful history of Black entrepreneurs like Madam C.J. Walker and thriving communities like Tulsa’s Black Wall Street? What if they truly believed they could be next? In t…

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Rowan Simpson / From Wrong, To Rich. Ep 457 57:58

10M ago57:58

57:58

Rowan Simpson has been, and continues to be instrumental in the success of several high-growth technology businesses in NZ, including Trade Me, Xero, and Vend. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital…

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Teaching Kids About Budgeting: Simple Steps for Lifelong Impact 12:29

11M ago12:29

12:29

Send us a text #053 00:00 – Introduction to the Episode Eric sets the stage with relatable scenarios about children spending impulsively and questions how parents can prepare kids for a future where money plays a big role. Today's topic: Teaching kids about budgeting and its potential to transform their lives. 01:45 – Welcome to Raising Financial F…