In this Money Moments episode of It’s No Secret, we chat with Dora Yip, CMO at PocketSmith, about the real life of a “household CFO.” Dora, who grew up in Singapore and now lives in Dunedin, shares how culture, values, and human behaviour shape our money experiences.

In this episode we dive into:

• The mental load of managing family finances and reframing budgeting as values-led decision-making.
• How a $1,200 bubble tea bill became a surprising lesson in intentional spending.
• Dora's toolkit for sanity: PocketSmith, Trello, Google Drive, and even AI for stress-testing financial ideas.
• Plus, hear her candid stories about becoming a reluctant landlord and bringing her teens into investing.

About Dora: With 15+ years in diverse sectors, Dora translates complex finance into relatable stories. Outside work, she loves books, travel, and bubble tea.

If you’re navigating family finances, this episode offers fresh perspectives on aligning money with values, reducing friction with your partner, and finding smarter ways to manage your household’s wealth.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

This week, we’re diving into the fascinating world of core-satellite investing, exploring how you can effectively implement this strategy using the Kernel platform.

Whether you're a seasoned investor or just starting out, understanding how to balance your core investments with targeted satellites can enhance your portfolio's performance.

Plus, we have some insightful blog posts linked in the description for those eager to learn more!

Like sauce on a PIE: How Kernel Shares & ETFs complements Kernel Funds

How Can Kernel Funds Fit Together?

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

Today, we're diving into the often tricky world of gifting etiquette. As weddings, birthdays, and holidays approach, dilemmas come up often leave us scratching our heads.

Join us as we share our personal experiences and tackle some of the most awkward gifting scenarios.

Plus, we want to hear from you—what are your biggest gifting dilemmas? Share your thoughts in the comments!

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz