The cost of living is crunching down again, as more than 30-thousand Kiwis reportedly moved abroad last year.

Are there any more changes can people make to save money? What things can they afford to cut?

Additionally, at what point do we look in the mirror and say the problem is our lack of personal discipline?

"Financial Force of Nature", and Founder of financial strategy site joins Tim Beveridge for Smart money...

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This week, the Government's KiwiSaver contribution was halved under budget changes.

Employers will also have to fork out a mandatory 4% contribution to adjust for the deficit left by the Government's contibution.

That bump's expected to stifle potential salary increases, and in turn, our retirement funds - leading many to question what changes we really need, and what we can do for ourselves, to support our golden years.

Retired financial advisor and writer Martin Hawes joins Andrew Dickens for Smart Money...

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New employment data reveals work-life balance is the top reason people leave their job.

Additionally, more people are working past the retirement age.

Are these new attitudes, or has it been growing? What's the workforce like today?

Tim Beveridge speaks to Employment Relations Expert Max Whitehead...

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