Imagine having a financial adviser in your pocket. With AI innovations transforming what finance apps are capable of, that reality might not be too far away.

Instead of just tracking your spending, saving and investments, advances internationally are increasingly seeing the apps able to do everything from scanning the market for better deals or returns, to making recommendations and then executing them on your behalf.

Josh Daniell, the co-founder of Akahu – which connects bank accounts to third-party tools like tracking apps – joins Nadine to talk through the rapidly evolving world of finance apps.

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Recent KiwiSaver changes were meant to strengthen the scheme, but one expert says they risk doing the opposite.

Mary Holm joins Nadine Higgins to break down why cuts to government contributions hit low income earners hardest, and how current settings could deepen inequality over time.

So who is KiwiSaver working for? Why are some workers are missing out on employer support altogether? And what are the unintended incentives baked into the system?

Plus, the changes Holm wants to see, from government contributions for beneficiaries to emergency “sidecar” savings designed to stop people falling into debt when life hits.

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Is property investing actually dead? Investor Ilse Wolfe doesn’t think so, but she says the old way of doing it is. Isle joins Nadine to share her strategies for making property investment work in 2026.

From surviving negative equity early on to building strong cashflow, Wolfe argues it’s still viable, if you’re willing to be active and rethink the playbook.

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