A listener asks: will the Government change its KiwiSaver contributions - and if so, how should it do it? Finance Minister Nicola Willis is not ruling out changes to the Kiwisaver subsidy. Should the Government even do this? And if they do, what does it mean for you and I?

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Today Mary accesses the wisdom of the crowd! Recently she asked Afternoons listeners to write in with the best financial decision they ever made. We got so many responses that Mary has decided to sift through them and see what important and useful information she can find and what it tells us bout managing money.

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Mary Holm discusses the recent global market downturn and uncertainty caused by economic policy decisions. Mary also looks at a new Mindful Money and RIAA (Responsible Investment Association Australasia) survey about how New Zealanders view ethical inbvestment.

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In this episode Mary looks at ways to get wise with your mortgage including repayment advice and explainers on all the different types of mortgages.

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Today Mary looks at KiwiSaver and answer a listener's question about the current economic climate and how one should manage their KiwiSaver.

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Very quickly, here's Mary's top three tips: 1. Join. And keep contributing. 2. Use a higher-risk fund – usually. 3. Choose a low-fee fund.

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Money expert Mary Holm discusses the recent developments in bitcoin.

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Money expert Mary Holm looks at the benefits of going offshore with your KiwiSaver share investments versus keeping them solely in NZ based shares.

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