Everything I learned from a private banker ($1.5M+)
- 4 days ago
- 3 min read
Kia ora e hoa,
You guys know me too well to think that watching my latest episode will be enough.
Listening is cute, learning is great, but action is what changes your bank account.
If you’ve been saying “I want to start investing” but haven’t started, this is your sign.
In my latest How We Money podcast episode in partnership with ANZ, we break down what makes someone a better investor. No get-rich-quick schemes, just practical steps you can take today.
Here are the 7 steps you could take to get started:
1. Start small - Even $5 a week matters. It might not feel like much, but it builds the habit. And good money habits build wealth.
2. Set a goal and work backwards - Want to invest $1,000 in the next 12 months? That’s about $20 a week. Break it down so it feels doable.
3. Maximise your KiwiSaver - Make sure you’re contributing at least $1,043 a year to receive the full $261 government contribution. Check you’re putting in at least 3 percent (rising to 3.5% on 01 April 2026) to receive your employer match - that’s free money.
4. Consider your time horizon - If you’re 40 and retiring at 65, you’ve got 25 years to ride out the highs and lows. If you’re 62 and retiring at 65, your strategy might need to look different.
5. Understand your risk tolerance - How do you actually feel if your investments drop 10 percent - be honest with yourself.
6. Learn the different levels of risk - Low, Medium and High risk - they all serve different purposes.
7. Keep educating yourself - Books, podcasts, and conversations - financial confidence grows with knowledge.
This episode goes deeper into all these steps. We talk through what holds people back from investing, how to think about risk properly, and how to start without feeling overwhelmed.
If you’re serious about building wealth, don’t just read this email - go listen to the episode.
A six-part series designed to help you make better money moves and achieve your money goals.
Because Māori Millionaire and ANZ both care deeply about increasing financial literacy in a way that is accessible, practical, and culturally grounded.
And let me be very clear.
It is for ordinary people with big goals who have no idea where to even begin.
It is for the person who wants to save their first $1,000.The person who wants to stop living pay to pay.The person who wants to start something but feels overwhelmed.The person who avoids their bank app because it feels scary.
This kōrero is simple.It is relatable.And it gives you tangible steps you can actually implement.
No flashy promises. No overnight millionaire energy.
It is about mindset, execution, awareness, and building a life that actually feels secure.
If you know you want more.
If you are tired of surviving with money.
If you are ready to move with intention.
This is just Episode 2 of 6.
We are building the foundation first, with a new episode dropping next month.
Listen to Episode 1 of How We Money now:
YouTube: https://youtu.be/J6CFeZ4aTTk
Aroha nui,
Te Kahukura Boynton
CEO Māori Millionaire
Disclaimer: The information in this podcast is for general information only and isn’t financial advice. The views of the host or guests are their own and do not represent ANZ. ANZ and Māori Millionaire do not guarantee the accuracy or completeness of the content and are not liable for any loss arising from its use. Please seek personalised financial advice about your situation and goals before making financial decisions. #paidpartnership
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