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Tom Hartmann, personal finance lead with the Retirement Commission.

Check out the article mentioned in today’s show!

The best analogy I can think of to describe the relationship between managing personal finances well and investing, is found in Hybrid vehicles- A hybrid car uses an internal combustion engine, an electric motor, and a small battery pack. When the engines going, it sends power to the wheels and also charges the battery, which in turn powers the electric motor to provide an additional power boost, or short range electric only driving. When the car slows down, the forward momentum no longer required is converted into energy stored in the battery system – so the surplus energy harvested is re-used another time. Hybrid vehicles go further with the same amount of fuel than normal cars with a gas engine only, because they’re efficient.

Still want to hear more from Tom Hartmann? Check out the following:

Intergenerational wealth:

KiwiSaver: Navigating troubled waters:

Financially Left Behind:

Increasing Financial Capability:


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