ZM's Fletch, Vaughan & Hayley - The Most Valuable Conversation with Hayley Sproull and Georgia Burt

Episode Date: November 16, 2025

Today’s we're doing something a little different thanks to our mates at ANZ.  We’re teaming up with ANZ to talk about something really important: financial confidence and KiwiSaver.  Hayley's sitting down with fellow ZM gal Georgia Burt to interview her about how she thinks about money, the future, and what she's learned along the way.  Book your free KiwiSaver Check-in with ANZ and take a confident step toward your financial future. ANZ New Zealand Investments Limited is the issuer and manager of ANZ's KiwiSaver schemes. See advice statement, scheme guides and product disclosure statements at anz.co.nz. See omnystudio.com/listener for privacy information.

Kiyo'a team, it is Haley here, and today we're going to do something a little bit different, thanks to our mates at ANZ, or ANZ, if you want to be annoying. I'm sitting down with my fellow ZM gal, Georgia Burt, one of the four fabulous Yahena holding it down on the mic at ZM to chat about something we don't talk about enough, money, mula, pachingas, coin, cash, money. We're getting into Kiwi Saver, talking about building financial confidence, and why it's actually kind of empowering to know how your cash is building up over the long term.

It's real, it's fun, and it might just make you want to check your Kiwi saver savings after this. So let's get into it. Hi, Georgia. Hello, Haley. What people don't know about us is we sort of have this friendly on-air disposition,

but I want to strip that away and admit that we don't get on. We don't. We honestly don't. It's really hard. Like, we've joked about flirting with each other and stuff, but it's all fake. It's all fake. No chemistry.

Nothing. Absolutely. Nothing. In fact, we don't even very good at eye contact. No. Look away from me. I might have to displace this wall while I talk. So, Georgia, welcome to my podcast. Yes, girl. You've got a party. I've actually got a number of them.

What? Sorry? No, Georgia, listen, be serious. This is about money. It is. No, we don't have to be serious. But we're talking about money, our financial futures. Have you dreamed of yours much? Not in terms of like how much I would want or anything. Well, wants different.

I dreamed of assets I want. Yeah. But in terms of my financial future and like how big I want the bank account to be, never. You've got Kiwi Saver. Got Kiwi Saver. Well, that's good. But this would sort of be useless if you didn't. Yeah, it would be actually.

You've had it since you first started what? Working here. Working. Just working in general. When was that? Wait, I was 16. No, I was 15. So, yeah, when I was 15, so 16 years ago, whoa. Wow, that just hit. Sorry, listeners. Just a moment for Georgia to grapple with her own age.

Oh, that's quite good, though, to be fair. I had Kiwi Saver, yeah, when I got my first proper job at a coffee shop. But I never contributed to it, ever. I thought you had to. I did then, but then when I went, then I went to uni, and then I came. out and I was a freelancer where you've got to like opt in to you've got to do it yourself and so I never did until I started working here and had an actual salary job and have you noticed the impact of it since you've done that it's crazy day and because you don't even really

notice the contribution you're just like that's just not my money but it is it's the one bank account or bank account kind of thing they never check like everything else I'm like what can I buy this week because you can't touch it but have you because you own a home have you did you use your Kiwi saver for that yeah I used it for that. Both my partner and I used it for ours, and then now I just had a check of what it is today. Unreal. I mean, we bought the house like, what, coming up five years ago. Yeah, so it just kind of fills back up. And you see it and you're like, oh my God, I'm going to retire a happy woman. Do you feel like when you first joined Kiwi-Saver as a tweenager? No, you weren't tweenager. You were a full-blown teenager. That you understood what on earth you were doing? No idea. And what it was all for? I don't even think my parents did either.

because what did they grow up with? Is it super? Yeah, and so they didn't really know. And so even when I bought the house, I remember my dad saying to me, what do you mean you're taking it out? Like, that's for your retirement. Yeah.

And I was like, no, no, that's for your retirement, sweetie. Yeah, yeah, yours is yours. Mine's for a home. They didn't realize you could take it out prior to actually retiring. Yeah. So because this is the thing, right, and particularly with women, which I am, you are, stop me if I've got that wrong.

Just a slight pause just to give them a little bit of question. Yeah, yeah. We don't talk about money a lot, let alone sort of consciously planning for things like this. Why do you think that is? Why do you think that women are not talking about our finances in the same way? I actually don't know. Do you know what's funny because even with talking with my mates, we talk about everything. Like everything. But when it comes to money. I think we've even talked about everything. 100%. Like we say stuff then the mics go on. We're Like, well, don't say it here. No.

It's safer than it is when we're on here. But yeah, we talk about everything. And it's weird because I think, I feel as though it's, I don't know if it's just a Kiwi thing, but we've grown up to just not really talk about money or you don't talk about how much you earn. It's a prudish, yeah. Yeah, and I don't know whether it's a pride thing or an embarrassment thing

if you feel like you're not making more than someone else or, I don't know. It's a weird thing, and especially with Kiwis. There's a shift as well with, women in that like we are being maybe more proud now prouder we're being prouder now private school um we're being prouder now of earning money and and being career driven whereas like i think when we were younger still just on the edge of that like we have the babies and we do you know like a little bit more of the traditional setup you know whereas like now i think that we are gaining more confidence to be financially independent have our own financial goals our own financial dreams so i hope

that it's shifting for the good. Yeah, Simon, I wonder if it's because we've, I guess we see like people go through hardship or whatever and say that they haven't worked or they did work, but they weren't earning much money. And so they were like, oh, I wanted to have kids and blah, blah, blah. So they change their mindset as we've seen people go, oh, wait, I need to be doing this for myself

because I don't have anything that fills that part of my brain. For sure. Or that I feel like I've earned that money to spend. I don't know. It's a weird thing. It is. Have you on your KiwiSave a journey? I have done this, multiple times actually

throughout, changed providers or funds? Yes, a few times recently. What made you do it? So I was with one for years I was first put in. You just get selected for you, eh? And I didn't really know. I think mum and dad did. Oh, okay. That's good. Someone gave us a sort of a way to go. And then they changed names quite a few times. I remember

mum and dad's been like, oh, you might want to just shift because like, no, no, no, it doesn't seem legit. The company was changing names. Yeah, I don't. I can't remember. remember. You're like, is this the mafia? To be honest, at this point, I didn't even really, like, focus on what was in my Kiwi saver until I was like, oh, we're going to buy a house.

Yes, yes, yes, yes. So at that point, you then I switched it to a bank, and then I switched it from that bank to another bank. So I'm actually with a bank. I also changed how aggressive mine was. Same. I'm on a growth fund. I am, man, because I used mine as well to buy my first house, what was in it, and now

topping it up, it's like, I can't do that again. So why not be aggressive? Exactly, my thoughts too. Yeah. And I took some advice as well from the bank. I actually called the bank and was like, should I do this? And they said yes, because like you're young. Thank you, I said.

And I'm literally 30 years away from being able to access this. So there's a bit of wiggle room for it to go down and up and be more aggressive. But that's the thing. You can just literally call the bank and ask for that advice and go, what do you reckon, given my goals that I have for this fund? Oh, see, that's handy. I also only did mine probably three weeks ago because I looked at it and I was like

Oh hasn't really changed that much in the last like six months or so Let's get aggressive By changing it three weeks ago I looked at it Little bumps Literally this morning and I'm like We hit over that Yeah

Milestone Way quicker than I thought So it's worth it for sure If you had some advice I love this I always love reflecting back If you had some advice for your younger self When it came to money

In conversations or thinking about your future, what would it be? Save more. I don't know. Literally save more. I think because I am married to a banker as well. Oh, shit, of course. So when you marry a banker or you like meet someone that's so good with putting everything away and all that jazz, you're still sitting there's like, ha la la la la.

And you're like, oh no. If we do want to buy a house, I want to make sure that as much of it is yours as it is mine and that we've put the money in and that it feels like a collaborated thing and so I wish I had had I mean we've been together in nearly 12 years but I wish that I'd had that sort of mentality a lot earlier

Yes you do think about time lost and all the savings not made but you have to just think like it's never too late I think that's the thing it's like today with anything it's never too late if you just started today it's better than studying tomorrow which is better than starting next year exactly and I also okay

this is totally sort of on the same line, I would not just buy... Totally sort of? Totally sort of. I would not just buy crappy clothes and a lot of them. Because I think that's where a lot of my money went. Dude, I know. I've been doing a wardrobe clearer at the moment.

Now, if that amount of money that I'd spent on those clothes went into Kiwi saver in an aggressive fund, well, I'll be looking pretty pretty right now. Instead, I'm trying to sell... No, no, I'll be looking pretty financially. I know I'm beautiful. You don't need to remind the listener of that. late 20s and the most but honestly I'm the same I'm the same I love to spend and I don't

often think about my financial future it's almost like I'll deal with it later and then every year later it gets closer and I'm nearly 40 and then you're like well what is my plan how do I want to retire we're nearly at the end and I've thoroughly enjoyed this same do you have sorry that same was so disingenuous you know I can't do sarcasm and Okay, do your sarcasm. No, I can't. If people listening to this particular episode haven't heard Georgia, okay, I'm wearing the ugliest scarf, let's say.

And I want you to be like, okay, cool scarf. That's how I'd be like, like, if you said to me, oh, my God, do you like my scarf? I'll be like, oh yeah, that's the coolest scarf ever. No, but I'm not going to do that to you. Okay, wait, okay. Okay, go. Do you like my scarf?

Oh, yeah. No, that's just lying. Sarcasm is different. God, you're really good at sarcasm. That was sarcasm. Oh, your scarf's really nice. What is wrong with this woman? It's weird to experience such inadequacy here with you.

This is what I am with money, though, inadequate. And now asking you about some advice for people, not financial advice, because we've just heard. And that's not your job to give a financial advice. Good, because I wouldn't be good at it. Some advice maybe on how to get the conversation started. Even between friends, like for young women in particular, how could we start talking about our financial future's more. Maybe I think it's a trust thing. I think it stems it from a trust thing, but if you're willing to trust them with some of the biggest secrets in your personal life anyway, then there should

be some element of trust in talking about money, because at the end of the day, it's kind of the same thing, but what are they going to do? Tell so-and-so's mother and father and sister. It doesn't matter because you're living your life and you've probably going to go through harder things that you're going to share with them than you are money. So I honestly do think it stems from a trust. thing or an embarrassment thing. So it's getting over that hurdle and kind of going, if I can talk to them about some of my own personal things. Pimples.

On my rear end. They make me feel so insecure. Your biggest insecurities, right? Money shouldn't be one of them. Yeah, totally. And if it is and you're going through a hard time financially, then talking to them about how I can get out of that hard time. It's good.

Getting advice. Yeah, she's actually marveled herself of their own wisdom there. Wild. Can we just clip that out in some? So Georgia could put that on her CV. Wisdom provider. Because I honestly believe that that's where it stems from. Because what other reason is it that we don't?

But to be fair, like, does anyone really talk about money? No, I mean, not, it's definitely one of our least talked about things, but women in particular. We're quite so bad at it. And that's why we're doing this, Georgia Burt. Thank you so much for joining me. Hey, anytime. Well, I've invited you this one and done. No, it's one and done.

It was an absolute pleasure. Is you trying to do, you're trying to do sarcasm? oh god the pleasure was all mine that's how i do it oh wait oh my god i had the time of my life oh my god i had the time of my life she's it's like it's the weirdest thing