There's actual behavioural science behind why we freeze up around money, and it's the same science that Mark White-Robinson has built a business around solving.

Mark is the co-founder of Feijoa, an app that rounds up your everyday purchases and tips that spare change straight into your KiwiSaver.

Seven months in, his users are on track to build millions in retirement savings.

The trick to money is usually small habits, over a long time. That's it. But there's a real science to making them stick.

In this episode we get into:

Why doing nothing is usually the worst financial decision you can make
The three things that stop people taking action with money (and how to get around them)
Why 1 million eligible New Zealanders are missing out on over a billion dollars a year in free KiwiSaver contributions
The behavioural tricks built into Feijoa, and how to steal them for your own money life
What open banking has changed for everyday Kiwis

This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days.

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Production and video editing by Lana Byrne

Audio engineering by Tash Chittock

Filmed by Fanaticals