
Hosted by Opes Partners · EN

Kate dumpster-dives for dinner, washes her clothes in the shower, and hasn't bought new clothes in eight years. She also paid off her apartment in nine months. How far would you go never to need a pay cheque again?In this episode, Ed and Andrew climb a ladder of saving ... and show what each one does to how soon you could stop working.You'll learn:The savings rate that decides whether freedom is decades or years awayThe 5 levels of saving, from cutting a coffee to changing your postcodeThe real people who retired decades early, and the risks they tookThe higher you climb the ladder, the sooner you're free. The only question is how far you're actually willing to go.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

For two years, finding a tenant has been brutal... some property managers have called it the hardest market they've ever seen. But the numbers are quietly shifting, and most investors haven't noticed yet.In this episode, Ed and Andrew dig into the data showing the rental market is finally turning in landlords' favour. You'll learn:The rental market just flipped. Here's what changed. What landlords haven't realised yet … but soon will. How long does it really take to find a good tenant?The tide is turning for landlords. The investors who spot it first are the ones who benefit.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

We always say commercial property is about income, not growth. But does it actually go up in value as a house does?In this episode, Ed and Andrew dig into what really drives commercial property values and how the growth stacks up against residential.You'll learn:Whether commercial property grows in value, and by how much over 20 yearsWhy is a commercial building priced completely differently from a houseThe two levers that push a commercial property's value upThe answer splits sharply by sector and city ... and some of the "safe" ones actually went backwards.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

Let's not sugar-coat it: New Zealand is in the longest housing downturn on record. So how much longer does it last, and when do prices actually turn?In this episode, Ed and Andrew line up the forecasts from every major bank, the Reserve Bank and Treasury, and crunch what they really mean for your house price.You'll learn:Just how bad this downturn is compared to the ones you actually rememberWhat the banks, the Reserve Bank and Treasury predict, year by yearWhy house sales have recovered, but prices haven't Nobody knows the exact number. But every serious forecaster's line is pointing the same way ... and it's not the way the last four years went.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

For his first decade investing, Dean threw everything at paying down debt. Now, at 41 with three kids, he's deliberately easing off. So what changed ... and how do you know when to stop grinding and start enjoying it?In this Case Study Sunday, returning guest Dean shares how his mindset has shifted from chasing debt freedom to building net worth and living in the here and now.You'll learn:How he built four rentals by 41 How does he balance investing for the future vs living life now And his strategy to pay down debtAs a mate told him, if you always chase the light at the end of the tunnel, you just add another tunnel. Sometimes the real win is enjoying the now.Want to share your story on Case Study Sunday? Send us a message, email ed@opespartners.co.nzFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

Most people wait for the perfect idea, the right gear, or a big audience before they start. The truth? You can be earning on the side this week ... with nothing but your phone.In this episode, Ed and Andrew break down the new rules of side hustles and seven ways to make extra cash you can start today.You'll learn:Why you should start with the customer, not the idea7 side hustles you can begin with almost zero setupThe get-rich-quick traps to ignoreThe hardest part was never the idea. It's starting ... and nobody's waiting for you to do it.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

Normally, more risk means a lower price. So, flood risk should be a permanent discount hanging over a home. But why are flood-prone properties quietly outgrowing the safe ones?In this episode, Ed and Andrew dig into the Cotality data, and what it really means if you're tempted by a cheaper house with a catch.You'll learn:Why the riskiest homes are growing faster than the safe onesThe affordability trap driving buyers into flood zonesWhat flood risk could mean for your insurance and resale down the trackAffordability wins today. But as the data warns, risk shapes tomorrow.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

A good property coach can be the best money you ever spend. A bad one can cost you a fortune. The problem? Anyone can call themselves a coach ... so how do you tell the difference?In this episode, Ed and Andrew look at the side of property coaching nobody advertises, and how to protect yourself before handing over thousands.You'll learn:Why a big social media following isn't the same as a real track recordWhat happens to your money if a coach's business falls overThe questions to ask before you pay anyoneCoaching can change your life, or drain your savings. Knowing what to ask is what separates the two.Sign up for your free Opes+ account so that you can run the numbers for yourself.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

The old-school money advice? Take out cash, put it in an envelope, and that's all you're allowed to spend. So we tried it ... one week, no cards, cash only. No credit, no EFTPOS, no tap-and-go.In this episode, Ed and Andrew recap what a week without cards taught them about how we really spend.You'll learn:The "pain of paying" and why cash makes you think twiceWhere cash is genuinely hard to use in 2026How to add the "pain" back without going full cashThe real surprise wasn't how much we spent. It was how differently we thought about every purchase.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok

A CV feels official ... so buyers treat it like the property's real value. It isn't. Right now, houses are selling anywhere from 8% below to 20% above CV, depending on the region.In this episode, Ed and Andrew break down what a CV actually is, where houses are beating it, and how to use it without getting burned.You'll learn:What a CV really measures Which regions are selling above CV, and which are belowWhy are they so often wrongThe bottom line? A CV is a rates tool, not a valuation. For what a house is really worth, start with recent comparable sales.Book a meeting to start your path to financial freedom with a detailed financial plan for $0.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok