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We’re back for a brand-new season of Where’s My Money? and honestly, it felt like the right time for a proper financial check-in. Because while we’ve made progress, the reality is money stress doesn’t magically disappear just because you start a finance podcast.

This week, Reagan sits down with Shelley from enable.me to unpack where things really landed after months of drifting off track. From ditching the credit card to rebuilding the budget from scratch, we talk about the systems, habits and psychology behind trying to stay on top of a massive mortgage while juggling kids, work, holidays and life.

Plus, we launch the very first Where’s My Money Hotline and answer a listener question about whether you should invest while still paying off your mortgage. Have you got a question for Shelley? Send us a voice note on Instagram @wheresmymoneynz

Huge thanks to our friends at enable.me for making this episode possible.