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A five-year-old sits down for a holiday chat and accidentally delivers a clearer money lesson than most adults. Zara joins us on the mic and we start with the basics: what money is, what you can do with it, and how you earn it through simple “jobs” like helping out at home. It’s funny, honest, and surprisingly practical for any parent thinking about kids and pocket money in New Zealand.
From there, we get into the part that really matters for building kids’ financial literacy: saving. Zara explains saving in her own words, talks about putting coins into her money box, and sets a clear goal for opening it on her birthday. We unpack why goal-based saving works so well for children, how to talk about spending without shame, and how small habits can shape long-term confidence with money.
We also introduce KiwiSaver in plain language, including why some families choose to open a KiwiSaver for kids early and how long-term saving connects to future goals like buying a first home. Along the way, Zara makes a bold request for $2,000 from listeners, which turns into a perfect moment to talk about value, patience, and big dreams on a small budget.
If you enjoy real-life parenting chats, money basics for children, and practical NZ personal finance conversations, hit play. Subscribe, share this with a parent or caregiver, and leave a review, then email us and tell us what you were doing while you listened.
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Welcome to the holiday edition. It's a school holidays edition. And I have a very special guest in here. And her name is Zara. For those that don't know, Zara is my Mummy.
unknown
No.
SPEAKER_01
I'm your mommy.
SPEAKER_00
And you are my daughter.
SPEAKER_01
Yeah. And how old are you, Zara?
SPEAKER_00
One.
SPEAKER_01
Are you really?
SPEAKER_00
One, one, one, one, one, one. What's that equal?
SPEAKER_01
Oh, you're giving me a hard task.
SPEAKER_00
Five.
SPEAKER_01
Oh, five. Awesome. Well, Zara is five, and she's in the hot chair today.
SPEAKER_00
Oh, I know. And we're gonna talk about Ali Mova Zibonisa.
Alright, we're gonna talk about money. I want to ask Zara as a five-year-old what does she know about money?
SPEAKER_00
Money? You can buy houses and go toilet for a toilet.
SPEAKER_01
Oh my gosh. Zara, do you realize there's a lot of people that are listening to you right now?
SPEAKER_00
Oh yeah.
SPEAKER_01
All over the world. You know how at night we listen to various storyline online stories, and people can listen? Yeah, so right now there's lots of people that are listening to you.
SPEAKER_00
Is it real? It is for real. Oh, for real.
SPEAKER_01
Yeah. So, Zara, as a five-year-old, how much do you know about money?
SPEAKER_00
What's that mean? I don't understand.
SPEAKER_01
What is money?
SPEAKER_00
Money is money.
SPEAKER_01
What do you do with money?
SPEAKER_00
Buy stuff.
SPEAKER_01
And how can you earn it? By doing jobs. What sort of jobs do you do?
SPEAKER_00
Clean up the car, wash the car, and um catch hands.
bad people. Do you think they earn a lot of money?
SPEAKER_00
I think so.
SPEAKER_01
Mm-hmm. And what do they do with money when they grow up?
SPEAKER_00
Buy stuff.
SPEAKER_01
What sort of stuff are you gonna buy? A big squishy? A big squishy, okay. Very important. I mean a unicorn. Oh a unicorn. And Zara, can you tell me? Do you know anything about saving? Saving money.
SPEAKER_00
If you save, you get more money and you can buy anything.
SPEAKER_01
You can buy bigger things then. Yeah. Yeah. So you shouldn't spend all your money at once.
SPEAKER_00
Yeah, I'm saving them in D for my birthday.
SPEAKER_01
I can't hear you. Come back to the microphone. There you go.
Kiwi Saver is when you put money away to save. And when you are 18 or 20 even, you can buy a house using KiwiSaver. Oh wow. And did you know you already did you know you already have a Kiwi Saver?
SPEAKER_00
Nope.
SPEAKER_01
Well, Mommy opened you a Kiwi Saver because it's a very good idea to open a Kiwi Saver when you're very, very little. Where is it? You can't see it. Can you show me it? Later.
unknown
Okay.
SPEAKER_01
Anything else you want to tell people that are listening to you right now before we say goodbyes?
