@robbentley I disagree with saving for kids university fees. But that is partially because I have seen the "paid for" kids dick around a lot!
I also disagree with the person who thinks you don't need an emergency fund. Having dealt with MSD once when we were really struggling I want a savings buffer before I have to rely on them
I like the Barefoot Investor accounts set up. We also now put aside 15% into our pension by putting 6% to kiwisaver (plus 3% employer contribution) and 6% into a private pension.
I also disagree with the person who thinks you don't need an emergency fund. Having dealt with MSD once when we were really struggling I want a savings buffer before I have to rely on them
I like the Barefoot Investor accounts set up. We also now put aside 15% into our pension by putting 6% to kiwisaver (plus 3% employer contribution) and 6% into a private pension.