# How to Plan Your Retirement as If NZ Super Won't Be There

Page: https://stenobird.com/podcast/making-cents-6998736/how-to-plan-your-retirement-as-if-nz-super-won-t-be-there
Text version: https://stenobird.com/podcast/making-cents-6998736/how-to-plan-your-retirement-as-if-nz-super-won-t-be-there.md
Podcast: [Making Cents](https://stenobird.com/podcast/making-cents-6998736)
Published: 2026-06-10T17:00:00+00:00
Episode link: https://www.francescook.co.nz/making-cents
Audio file: https://episodes.captivate.fm/episode/b3850e7f-977f-41b7-a547-d36c49bb20f7.mp3
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JSON: https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/how-to-plan-your-retirement-as-if-nz-super-won-t-be-there
Duration seconds: 911

## Resource

Retirement planning is stressful enough without governments constantly threatening to move the goalposts. Means testing, wealth taxes, a rising retirement age; how much of it is real, and how much can you actually count on NZ Super? Katie Wesney, National Coaching Lead at EnableMe, joins us in the hot seat to cut through the noise. We get into whether the pension is a plan or just a foundation, what the actual numbers look like week to week in retirement, how KiwiSaver, property, and investments fit together, and why worrying about a wealth tax might be the most expensive mistake you make. Plus: the one mindset shift that separates people who reach financial freedom from people who are still waiting for a politician to sort it out. If retirement feels far away, close, or just confusing, this one's for you. In this episode: How much can you actually rely on NZ Super? What does retirement actually cost week to week? How KiwiSaver, property, and investments work together Should you worry about means testing or a wealth tax? How to build a retirement plan that doesn't depend on government settings staying the same If you have a letter you’d like us to answer, please send it through to ask@francescook.co.nz and you might feature on our next episode! Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest #MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom Production and video ed…

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## Transcript

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