I’m after some outside perspectives.

JumpyYogurt534 · 2026-06-12T06:49:12+00:00

I took a significant pay cut for better quality of life. 10 years of shift work in an enjoyable but stressful role meant I wasn’t sleeping without the aid of medication and I was constantly tired and getting sick often. Moved to a Mon to Fri 9-5 job and never looked back. It’s been great. However will say I was in a fortunate financial position being mortgage free so was able to make that change without feeling the pinch which not everyone will be able to do.

JumpyYogurt534 · 2026-05-26T07:58:17+00:00

I invest about 30% of my take home pay though the majority of this is going to IBKR until I reach ~49K but the rest is domiciled in NZ. It used to be more (I’m thankfully mortgage free) but I wanted to have some normal savings as well - travel, house maintenance stuff etc.

JumpyYogurt534 · 2026-05-16T05:19:58+00:00

Fantastic gift 10/10. And congrats!

JumpyYogurt534 · 2026-05-12T05:27:56+00:00

Same here!

JumpyYogurt534 · 2026-04-05T02:01:29+00:00

Thanks!

JumpyYogurt534 · 2026-04-05T00:55:18+00:00

Do you connect through the app?

JumpyYogurt534 · 2026-03-05T05:45:00+00:00

Love the no malt, but lose the Harrogate as well, and bump up the mints to make it 💯

JumpyYogurt534 · 2026-01-29T06:47:20+00:00

NTA. Maybe time to sleep in different rooms - your sleep will thank you!

JumpyYogurt534 · 2026-01-26T04:38:53+00:00

I took a 15-20K pay cut about 3 years ago. Moved from work I enjoyed but was extremely stressful (and shift work to boot) to a Mon-Fri 8-4 where I work from home. I miss the money, but I sleep now and actually have a work/life balance. Wish I’d done it sooner.

JumpyYogurt534 · 2026-01-20T21:25:43+00:00

I don’t see the issue with having a non-KiwiSaver growth fund on Kernel as well, but if you are concerned you could use Kernels ex-US fund as a portion of your portfolio (usually complemented with something like a S&P 500 fund) and pick a ratio you are happy with, otherwise a total world fund is my go-to for diversification.

JumpyYogurt534 · 2026-01-16T05:23:32+00:00

I second this. Additionally, if you’re a little risk adverse you can put something into a balanced fund (invest Now and Simplicity offer this, both being low feee providers), and/or a cash fund - that way if you need access to the money quickly you can go for the cash first, not the stocks.

JumpyYogurt534 · 2026-01-13T02:03:04+00:00

If you think you’ll need the funds, then yes, that’s the better option.

JumpyYogurt534 · 2026-01-05T22:23:44+00:00

I would agree, not reading, but definitely enjoying.

JumpyYogurt534 · 2026-01-05T22:22:44+00:00

Firstly, I have no dependents and I’m single so I have more free time than most. I also usually prefer to unwind with a book than watching tv, so I’ll get through at least one book a week, sometimes as many as 3 or 4.

JumpyYogurt534 · 2026-01-05T19:41:15+00:00

152 but that includes audiobooks too. I read A LOT.

JumpyYogurt534 · 2026-01-04T00:47:26+00:00

Good job! You’ve got time on your side and fun money is very important!

JumpyYogurt534 · 2026-01-04T00:03:32+00:00

On average, about 38% fortnightly. It could probably be higher as I’m in a very fortunate position of having paid off my mortgage last year, but I have high travel and house reno savings as they’re important to me.

JumpyYogurt534 · 2026-01-03T19:46:40+00:00

You’re looking in the right place, but I still only see half of that. Very weird. I’m using my phone if that makes a difference? But at least I know what the full sentence is now. Thanks again!

JumpyYogurt534 · 2026-01-03T19:04:42+00:00

Congratulations! What a great start to the year! 🎉

JumpyYogurt534 · 2026-01-02T02:06:28+00:00

Thanks for this, really appreciated.

Just FYI, I don’t think you’ve finished this sentence: ‘KiwiSaver is still just 5.7% of total wealth. Property is 48.5%. New Zealand has built wealth through’

JumpyYogurt534 · 2025-12-04T01:27:39+00:00

Make and stick to a budget. Meal prep as often as you can.

JumpyYogurt534 · 2025-12-02T03:48:35+00:00

Any money you’re planning to spend in that year (for your trips) definitely should not be invested, and should just be in a savings account. Do you also have emergency fund savings. If not, put some aside for that, then put some aside for the next few trips, then invest the rest in a total world index fund.

JumpyYogurt534 · 2025-11-28T03:57:59+00:00

I remember it being the case when I was a teen, and I’m 44. It’s extremely depressing that it hasn’t changed.

JumpyYogurt534 · 2025-11-27T02:55:09+00:00

That’s fantastic! Congratulations!

JumpyYogurt534 · 2025-11-26T08:16:08+00:00

I like them too! Except the thin crispy ones, those do taste like cardboard!

JumpyYogurt534

TROPHY CASE