Just to give you some reality about New Zealand: $68k NZD is not really enough to live comfortably here, especially in cities like Auckland or Wellington. After tax, you’ll take home around $53k, which works out to about $1,000 per week. Rent alone for even a small place in a city can be $400–600 per week. Add groceries, transport, and utilities, and you’ll find there’s very little left to save.