When you look at a big financial goal, it’s easy to get overwhelmed before you even start. You know you need a buffer for when life goes wrong, and you know you want to save for the things that actually bring you joy, but staring at a massive target number can make you want to give up entirely. That’s when you need to change how you map out your money. Financial literacy powerhouse Hannah Hart (formerly Koumakis) is back on the mic, and this time she’s breaking down how to conquer short-term savings goals, build an airtight emergency fund, and find the sweet spot between protecting your present and investing in your future. From the mindset shift...
When you look at a big financial goal, it’s easy to get overwhelmed before you even start. You know you need a buffer for when life goes wrong, and you know you want to save for the things that actually bring you joy, but staring at a massive target number can make you want to give up entirely. That’s when you need to change how you map out your money. Financial literacy powerhouse Hannah Hart (formerly Koumakis) is back on the mic, and this time she’s breaking down how to conquer short-term savings goals, build an airtight emergency fund, and find the sweet spot between protecting your present and investing in your future.
From the mindset shift of officially merging bank accounts after marriage to underestimating a home renovation budget, Hannah shares the exact strategies she uses to reverse-engineer her goals. Sophie and Hannah look at the numbers in granular detail, explaining how to split your accounts for "mini-goals" and why leaving too much cash on the sidelines can actually stall your long-term wealth. If you’ve ever felt stuck trying to balance the tension of saving for a holiday today versus growing your money for tomorrow, this episode is for you.
Don’t forget our last IOU (Side Hustler episode): https://open.spotify.com/episode/5FDI0aPG5bzbriRooqXDWG?si=W4U4J7jVS_KxQ6bMQGda5A
Hannah’s Links
Instagram (https://www.instagram.com/hannahkoumakis/)
TikTok (https://www.tiktok.com/@hannahkoumakis)
deartheseries.com
dearcommunity.co.nz
Seven Content & Dear Brides (http://sevencontentstudio.com)
Check out IOU (The Practical Lessons) here: https://thecurveplatform.com/
We're proud to be partnering with BNZ. There's an art to starting something new, and like any art form, you need the right tools to make it work. Whether you're flatting, saving to travel, or making a career move, BNZ has the tools to help you master your money from the get-go.
Credits:
Hosts: Sophie Hallwright
Producer: Emily Rigby
Editor: Kate Callaghan
Social & Digital Manager: Lucy Munro
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Substack (https://thecurveplatform.substack.com/)
Chapters
- 00:00:00 Coming up in this episode…
- 00:01:21 BNZ x The Curve
- 00:01:48 Catch-up with Hannah
- 00:04:59 In the red or the green?
- 00:08:58 The importance of emergency funds
- 00:17:34 Saving for short term goals
- 00:22:20 The 50/30/20 rule
- 00:28:16 Going over budget
- 00:31:20 Visualising your financial goals
- 00:35:51 Cash and Burn
- 00:42:25 Extra Credit
- 00:44:45 Thank you for listening!
- 00:44:59 BNZ x The Curve
- 00:45:22 Financial disclaimer
Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
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