MONEY JOURNEY
Today's episode began with an email from a Kiwi couple in their mid-40s. Tokyo reached out just before Christmas 2023, sharing how a sinking fund she started nearly a year ago was making her happy amidst a tough financial year. They were considering a $15,000 mortgage top-up to cover a tough financial year. But Tokyo wanted to know if there was a better way. Of course, there is another option. I hit reply to her email and proceeded to throw the cat amongst the pigeons.