Starting your KiwiSaver contributions early can have a profound impact on your financial future. KiwiSaver, New Zealand's voluntary savings scheme, is designed to help Kiwis save for retirement. The earlier we start, the more we benefit from the power of compounding returns.

Life is often compared to a sandwich, with its layers and ingredients representing the various aspects of our journey. When it comes to our financial journey, the analogy becomes even more fitting. Just as we have the freedom to choose the ingredients in our sandwich, we have the ability to shape our financial future. So, what sort of sandwich is your life?

Nothing new here I hear you say; but is this a moment to stop and think?

Carl Sandburg's words, "Time is the coin of life. Only you can determine how it is spent. Be careful lest other people spend it for you,”. Carl's words resound strongly in our world of hustle and bustle.

So, this year, resolve to work smarter. As we saddle up for 2025, it's time to rethink our investment strategies. Just like a cowboy heading out at sunrise for a day's work, we need to approach our financial journey with a clear plan and steady resolve.