{"id":1196,"date":"2025-06-26T14:47:24","date_gmt":"2025-06-26T14:47:24","guid":{"rendered":"https:\/\/smartadviser.co.nz\/2023\/?p=1196"},"modified":"2025-06-26T15:17:16","modified_gmt":"2025-06-26T15:17:16","slug":"so-you-want-to-be-a-millionaire-you-can","status":"publish","type":"post","link":"https:\/\/smartadviser.co.nz\/2023\/so-you-want-to-be-a-millionaire-you-can\/","title":{"rendered":"So You Want to Be a Millionaire? You Can!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1196\" class=\"elementor elementor-1196\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e0b48b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e0b48b1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d8a26f3\" data-id=\"4d8a26f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fd68be3 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fd68be3\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Blog<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50538ca4 elementor-widget elementor-widget-heading\" data-id=\"50538ca4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">So You Want to Be a Millionaire? You Can!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c3dcac4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7c3dcac4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dc2f46f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dc2f46f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2f5ce476\" data-id=\"2f5ce476\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a0878f elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3a0878f\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar-alt\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V192H0v272zm320-196c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zM192 268c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zM64 268c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12H76c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12H76c-6.6 0-12-5.4-12-12v-40zM400 64h-48V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48H160V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48H48C21.5 64 0 85.5 0 112v48h448v-48c0-26.5-21.5-48-48-48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">May 20, 2023<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-user\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">One contributor<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f4a3056 elementor-widget elementor-widget-image\" data-id=\"1f4a3056\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"753\" height=\"471\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/so-you-want-to-be-a-millionaire-you-can-thumb.jpg\" class=\"attachment-large size-large wp-image-1198\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/so-you-want-to-be-a-millionaire-you-can-thumb.jpg 753w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/so-you-want-to-be-a-millionaire-you-can-thumb-300x188.jpg 300w\" sizes=\"(max-width: 753px) 100vw, 753px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f7b7aa8 elementor-widget elementor-widget-text-editor\" data-id=\"3f7b7aa8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Who wants to be a millionaire? Luckily, the odds are in your favour, and you don\u2019t need rich parents or to win a gameshow.<\/h3><p>We imagine millionaires to be people with luxury yachts, toting Louis Vuitton handbags, and snacking on caviar and foie gras. But millionaires are just average people- in NZ<a href=\"https:\/\/www.stuff.co.nz\/business\/industries\/130146038\/by-the-numbers-breaking-down-the-top-1-in-nz-and-the-world\" target=\"_blank\" rel=\"noopener\">, it\u2019s estimated that 24% of households have millionaire status. 10% of households are multi-millionaires<\/a>.<\/p><p><a href=\"https:\/\/www.ramseysolutions.com\/retirement\/the-national-study-of-millionaires-research\" target=\"_blank\" rel=\"noopener\">Research from the US,<\/a>\u00a0which has similar figures, delved into the data a bit deeper. It found that these millionaires are just regular, everyday people. 79% of them had no inheritance from their parents and families, dispelling the rumour that inherited wealth is the only way to get rich.<\/p><p>Most surprisingly, the top five careers for these millionaires were engineers, chartered accountants, teachers, attorneys, and management. These are regular-paying white-collar roles, and teachers are far from highly paid. Only 31% of these people made $100,000 annually at any time in their career, and one third NEVER made over six figures in any year, ever.<\/p><p>So who are these silent millionaires, and how did they get so rich?<\/p><h2>Millionaires are Made, Not Inherited<\/h2><p>The process for most millionaires is not inheriting an indecent sum of money from family. In the study, only 3% of current millionaires received an inheritance more than $1 million.\u00a0<a href=\"https:\/\/smartadviser.co.nz\/how-to-build-generational-wealth-and-keep-it\/\">We also know that 70% of family wealth is lost by the second generation, 90% by the third<\/a>, proving that inheriting wealth is no magic panacea.<\/p><p>It\u2019s highly unlikely that millionaires have a sudden burst of inspiration and create something that makes them millions; in fact, none of the millionaires surveyed said that a single-stock investment was a big factor in their wealth.<\/p><p>Most of these millionaires simply invested regularly. They didn\u2019t spend money they didn\u2019t have, and they avoided debt. That was it. Small efforts, over time, building up. Becoming wealthy is just following a process. Which is why engineers, chartered accountants, teachers, attorneys, and management are more likely to produce millionaires \u2013 they are used to working with and following a process.<\/p><h2>How Can You Become a Millionaire?<\/h2><p>The findings from this study show some really important things for you to do in order to become rich.<\/p><h3>Get an Education<\/h3><p>Higher education is important, but you don\u2019t need to go to Oxford or become alumni with a bunch of dudebros. The American study showed that two thirds of millionaires graduated from regular public schools. But what\u2019s really interesting is that 88% of millionaires got a tertiary degree, and 52% got a masters or doctoral degree. In the general NZ population, only 65% of people have a tertiary education.<\/p><p>It\u2019s not about where you study, but about your willingness to learn. Schools (and often parents) don\u2019t teach about personal financial management and how to grow wealth. You have to be a self-starter and teach yourself. This is why education is so important; you need to learn how to learn. Once you know that, your desire for knowledge and how you take it on board will make the difference.<\/p><h3>Invest in Kiwisaver or Equivalent<\/h3><p>80% of American millionaires saved, utilising their company\u2019s 401(K), which is the US equivalent of KiwiSaver. Those consistent savings grow over time, use the power of compounding interest, and form the basis for a healthy bottom line. Three quarters of millionaires said that making a habit of investing over time was their reason for success.<\/p><p>Also, start saving as soon as you can to take advantage of compounding interest. And, stick to your plans; prioritise saving over avocado on toast (actually, it\u2019s ok to have avocado on toast, your cholesterol will thank you. Maybe just choose the cheaper holidays or bottle of wine and save a few extra dollars a week).<\/p><h3>Don\u2019t Spend Money You Don\u2019t Have<\/h3><p>Warren Buffet famously has lived in the same house forever, drives the same car, and lives pretty frugally. That\u2019s a trend the study found repeated again and again\u2014while wealthy people no longer needed to stress about money, they were still very careful about how much they spent. And they don\u2019t care two hoots what anyone thinks of them. They don\u2019t participate in the \u2018keeping up with the Joneses\u2019 game.<\/p><p>94% of millionaires live on less than they make, and almost 75% of them had never carried over a credit card balance, ever.<\/p><p>Discretionary spending was managed well too, with these millionaires saying they spent a maximum of $200 on restaurants in any given month. 85% of these millionaires used a shopping list of some sort too.<\/p><h2>Set Yourself Up to Be a Millionaire<\/h2><p>While having a million dollars sounds pretty aspirational, at the heart of it, it\u2019s not a big scary goal. A millionaire may simply own a large home in Auckland and have substantial retirement savings. It\u2019s a realistic target for those looking to retire in NZ.<\/p><p>There is a big difference between how people think wealthy people got their money, and how they actually earn and spend their money. Don\u2019t let the myths convince you it\u2019s unattainable and get in the way of planning for your own wealthy future.<\/p><p>Create a process that makes it easy to save and invest, and hard to spend irresponsibly. Things like having a budget, setting up Kiwisaver for more than the minimum amount, and paying your savings accounts immediately after payday can all help keep you on track.<\/p><p>If you want to be a millionaire,\u00a0<a href=\"https:\/\/smartadviser.co.nz\/contact-us\/\">come and chat to us at Smart Adviser<\/a>. We can help you plan a budget, set targets, manage your money effectively, and set you up for success.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-558d8036 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"558d8036\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ef19787\" data-id=\"6ef19787\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-74b06a5a elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74b06a5a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5c140a7d\" data-id=\"5c140a7d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25ec5b76 elementor-widget elementor-widget-heading\" data-id=\"25ec5b76\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Request an Appointment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-494a006e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"494a006e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1751100d elementor-widget elementor-widget-spacer\" data-id=\"1751100d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1ab63fef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ab63fef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-75799c69\" data-id=\"75799c69\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4130467 elementor-widget elementor-widget-heading\" data-id=\"4130467\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Popular Post<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-288525a3 elementor-widget elementor-widget-elementskit-post-list\" data-id=\"288525a3\" data-element_type=\"widget\" data-widget_type=\"elementskit-post-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<ul class=\"elementor-icon-list-items ekit-post-list-wrapper \">\n\t\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/cutting-back-on-expenses-dont-muck-around-with-your-insurance\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cutting Back on Expenses? Don\u2019t Muck Around with Your Insurance<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/selecting-the-kiwisaver-fund-thats-right-for-you\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Selecting The Kiwisaver Fund That\u2019s Right For You<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/so-you-want-to-be-a-millionaire-you-can\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">So You Want to Be a Millionaire? You Can!<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/retirement-close-but-havent-started-saving-dont-panic-yet\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Retirement Close but Haven\u2019t Started Saving? Don\u2019t Panic. Yet.<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/im-young-no-need-for-retirement-planning-think-again\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">I\u2019m Young, No need for Retirement Planning.\u201d Think Again!<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3299567c elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3299567c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-29511fc0\" data-id=\"29511fc0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-576aea1a elementor-widget elementor-widget-heading\" data-id=\"576aea1a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meet Our Team<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-18c51965 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18c51965\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ca0f796\" data-id=\"2ca0f796\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67b7e34f elementor-widget elementor-widget-image\" data-id=\"67b7e34f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"451\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01.jpg\" class=\"attachment-large size-large wp-image-67\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01.jpg 450w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01-300x300.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01-150x150.jpg 150w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fcd6d97 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"5fcd6d97\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2e973fc3\" data-id=\"2e973fc3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cdff578 elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3cdff578\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\"><a href=\"#\">Tom Markowitz, PhD<\/a><\/h4><p class=\"elementor-image-box-description\">Dental specialist<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5f85ae60 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f85ae60\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51f1c275\" data-id=\"51f1c275\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a993e71 elementor-widget elementor-widget-image\" data-id=\"6a993e71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"451\" height=\"451\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03.jpg\" class=\"attachment-large size-large wp-image-69\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03.jpg 451w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03-300x300.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03-150x150.jpg 150w\" sizes=\"(max-width: 451px) 100vw, 451px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685a1832 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"685a1832\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41e5cadc\" data-id=\"41e5cadc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbc7c5e elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"fbc7c5e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\"><a href=\"#\">John Goines<\/a><\/h4><p class=\"elementor-image-box-description\">Chief Executive<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Blog So You Want to Be a Millionaire? You Can! May 20, 2023 One contributor Who wants to be a millionaire? Luckily, the odds are in your favour, and you don\u2019t need rich parents or to win a gameshow. We imagine millionaires to be people with luxury yachts, toting Louis Vuitton handbags, and snacking [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1198,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/comments?post=1196"}],"version-history":[{"count":4,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1196\/revisions"}],"predecessor-version":[{"id":1201,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1196\/revisions\/1201"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media\/1198"}],"wp:attachment":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media?parent=1196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/categories?post=1196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/tags?post=1196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}