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This week financial journalist and author Mary Holm talks to Jesse about the latest Canstar Consumer Pulse report. It shows that 55% of New Zealanders are spending more than they earn.

New Zealand's inflation rate has hovered around 2 percent for most of this century, but experts say it could reach 7 percent this year. Financial journalist Mary Holm offers some advice for people worried about how to secure their money in the face of rising inflation and wobbly sharemarkets.

Today Mary talks about why comparing returns on rental property and shares is tricky. She explains that people usually borrow to invest in rental property, and most don't in shares. Borrowing to invest is called gearing in NZ, leveraging in the US. If you borrow, you get growth on the bank's money as well as your own. So she says a geared rental property is likely to bring higher returns than an ungeared share investment. But Mary warns there are other pitfalls to think about.

Mary talks to Jesse about dividend reinvestment and how to grow your shareholdings painlessly. The idea is that instead of shareholders being given a cash dividend they are given more shares instead.

Today Mary talks about why everyone should be in Kiwisaver and how to do it well. She says that age is no barrier to having a Kiwisaver account. She also has some tips on how to keep an eye on your provider and the fees they are charging.

Today Mary Holm talks to Jesse about the New Zealand share market's current downward trend and what to do when your KiwiSaver value wobbles.