OPINION: There are situations when you may not need to pay for insurance.

OPINION: Mary Holm on inheritances, shares for uni students and the red-hot CGT debate.

OPINION: Holm also tackles student loan controversy, staff shares and big dividends.

One student wants to use her loan for a home deposit.

OPINION: If the $1m estimate were correct, a big proportion of retirees would struggle.

OPINION: With interest rates on the way down, what should you do?

OPINION: Plus, Lotto chief executive explains how people react to winning big.

OPINION: It might not be as straight forward as you think.

OPINION: Why it's not a good idea to flick in and out of shares.

The story didn't end well for everyone. Expert on what you should do with winnings.

OPINION: It's never too soon to learn the value of saving money rather than spending it.

OPINION: Tax cuts and lower mortgage rates provide opportunities.

A KiwiSaver fund could be a good option if she wants to buy a house.

OPINION: You could try being a business mentor or sitting on a not-for-profit board.

OPINION: And what happens when your daughter turns 65?

OPINION: Want a better chance at winning something?

OPINION: Loneliness after winning the lottery is not all that surprising.

OPINION: Let's not start an all-out intergenerational war.

OPINION: It seems that many people are too cautious, and regret it later.

OPINION: Financial advice and common sense.

OPINION: It can be sad the way unequal treatment in a family can cause upset.

OPINION: There are plenty of other advantages in keeping your payments up.

OPINION: All over the country, workers are worrying about losing their jobs.

OPINION: If you pay a lot and claim little, count yourself lucky, rather than ripped off.

OPINION: If the $1m estimate were correct, a big proportion of retirees would struggle.

OPINION: Start out saving a big portion of your pay while you can still live on little.

OPINION: How to balance debt repayment and investment growth in NZ.

OPINION: The key is to let young people make mistakes early on.

OPINION: For a growth fund, you could shift it 10 years before you plan to spend it.

OPINION: Savings scheme outperforms term deposits in the long run.

OPINION: Getting into the right fund from the start can help you buy a house.

OPINION: What to do with high-performing - but risky - investments.

OPINION: I am a born saver but my husband is a born spender.

OPINION: Mary Holm says there are two things to consider.

OPINION: But make sure you have emergency savings first.

OPINION: A reverse mortgage could also be an option.

OPINION: Higher interest rates and stress may not be worth it.

OPINION: Some people hire accountants just to pay less but there is a downside.

OPINION: He is 69 and is starting to have a few health issues.

OPINION: Five of the top columns of the year from Mary Holm.

OPINION: Plus inspiring letters from readers to help get you on the right track.

OPINION: Trying to avoid paying fees may not be worth it in the long run.

OPINION: I’m not sure how to make my remaining $140,000 in savings grow.

OPINION: Houses have been gentrified out of reach for some people to buy, a reader says.

OPINION: No clear winner between investment property and a share fund.

OPINION: Some words of wisdom for a beginner.

OPINION: I’ve been bothered for some time about property valuations.

Exercise can pay dividends too.

OPINION: How an incentive system seemed to work for one family.

OPINION: I'm 53 and have been in a conservative fund for years. Should I make the switch?

OPINION: A DIY funeral could save you thousands of dollars.

OPINION: People who move properties don't always take on bigger mortgages.

OPINION: There's a secret tip that can help you get ahead faster.

OPINION: Why you need easy access to $15,000.

OPINION: I bought at the peak of the market in 2021 but now stand to make a loss.

OPINION: Should I put all my daughter's KiwiSaver in a growth fund?

OPINION: Tattoos can mean a lot to others.

OPINION: Money travels around whatever you do with it.

OPINION: And help! I put $300k in my KiwiSaver account and promptly lost $10,000.

OPINION: When the division of an estate comes between families.

OPINION: Some businesses don't charge for contactless payment, but others do.

OPINION: I'm considering packing up my life and becoming a digital nomad in Asia.

OPINION: The owner is 63, his carer and sibling - with no ownership of the home - is 60.

OPINION: No child should expect an inheritance, writes one reader.

OPINION: Has anyone ever got into a good investment through a phone call from a stranger?

OPINION: My bank will not allow a 16-year-old customer to open a term deposit.

OPINION: When strawberries are cheap, we buy more. What about managed fund units?

How does your provider stack up over a long period?

OPINION: A good example of another use for a reverse mortgage.

Reverse mortgage eats into couple's equity leaving them with limited choices.

When the boss won’t come to the party, it’s time for some DIY saving.

If one real estate investment beats KiwiSaver, that doesn’t mean they all will.

Why waste money in the shops, when you could be investing in your future?

Real estate good, managed funds bad? Not for one reader.

The key thing is to stay invested for the long term.

Some of the readers who've said this column has helped them over the years.

Our money columnist looks back on a quarter-century of your questions.

OPINION: Employee share schemes can work well - but consider selling when you can.