Feel like you’re working hard but not getting ahead?
Wondering if you’re doing the right things with your money — or just hoping it’ll all work out one day?
You’re not alone.
That’s exactly where I was when I started this site.
Why I Started Passive Income NZ
Passive Income NZ is where I share my journey to financial independence through investing and generating passive income so that you can fast track your own journey. Back in 2011, I was 22, fresh out of uni with two degrees — and a mountain of student loan debt. I jumped into full-time work and, before long, added a mortgage on top of it all.
Like a lot of Kiwis, I thought I was managing. But deep down, I knew I was just drifting — spending without intention and telling myself I was on the path to financial independence without actually measuring anything.
So I made a change.
I started tracking everything: spending, saving, investing, and progress toward financial goals. I created Passive Income NZ to hold myself accountable — and to share the journey openly. Over time, it became a place to reflect, learn, and connect with others doing the same.
What You’ll Find Here
This site is about real-world lessons in financial independence — from someone still on the journey.
I share:
- What’s worked (and what hasn’t)
- How I track progress and performance
- How to start building passive income from scratch
- Simple investing strategies for everyday Kiwis
- Mindset shifts that help you stay on track
Yes, we’ll cover investing basics. But I’ll also go deeper into habits, behaviours, and small decisions that shape long-term outcomes — the things that actually move the needle.
My Philosophy
I believe:
- You don’t need to be rich to build wealth.
- You can grow passive income and still enjoy your life.
- Financial independence isn’t about retiring early — it’s about having options.
It’s not always easy. But it’s possible — even if you’re starting with debt, doubts, or nothing at all.
A Bit About Me
I’m a numbers-driven introvert who gets a strange amount of satisfaction from tracking spending and forecasting long-term returns. I’ve paid off my student loan, knocked down a good chunk of my mortgage, and learned a lot along the way — mostly by doing.
But this isn’t just about money.
It’s about what money can do for your life: time, freedom, travel, less stress, more choice.
And I’m still learning, just like you.
