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b'Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you believe and see what might help you as well.

This is a re-release of an earlier podcast that other listeners have found very useful.

Hey thanks for listening! Please take some form of action from this content, don\\u2019t just be a consumer, become a producer! Make sure you\\u2019re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let\\u2019s get on with it.

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