He’s back! We finally tracked him down and ask him what he is seeing out there. In this episode, Mikey Smith (mortgage advisor & CEO of Guardian Smith) joins us to unpack the current state of the New Zealand economy. We dive into the key changes from the recent Budget, what’s happening in the mortgage and housing market, and the bigger picture of where we’re at in the economic cycle. Are we past the worst of it? Could things start to pick up in late 2025? We bloody well hope so! Get real insights from the ground and a clear-eyed take on what’s shaping the future for Kiwis. Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change.