This week on Smart Money we were joined registered financial and mortgage advisor Malcolm Knight.<br>We discuss the issue of working for free is it just exploitation or fantastic opportunity? We also tackle the OCR rates being cut this week. What does this mean for first-time buyers? <br>LISTEN TO THE FULL DISCUSSION WITH THE WEEKEND COLLECTIVE ABOVE<p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>

Tom Hartmann: So many people are in the wrong Kiwisaver funds

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.