A lot of people think trusts are only for the very wealthy, and absolutely useless for the every day person - but today's guest explains that's not the case.&nbsp; LISTEN ABOVESee <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.

Martin Hawes: "No incentive for self-employed people to join KiwiSaver"

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.