Last week the Reserve Bank dropped the OCR 25 basis points to 2.25%, but their tone was a bit more hawkish than usual.&nbsp; Some analysts are thinking it's a signal that rates have gone as low as the RBNZ is willing to drop them - and the new Governor may be wanting to turn a new leaf in 2026.&nbsp; LISTEN ABOVESee <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.

Jannet Xuccoa: When's the right time for a trust?

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.