Growing older is expensive - much more expensive than most people realise.&nbsp; When you or a loved one either decides to move into aged care or is forced to do so, the Ministry of Social Development will quickly swoop in to flip through all their finances.&nbsp; Any assets, gifted funds, trusts, even living rent free - it's all looked at and impacts their chances of government-subsidised care.&nbsp; LISTEN ABOVESee <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.

Shane Solly: Spots of recovery in the economy

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.