“Single mum at 46, how do I avoid poverty at 70?” Mailbag episode

If you’ve pushed money aside for years, only to wake up in your mid-40s with a toddler, a tiny KiwiSaver balance, and a creeping fear about what life looks like at 70… where do you even begin?

That’s the heart of today’s Ask the Experts letter.

A single mum at 46 is saving just a few dollars a week, working part-time, and terrified that she’s already run out of time to build any kind of financial safety.

So what are the options when you’re starting late, starting sma...