Where's My Money Season 3, Episode 6

Season Three of the multi-award-winning podcast Where’s My Money? is done and dusted, and here we bring you the hot tips shared by host Reagan White and his guests over the season. 

enable.me partners with rova to bring this podcast to life and stimulate the conversation about finances with everyday Kiwis. Where’s My Money? follows the story of Reagan – a man chasing the Kiwi Dream but feeling stuck living month-to-month – and his discussions with the experts about what he may be doing wrong and how to fix it.  

One man. One million dollars of debt. One podcast to find a way out.  

The real cost of protection 

Insurance isn’t the sexiest topic in the financial world – it doesn’t spark excitement the way buying your first home or investing might. But when life hits unexpectedly, it can be the thing that saves you – financially and emotionally. In this powerful and deeply personal episode, host Reagan White is joined by Alex Chiet, who shares his firsthand account of what happens when the unthinkable becomes your reality. 

Alex was diagnosed with a rare, aggressive cancer with just a 2% survival rate. Suddenly, every part of his life changed – including the way he viewed money, risk, and the true value of protection. 

“If you can remove some of the financial stress… that helps you focus on the medical side of things, the treatment and support.” 

Alex’s diagnosis required urgent, world-class treatment – and the best option lay halfway across the world in Canada. The question was no longer whether he could handle this emotionally and physically, but how would he afford to even try? 

Income protection is more than a line item 

For many of us, insurance is something we set up and forget about – if we’ve even set it up at all. But Alex’s story is a wake-up call to the real power of income protection. While it’s easy to dismiss monthly premiums as just another cost, they can be the difference between devastation and survival. 

With help from his income protection policy, the support of a close friend who launched a Givealittle campaign, and funds accessed through KiwiSaver, Alex was able to cover the enormous financial burden that came with his life-saving treatment. 

“That helped us be in the position we’re in now, today, still here.” 

Why it pays to have someone in your corner 

When disaster strikes, it’s not just about whether you have insurance – it’s about whether you know how to use it. In Alex’s case, financial adviser Willie Moala from AdviceFirst became a critical support figure, helping to navigate the often confusing fine print of insurance policies. 

“Willie just walked us through it… slowly worked us through what we had and what that meant. It felt like we had someone on our side, which was really nice at a time where you’re not thinking clear and you’re processing a lot of stuff.” 

This episode highlights how important it is not just to have cover, but to understand it – or to have someone in your corner who does. The role Willie played meant Alex and his family could focus on his health, rather than being overwhelmed by paperwork and policy conditions. 

What would you do if everything changed tomorrow?

Alex’s story isn’t just about survival – it’s about preparedness. Most of us hope we never need to rely on insurance, but hope is not a plan. For those of us working, parenting, building a life – having a financial buffer can be the difference between keeping your life on track or losing everything you’ve worked for. 

This episode is a must-listen for anyone who’s ever wondered if insurance is really “worth it.” As Alex proves – it’s not about planning for what might happen. It’s about protecting your future from what could. 

Watch or listen to the full episode to hear more about Alex’s journey, how his finances were tested and triaged in a time of crisis, and why insurance might just be the lifeline you don’t know you need. 

Disclaimer: The Where’s My Money? podcast and the information shared by host Reagan White and his guests does not constitute individual financial advice. If you’re interested in receiving financial advice, you can book a consultation with an enable.me coach. Costs apply.