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Rangatahi Financial Wānanga

Ka pu te ruha, ka hao te rangatahi...

Te Pātaka Rawa

In association with Pūrangakura, we present Te Pātaka Rawa – a financial wānanga for rangatahi. Build confidence with money, set goals and plan for your future.

Register Your Interest
Te Pātaka Rawa cover

Rangatahi Kura

A financial Wānanga designed to supercharge financial knowledge for Rangatahi who are in secondary school preparing for the workforce.

Rangatahi Gen K

Born between 1995–2002, Rangatahi Gen K are the creative power entering the workforce. They are fearless and know no bounds.

Rangatahi Mahi

Charging forward, these are next year's leaders. They are young, brash and more than capable of being the next financial prodigy.

Rangatahi Kura financial wānanga cover

Rangatahi Kura Wānanga

What's Covered

Seven Modules to Money Confidence.

A hands-on wānanga that moves from money basics to real decisions, goals and a personal money challenge.

Module 01

Money, Choices & Your Future

View module
Module 02

Financial Fundamentals

View module
Module 03

Money Choices

View module
Module 04

Financial Goals

View module
Module 05

The CASHFLOW Game

View module
Module 06

10 Lessons From CASHFLOW

View module
Module 07

Reflection & Money Challenge

View module

Rangatahi Kura Wānanga

1

Module 1

Money, Choices & Your Future

Objective

An interactive start that explores how rangatahi feel about money, and how the money choices they make link to the future they want.

What We Explore

  • What money allows you to do
  • What matters most to you about money
  • How money choices connect to your goals and dreams

Outcomes

I understand my own attitude towards money
I can see how today's choices shape my future

Rangatahi Kura Wānanga

2

Module 2

Financial Fundamentals

Objective

Learn the core money concepts in simple, relatable terms, matched to situations rangatahi are likely to face.

Earning, Spending & Saving

  • Earning and managing money from work and other sources
  • Budgeting so you can cover needs and make informed choices
  • Saving regularly for emergencies and goals

Borrowing, Owning & Growing

  • Debt and borrowing, and the real cost of interest
  • Assets (what you own) versus liabilities (what you owe)
  • KiwiSaver and investing: growth over time, with risk
  • Building positive money habits early

Outcomes

I can explain seven core money concepts
I can match each concept to a real-life situation

Rangatahi Kura Wānanga

3

Module 3

Money Choices

Objective

Explore needs versus wants, and how everyday financial decisions can open or close future opportunities.

What We Explore

  • The difference between a need and a want
  • What influences the money choices we make
  • How a choice today can affect a future opportunity

Outcomes

I can tell a need from a want
I think before I spend

Rangatahi Kura Wānanga

4

Module 4

Financial Goals

Objective

Turn aspirations into clear SMART goals and identify the habits that will help reach them.

SMART Goal Examples

  • Short term (within 1 year): save $600 for a phone or clothes
  • Medium term (1 to 5 years): save $5,000 towards a first car
  • Long term (5+ years): save $20,000 for a home deposit, business or study

My Personal Goal

  • Choose one financial goal that matters to me
  • Understand why it is important
  • Pick a positive habit and one action to start early

Outcomes

I have set my own financial goal
I know the first step I will take

Rangatahi Kura Wānanga

5

Module 5

The CASHFLOW Game

Objective

Learn by playing Robert Kiyosaki's CASHFLOW game, based on Rich Dad Poor Dad. It is a safe space to make real-life money decisions without risking real money.

How the Game Works

  • Start in the “Rat Race” with a job, salary, expenses and debts
  • Buy assets such as shares, property or businesses
  • Handle unexpected expenses and financial challenges
  • Track every decision on a financial statement

The Goal

  • Build enough passive income to cover living expenses
  • Escape the Rat Race
  • Think beyond a wage: save, invest, manage debt and assess risk
  • Record what happened, what I decided and what I learnt

Outcomes

I understand income, expenses, assets and liabilities
I have practised money decisions with no real-world risk

Rangatahi Kura Wānanga

6

Module 6

10 Lessons From CASHFLOW

Objective

Reflect on the game and connect what happened on the board to your own financial journey.

Managing Money

  • Aim to be cash flow positive
  • Know where your money goes
  • Income and expenses work together
  • Saving creates a financial buffer
  • Financial goals give money direction

Building the Future

  • Assets can help build your future
  • Debt affects your choices
  • Investing involves decisions and risk
  • Unexpected events happen, so be prepared
  • Choices today affect future opportunities

Outcomes

I can name what the game showed me
I know which decision had the biggest impact

Rangatahi Kura Wānanga

7

Module 7

Reflection & Money Challenge

Objective

Bring the workshop and the game together, and leave with a clear next step.

What We Reflect On

  • My key lessons from Te Pātaka Rawa
  • One positive money habit I can start applying
  • The first action I will take

Outcomes

I leave with a personal money challenge
I have a clear first action
Rangatahi Gen K financial wānanga cover

Rangatahi Gen K Wānanga

What's Covered

Ten Modules From Payslip to Plan.

A practical wānanga for rangatahi in the workforce. Understand your pay, give every dollar a job, borrow wisely and grow your future.

Module 01

Money, Choices & Your Future

View module
Module 02

Your Pay and Where It Goes

View module
Module 03

Financial Fundamentals

View module
Module 04

Give Your Money a Job

View module
Module 05

Debt, Credit and Financial Choices

View module
Module 06

Smart Financial Choices

View module
Module 07

Saving vs Investing

View module
Module 08

KiwiSaver and Growing Your Future

View module
Module 09

My Money Plan and Recap

View module
Module 10

Wrap Up, Reflection and Money Challenge

View module

Rangatahi Gen K Wānanga

1

Module 1

Money, Choices & Your Future

Objective

Start by exploring what money means to you and how your choices link to the future you want.

What We Explore

  • What money enables you to do
  • What is important to you about money
  • How money choices connect to the future you want to create

Outcomes

I know what matters to me about money
I can link today's choices to my future

Rangatahi Gen K Wānanga

2

Module 2

Your Pay and Where It Goes

Objective

Read a sample payslip and see what you can actually plan with the money you receive.

Payslip Check

  • Gross pay: income before deductions
  • Deductions shown on the payslip
  • Take home pay: the amount paid to you

Start Planning

  • Spot one regular outgoing
  • Name one future priority
  • Money in − money out = what is available to plan
  • Tool: Sorted Budget Planner (sorted.org.nz)

Outcomes

I can read a payslip
I plan with my take home pay

Rangatahi Gen K Wānanga

3

Module 3

Financial Fundamentals

Objective

Match seven core money concepts to their meanings and revisit them throughout the day.

Earning, Spending & Saving

  • Earning and managing money
  • Spending and budgeting
  • Saving and setting financial goals

Borrowing, Owning & Growing

  • Debt, borrowing and interest
  • Assets versus liabilities
  • KiwiSaver and investing
  • Building positive habits early

Outcomes

I can explain seven core money concepts
I can match each concept to its meaning

Rangatahi Gen K Wānanga

4

Module 4

Give Your Money a Job

Objective

Use your take home pay to build a simple plan and choose one realistic change.

What We Explore

  • Needs versus wants, with examples
  • Regular commitments and flexible wants
  • Money in, money out and what is left to plan

Take Action

  • Pick one flexible expense to adjust
  • Give your money a clearer job
  • Tool: MyBudgetPal by Booster

Outcomes

I have a basic money plan
I know one change I can try

Rangatahi Gen K Wānanga

5

Module 5

Debt, Credit and Financial Choices

Objective

See how borrowing, interest and commitments affect the rest of your money plan.

What We Explore

  • What influences your money decisions
  • How today's choices shape future opportunities
  • Credit reports and scores (centrix.co.nz)

Afterpay Scenario

  • Which payments are now committed
  • What happens if a payment is missed
  • Which goal could be delayed

Outcomes

I understand the real cost of borrowing
I think through commitments before I buy

Rangatahi Gen K Wānanga

6

Module 6

Smart Financial Choices

Objective

Use four simple questions to test any money decision and link it to what you want to build.

The Four Questions

  • What is the commitment?
  • What will it mean for my money plan?
  • Does it support my future goal?
  • What is the smart choice for me?

Outcomes

I have a simple decision checklist
I know one action I can start early

Rangatahi Gen K Wānanga

7

Module 7

Saving vs Investing

Objective

Compare purpose, timeframe, access and risk to decide where each goal fits.

Compare

  • Short term goals and where they fit
  • Longer term goals and where they fit
  • Saving or investing, and why

My Goal

  • One financial goal that matters to me
  • Why it is important
  • A positive habit to move towards it
  • One area of money I want to learn more about

Outcomes

I know when to save and when to invest
I have a goal and a habit to support it

Rangatahi Gen K Wānanga

8

Module 8

KiwiSaver and Growing Your Future

Objective

Explore KiwiSaver funds that suit your timeframe and comfort with risk.

What We Compare

  • Fund type versus timeframe and risk
  • Fees and services
  • Contributions
  • Tool: Sorted KiwiSaver Fund Finder

Outcomes

I know what to check before choosing a fund
I feel confident exploring KiwiSaver

Rangatahi Gen K Wānanga

9

Module 9

My Money Plan and Recap

Objective

Bring everything together into one personal money plan.

My Money Plan

  • What comes in: take home pay
  • Where it goes: needs, commitments, wants
  • What I will build: saving, investing, future goal
  • One gap or next step to work on

Outcomes

I have a complete money plan
I know my next step

Rangatahi Gen K Wānanga

10

Module 10

Wrap Up, Reflection and Money Challenge

Objective

Share one key learning and leave with a clear action and a weekly money challenge.

What We Reflect On

  • My key lessons from Te Pātaka Rawa
  • One positive money behaviour to start applying
  • What I will do first
  • My Money Challenge this week

Outcomes

I leave with a personal money challenge
I have a clear first action
Rangatahi Mahi financial wānanga cover

Rangatahi Mahi Wānanga

Making Your Money Work for You · Online via Zoom

Eight Modules to Make Your Money Work.

A practical online wānanga for working rangatahi. Understand your income, make informed choices and leave with your own money plan.

Module 01

Your Pay & Where It Goes

View module
Module 02

Give Your Money a Job

View module
Module 03

Debt, Credit & Financial Choices

View module
Module 04

From Income to Wealth

View module
Module 05

Buying Your First Home

View module
Module 06

Investing

View module
Module 07

My Money Plan

View module
Module 08

Wrap-Up & Future Learning

View module

Rangatahi Mahi Wānanga

1

Module 1

Your Pay & Where It Goes

Objective

Explore what money enables and how income and deductions shape your take-home pay.

What We Explore

  • What money enables you to do
  • What comes in and what is taken out
  • What is important to you about money
  • How money choices connect to your future

Outcomes

I understand my take-home pay
I know what matters to me about money

Rangatahi Mahi Wānanga

2

Module 2

Give Your Money a Job

Objective

Connect core money concepts to a simple plan for using your income.

Core Concepts

  • Earning and managing money
  • Spending and budgeting
  • Saving and financial goals
  • Debt and borrowing
  • Assets and liabilities
  • KiwiSaver and investing
  • Building positive habits early

Everyday Choices

  • Needs versus wants, with examples
  • What influenced a recent money choice
  • How today's choices shape future opportunities

Outcomes

I can explain core money concepts
I have a basic plan for my income

Rangatahi Mahi Wānanga

3

Module 3

Debt, Credit & Financial Choices

Objective

See how borrowing, interest, repayments and credit affect your options.

What We Explore

  • The real cost of borrowing and interest
  • How missed payments or high debt affect your future
  • What to check before using credit

Outcomes

I understand how interest adds up
I check before I borrow

Rangatahi Mahi Wānanga

4

Module 4

From Income to Wealth

Objective

Compare saving, KiwiSaver and investing by timeframe, access to money and risk.

My Goal

  • One financial goal that matters to me
  • Why this goal is important
  • A positive habit to move towards it
  • What I can start early through saving, KiwiSaver or investing

Outcomes

I know when to save and when to invest
I have a goal and a habit to support it

Rangatahi Mahi Wānanga

5

Module 5

Buying Your First Home

Objective

Map out the steps toward your first home. Your goals and lender requirements shape the plan.

Get Ready

  • Get your budget sorted
  • Build a buffer and a regular deposit saving habit
  • Weigh paying down debt against saving a deposit

Take the Next Steps

  • Check KiwiSaver first-home withdrawal with your provider
  • Get pre-approved and ask the right questions
  • Set a price range, compare homes and seek advice

Outcomes

I know the steps to my first home
I know what to prepare for a lender

Rangatahi Mahi Wānanga

6

Module 6

Investing

Objective

Explore how investments earn income or grow in value, and compare costs, timeframes and risk.

Key Ideas

  • Return on investment
  • Passive income: rent, dividends and interest

Going Further

  • Positive and negative gearing
  • Shares, research and diversification

Outcomes

I understand how investments make money
I know the risks to research first

Rangatahi Mahi Wānanga

7

Module 7

My Money Plan

Objective

Put it all together and choose the next steps in your personal money plan.

My Plan

  • My key lessons from Te Pātaka Rawa
  • One positive money behaviour to start
  • What I will do first

Outcomes

I have a personal money plan
I have a clear first action

Rangatahi Mahi Wānanga

8

Module 8

Wrap-Up & Future Learning

Objective

Reflect on today and find where you can keep building your money skills.

What We Reflect On

  • One idea I want to remember
  • A money topic I want to learn more about
  • Who or what can support my next step

Outcomes

I know what to learn next
I know where to get support
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