Top 12 Financial Traps of 2026, Ranked by NZ Advisers | EP23

The whole Blueprint Finance team put their heads together to rank the 12 biggest financial traps Kiwis are falling into right now. Some are obvious. Some will surprise you. #1 might change how you think about money entirely.

We count down all 12 — plus two KiwiSaver honorable mentions that almost made the list.

🗓️ WHAT WE COVER: ▸ #12 — Never reviewing your will (and why your kids pay the price) ▸ #11 — Online financial scams targeting older Kiwis (up 29% in 24 months) ▸ #10 — Car loans killing your mortgage serviceability ▸ #9 — Fixing your mortgage rate for too long ▸ #8 — Assuming ACC covers everything (it doesn't) ▸ #7 — Never reviewing your insurance cover ▸ #6 — Buying insurance based purely on price ▸ #5 — Credit defaults and unpaid debts ▸ #4 — Cutting expenses instead of growing income ▸ #3 — Chasing interest rates while ignoring loan structure ▸ #2 — Buying based on what the bank will approve — not what you can actually live on ▸ #1 — The trap 80% of Kiwis are stuck in right now ▸ KiwiSaver honorable mentions: panic-switching funds + wrong fund allocation

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⏱️ CHAPTERS: 00:00 The Top 12 Financial Traps of 2026 01:02 #12 — Never Reviewing Your Will 07:40 #11 — Online Financial Scams 11:21 #10 — Car Loans & Serviceability 15:07 #9 — Fixing Your Mortgage Rate Too Long 20:16 #8 — Assuming ACC Covers Everything 25:35 #7 — Never Reviewing Your Insurance 28:30 #6 — Buying Insurance on Price Alone 31:12 #5 — Credit Defaults & Unpaid Debts 36:51 #4 — Cutting Expenses Instead of Growing Income 42:16 #3 — Chasing Rates, Ignoring Loan Structure 43:53 #2 — Buying Based on Bank Approval 52:01 #1 — Doing Nothing

Blueprint Finance is an independent mortgage, insurance, and KiwiSaver advisory firm based in Auckland, New Zealand. We're authorised under the Financial Service Providers Register and operate under a Financial Advice Provider licence. This content is for educational purposes and does not constitute personalised financial advice.