Hannah McQueen: Die with $0. The theory is simple, the psychology is brutal

PremiumOpinionOpinion byHannah McQueenNZ Herald·25 Aug, 2026 08:00 PM8 mins to readBefore planning a luxury cruise, it would be wise to set aside money for the future. Photo / GettyBefore planning a luxury cruise, it would be wise to set aside money for the future. Photo / GettyTo spend or not to spend? That is the question.In my advising days, clients tended to fall into two camps. Those determined to spend the lot and enjoy it, and those who would rather go without if it meant preserving more for the kids.

The sensible answer sits somewhere

Hannah McQueen: Die with $0. The theory is simple, the psychology is brutal

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