Bestselling author and New Zealand's most trusted financial expert on how to make your money work in the real world We live in uncertain times. But this need not affect how you can make the most of your money. New Zealand's most trusted money expert, Mary Holm, is here to guide you. Shares vs property, timing the markets, relationship issues, following your dreams, house prices, index funds, KiwiSaver, mortgages, helping out the kids... how much will be enough for retirement? Mary has it covered. This is a book for everyone - from the overly cautious savings champion, to the cash-strapped first-home buyer, to the enthusiastic new share market investor. Drawing on the many hundreds of letters written to her by concerned Kiwis over the last few years, Mary shows us how our money can work for us, in the real world.