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OPINION: Five of the top columns of the year from Mary Holm.

OPINION: There are situations when you may not need to pay for insurance.

OPINION: Mary Holm says there are two things to consider.

OPINION: There two ways to get help – through either a mentor or an adviser.

OPINION: It's tough losing your mum at a young age.

OPINION: About 25% of employers count KiwiSaver in total pay, cutting its benefit.

OPINION: It's not like buying a car, coat or a catamaran.

OPINION: Even 'good debt' can undo your wealth plan.

OPINION: The rent-versus-buy call is often a lifestyle choice, not clear maths.

OPINION: Getting a mortgage at that age could be difficult.