A collage with graph paper background features McDonald's fries, a golf bag with clubs, socks, dollar signs, and spreadsheets. Text on the left reads "THE COST OF BEING" in bold colors.
Image: The Spinoff

SocietyJuly 1, 2025

The cost of being: A ‘frugal’ pharmacist and dad who’s hoping to retire by 50

A collage with graph paper background features McDonald's fries, a golf bag with clubs, socks, dollar signs, and spreadsheets. Text on the left reads "THE COST OF BEING" in bold colors.
Image: The Spinoff

As part of our series exploring how New Zealanders live and our relationship with money, a 34-year-old ‘worrier’  describes his approach to spending and saving.

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Gender: Male.

Age: 34.

Ethnicity: Japanese.

Role: Pharmacist and dad of three kids.

Salary/income/assets: Household income is $80k, assets $500k.

My living location is: Suburban.

Rent/mortgage per week: Own home with no mortgage.

Student loan or other debt payments per week: $40k student loan.

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Typical weekly food costs

Groceries: $400 for a family of five and a dog.

Eating out: $5. We seldom eat out as our kids are still little.

Takeaways: $30 – sometimes we get McDonald’s or fish n chips.

Workday lunches: Always bring last night’s leftovers.

Cafe coffees/snacks: Make coffee at home.

Other food costs: $5 for vege garden.

Savings: We save between $500-$700 a week. Mainly saving for retirement. Hoping to retire early by 50.

I worry about money: Always.

Three words to describe my financial situation: Comfortable. Intentional. Frugal.

My biggest edible indulgence would be: McDonald’s.

In a typical week my alcohol expenditure would be: $0.

In a typical week my transport expenditure would be: $100 for petrol and parking.

I estimate in the past year the ballpark amount I spent on my personal clothing (including sleepwear and underwear) was: $100 on undies and socks. Nothing exciting.

My most expensive clothing in the past year was: $28 on twin pack of Bonds undies.

My last pair of shoes cost: $20. New Balance casual shoes. Found on Marketplace and basically new condition.

My grooming/beauty expenditure in a year is about: $0. My wife cuts my hair.

My exercise expenditure in a year is about: $80 for new shoes. $500 for football membership. $300 for golf.

My last Friday night cost: Nil. Stayed at home.

Most regrettable purchase in the last 12 months was: I bought my sports shoes online but they were half a size too small. Still use them but not as comfortable as they could have been.

Most indulgent purchase (that I don’t regret) in the last 12 months was: New golf grips. $150.

One area where I’m a bit of a tightwad is: Everywhere. I’m always trying to buy things at the cheapest price.

Five words to describe my financial personality would be: Frugal. Thoughtful. Worrier. Learner. Indexer.

I grew up in a house where money was: My parents were well off and spent money on the things they cared about (food, travel, education) but cut costs everywhere else. We never had to worry about money but also never felt rich as my parents would mainly only buy needs not wants. 

The last time my Eftpos card was declined was: Never.

In five years, in financial terms, I see myself: Having more money in investments but still saving for retirement. Hopefully having more options like working part time or changing to a new job that I’ll enjoy more.

I would love to have more money for: Giving to others and travel.

Describe your financial low: A few years ago when my first child was born we moved cities and I had no job for a few months. Financially we went through a lot of our savings but emotionally it was worth it to spend time at home.

I give money away to: I give to any fundraisers that people I know are doing. Like school ones or friends doing Movember. I also give to friends and family who have kids or birthdays.

Keep going!
A silhouetted person stands facing two versions of the New Zealand coat of arms, with a large question mark above, suggesting a choice or uncertainty about national identity.
Image: The Spinoff

OPINIONSocietyJuly 1, 2025

Prominent New Zealander strikes again

A silhouetted person stands facing two versions of the New Zealand coat of arms, with a large question mark above, suggesting a choice or uncertainty about national identity.
Image: The Spinoff

The list of crimes attributed to Prominent New Zealander would make Al Capone blush.

The news sent shockwaves across the nation. It quickly rose to the top spot on RNZ’s website, then spread, inexorably, to the Otago Daily Times. Discussions sprang up on Reddit. Posts trickled out on X. Minions memes continued to dominate Facebook. The clamour was loud and persistent; the offending predictable, inevitable. Prominent New Zealander had struck again.

Few people have been credited in the media with as many misdeeds as the prolific offender known as Prominent New Zealander. Their decades-long crime spree would make Al Capone blush. Its genesis may have been a 1927 case, when a man described as a prominent Onehunga resident pleaded guilty at the Police Court to a charge of drunk driving. Since then, the offending has spread far from its Auckland epicentre, extending to any cranny that prominence can touch.

The crimes have, if anything, picked up. In 2015, a person described as Prominent New Zealander appeared in court on a number of secret charges. The media has continued to attribute alleged crimes to Prominent New Zealander, notably in 2016, 2017 and 2019.

The name Prominent New Zealander is, of course, a pseudonym given out by news organisations when someone vaguely connected with the concept of fame is granted name suppression by the courts. There’s strong evidence it is in fact multiple people. In January, after years of appeals in multiple courts, a “prominent political figure” who committed sexual assault was named as former Act Party president Tim Jago. A similar process played out before a “prominent businessman” and abuser could be referred to by his true name, James Wallace. 

Often though, the identity of a Prominent New Zealander is never revealed. In 2014, a Prominent New Zealander was discharged without conviction and granted permanent name suppression after admitting to sexually assaulting a woman in Queenstown. A “leading entertainment figure” still has name suppression after being convicted of sexual offences. A “well-known musician” retains name suppression after being convicted of domestic violence.

This secrecy causes problems for the prominent community, which is often the subject of wild rumour and speculation when a Prominent New Zealander is before the courts. In trying to protect the privacy of a single alleged offender, courts routinely besmirch the reputations of hundreds of other vaguely celebrity New Zealanders. The issue was particularly pernicious during Jago’s trial, where media organisations eventually took to clarifying the alleged offender wasn’t a sitting member of parliament, presumably to ward off a portion of the online innuendo. 

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The suppression also has an impact on the non-prominent, or “peasant”, community, mainly as an ongoing reminder of the justice system’s inequities. As former justice minister Kiri Allan bemoaned on Q&A in 2021, name suppression gets given out to people with the means to fight for it in New Zealand. Poorer people don’t get the chance to go by Prominent New Zealander. They tend to appear in court under their government name. The disparity cuts along intersecting economic and racial lines, with Pākehā getting suppression at three times the rate of Māori

Even if Prominent New Zealander isn’t one person, they’re certainly representative of a single, two-tiered, system; one where the wealthy, connected or well-known get to hide their identities behind alleged prominence, while less well-heeled are left to fend for themselves. Other countries seem to get by without such stringent restrictions. Maybe if they were less assured of their anonymity, a Prominent New Zealander would be less likely to offend in the first place.