Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. 

This week we’ve partnered up with Kiwibank, which has kindly leant us their expert Hayley Tito, senior product manager for everyday banking, and we’re talking parenthood and how that changes your finances.

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