Heidi lives in sunny Sydney with her husband, daughter, and dog Gonzo, where she likes to swim, rock climb, sew and mountain bike. She grew up in beautiful New Zealand, famous for 'kiwi ingenuity'-and of course rugby! -and also spent 2 1/2 years living in and wandering around England and Europe. She loves hanging out with family, travelling, tasting new foods, and exploring everything life has to offer. She doesn't believe in missing out, just because you have a bit less in your pocket either! Growing up, her family was not well off and as she got older she was terrible with money. Over the years she has learnt to adapt to what life throws at her, and be savvy with her money. This life long battle has morphed into an understanding and knowledge of money, and finance as a whole, that she doesn't think people who grow up with a bit more can usually empathize with.