According to a recent Kiwibank survey, 28% of New Zealanders cannot cover an unexpected $500 bill without borrowing money, using a credit card, or selling something. That number doesn't surprise me.

My name is Shane Lee. A few months into working in Auckland, my first payday disappeared faster than I expected. Rent, groceries, transport — gone. I remember thinking: if I stop working, I stop earning. That was it.

So I started learning.

I hold a Bachelor of Commerce majoring in Finance, along with Xero certifications, and I work in the accounting industry. I'm not a financial adviser, but I built CLIFF Edge Finance to share what I've actually learned, in plain language, without any complex terms.

CLIFF exists because too many hardworking New Zealand professionals are one bad financial decision away from the abyss, and nobody is pulling them back.

We meet them where they are: steady pay, big intentions, little guidance. We strip away jargon, build simple systems, and show practical steps that work every month. Small choices become predictable progress. Confidence replaces confusion. Safety nets grow. Wealth starts to compound.

CLIFF Edge Finance is here to provide financial clarity for young Kiwis who want to turn steady pay into real progress — simply, efficiently, consistently.

Ready to start? Read our first article: [Investing 101: Where to Start When You Have Never Invested Before →]