<?xml version="1.0" encoding="UTF-8"?><oembed><type>video</type><version>1.0</version><html>&lt;iframe src=&quot;https://www.loom.com/embed/06e9defd53b2462a9456eac1de894857&quot; frameborder=&quot;0&quot; width=&quot;1920&quot; height=&quot;1440&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1440</height><width>1920</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1440</thumbnail_height><thumbnail_width>1920</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/06e9defd53b2462a9456eac1de894857-25cc57188cfb39f7.gif</thumbnail_url><duration>1980.92</duration><title>Future Planning and Wealth Creation</title><description>This Loom explains a three lever wealth strategy focused on building and investing the gap between income and spending. The presenter describes paying yourself first by automatically sweeping surplus from a spending account into a grow investment account, noting that the gap builds wealth more than income size. He contrasts investing outcomes using the same $500 per month, showing about $416,000 after 30 years at 5% versus about $745,000 at 8%. The Loom also covers protecting wealth with cash buffers, insurance, and getting debt under control, then finishing with planning your number and simple next steps like calculating net worth, automating a KiwiSaver investment, and reviewing your plan and structure.</description></oembed>