If your employer doesn't contribute extra to your KiwiSaver, is there any point being in the scheme? It's a question that gets to the heart of what KiwiSaver is for, and whether some New Zealanders might be better off investing elsewhere.

In this episode, Susan answers questions about:

• Whether KiwiSaver is worth it if you're on a total remuneration package
• The pros and cons of investing outside KiwiSaver
• Whether a 46-year-old is too old to switch to an aggressive KiwiSaver fund
• What to consider when deciding whether to keep life insurance after 65
• Whether a motel can charge a 3 percent surcharge on debit and credit card payments
• Alternatives to using credit cards overseas, including Wise cards

If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz

Go to this episode on rnz.co.nz for more details