Each week, BusinessDesk and the NZ Herald’s Cooking the Books podcast tackles a different money problem. Today, it’s how sole traders can still protect their future finances in a tough economic environment. Hosted by Frances Cook.

The sole trader, self-employed community is one I’m a huge fan of.

About 20% of New Zealand's workforce dare to go out on their own, taking the risk of flying solo to get the reward that can be a higher pay packet.

But the finances of it can be tricky, and not plain sailing, particularly in the current economy.

Tax service Hnry recently surveyed its members and found 44% are uncertain about their retirement prospects.

It found 38% of them say they’ve never put money into KiwiSaver, with many saying there isn’t enough cash to do it.

This is a worry because financial stability is pretty important for keeping that sole trader dream alive and even just for living a happy, lower-stress life.

For the latest podcast, I talked to Hnry chief executive and co-founder, James Fuller.

For the interview, listen to the podcast here.

If you have a question about this podcast or a question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here, Instagram here, and Twitter here.

Listen to the full interview on the Cooking the Books podcast. You can subscribe on iHeartRadio, Apple Podcasts, or Spotify.