The housing market is in a slump .. shops are struggling .. inflation is rising and energy bills are through the roof for many.
Despite recent interest rate cuts and a slight uptick in consumer spending, things seem bleak.
But is there room for optimism amid all this unpredictability and uncertainty?
Sharon Zöllner is Chief Economist at ANZ New Zealand and joins Jesse to find the hope.
ANZ chief economist Sharon Zollner. Photo: ABC / Luke Bowden