Cooking The Books

OPINION: Each week the New Zealand Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's celebrating Kiwisaver's birthday with the biggest dos and don'ts. Hosted by Frances Cook.Happy birthday, KiwiSaver. You're now 10 years old, and if my childhood memories serve me right, it's a very big deal to finally get into double digits.I'll let you enjoy the birthday cake, but I'm afraid there's some bad news. Even ten years in, not everyone is sure how you work, or even wants to sign up.Around 580,000 people didn't contribute anything to their KiwiSaver last year. Even for those who did, about 450,000 are in default conservative funds.This means people haven't thought about where their money is going, and could be missing out on hundreds of thousands of dollars.KiwiSaver is one of the best tricks you have up your sleeve for looking after your finances. It helps you save, can teach you how to invest, and will almost certainly make retirement a lot easier.And yet, the figure