Each week the NZ Herald's Cooking the Books podcast tackles a different money problem. Today, it's the changes that could make our housing more affordable. Hosted by Frances Cook.

Something needs to change in our housing market, that much is clear. But what?

Prices have been spiraling up for a while now, and the last year has only seen things get more intense.

Increasing numbers of people feel locked out of buying their own home, a core part of financial stability in New Zealand for generations now.

So what needs to change? Is it our government policy, bank policy, our wider culture, all of the above?

For the latest podcast I talked to Sam Stubbs from Simplicity.

If you have a question about this podcast, or question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here https://www.facebook.com/FrancesCookJournalist/ Instagram here https://www.instagram.com/francescooknz/ and Twitter here https://twitter.com/FrancesCook