Empowering Female Migrant Entrepreneurs in NZ
Discomfort is the portal to the next level.
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NataliaTo begin with, can you tell us where you come from and what your childhood was like?
DaniI come from Brazil originally. I was born and raised in Porto Alegre, which is a hard word to say but means happy port. It’s a big city.
I come from a very humble background. My mum, her main focus was raising me and my two siblings while my dad was working full time. Growing up, we lived in a very small apartment. It was 32 square metres, actually more of a studio. Kitchen and one bedroom. And we would all sleep in that one room. Me and my mum and my sister would sleep in one bed. My dad and my brother in a bunk bed. Five of us.
Money was always an issue in the household. Always a very stressful conversation. There were always fights about money management. We had food on the table, they would never let anything go missing for us. But we didn’t have luxury. We didn’t eat out. We didn’t travel. A lot of things I would see other people doing, we wouldn’t.
The fights got worse over time. When I was 15, my parents actually separated. Often people say, ‘Oh, that’s really sad,’ but honestly it was the best thing that ever happened to me. Living in a household that was quite toxic, parents fighting due to money, obviously not in love anymore, was really hard.
From a young age, I decided that I didn’t want the lack of money to dictate my own life.
From that pain I drew a lot of strength. I thought, ‘How can I make sure my life doesn’t become the same as my parents’ life? Living in struggle and not happy, and having to be together because my mum never worked before and was dependent on my dad?’
DaniI started working when I was 16, and I never stopped since. When I was working, I was saving every penny. Because I never had anything. So even when I started making money, I didn’t feel the need to spend. I was saving, saving, saving. Then I had about $1,000 in Brazilian reals.
When I turned 18, I read the classic Rich Dad, Poor Dad. It was such a mindset shift for me. I realised, okay, so my whole life I’ve been living with the poor dad mindset, but I don’t have to. There is an opportunity for me out there. And this idea of buying houses to build financial independence became my main goal.
I’m gonna get rich with property. Somehow I’m gonna make it.
At that point I was working in a multinational called Dell Computers. That was the first time I started seeing there was a world outside of my life, my town. Managers were based overseas, and they would speak English. And I’m like, ‘Oh, what is this thing, English?’ So I started getting curious. What else is out there?
I didn’t speak English until I arrived in New Zealand. They try to teach you at school, but no one really learns. They teach you just enough for you to get your grades, and you move on.
NataliaHow did you end up in New Zealand?
DaniWhen I was 20, I finished uni. In Brazil, if you do some tests really well, you can get a scholarship. So I did that from 17 to 21. When I finished, I’m like, ‘Okay, what’s next for me now?’
I started looking at visas. How can I have an experience overseas? I had little money, so I’m like, ‘No, I’m gonna make this work. I’m not gonna take no as an answer.’
I realised there was this working holiday visa, but for Brazil, you only have 300 spots. It’s like winning lotto. You go at a specific time and date. Everything crashes because everyone is trying at the same time. Your internet connection has to be good. And you only have 300 spots. First in, first served.
I got one of the 300 spots, and I’m like, ‘Okay, this is meant to be.’
DaniI had a year to come to New Zealand. That year I was just working as much as I could to save the minimum for the tickets, and the money they ask you to have to get into the country.
I managed to do that, quit my job, and came to New Zealand. I came with my partner. He did speak English. I didn’t. I was 21 and I worked in hospitality.
NataliaHow can you work in hospitality taking orders not knowing how to speak English?
DaniHonestly, I don’t even know to this day. I would work during the day and then at night I would go home and study so much. The best way to learn something is just throwing yourself in the deep end. Now you have to learn. So in three months I could communicate. Obviously my English improved over time.
Then my visa finished, and then the whole journey of ‘how can we stay here?’ I found a job in technology, a fibre company. After lots of challenges I managed to get a working visa, and then mine expired, my partner got a working visa, and six years later we finally got residency. That was the best thing that happened.
If there is a place on earth that’s heaven, this is it.
Now that I have citizenship, I can be and do anything I want. There is no dream that’s too big because here in New Zealand, anything is possible.
And it’s not just my life. The fact that you have come here, and any other immigrant, you’re not just changing your life. You’re changing your generation’s life. You might never know the impact you’ve created.
Obviously, you can see your kids growing up and building their dreams and pursuing their lives. But your grand-grand-grandkids? They will have a much better life than they would ever have if you had never made this decision to be here today.
You’ve changed a whole generation. You’ll be far gone, and you don’t know the impact you have created.
NataliaWas there anything about life here that surprised you in those early days?
DaniEverything was a surprise. Coming from South America, everyone knows it’s a bit more dangerous back home.
On my first week here, my friend and I were walking up Queen Street trying to find the bank. We couldn’t find it. So we asked a stranger. And literally, they walked us for five blocks. ‘Oh, here’s the bank.’
I never forget how kind a stranger was with us.
I was like, oh my God. What is this? How come you can trust people?
Another funny one. When I was working in hospitality, I had a client ask me for a cup of tea. And I’m like, ‘Cup of tea, cup of tea…’ The first thing I thought was cappuccino. So I went, ‘Oh, here’s your cappuccino.’ And they’re like, ‘No, I want a cup of tea.’ And I’m like, ‘Oh my God.’
That’s how you learn. Through those very embarrassing moments.
Now I know cup of tea is cup of tea.
Dani has coached more than 200 clients on money and property. These are her biggest lessons.
When Dani sat with over 200 clients, she realised something. Most of them didn’t have a strategy problem. They had a mindset problem.
Most of the time I felt more like a therapist than a money strategist.
The numbers are the easy part. The real work happens between your ears.
What is your financial independence number? How much do you actually want?
Most people have never stopped to answer it. And if you don’t know where you’re going, how do you know how to get there?
You can’t relate to your 65-year-old self. She feels like a stranger. Someone else’s problem.
Financial independence isn’t about waiting. It’s about building a life you love right now, while your future takes care of itself.
Women are biologically and neurologically different from men. We move through phases most financial advice ignores. Menstruation. Pre-menopause. Menopause. All of it affects how we relate to money.
A financial strategy built for a man is not built for you.
Every time a client gets close to placing an offer, the fear kicks in. ‘What if I lose money?’
Dani would be more concerned if they didn’t feel it. Your nervous system is doing its job. Protecting you from something new.
But in New Zealand, property prices go up on average 5% a year. That’s around $20,000 on an average house.
By not taking action, you’re already losing money.
Hear Dani’s full story on the Her Migrant Spirit podcast.
NataliaHow did you get into property?
DaniIt was during COVID. I quit my job and thought, ‘What is the most entry-level job I can get in the property industry?’ I ended up as a BDM/salesperson for a property management company in Auckland.
While I was there, I was listening to this very popular podcast called The Property Academy. Two guys who have a company called Opus Partners. I became obsessed with their podcast. I was listening to everything they published. And I thought: ‘You know what? I’m gonna stalk those guys until they give me a job.’
So for the 10 months I was in that job, I was liking every photo, commenting on their social media. They had one event for their audience and I got invited. I’m like, ‘Oh, I have to really impress them.’
Then a few months later, I just DM’d one of the founders: ‘Hey, I would love to work with you. What do I need to do? Will you have me?’
He said, ‘Interesting. We’re looking for someone to work with this property coach on a slightly different project.’ And I’m like, ‘Yeah, sign me up.’
I started working in this sister company alongside this amazing woman called Elsa Wolf. It was pretty much me and her, and I was going around New Zealand travelling with her, learning even more about property.
NataliaHow long did that last?
DaniI was there for nearly two years. It was one of the coolest things I’ve ever done. But because it was a sister company, they decided to separate. My role was made redundant. I was really, really crushed. It was 2023. I’m like, ‘I love this job. This is everything I ever wanted.’ My identity was so attached to it.
Even then, I wanted to start my own business. But I didn’t feel ready. Not financially, not psychologically, not knowledge-wise. So I went home to Brazil for a month and I’m like, ‘What am I gonna do?’
I came back and started applying for jobs. I got a really nice job at Enableme, quite a popular company that helps people around financial advice and money. That’s when I became a registered financial advisor. I took my level five papers, and then I could give financial advice.
I’m so glad I didn’t start my business then. Because that experience, I had so many clients — about 200 people I’ve seen one-to-one — and I can probably say I’ve seen everything. All kinds of patterns in why people deal with money.
Most of the time I felt more like a therapist than a money strategist.
I was there for nearly two years. But there’s that itch that ambitious women coming from resistance have. Always wanting more. I’m like, ‘I’ve learned everything I had to learn from this job, and I still really want to help women.’
While I was at that job, I started running my community around wealth and wellness. Because the thing the industry was missing: we’re very good at giving people frameworks and numbers and strategy, but money is 80% of the time, if not 90%, psychological. Neurological. Emotional.
So I left Enableme and went to another company where the deal was that if I did really well, I would get equity. Ten months later, the two owners broke up. Dissolved the business. I was doing really well — I was building the community, coaching, I’d signed up 40 new clients — and I had to let it go. Really hard. I felt like, ‘Oh, this is my people.’
Okay, Dani, the universe is telling you.
Somehow I always wanted to have someone else alongside me. I was too afraid to do it alone. There was internal work I had to do to just believe in myself.
NataliaBeing a Latina woman in finance, being young, being beautiful — have you ever found that people don’t take you as seriously?
DaniThat’s been the biggest wound I had to heal.
Being Latino, I’m very feminine, and I did get a lot of discrimination. When I was a financial advisor, there was a client who complained. Because the client didn’t choose me. There was a bunch of coaches they could be assigned to. They looked me up on Instagram and saw a video of me dancing. I was actually twerking. And they’re like, ‘Oh my God, I don’t want to work with this girl. She’s twerking on her Instagram.’
I was called in by my manager. I felt so dirty.
Why can I not be sensual? Why can I not dance? Why can I not be all these versions of myself, but also be very intelligent and very good at my job?
Even before that, when I first started in property, I had a nose piercing, and my boss didn’t like it. ‘Oh no, you have to remove that.’ There were a lot of things like that. That’s always been the one thing that would make me cry. I would feel so bloody upset. Because I’m like, ‘Why do I have to put up on this facade?’
Dani’s playbook
Grounded in behavioural science and hard-won by Dani herself. Tap each card to reveal the move.
Hear the full advice on the Her Migrant Spirit podcast.
NataliaIs that part of why you built Property Besties?
Dani100%. That’s why Property Besties feels like a movement, not just a business.
Finance is very male-dominated. There are amazing men out there, but sometimes you just have people that don’t get it. Having spaces where it’s only women, the transformation, the conversation is completely different.
In December last year, I’m like, ‘I’m gonna launch my own business, and I’m just gonna do things very authentically.’
Even coming up and saying, ‘I help women’ was difficult for me. I don’t want to sound like I’m against men. That’s not the point. But women are biologically and neurologically different from men. We have different phases of our life. Menstruation. Pre-menopause. Menopause. All of that affects our decisions and how we see money and how we show up in the world.
So I’ve made peace. This is what I want to do and this is who I am. And as long as I embraced and embodied that, I started to get clients.
The more I embrace who I fully am, the more I attract the people I love working with.
From December to now, I’ve been working on Property Besties. Right now I only take one new client a month. The intention is to be high-touch, one-to-one, to make big transformation. Not surface level. Real financial independence in the long term.
The hardest question I ever ask my clients is: What is your financial independence number? How much do you want? And they can’t even answer. If you don’t know what you want, how do you know how to get there? So we start with clarity.
NataliaBut you don’t want people to sacrifice their whole life to build a portfolio, do you?
DaniNo. That’s never the deal. I want you to live a great life today.
Your salary, your income is for you to travel and go see family. It’s for the Pilates class you love. It’s for having your matcha, or whatever it is. There is no judgment here. That’s what your income is for.
Your income is for the life you love today. Your assets are paying for themselves.
NataliaWhat do your family think of everything you’ve built?
DaniMy mum, I’ve brought her from Brazil to New Zealand twice. She has never even left her city before. It was her first time coming overseas. My dad hasn’t come. My mum is the only one that has ever come.
They don’t understand the reality. They don’t even understand what I do here. It’s funny because now that I started working for myself, my mum came, and she was like, ‘Oh, so you don’t have a job.’ And I’m like, ‘Oh.’ I forgive her because I know her reality is different. For her, if you don’t have a nine-to-five, you don’t have a job.
They can’t see the things I’m achieving here. I know they’re very proud. They think it’s fascinating because I’m the only person in the family that has left the country. And they think I’m very rich. They think I’m the rich auntie. I’m like, ‘I’m not, but thank you.’
That’s my version one of financial independence.
I send my mum money every month, and she doesn’t have to work. That feels really nice. But it does come with responsibility. My business has to do well, because I need to keep sending her money so she doesn’t have to work.
NataliaIf you could go back in time and talk to the 21-year-old version of yourself packing her bags for New Zealand, knowing what you know now — what would you tell her?
DaniSomehow that just almost makes me a bit emotional thinking that way. What would I tell her?
It’s gonna sound cheesy, but I would just look her in the eye and say:
Believe in yourself. And the discomfort is the portal to the next level you want to achieve.