Beyond the Farm Gate:

For many New Zealand farmers, the farm is everything. It is the business, the family home, and often the main source of wealth. It has usually taken years (if not decades) of hard work, good decisions, and resilience to build. It is only natural, then, that when cash flow improves or debt reduces, the instinct is often to put more capital back into the farm. Sometimes that is the right call. But not always.