PODCAST · business
Cheques and Balances
by Cheques and Balances
Whether you're buying your first home, tackling debt, or building long-term wealth, we’ll show you how to make smarter money moves. With over 20 years of combined experience as qualified financial advisers, James Blair and Michael Vincent share straight-talking advice, practical strategies, and real conversations about money - all to help you take control of your financial future with confidence.Check out our website below:lighthousefinancial.co.nz
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592
National Expands 5% Deposits for First Home Buyers: Does It Stack Up? | Episode 534
A 5% deposit could get thousands more Kiwis into their first home - but is it really as good as it sounds?James and Mike unpack National’s proposed changes to the First Home Loan scheme, including the new $300,000 income threshold, what buying with just 5% actually looks like, the risks of taking on more debt, and whether bringing more first-home buyers into the market could ultimately push property prices higher.Next Steps:Buying your first home? Download our free First Home Buyers Guide to help you get started. Ready to take the next step? Get in touch with the Lighthouse Mortgages team to understand your options. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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591
OCR Hike: The 5 Factors Driving Mortgage Rates | Episode 533
The OCR is up but that doesn’t tell you the whole story about where mortgage rates are heading.James and Mike break down what actually determines your interest rate, unpacking the OCR, swap rates, wholesale funding, customer deposits and bank competition, before looking at what rising rates could mean for borrowers and the property market.Next Steps: Want to understand what rising rates could mean for your mortgage? Speak to Mike and the Lighthouse Mortgages team about your options. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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590
The Next Economic Shock: What’s Your Plan? | Episode 532
Another economic shock is coming. Is your money ready for it?James and Mike break down the financial fundamentals that can help you weather whatever comes next, from setting clear goals and building an emergency fund to managing your budget, investing consistently and taking action instead of waiting for the perfect time.Next Steps: Help your team feel more confident with money - check out our Financial Literacy Workshops for the workplace. Want to build your financial buffer? Watch our full episode on how to build an emergency fund. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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589
New Build Townhouses: Why They Lost 40% in Value | Part 2
Owning the wrong property is one thing. Working out what to do next is the hard part.In Part 2, James, Mike and Adam break down the options for investors stuck with an underperforming townhouse, including whether to hold or crystallise the loss, how to assess the ongoing cashflow, when selling and reinvesting could make sense, and why buying another property could actually improve your position.Missed Part 1? Watch it here Download our free Property Investor Guide to learn the fundamentals of choosing a quality investment property. Register for our upcoming property webinar to learn what to look for, what to avoid, and where the market is at right now. Thinking about buying a new build? Speak to the Lighthouse Property team to understand what makes a quality investment and avoid costly mistakes. For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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588
New Build Townhouses: Why They Lost 40% in Value | Episode 530
Not all new-build townhouses are created equal.In this episode, Adam Farrell, Property Director at Lighthouse Financial, joins us to unpack real examples of townhouses that have lost hundreds of thousands in value and break down what went wrong, from oversupply and poor locations to impractical layouts, lack of parking and large developments plus the fundamentals buyers should look for when choosing a new build.Next Steps: Thinking about buying a new build? Speak to the Lighthouse Property team to understand what makes a quality property and avoid the mistakes that can cost you down the track.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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587
The Best and Worst Property Titles: What Buyers Need to Know | Episode 529
Not all property titles are created equal.We break down freehold, cross-lease, unit, and leasehold titles, including what each means for buyers, the potential lending and renovation implications, and the key things you should check before making an offer on a property.Next steps: Found a property you’re interested in? Get in touch with the Lighthouse Mortgage team to understand your lending options and what you need to check before making an offer.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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586
National Promises No New Taxes: Can NZ Afford It? Ft. Matt Harris | Episode 528
National says no new taxes, but can New Zealand actually afford that promise? James, Mike and Matt unpack National’s “No New Taxes” pledge, how the Government could return to surplus without raising new taxes, the debate over spending and economic growth, and how it stacks up against Labour’s capital gains tax and other tax proposals.Watch our episode breaking down Labour’s tax policyNext Steps: Not sure how changing tax policy could affect you, your property or your business? Get in touch with the Lighthouse Accounting team to understand what it could mean for your financial position.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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585
The Best & Worst KiwiSaver Funds in 2026 Revealed | Episode 527
Some KiwiSaver funds are smashing it. Others are leaving investors wondering what they’re paying for.In this episode, we reveal the top-performing KiwiSaver funds across balanced, growth and aggressive categories, unpack the impact of fees on long-term returns, and explain what you should actually look at when deciding whether your KiwiSaver provider and fund are right for you.Next steps: Compare your KiwiSaver: Use our free KiwiSaver calculator to see how your fund’s performance and fees stack up.Book a KiwiSaver review: Get a personalised KiwiSaver recommendation from our team. Missed Part One? Watch our previous episode where we break down how to structure your investments in retirement.For more money tips, follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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584
Labour’s Proposed Tax Plan: Could This Save Small Business? Ft Matt Harris | Episode 526
Could Labour’s latest tax proposals give small business the break it needs?James, Mike and Matt unpack Labour’s proposed changes to payment terms, the asset write-off threshold and GST registration, what they could mean for New Zealand’s small-business sector, and the tax changes Matt believes could help get businesses and the wider economy moving again.Next steps: Running a business and want to make sure your tax structure is working for you? Get in touch with the team at Lighthouse AccountingFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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583
1 Million Downloads Special: Our Personal Wealth Journey Part 2
From corporate careers to property investing, this is where things really started to change.In Part 2 of Mike and James' personal wealth journey, they unpack leaving corporate banking, taking the leap into Lighthouse, building their careers and wealth, investing in property, the financial decisions they wish they'd made earlier, and what success looks like today.Missed Part 1? Watch it here.Looking for personalised financial advice? Learn how Lighthouse Financial can help you make confident decisions with your money.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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582
Buying Your First Home? 3 Ways Your Parents Can Help | Episode 524
Your parents don’t need a pile of cash to help you buy your first home. James and Mike break down three ways parents can help first home buyers in NZ get onto the property ladder, from a gifted deposit or family loan to using parents’ equity, plus the lending requirements and risks to consider when buying your first home.Next steps: Looking to buy your first home but not sure how to pull together your deposit? Speak to the Lighthouse mortgage team to understand your options and how family support could help you get there sooner. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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581
How to Avoid Going Broke in Retirement | Episode 523
Retirement is when you finally get to spend your money - but how do you make sure you don’t run out?James and Mike break down withdrawal rates, sequencing risk, market downturns, cash buffers and how to structure your investments so you can enjoy retirement without eating through your capital too quickly.Missed Part One? Before you start spending your retirement savings, you need to know how to invest them. Watch our previous episode where we break down how to structure your investments in retirement.Next steps: If you’re approaching retirement and aren’t sure whether your investments are set up to provide the income you need, talk to our wealth team about building a retirement strategy that balances spending today with protecting your money for the years ahead.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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580
Building an Emergency Fund in a Cost of Living Crisis | Episode 522
Building an emergency fund is hard when everyday life already costs so much.James and Mike break down how to build your first $1,000 emergency fund, where to find extra money in your budget, whether to save or pay down debt first, how much you should ultimately have set aside, and where your emergency savings should actually live.Next Steps: Want to get a better handle on where your money is going? Comment BUDGET and we’ll send you the template we use to help our clients map out their expenses, set realistic goals and start building their emergency fund.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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579
The Future of New Zealand: Sam Stubbs' Plan to Make NZ Wealthier | Part 2
What would it actually take to make New Zealand wealthier?Sam Stubbs, Co-Founder and Managing Director of Simplicity, shares his blueprint for New Zealand’s future, exploring tax reform, inequality, KiwiSaver, domestic investment, AI, infrastructure and why saving and investing more could be the key to building a wealthier country for generations to come.Next steps:Explore Simplicity's approach to KiwiSaver, investing and long-term wealth creation.Looking for personalised financial advice? Learn how Lighthouse Financial can help you make confident decisions with your money.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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578
The Future of New Zealand: Why Sam Stubbs Is So Optimistic | Part 1
The future isn't as bleak as you think.Sam Stubbs explains why he believes New Zealand is on the verge of one of its greatest economic opportunities, exploring the future of KiwiSaver, entrepreneurship, capital investment, infrastructure, productivity, wealth creation, and why the next generation of Kiwis could be better positioned than ever before.Next steps:Learn more about InfraKiwi and its vision to help build New Zealand's future. Explore Simplicity's approach to KiwiSaver, investing and long-term wealth creation. Looking for personalised financial advice? Learn how the Lighthouse team can help you build your own financial future. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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577
How to Build Wealth for Retirement: 5 Investing Rules Everyone Should Know | Episode 519
Most investing advice is either too complicated or focused on chasing the next big thing. In this episode, James Blair and Michael Vincent break down the five investing principles they believe every Kiwi should know. So whether you're retiring in one year, five years or twenty years, these five golden rules will help you make the most of your retirement savings so you can build lasting wealth and enjoy the retirement you've worked so hard for. They cover why trying to time the market rarely works, why diversification beats prediction, how high fees quietly eat away at your returns, why staying in cash can cost you more than market volatility, and how to choose a financial adviser who puts your interests first. Next steps: If you're approaching retirement or want confidence that your investment strategy is built for the long term, get in touch with the Lighthouse Financial Wealth team. We've also created a free guide that expands on everything we discuss in this episode, including the graphs and research behind each investing principle. Read more nowFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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576
NZ's Inflation Crisis: Why Getting Ahead Feels Harder Than Ever | Episode 518
Why does it feel like you're working harder but getting nowhere?From rising living costs and inflation to mortgage strategies, KiwiSaver, emergency funds and practical ways to build financial resilience, James and Mike break down why so many Kiwis are feeling the squeeze and the steps you can take to strengthen your finances in today's economy.Next steps: Feeling the pressure of rising costs? Speak to the Lighthouse Financial team for personalised advice on your mortgage, KiwiSaver, investments and cash flow.Can't Refinance Your Mortgage? Watch This Episode Learn More About Balance Transfers HereReview Your Insurances HereFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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575
1 Million Downloads Special: Our Personal Wealth Journey Part 1
Before the wealth came the mistakes, side hustles, setbacks and plenty of hard lessons.To celebrate one million podcast downloads, James and Mike share the personal stories they've never told before - from their childhood relationships with money and first jobs to dropping out of university, building careers in banking, early investing lessons and the work ethic that shaped their financial journeys.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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574
Is War Funding Your Retirement? Ft. Lily Richards | Episode 516
Could your KiwiSaver be investing in something you don't agree with?Around $900 million of KiwiSaver money is now invested in weapons-related companies. James and Mike sit down with Lily Richards, Chief Marketing and Client Officer at Pathfinder KiwiSaver Plan to explore ethical investing, how to check what's inside your KiwiSaver, whether responsible investing impacts returns, and why understanding where your retirement savings are invested could be just as important as how much they earn.Next Steps:Learn more about Pathfinder Check out the Mindful Money websiteCreate Your Own: Mini Ethical Investment Policy Want to make sure your KiwiSaver matches both your financial goals and your personal values? Speak with the Lighthouse Wealth team for a KiwiSaver review and find the fund that's right for you. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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573
How to Know It's Time to Sell an Investment | Episode 515
Selling because you're nervous can be one of the most expensive investment decisions you make.When should you actually sell an investment? James and Mike break down the difference between emotional reactions and smart financial decisions, covering market crashes, changing life goals, underperforming investments, investment fees, diversification, inherited assets, and the key signs it's time to review your portfolio.Next Steps: Not sure whether your investments still align with your goals? Speak with the Lighthouse Wealth team for a discovery call today.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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572
Should We Want House Prices To Double Every 10 Years? | Episode 514
The property market isn't broken... but expectations might be.Should New Zealand expect house prices to keep doubling every 10 years? James and Mike unpack the key drivers behind long-term property growth, including migration, interest rates, inflation, wages, affordability, and whether endless house price growth is actually good for the country's future.Next steps: If you're wondering what today's property market means for your own plans, whether you're buying your first home, investing, or reviewing your mortgage, get in touch with the Lighthouse Property and Mortgage team today.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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571
Inflation Hits 4.1% Is the Worst Still to Come? | Episode 513
Inflation is back above 4%... but is the worst still to come?James and Mike break down New Zealand's latest 4.1% inflation result, why petrol prices are driving almost all of the increase, whether higher interest rates are actually the right solution, what it means for mortgages, businesses and household budgets, and where they believe the economy is heading over the next 12 months.Next steps: Need help navigating rising interest rates? Speak with the Lighthouse Mortgage team today.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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570
Want to Build a Home? Watch This Before You Talk to the Bank | Episode 512
Building your dream home? Don't talk to the bank until you've watched this.From construction loans and stage payments to hidden building costs, budget blowouts, fixed-price contracts, and choosing the right builder, we break down everything you need to know before building a home. We also uncover the common mistakes that can quickly turn your dream build into an expensive headache.Next Steps: Thinking about building, buying, or refinancing? Get in touch with the Lighthouse Mortgages team for personalised advice before you make your next move. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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569
Can't Refinance Your Mortgage? Here's What To Do Instead | Episode 511
Think you're stuck with your mortgage? You might have more options than you realise.In this episode, Mike and James break down what to do if you can't refinance your mortgage, including how to negotiate with your current bank, when breaking a fixed rate makes sense, cash retention payments, low equity traps, and the simple strategies that could save you thousands without switching lenders.Next Steps: If you're unsure whether you can refinance or simply want to know if you're getting the best deal the Lighthouse mortgage team can review your options and help you build a strategy that works for your situation.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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568
Property Market Insights: What Smart Investors Are Watching Right Now | Episode 510
The headlines are noisy, but the data tells a very different story.In this episode, Mike and Adam break down the property market indicators they're watching most closely, including construction activity, building costs, auction clearance rates, GDP, long-term price trends, and why Christchurch continues to stand out as one of New Zealand's strongest investment markets.Next Steps: Thinking about buying your next property or wondering what these market shifts mean? Speak to the Lighthouse Property team today to explore your options.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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567
From Debt to Financial Freedom on a Single Income | Inside a Financial Plan Ep 2
A simple financial plan can change everything.In episode two of Inside a Financial Plan, James walks Julia through her personalised financial roadmap, explaining why building an emergency fund comes before paying off debt and why he's recommending a switch to her KiwiSaver fund. Together, they map out a step-by-step plan to become mortgage-free sooner and build more than $2 million in retirement investments while raising her daughter on a single income.Next Steps: Ready to build your own financial plan? Get in touch with James and the Lighthouse Wealth team to create a personalised roadmap tailored to your goals and financial situation.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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566
The First OCR Hike in 3 Years: What It Means for Your Mortgage | Episode 508
Wondering what the latest OCR hike means for your mortgage? Here's what homeowners need to know.Mike Vincent and Jess Hargreaves break down why the OCR hike wasn't a surprise, how banks have already reacted, where mortgage rates are likely to head next, and what homeowners should consider when fixing, refinancing, or reviewing their mortgage.Next Steps: If your mortgage is coming up for review or you're simply unsure what this OCR announcement means for your situation get in touch with the Lighthouse Mortgages team. They'll compare lenders, review your loan structure, and help you find the best option for your goals.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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565
Building Wealth on a Single Income: Inside a Financial Plan | Episode 1
A single income doesn't have to mean putting your financial goals on hold.In this episode of Inside a Financial Plan, we meet Julia, a single mum rebuilding her finances after divorce. James works through her goals, debt, budgeting, KiwiSaver, retirement planning, emergency fund, mortgage strategy and the personalised roadmap to help her build long-term wealth.Next Steps: If you'd like your own personalised financial plan, the Lighthouse Wealth team can help you create a strategy tailored to your goals, income and future.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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564
Live Webinar: How Property Investors Can Reduce Their Tax Bill | Episode 506
Many property investors are paying more tax than they need to.Matt Harris and Mike Vincent explain how debt structuring, ownership structures, lending strategies and tax planning can reduce unnecessary tax, improve cash flow, and help investors make the most of today's property market.Next Steps: Whether you need advice on property structures, trusts and tax planning, or you'd like to review your lending and mortgage strategy, the Lighthouse Accounting and Mortgage teams are here to help.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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563
How We Bought Our First Home With Just 5% Deposit | Episode 505
They thought they weren’t ready to buy a home - until one conversation changed everything.In this episode, we follow Harsh and Hiral's first home buying journey, from budgeting struggles and saving a 5% deposit to navigating pre-approvals, real estate agents, failed offers, due diligence, KiwiSaver withdrawals, and ultimately securing their first home in Auckland.Next Steps: Thinking about buying your first home but not sure where to start? Speak to the Lighthouse Mortgages team today and get a clear plan to understand your borrowing power, budget, and next steps.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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562
Auckland Is Broken: Can Wayne Brown Fix It? | Episode 504
Is Wayne Brown's plan enough to turn Auckland around?James and Mike react to Wayne Brown's five-point plan for Auckland, discussing transport, rates, council spending, housing, infrastructure, economic growth, and whether the mayor can actually deliver meaningful change for the city's future.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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561
NZ Debt Is Rising: Why Kiwis Can't Quit Afterpay | Episode 503
That $75 payment might be costing you more than you think.In this episode, James and Mike unpack the rapid rise of Afterpay and buy now, pay later services, why nearly 100,000 Kiwis are behind on repayments, how short-term debt spirals out of control, the impact on budgeting and mortgage applications, and what to do if you're already stuck in the debt cycle.Next Steps: If debt, cashflow, or budgeting is becoming a source of stress, our team can help you create a plan to regain control and build a stronger financial future. Speak To Out Budgeting and Cashflow team today.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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560
National's KiwiSaver Changes: Good or Bad for Your Retirement? | Episode 502
Could these be the biggest KiwiSaver changes since the scheme began?James and Mike break down the National Party's proposed KiwiSaver reforms, including compulsory contributions, higher employer contributions, a $1,500 KiwiSaver kickstart for newborns, parental leave support, over-65 contributions, and whether these changes could improve retirement outcomes and help New Zealand close the wealth gap with Australia.Next steps: If you're unsure whether your KiwiSaver is on track for retirement, get in touch with the Lighthouse KiwiSaver team for a personalised review.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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559
The Real Cost of Homeownership in New Zealand | Episode 501
Owning a home is expensive, but it's often the hidden costs that hurt the most.In this episode, James and Mike break down the true cost of homeownership in New Zealand, exploring rising rates, insurance premiums, water charges, maintenance costs, property repairs, and why many homeowners underestimate the ongoing expenses that come with owning a property.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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558
KiwiSaver Balance By Age: Are You On Track For Retirement? | Episode 500
Are you on track for retirement, or falling behind?In this episode, James and Mike break down the latest KiwiSaver balances by age, discuss why the average retirement balance may not be enough, explore the growing KiwiSaver gender gap, compare top and bottom-performing funds, and explain the key decisions that could add hundreds of thousands of dollars to your retirement savings.Next Steps: Want to know if your KiwiSaver is working hard enough for you? Book a free KiwiSaver review with the Lighthouse Financial team today. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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557
Is The NZ Economy Broken? Rising Business Liquidations Explained | Episode 499
NZ businesses are folding at the fastest rate in 15 years.In this episode, James and Mike unpack why more than 3,000 New Zealand companies have entered liquidation, which industries are being hit hardest, whether government policy is helping or hurting businesses, and what needs to change to get the NZ economy moving again.Next Steps: If you're a business owner feeling the pressure, speak with the Lighthouse Financial team about cash flow, tax planning, business structure, and strategies to navigate a tougher economic environment.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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556
What The Panama Papers Exposed About NZ Trusts Ft. Matt Harris | Episode 498
The world's biggest financial leak changed New Zealand trust law forever.In this episode, James, Mike and Matt unpack the Panama Papers, explain how New Zealand became linked to foreign trusts, shell companies and tax transparency concerns, explore the reforms that followed, and discuss how trusts are used today for asset protection, estate planning and wealth management.Next Steps: If you'd like advice on trusts, asset protection or estate planning, get in touch with the Lighthouse Accounting team to see whether the right structure could help protect your wealth.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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555
The Right Property For Every Type of Investor Ft. Adam Farrell | Episode 497
Not every property is right for every investor.In this episode, James and Lighthouse Property Director Adam Farrell break down which property types suit different investors, from townhouses and standalone homes to renovations, multi-unit properties and commercial real estate, while exploring risk, cash flow, capital growth, retirement planning, and when property may not be the right investment at all.Next Steps: Thinking about your next property purchase? Speak with the Lighthouse Property team to build an investment strategy that matches your goals, risk profile, and long-term financial plan.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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554
Can ChatGPT Replace Your Mortgage Broker? | Episode 496
Don't mistake information for advice.In this episode, James and Mike discuss whether ChatGPT can replace a mortgage broker, unpack a real-life example where AI mortgage advice conflicted with professional advice, explore the difference between information and personalised advice, and explain where AI can help and where it can get things wrong.Next steps: Need help making the right mortgage decision? Speak with the Lighthouse Mortgages team for personalised advice tailored to your goals, not generic answers from the internet.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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553
6 Mistakes Stopping You From Buying an Investment Property ft. Ilse Wolfe | Episode 495
Most people don't miss out on their first investment property because of the market - they miss out because they're focused on the wrong things.In this episode, Mike and Jess sit down with Ilse Wolfe, Director of Wolfe Property, to unpack the six biggest mistakes holding Kiwis back from their first investment property, including affordability, equity, financial foundations, timing, expectations, and choosing the right location to build long-term wealth.Next Steps: Thinking about your first investment property? The Lighthouse Financial team can help you understand your borrowing power, structure your finances, and create a plan to build long-term wealth with confidence.Learn more about Wolfe Property hereFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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552
Trades vs Degrees: Which Builds More Wealth? | Episode 494
The degree debate is changing.In this episode, James and Mike break down the real numbers behind trades versus degrees, comparing income, student debt, house deposits, KiwiSaver balances, graduate job opportunities, the impact of AI on future careers, and whether university is still the best path to building long-term wealth.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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551
A Thriving Business In A Tough Economy: How Did They Do It? | Episode 492
Most businesses are feeling the pressure but some are still finding ways to grow.In this episode, James and Jess sit down with Cruze and Pearl, founders of One & Only, to discuss building a business from scratch, taking calculated risks, relocating from Wellington to Auckland, growing through relationships and referrals, balancing business and personal wealth, and the lessons they've learned scaling a business through challenging economic conditions.Interested in working with One & Only? Connect with Cruze and Pearl hereNext Steps: If you're looking to align your business success with your personal wealth goals, get in touch with the Lighthouse Wealth team to build a financial plan tailored to your future.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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550
Are New Build Townhouses Dead? Ft. Adam Farrell | Episode 492
Not all townhouses are created equal.In this episode, James and Lighthouse Property Director Adam Farrell break down the oversupply of new build townhouses, what separates a quality development from a dud, how supply and demand influence property values, why rental yields and developer quality matter, and whether high-density housing is an unavoidable part of New Zealand's future.Next Steps: Thinking about investing in property? Speak to the Lighthouse Property team about finding investment opportunities that align with your goals, cashflow, and long-term strategy.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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549
NZ Budget 2026: Did The Government Get It Right? | Episode 491
The Budget is out but will it actually make Kiwis better off?In this episode, James and Matt break down NZ Budget 2026, discussing the biggest winners and losers, infrastructure spending, health investment, fuel price relief, banking levies, FIF tax changes, business challenges, and whether the Government's plan to return to surplus will help or hinder New Zealand's economic recovery.Next Steps: Want to make smarter financial decisions in a changing economic environment? Whether it's your investments, property portfolio, mortgage structure, tax position, or long-term financial plan, Lighthouse Financial can help. Get in touch with our team today.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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548
The Infrastructure Problem Holding NZ Back | Episode 490
Is new infrastructure the answer to NZ’s problems? What if New Zealand’s biggest economic problem isn’t interest rates or housing… but infrastructure?In this episode, James and Mike break down why Christchurch has become one of New Zealand’s most liveable and resilient cities, what Auckland and Wellington can learn from its rebuild, whether better infrastructure could improve productivity and economic growth, and why throwing billions at projects doesn’t automatically fix a country’s problems.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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547
Forward Fixing: How To Lock In Your Interest Rate Early | Episode 489
In this episode, we break down what forward fixing actually is, how rate locks work, what rising interest rates could mean for borrowers in 2026, and the key mistakes to avoid when locking in your next mortgage rate.Next steps: Speak to the Lighthouse Mortgages team about whether forward fixing or restructuring your lending could make sense before rates move again. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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546
Australia’s Capital Gains Tax Changes: Is NZ Next? | Episode 488
Australia’s tax overhaul could become New Zealand’s opportunity.In this episode, we break down Australia’s major property and capital gains tax changes, what ring-fencing and reduced CGT concessions mean for investors and business owners, why some believe these policies punish aspiration, and whether New Zealand could benefit from an influx of capital, businesses, and entrepreneurs across the Tasman.Next Steps: If you want to structure your investments, business, or property portfolio more effectively in a changing tax environment, get in touch with the Lighthouse Accounting team today.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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545
National Debt Crisis: Is NZ Broke? | Episode 487
New Zealand’s debt is exploding… but is it actually a problem?With Budget 2026 around the corner, we break down New Zealand’s $182 billion debt position, whether the country should be worried about rising interest costs, how our debt compares globally, and why borrowing isn’t always a bad thing. James and Mike debate whether the Government is too focused on cutting costs instead of growing the economy, the risks around productivity and public sector cuts, and whether debt used for infrastructure, healthcare, and long-term growth could actually make New Zealand wealthier over time.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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544
Australia's Tax Crisis: New Zealand's Golden Opportunity | Episode 486
Australia just changed the game on tax and New Zealand might be the biggest winner.In this episode, we break down Australia’s new capital gains tax changes, why business owners and startups could start looking at New Zealand differently, the impact on entrepreneurs, tech companies and investment, the opportunity for New Zealand’s economy to attract talent and capital, how tax policy shapes productivity and growth, and why this could become one of New Zealand’s biggest economic opportunities in years.Next Steps: If you own Australian property or you’re considering investing across the Tasman, now’s the time to understand what these tax changes could mean for your portfolio. Speak to Lighthouse Accounting today. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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543
Why You’re Underprepared For Retirement | Episode 485
Most Kiwis are heading towards retirement with far less than they think they need. The difference between struggling in retirement and living comfortably often comes down to just a few KiwiSaver decisions.In this episode, we break down the real factors that can dramatically change your retirement outcome, including KiwiSaver fund selection, contribution rates, provider performance, NZ Super concerns, the risks of switching funds at the wrong time, why most Kiwis are underprepared for retirement, and how consistent long-term investing could mean the difference between retiring with a few hundred thousand dollars or several million.Next Steps: If you’re unsure whether your KiwiSaver is actually set up to support the retirement you want, speak with the Lighthouse KiwiSaver team today for a free KiwiSaver review.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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ABOUT THIS SHOW
Whether you're buying your first home, tackling debt, or building long-term wealth, we’ll show you how to make smarter money moves. With over 20 years of combined experience as qualified financial advisers, James Blair and Michael Vincent share straight-talking advice, practical strategies, and real conversations about money - all to help you take control of your financial future with confidence.Check out our website below:lighthousefinancial.co.nz
HOSTED BY
Cheques and Balances
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How many episodes does Cheques and Balances have?
Cheques and Balances currently has 50 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Cheques and Balances about?
Whether you're buying your first home, tackling debt, or building long-term wealth, we’ll show you how to make smarter money moves. With over 20 years of combined experience as qualified financial advisers, James Blair and Michael Vincent share straight-talking advice, practical strategies, and...
How often does Cheques and Balances release new episodes?
Cheques and Balances has 50 episodes. Check the episode list to see recent publication dates and frequency.
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Cheques and Balances is created and hosted by Cheques and Balances.
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