Cheques & Balances: Recent Episodes
Lighthouse
46% of Kiwis are worried about money. Whether it is just making it to the next payday, trying to get onto the property ladder, paying down credit card debt or saving for retirement.
James Blair and Michael Vincent have been in financial services in New Zealand for 20 years combined. Cheques & Balances is a weekly podcast where James and Michael share their insights on how to get ahead financially and achieve financial freedom.
Provisional tax catches out thousands of Kiwi business owners every year.
In this episode, Matthew Harris breaks down what provisional tax really is, why it’s so often misunderstood, the common mistakes people make, and how tools like tax pooling can save you from penalties and surprise bills
Next steps: If you’re a business owner or property investor facing provisional tax, get in touchwith the Lighthouse accounting team - we’ll help you structure smarter, manage cash flow, and avoid costly mistakes.
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The 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.
Sometimes the habits that feel frugal are actually draining your wallet. In this episode, Jess and Makayla unpack why “it’s expensive to be poor” - exploring how buying cheap, renting long-term, skipping insurance, or avoiding upfront costs can end up costing more in the long run.
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The 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.
Episode 2 of our mini-series dives into strategy - James works with Rachel and Dion to break down how their money is invested across KiwiSaver, crypto, Sharesies, and their mortgage. Together they explore how each piece fits within their wider goals, weigh the trade-offs between risk and return, and start shaping the structure behind their long-term wealth plan.This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months.
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The 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.
KiwiSaver won’t save your retirement - and it’s time Kiwis faced that reality.
In this episode, Mike and James reveal the harsh truth behind New Zealand’s retirement crisis, unpacking why low contribution rates and unrealistic expectations mean KiwiSaver alone won’t cut it. They break down what $500,000 in savings actually looks like at retirement and outline the practical steps to build true financial independence - from paying off your mortgage faster to investing smarter.
Next Steps: If you haven’t reviewed your KiwiSaver recently, now’s the time - book a 30-minute session with a Lighthouse KiwiSaver adviser and make sure your fund, provider, and contributions are actually working for your future.
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The 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.
How low could mortgage rates really go? 👀
In this episode, we break down the Reserve Bank’s latest moves, discuss predictions for OCR cuts, explore what falling interest rates mean for mortgages, and look ahead at how the property market could react.
Next Steps: If you’re wondering how lower rates could impact your mortgage, refinancing strategy, or investment plans, reach out to the team at Lighthouse Mortgages today.
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The 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.
From Auckland to the Ivy League and beyond - Jamie Beaton’s journey shows what it takes to turn a Kiwi startup into a billion-dollar business. In this episode, Jamie shares how he built Crimson Education from the ground up, the challenges of scaling globally, insights into New Zealand’s education system, and the mindset needed for young entrepreneurs to succeed.
Learn more about Crimson Education here
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The 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.
A real Kiwi couple puts their finances on the table in our brand-new mini series.
In this first episode, we dive into Dion and Rachel’s money story - covering their values, goals, family aspirations, and the foundations of a free financial plan that will guide their journey over the next 12 months.
This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months.
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The 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.
In this episode, we unpack the true financial impact of going from two to three kids - covering housing upgrades, new cars, childcare, food, schooling, and even family holidays - to show how quickly expenses pile up.
Next Steps: Every family needs a solid financial plan - one that keeps renovations on track, car costs under control, and sets your kids up for the future. Talk to the team at Lighthouse Wealth today.
Head to Crayon to learn more about family costs, parental leave, and financial tools designed for Kiwi parents. They’ve got resources to help you plan ahead and make confident money decisions for your family.
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The 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.
Midlife money stress is real - and it’s hitting Kiwis harder than ever. In this episode, we break down the “midlife financial crisis,” exploring how childcare, mortgages, aging parents, and debt all collide in your 40s, and the practical steps you can take to regain control and build long-term wealth.
Next Steps: Ready to take the pressure off your finances? Book a free consultation with a Lighthouse Financial adviser and get a clear plan for your cashflow, mortgage, and long-term wealth.
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The 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.
Inflation is down, but Kiwis are still feeling broke. In this episode, we unpack why everyday essentials like rent, groceries, and mortgage repayments remain painfully high despite inflation easing, exploring wage stagnation, rising living costs, and what it really means for households across New Zealand.
Next Steps: Take control of rising costs. Book a free session with Lighthouse Wealth and take the next step towards financial confidence.
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The 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.
NZ’s economy has gone backwards - here’s what it really means for Kiwis. In this episode, we break down the 0.9% GDP decline, what it signals for business and households, the impact on manufacturing and construction, Reserve Bank policy decisions, and why interest rate changes could bring both relief and risk
Next steps: from surviving summer spending to saving thousands on your mortgage, our upcoming webinars are packed with practical strategies for every stage of your financial journey. Register now
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The 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.
Your Most Played Moment Of 2025: In this exclusive interview from inside the Beehive, Finance Minister Nicola Willis joins us to discuss NZ’s economic future covering everything from housing affordability, debt, and financial literacy to KiwiSaver, exports, and why cutting red tape is critical for growth.
Watch the full episode here
The Minister's appearance is not an endorsement of any particular financial advice service or company.
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The 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.
Stop sleepwalking on your mortgage - learn how small changes could help you cut years off and reduce interest costs. In this episode, we explore practical strategies that may shorten a 30-year mortgage to 10–15 years, including smarter repayment structures, avoiding lifestyle creep, and making the most of pay rises or interest rate changes.
Next Steps: Ready to knock years off your mortgage? Register for our free webinar with practical tips to pay down debt faster and take control of your financial future.
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The 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.
In today’s buyer’s market, smart negotiation could save you thousands on your next property. Adam Farrell joins us to unpack the strategies behind timing your offers, spotting undervalued opportunities, negotiating beyond price, and knowing when to say yes so you don’t miss out on the best deals.
Next Steps: Ready to put these strategies into action? Lighthouse Property can help you find the right home or investment and negotiate with confidence - get in touch today to start your journey.
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The 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.
Rentvesting might look smart now, but it could leave you broke later.
In this episode, James and Jess break down the numbers behind rentvesting, comparing real financial projections to show why renting long-term while investing elsewhere often ends in running out of money before retirement.
Next Steps: Want to see how your own numbers stack up? Book a financial plan with Lighthouse Wealth and get a clear, tailored roadmap to retirement.
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The 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.
Foreign buyers are back...sort of. In this episode, James and Matt unpack New Zealand’s revised foreign buyers rules, the $5 million price cap, and what it means for our property market, economy, and international reputation.
Got a hot take? Drop it below - the best comment scores a Lighthouse “Need Money for Real Estate” hat.
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The 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.
NZ’s infrastructure is crumbling and taxpayers are footing the bill.
In this uncut episode, James and Mike unpack the government’s new road user charges, debating whether it’s a genuine solution to New Zealand’s infrastructure crisis or just another way to shift the cost onto taxpayers, while diving into EV taxes, political timing, and the state of our roads.
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The 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.
A personal story of cancer, cost, and the true value of insurance. In this episode, we share the financial and emotional journey of losing a parent to terminal brain cancer, uncovering the hidden costs of treatment, the consequences of cancelled cover, and the lessons every Kiwi family can take from this experience.
Next Steps: We know nobody expects to get sick - but the right cover makes all the difference. Talk to the Lighthouse insurance team today about health, life, and income protection options that actually work when you need them most.
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The 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.
When the IRD knocks, will you be ready?
In this episode, we unpack how Inland Revenue investigations work, the triggers that set off audits, common tax mistakes property investors make, and the steps you can take to protect yourself and stay compliant.
Next Steps: If you’re worried about making the wrong move with your taxes, talk to Lighthouse Accounting - we’ll make sure you’re compliant, keep every deduction you’re entitled to, and help keep the IRD off your back.
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The 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.
Don’t buy blind - pre-approval could save you from a financial disaster.
In this episode, we break down what pre-approval really means, the risks of skipping it, how it sharpens your property search, and practical tips for building a strong application - whether you’re a first-home buyer or a seasoned investor.
Next Steps: Ready to take the next step? Download our free First Home Buyers Guide and learn everything you need to secure your pre-approval with confidence.
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The 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.
Smart money moves start with the right questions.
In this Q&A episode, James and Makayla unpack everything from when to start investing and paying down debt, to mortgages, KiwiSaver strategies, savings accounts, and why having a will matters - giving you practical answers to the financial questions Kiwis are really asking.
Next Steps: Want to learn more about our financial literacy workshops for your workplace? Our team makes financial literacy simple, practical, and tailored to your staff.
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The 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.
Stop overpaying the IRD - here are five tax hacks you probably didn’t know existed. Matt Harris, Managing Director at Lighthouse Financial, unpacks clever but often overlooked tax strategies for NZ property investors, from claiming chattels and travel expenses to structuring debt and maximising deductions, so you can legally keep more money in your pocket.
Register for our upcoming webinar: Matt Harris shares five practical strategies - helping you claim correctly, reduce risk, and turn better record-keeping into real savings.
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The 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.
OCR explained: the cut, the tracker, and what it really means for your mortgage. In this episode, we break down the Reserve Bank’s 25bps cut to 3%, what economists disagree on next, how inflation pressures play out across sectors, and what it all means for interest rates, home loans, and the wider economy.
Next steps: Ready to make the most of dropping rates? Talk to Lighthouse Mortgages about refinancing or restructuring to lock in the best deal.
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The 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.
If house prices stay flat, can New Zealand’s economy really bounce back?
In this episode, we unpack how a stagnant housing market impacts GDP, business confidence, borrowing, and consumer spending - while exploring whether tax incentives, business investment, and foreign capital could help the economy recover without a property boom.
Next steps: Looking to buy your first home or expand your property portfolio? Talk to the Lighthouse Mortgages team today.
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The 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.
Buying a house isn’t just about the price tag - how you buy matters just as much. In this episode, we break down auctions, negotiations, deadline sales, and tenders, covering finance pre-approvals, due diligence, deposit rules, and the real risks every home buyer needs to understand
Next Steps: Thinking about your first home purchase? Book a chat with our mortgage team today and take the stress out of auctions and negotiations.
Check out Makayla's favourite first home buyer resource here
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The 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.
From a $39k salary to three investment properties - Crissy’s story proves strategic moves pay off.
In this episode, we follow Crissy’s journey from buying her first KiwiBuild home to building a three-property portfolio, covering her saving strategies, renovation lessons, equity leverage, and the importance of having the right team behind you.
Next Steps: Ready to grow your property portfolio? Contact Lighthouse Mortgages today and start turning your equity into your next investment.
Learn more about Wolfe Property here
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The 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.
Buying your first investment property? Start with the right strategy, not the closest suburb.
In this episode, Lighthouse Financial’s Property Director Adam Farrell breaks down the five essential steps to purchasing your first investment property - from defining your goals and assessing affordability, to choosing between new builds and existing homes, running the numbers, and getting the right professional advice.
Next Steps: Book a chat with Lighthouse Financial to create your investment strategy and find the right property to meet your financial goals.
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The 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.
Crypto in KiwiSaver: bold move or big mistake? In this episode, we break down whether cryptocurrency deserves a place in your KiwiSaver, exploring its volatility, potential returns, scams, and the risks of mixing it into one of New Zealand’s most important retirement savings tools.
Next steps: Not sure if your KiwiSaver is set up for success? Book a free 45‑minute chat with our KiwiSaver advisers and make sure your money’s working as hard as you are.
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The 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.
You can’t tax your way to prosperity - but you can grow the pie. In this exclusive interview from inside the Beehive, Finance Minister Nicola Willis joins us to discuss NZ’s economic future covering everything from housing affordability, debt, and financial literacy to KiwiSaver, exports, and why cutting red tape is critical for growth.
The Minister's appearance is not an endorsement of any particular financial advice service or company.
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The 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.
Markets are bouncing back - but not all economies are sharing the gains. In this April-June 2025 quarterly update, we unpack the drivers behind the global market rebound, the impact of Trump’s tariffs, asset class performance from property to global equities, and why New Zealand continues to lag behind despite worldwide growth.
Next steps: If you’re making investment decisions without a clear long‑term plan, talk to our team for independent, research‑backed advice tailored to your goals.
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The 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.
Revolving credit might feel like financial freedom - but for most people, it can be a fast track to long-term debt. In this episode, we unpack how revolving credit works, the pros and cons, why it can be a trap for poor budgeting habits, and smarter strategies to pay off your mortgage faster.
Next Steps: If your revolving credit is holding back your financial progress, talk to the Lighthouse Mortgages team about restructuring to a plan that actually works for you.
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The 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.
Nearly 1 in 4 Kiwis will be over 65 by 2050 - and that’s not just grey hairs, it’s an economic shake-up. In this episode, we break down what an ageing population means for New Zealand’s workforce, housing, retirement system, and future tax burden - and what needs to change before it's too late.
Next Steps: Want to take control of your financial future? Join our next free webinar where we cover everything from buying your first home to preparing for retirement. Register here
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The 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.
Think getting your first mortgage is confusing? We break it all down - from KiwiSaver strategies and saving hacks to bank vs broker comparisons and how to boost your approval odds.
We guide first home buyers through the entire mortgage process, including deposit options, gifting rules, pre-approval conditions, and common pitfalls - plus how to know if you're ready sooner than you think.
Next Steps: need help figuring out your deposit or what banks will lend you? Talk to a Lighthouse mortgage advisor and find out what options are actually available to you .
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The 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.
Think you’re on track for retirement? Think again. We unpack the four biggest mistakes that are quietly derailing Kiwi retirement plans - from mortgage stress and poor financial habits to over-reliance on KiwiSaver and underestimating the true cost of retirement.
Next Steps: Worried about whether you're financially ready for retirement? Chat to Lighthouse Wealth to build a financial plan that gives you confidence and control.
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The 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.
Some Kiwis are walking away from property - but is that the right move?We break down why public sentiment is shifting, the risks of short-term thinking, and the structural changes in the market - from mortgage stress and declining yields to smarter buying strategies and new pathways into homeownership.Next Steps: Ready to buy your first home but not sure where to start? Chat with the expert brokers at Lighthouse Mortgages - they'll help you structure your loan, stress test your budget, and find the best deal for your situation.
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The 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.
Debt stress is rising across New Zealand and it’s not just mortgages. Over 485,000 Kiwis are behind on bills, with short-term debt spiking and KiwiSaver hardship withdrawals soaring. We unpack what’s driving the pressure: rising living costs, stagnant wages, and an economy that’s leaving more households at breaking point.
Next Steps:If you're unsure how to manage your mortgage in this environment, talk to Lighthouse Mortgages - whether you're refixing, refinancing, or just need a second opinion, the team can help you make a smarter move.
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The 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.
Should you really save every dollar for retirement? Makayla and Jess break down the key ideas from Die With Zero by Bill Perkins exploring why the rich don't die with millions in the bank, the concept of memory dividends, warm inheritances, and how to balance enjoying life now with building for the future.
Next Steps: Whether you're 35 or 55, the team at Lighthouse Wealth can help you build a financial plan to spend, gift, and retire with clarity.
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The 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.
Think saving a 10% deposit is out of reach? We break down the real numbers behind buying your first home in 2025 - comparing couples in Auckland and Christchurch, looking at KiwiSaver balances, income stats, cost of living, and the real timeline it takes to buy (spoiler: it’s less than you think).
Next Steps: If you're not sure where to start with your first home deposit, chat to the mortgage team at Lighthouse they'll help you crunch the numbers and make a plan that works for you.
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The 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.
Mortgage jargon got you confused? We unpack the fundamentals of deposits, loan structures, and equity - breaking down what they actually mean, how they work, and how to use them to get ahead in your property journey.
Next Steps: Thinking about buying your first home or restructuring your loan? Chat with one of our specialist mortgage brokers at Lighthouse to make sure your structure is working for you.
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The 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.
Being rich is easy - being wealthy is a different game. We break down the five traits that separate the truly wealthy from the paycheque-rich - from mastering your income and spending habits to building assets, setting clear goals, taking calculated risks, and developing lifelong financial literacy.
Next steps: Want a free financial workshop at your workplace? From building a financial plan to buying your first home or preparing for retirement, we offer a range of practical, engaging workshops to suit any team.
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The 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.
Can a $30,000 Birkin bag really beat the S&P 500? We unpack whether luxury assets like handbags, watches, wine, and cars truly outperform traditional investments, reveal the hidden risks of luxury investments, and share smarter ways to build real wealth.
Next Steps: Ready for real wealth-building strategies? Talk to a Lighthouse Financial advisor today and start creating a practical plan for your financial future.
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The 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.
The OCR stayed put - but what does that mean for you?
In this episode, Kiwibank Chief Economist Jarrod Kerr breaks down the Reserve Bank’s decision to hold rates, what it means for mortgages, inflation, unemployment, and where the economy is headed in 2025.
Next Steps: If these uncertain times have you wondering what to do next with your mortgage, get in touch with Lighthouse – whether it’s reviewing your current structure, buying your first home, or planning your next property purchase, we’re here to help.
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The 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.
With only 6 months left in 2025 - is your money on track? We share practical ways to check your progress, trim hidden costs, tweak your budget, increase your income, and build systems that keep your finances on track for the rest of 2025.
Ever wanted your own financial adviser? James is picking one listener to coach for a whole year - apply now and you might just star on the podcast too! Apply here
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The 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.
Term deposits might be costing you more than you realise. We unpack why parking your cash in term deposits could leave you going backwards after inflation and tax, and explore smarter ways to grow your money.Next Steps: Are you stuck in term deposits earning low returns? Talk to Lighthouse Wealth today to build a smarter investment plan and set yourself up for a better future.
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The 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.
Is topping up a mortgage at 22 really the dream? Makayla and Jess break down the pros and cons of buying young, why some Kiwis are purchasing at 22, the cultural pressure to own property, and alternative ways to build wealth if homeownership isn’t your priority.
Next Steps: If you’re thinking about buying your first home, make sure your KiwiSaver is working as hard as you are - get in touch with Lighthouse Financial for tailored advice today.
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The 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.
Will the RBNZ cut rates in July or keep Kiwis waiting? We unpack why the Reserve Bank might hold off on cutting the OCR, from unexpected GDP growth and stubborn inflation to the global oil price shocks that could hit your mortgage and financial plans.
Next Steps: For tailored advice on your mortgage strategy ahead of the next OCR decision, talk to the team at Lighthouse Financial today.
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The 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.
From scaling Canva to transforming New Zealand’s startup scene - Mahesh Muralidhar knows how to think big. In this episode, we unpack Mahesh’s journey at Canva, his mission to make NZ happier and wealthier, and how Phase One Ventures is backing the next generation of billion-dollar companies.
Learn more about Phase One Ventures
Ever wanted your own financial adviser? James is picking one listener to coach for a whole year - apply now and you might just star on the podcast too! Apply here
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The 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.
Markets are rising, oil prices are spiking - but what does Trump’s strike on Iran mean for your money? We unpack how rising tensions in the Middle East could affect KiwiSaver balances, inflation, mortgage rates, and the everyday cost of living in New Zealand.
Ever wanted your own financial adviser? James is picking one listener to coach for a whole year - apply now and you might just star on the podcast too!
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The 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.
From digital dollars to chore commissions - here's how to raise money-smart kids. Makayla and Jess explore the best ways to teach kids about money, covering everything from pocket money rules and digital tools like SquareOne to real-life lessons in saving, spending, and generosity.
Next Steps: Want your kids to grow up money-smart? Chat with Lighthouse Financial about building your own plan to lead by example.
Check out Squareone here
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The 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.
Inflation is easing, rates are dropping - so why are Kiwi businesses still stuck in a rut? In this episode, we’re joined by Matt Harris, Managing Director of Lighthouse Financial, to unpack why business sentiment remains low despite positive economic signals, exploring interest rates, productivity, mindset, and access to capital.
Next Steps: Want to make the most of tax breaks and falling rates? Speak to Lighthouse Accounting about structuring your business for growth.
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The 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.
Done right, debt can build wealth - not just cost it. We break down everything you need to know about the core types of mortgage lending in New Zealand - fixed, floating, revolving credit, and offset - and how to structure your debt to support your financial goals.
Next Steps: If you're not sure your current mortgage structure is helping or hurting you? Chat with Lighthouse Mortgages to make sure your setup is working in your favour.
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The 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.
We get it no one likes thinking about their mortality, but planning now protects your family later.
Makayla and Jess unpack the financial steps every Kiwi should take to prepare for the inevitable - from setting up a will and choosing an executor, to organising accounts, insurance, and estate planning so your family isn’t left with a financial mess during an already difficult time.
Next Steps: Make life easier for your family - get your will, insurance, and estate plan sorted with Lighthouse.
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The 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.
From $0 to 20% deposit - here’s how Jordan did it. In this episode, we unpack the real-life journey of Jordan Hosking, who went from living paycheque to paycheque to buying his first home, using smart financial planning, forced savings, and support from the Lighthouse team.
Next Steps: If you're like Jordan and looking to purchase your first home, chat to the Mortgages team - They will help you work out the smartest move based on your goals and budget.
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The 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.
Is a capital gains tax coming to New Zealand? We’re joined by Matthew Harris, Managing Director at Lighthouse Financial, to unpack what CGT could look like in 2026 — from its potential impact on investors and property prices to whether it would really solve the issues it's designed to fix.
Next Steps: If capital gains tax becomes a reality, you're going to need a good accountant. The team at Lighthouse can help get in touch today.
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The 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.
Buying your first home at 55? It’s not as crazy or as simple as it sounds.In this episode, we unpack the financial trade-offs of buying later in life, the risks of taking on debt near retirement, and why it all comes down to income, time, and a solid financial plan.Next Steps: If you're weighing up buying versus renting at 55, get a personalised financial plan - Lighthouse Wealth will run the numbers and help you make the right call.
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The 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.
The way you spend, save, or stress about money? Chances are, you learned it at home.In this episode, we unpack the financial behaviours passed down through generations—from piggy banks and petrol budgets to guilt-driven spending and inherited debt. Discover how early experiences shape your relationship with money and what you can do to break (or build on) those patterns.
Next Steps: The way you grew up with money shapes how you handle it now. Lighthouse Wealth can help you rewrite that story. Book a free consultation today.
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The 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.
Trump’s crypto play is making headlines - but is it hype, hustle, or something more serious? In this episode, we break down Trump’s endorsement of Bitcoin, the launch of meme coins tied to his name, and the surge in market activity that followed. We explore the fine line between promotion and manipulation, the political implications, and what everyday investors should be watching for.
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The 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.
Selling your first home? Here’s what you need to know before it hits the market. From valuations and setting the right price to fixing dodgy renos and staging the home, Ray White’s Jono Barton walks us through how to prep a property for market and attract serious buyers.
Learn more: get in touch with Jono or the Ray White Mission Bay teamhere
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The 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.
Your most played moment of 2025: Compounding interest is your secret weapon to long-term wealth—if you know how to use it. In this episode, we sit down with Luke Kemeys from Keep the Change to unpack the power of compounding returns, when to invest versus pay down debt, the psychology behind delayed gratification, and how consistent action—financial or otherwise—can lead to exponential outcomes over time.
Watch the full episode here
Learn more about Luke here:
Keep The Change
Next Advisory
Next Steps: Ready to invest smarter and build a financial plan that actually works? Connect with the team at Lighthouse Financial to get started here
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The 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.
The Investment Boost could slash your tax bill — but only if you know how to use it. Amanda Quill, Accounting Director at Lighthouse Financial, breaks down exactly how the new 20% upfront deduction works, what assets qualify, what to avoid, and how to structure your purchases to maximise the benefit without making costly mistakes.
Next Steps: If you’re looking to take advantage of Investment Boost tax deduction, Lighthouse Accounting can help you understand what to buy, how to structure it, and how to maximise your claim.
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The 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.
Don’t let winter bills freeze your budget. We break down practical ways to save on power, gas, internet, and insurance by comparing plans, dodging loyalty traps, and using tools like Powerswitch to find better deals.
Next Steps: Saving on power is great—but don’t stop there. If you’re wondering whether you’re getting the best deal on your mortgage, Lighthouse mortgages can help. Chat to the team today
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The 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.
Your no-nonsense guide to getting started with investing.
We break down the four key asset classes — cash, bonds, shares, and property — explain the pros and cons of each, unpack common mistakes, and show you how to build a smart, long-term portfolio. Perfect for beginners and a solid reset for experienced investors.
Next Steps: Whether you're just starting out or looking to fine-tune an existing portfolio, Lighthouse Wealth can build an investment strategy tailored to your goals - offering independent advice, access to high-quality research, and smart solutions designed to grow and protect your wealth over the long term.
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The 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.
OCR cuts, budget moves, and Trump’s trade threats—everything’s in motion. We break down what’s likely next for the cash rate, how the 2025 Budget could spark economic stimulus, and whether global politics might stall the recovery.
Next Steps: If you’re wondering how a potential OCR cut could affect your mortgage, Lighthouse Mortgages can help you structure smarter lending for the road ahead.
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The 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.
Same income. Two very different financial futures.
We dive into a powerful client case study — the story of “Bob,” a high-income earner whose financial trajectory diverges dramatically depending on whether he has a plan. From coasting through life to building a $5 million asset base, we break down the real cost of inaction and the small steps that can change everything.
Next Steps: Earning good money but not getting ahead? Lighthouse Wealth builds smart financial plans that turn income into long-term wealth . Book a free consultation here.
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The 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.
Did the government get it right? We dive into the biggest shake-ups to KiwiSaver since the scheme began—Finance Minister Nicola Willis’ new 2025 Budget includes cuts to government contributions, new eligibility for teens, rising minimums, and a fresh set of trade-offs for your future retirement balance.
Next Steps: If these KiwiSaver changes have you wondering whether your fund, provider, or contribution level is right for you - Lighthouse Financial can help.
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The 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.
When everyone else is sitting still, we’re making moves. we unpack why now might be the smartest time to buy, even amid uncertainty, slow sentiment, and a flood of listings—and why we're backing our strategy with action in both city centres and the regions.
Next Steps: Thinking about taking the plunge? Talk to Lighthouse Mortgages—whether it's strategy, pre-approval or finding the right deal, we’ve got your back from planning to purchase.
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The 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.
The government’s about to drop major changes to KiwiSaver - here’s what you need to know before it hits. We break down what the National-led government is likely to announce, the impact on your retirement savings, and the big fixes we think are long overdue - including mandatory contributions and better support for the self-employed.
Next Steps: Not sure if your KiwiSaver’s set up right? Book a free chat with a Lighthouse Financial advisor and get a clear, tailored strategy for your future here.
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The 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.
Should you crush your mortgage or chase investment gains? We unpack one of the most common financial dilemmas Kiwis face—whether to prioritise debt repayment or start investing. They break down the maths, the psychology, and the myths to help you make smarter money moves.
Next Steps: If you’re still tossing up whether to pay off debt or invest, our clients don’t have to—because they’ve got a financial plan tailored to their goals. Book in a free consultation here.
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The 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.
Being single doesn't mean falling behind. Jess and Makayla dive into practical, empowering ways single Kiwis can get ahead financially—whether it's buying your first home on one income, making the most of your budget, or protecting your biggest asset: your income. They bust myths, share real client stories, and deliver clear strategies to help you build wealth and take control of your financial future—no partner required.
Next Steps: Ready to take control of your finances? Book a free discovery session with Lighthouse Wealth and get a personalised plan that works for you—no matter your relationship status.
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The 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.
Want to give your kids a leg-up without jeopardising your own retirement? We break down smart, sustainable ways to support your children financially—covering investments, gifting, and co-ownership—while keeping your goals on track, protecting your assets, and raising financially savvy kids.
Next Steps: Thinking of helping your kids onto the property ladder? Talk to a Lighthouse adviser about the smartest way to gift, loan, or co-own—without putting your finances at risk.
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The 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.
Trusts, tax hacks, and how the rich play the game. Amanda Quill, Accounting Director at Lighthouse Financial, breaks down the sophisticated financial structures the wealthy use to minimise tax, protect assets, and stay within the lines—and how you can apply the same principles to get your own setup working smarter.
Next Steps: Not sure if your financial structure is working for you? Chat with the team at Lighthouse Financial we’ll make sure your structure fits your goals and keeps more money in your pocket.
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The 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.
We’re joined by Pathfinder CEO John Berry to unpack the grey areas of ethical investing, from greenwashing and responsible due diligence to AI’s energy footprint and how your KiwiSaver choices can shape a better world – all while aiming for strong returns.
This episode is proudly sponsored by Pathfinder.
Are you ready to align your KiwiSaver with your values? Explore how Pathfinder can help you invest ethically without compromising on performance here.
Pathfinder Asset Management Limited is the issuer of the Pathfinder KiwiSaver Plan and Pathfinder Investment Funds. Product Disclosure Statements for the offers are available at pathfinder.kiwi. Past performance is no guarantee of future returns. We encourage all investors to seek financial advice prior to making investment decisions. Learn more about how they invest ethically by reading their Ethical Investment Policy on the website
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The 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.
Markets stumbled and optimism faded in Q1, as recession fears took hold and political uncertainty shook investor confidence.
In this quarterly report we cover:
• Q1 2025 market update
• Bonds vs shares
• Recession fears and global volatility
Next Steps: Have you got a lump sum or not sure what to do with your money? Reach out to Lighthouse Financial for a personalised plan to help you invest with purpose.
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The 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.
What if every property investor in New Zealand vanished overnight? We explore the economic chaos that would follow - crunching the numbers, unpacking the housing market’s fragile balance, and revealing why their exit could crash the banking system.Next Steps: If you're a first home buyer, investor, or just want a sharper mortgage deal, chat with the team at Lighthouse Mortgages - tailored advice that works for you, not the banks.
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The 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.
Hairlines, finance, and tough choices — is a hair transplant really worth it? In this episode, James shares his personal journey through getting a hair transplant, what it cost, why he did it, and how big-ticket spending like this fits into your long-term financial plan without derailing your future goals.Want to learn more? Check out these episodes below:
How To Build Your Emergency Fund Fast
Step By Step Guide: How Financial Advisers Budget Their Money
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The 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.
Think you're all set for retirement? Think again. In this episode, Jess and Makayla break down why New Zealand Super and KiwiSaver might not cut it, and use real numbers to show the true cost of living comfortably in retirement—plus the serious financial gap many Kiwis are facing.
Next Steps: Not sure if your KiwiSaver and retirement plan will get you across the finish line? Book a free chat with a Lighthouse Financial advisor and get a clear, tailored strategy for your future.
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The 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.
Compounding interest is your secret weapon to long-term wealth—if you know how to use it. In this episode, we sit down with Luke Kemeys from Keep the Change to unpack the power of compounding returns, when to invest versus pay down debt, the psychology behind delayed gratification, and how consistent action—financial or otherwise—can lead to exponential outcomes over time.
Learn more about Luke here:
Keep The Change
Next Advisory
Next Steps: Ready to invest smarter and build a financial plan that actually works? Connect with the team at Lighthouse Financial to get started here
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The 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.
Start the new financial year on the front foot by getting your tax setup sorted early. Amanda Quill, Accounting Director at Lighthouse, joins us to share 10 smart tax moves every business owner and property investor should know—from setting up the right bank accounts and claiming deductions to managing GST and planning ahead for provisional tax
Next Steps: Unsure about your tax setup? Chat with Lighthouse Accounting to stay compliant, maximise deductions, and kick off the financial year with confidence.
Want to learn more? Check out these episodes below:
How to Build Your 2025 Financial Plan
What Kiwis Should Do Now: Trump Market Crash
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The 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.
Trump’s tariffs are making waves — but are they hitting the New Zealand property market? In this episode, we unpack how global economic uncertainty and the risk of recession are putting pressure on house prices, tightening credit markets, and driving interest rates down. Whether you're a homeowner, investor, or buyer, we break down what it all means for your next move.Next steps: All this talk of tariffs and uncertainty might have you feeling a little nervous. Well, Lighthouse Mortgages is here to help. We’ve got a team of expert mortgage brokers ready to help you navigate the waters of refixing, restructuring, or purchasing a new property.
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The 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.
Boomers blame brunch, Gen Z blame broken systems — but who really had it tougher trying to buy a home in New Zealand? In this episode, we compare house prices, income ratios, mortgage costs, and the rising cost of living across generations to settle the great housing debate once and for all.
Next Steps: Feel like the odds are stacked against you? Chat to the team at Lighthouse Financial for smarter mortgage advice and a plan to get ahead in today’s market.
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The 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.
Rents are falling and properties are sitting empty—what’s going on? In this episode, we break down why rental prices are dropping across New Zealand, what's driving the surge in vacancies, and what it means for renters, landlords, and the housing market.What we cover:-Why supply has surged and demand has slowed-The impact of migration, unemployment, and interest rates-What falling rents mean for investors and rental yields-Tips for renters to negotiate and save moneyNext Steps: Need expert guidance on navigating the changing property market? Lighthouse Financial helps clients look beyond today’s rent prices to make smarter investment decisions and build a long-term financial plan—reach out today!
Want to learn more? Check out these episodes below:
NZ’s Economy in 2025: Is the Worst Over?
Should You Buy Property with Friends?
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The 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.
Luke Kemeys is building serious wealth - without a mortgage, without the pressure, and 100% on his own terms. In this episode, we’re joined by Luke Kemeys from Keep The Change and Next Advisory to break down the financial plan that’s helped him save 40% of his income, deploy $700K across different investments, and avoid the pressure of homeownership.
Learn more about Luke here:
Keep The Change
Next Advisory
Next Steps:
Want help creating a financial plan that actually fits your lifestyle and goals? Lighthouse Financial works with clients across New Zealand to build personalised strategies that make your money work harder — and smarter.
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The 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.
Subscription theft is costing Kiwis hundreds — and most don’t even realise it. Jess and Makayla break down how sneaky subscription traps are draining your bank account, why Paddy Gower is calling for government action, the worst offending companies (yes, we’re naming names), and what you can do to cancel, track and take back control of your spending.
Next Steps:
Need help reviewing your spending? The team at Lighthouse are holistic financial advisors who can help you take control of your budget and plan for the future learn more here
Want to learn more? Check out these episodes below:
Step By Step Guide: How Financial Advisers Budget Their Money
How To Build Your Emergency Fund Fast
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The 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.
Selling your home in 2025? The game has changed — and buyers are playing smarter than ever. In this episode, we sat down with Alex Martelli from Martelli & Co Buyers Agents to unpack what sellers need to know — from buyer psychology and auction tactics to the legal details that can make or break your sale.
Next Steps:Need expert guidance on structuring your lending strategy and getting the right finance in place? Lighthouse Mortgages can help you secure the funding you need to achieve your property goals. Get in touch here
Want to learn more? Check out these episodes below:
Rent, Buy or Hold? What To Do When Relocating
Should I Buy A House Or Invest In Shares
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The 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.
Markets are tanking and Trump’s back with tariffs — but should Kiwis be panicking? In this episode, we break down what’s really causing the global market dip, how tariffs are affecting everything from inflation to business confidence, and what smart Kiwi investors should be doing right now — whether you're buying, selling, or just riding it out.
What we cover:
Why Trump’s new tariffs are shaking global markets
The impact on Kiwi investors
What a balanced investment portfolio looks like in volatile times
What Kiwis should actually do right now
Next Steps: Feeling unsure about your investments in a falling market? Lighthouse Wealth helps Kiwis build resilient portfolios that align with their goals—no matter the market mood. Reach out today for expert advice and peace of mind.
Want to learn more? Check out these episodes below:
OCR Predictions: Orr Is Out, Tariffs Are In
Is The S&P 500 Just An Illusion Of Diversification?
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The 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.
Adrian Orr steps down and Trump’s tariffs step up—this week, global finance is in flux and Kiwis are wondering what comes next. We break down what the Reserve Bank’s next move means for borrowers, how Trump’s tariffs are shaking the global economy, and what Orr’s exit signals for the future of monetary policy in New Zealand.
Next Steps: Need help navigating rate changes? Talk to the team at Lighthouse Mortgages—no guesswork, no stress, just the right loan with the right structure at the right price.
Want to learn more? Check out these episodes below:
How Trump is Shaping the Global Economy ft. Jarrod Kerr
NZ’s Economy in 2025: Is the Worst Over?
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The 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.
Selling, Renting, or Holding — What’s the Smart Move?
We answer a listener question about whether to rent, sell, or hold when relocating across the country. We break down the pros and cons of each option, how to handle your house sale profits, and why timing and market differences between cities like Wellington and Christchurch really matter.
Next Steps: If you’re moving cities and unsure whether to sell, buy, or rent, get in touch with Lighthouse Mortgages for expert advice tailored to your situation here.
Want to learn more? Check out these episodes below:
Why You Should Buy A Negatively Geared Investment Property
Should I Buy A House Or Invest In Stocks?
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The 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.
We spotlight the best bits from our deep dive into Iyia Liu’s financial planning journey. From managing unpredictable income to navigating the challenges of self-employed lending, Iyia shares practical lessons on building wealth and working toward financial freedom.
Key Topics Covered:
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- Creating a financial plan as a self-employed business owner
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- Managing lumpy income and irregular cash flow
- Challenges of getting lending when self-employed
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- Setting goals for financial freedom
- The importance of wills and insuranceWatch the full episode here
Next Steps:Need expert guidance on building wealth and making smarter investment decisions? Lighthouse Financial Wealth provides tailored financial advice to help you secure your financial future—reach out today!
Want to learn more? Check out these episodes below:
Live Workshop: How To Build Your 2025 Financial Plan
Should I Buy A House Or Invest In Stocks
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The 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
Buying a house solo can feel impossible—could teaming up be the answer? As housing affordability becomes more challenging, co-ownership is becoming a popular solution. In this episode, we explore the benefits and risks of buying with friends, share our own experiences as co-owners, and discuss the key financial and legal considerations to ensure a smooth partnership.
Next Steps: Thinking about co-owning a property? Lighthouse Mortgages can help you navigate the finance, find the best lending options, and structure your purchase the right way—get in touch today!
Want to learn more? Check out these episodes below:
What To Do With Your KiwiSaver in 2025
Should I Buy A House Or Invest In Stocks
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The 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
Gender-based pricing affects more than just individual purchases—it has a lasting impact on household budgets and long-term financial wellbeing. In this episode, Jess and Makayla explore the pink tax, examining how it shows up in everyday products and services, the broader economic implications, and how greater awareness and small shifts in spending habits can help mitigate its effects
Next Steps: Feeling the impact of your everyday spending? Lighthouse Financial can help you create a tailored financial plan that accounts for these hidden costs and sets you up for long-term success. Get in touch with our Wealth team today.
Want to learn more? Check out these episodes below:
Dupe Culture
How To Financially Get Ahead In Your 20's
The 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.
Iyia Liu has built and sold multiple successful businesses—now, she’s refining her personal financial plan. In this episode, we dive into her approach to managing income as an entrepreneur, her strategy for property investment, and how she’s setting herself up for long-term financial freedom. From navigating self-employed lending to building wealth beyond business, we break down the key steps in Iyia’s financial journey.
Next Steps: Need expert guidance on building wealth and making smarter investment decisions? Lighthouse Financial Wealth provides tailored financial advice to help you secure your financial future—reach out today!
Want to learn more? Check out these episodes below:
Live Workshop: How To Build Your 2025 Financial Plan
Should I Buy A House Or Invest In Stocks
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The 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
Looking to buy a home but struggling with high prices? In this episode, we explore New Zealand’s most affordable housing markets, the risks and rewards of regional investment, and whether rentvesting could be your best path to homeownership. Plus, key factors driving property growth and smart mortgage strategies to get you there.
Next steps:
Looking to buy in one of NZ’s most affordable regions or start your rentvesting journey? Lighthouse Financial Mortgages can help you navigate your options and secure the right loan—so you can turn property goals into reality! Get in touch.
Want to learn more? Check out these episodes below:
Should I Buy A House Or Invest In Stocks?
Why You Should Buy A Negatively Geared Investment Property
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The 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
Nvidia has been the hottest stock in AI, but is it all hype or solid investment? In this episode, we break down its 200% year-on-year revenue growth, the dominance of its AI chips, the risk of overvaluation, rising competition from China, and what history tells us about tech bubbles—so you can decide if it's a smart buy or just another hype train.
Next Steps: Wondering how to navigate market hype and make smarter investment decisions? The Lighthouse Financial team can help you build a long-term wealth strategy—get in touch today!
Want to learn more? Check out these episodes below:
What Is An ETF
Intensification vs. Diversification
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The 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
Should you go all-in or hedge your bets? In this episode, we explore the key differences between intensification and diversification, breaking down how each approach impacts investing in shares, property, and business. We unpack the risks of betting on high-growth stocks, the safety of diversifying across asset classes, and why top investors favour one strategy over the other.
Next Steps:
Need expert guidance on building wealth and making smarter investment decisions? Lighthouse Financial Wealth provides tailored financial advice to help you secure your financial future—reach out today!
Want to learn more? Check out these episodes below:
Is The S&P500 Just An Illusion Of Diversification?
How Trump Is Shaping The Global Economy
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The 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
Think an inheritance is just free money? Think again! In this episode, we uncover the true cost of an inheritance in New Zealand—because while 50% of Kiwis don’t have a will, 100% of family disputes over money are a nightmare. Michael and James break down common misconceptions, share wild inheritance stories, and explain how to protect your family, avoid legal headaches, and build generational wealth that lasts.
Next Steps: Not sure what to do with your inheritance? Lighthouse Wealth can help you make smart financial decisions, avoid costly mistakes, and ensure your money works for you—book a free consultation today!
Want to learn more? Check out these episodes below:
Ultimate Guide To Kid Friendly Investing
How Much Do You REALLY need to retire?
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The 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
Gen Z, listen up—this is the money talk you need! In this episode of The Takeover, Jess and Makayla break down the key financial lessons they wish they knew in their 20s—from avoiding lifestyle creep to negotiating salaries and making smart money moves early. Whether you're just starting out or playing catch-up, these practical tips will help set you up for long-term financial success.
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If you're in your 20s and looking to get your finances on track—whether it's budgeting, investing, or planning for your first home—get in touch with the Lighthouse Financial Wealth team to start building your financial future today!
Want to learn more? Check out these episodes below:
What School Should Have Taught You About Money
How Financial Advisers Budget Their Money
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The 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
In this episode we sit down with Kiwibank’s Chief Economist, Jarrod Kerr, to unpack “Trumpnomics” and its ripple effects on global markets, trade, and New Zealand’s economy. From tariffs and inflation to AI and government debt, we explore how shifting economic and political landscapes could shape the future for investors and businesses alike.
Next Steps:
Navigating an uncertain economy requires staying informed and thinking long-term. From trade tensions to tech shifts, smart investors adapt to both risks and opportunities.For expert financial guidance, contact Lighthouse Wealth today.
Want more insights? Check out these episodes:
OCR Predictions
What Trump Tariffs Mean For NZ
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The 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
Why would anyone buy a property that LOSES money? In this episode, we break down the real strategy behind negatively geared investments—how short-term losses can lead to long-term wealth, who should (and shouldn’t) use this approach, and the key risks to watch out for. Plus, some wild landlord stories you won’t believe. Don’t miss this deep dive into property investing!
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If you're considering a negatively geared investment property, having the right mortgage strategy is key—Lighthouse Financial can help you structure your lending for long-term success. Get in touch with our team today
Want more insights? Check out these episodes:
2025 Property Predictions ft Matthew Horncastle
How To Avoid Dodgy Developers ft Matthew Horncastle
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The 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
School taught us calculus, but did it ever teach us how to do our taxes or budget for rent? In this episode of Cheques & Balances, Jess and Makayla dive into the money lessons we should have learned in school—like avoiding sneaky debt traps, understanding tax brackets, and why waiting before splurging on that $600 bag might be the smartest financial move you make.
Brought to you by Lighthouse Financial – for thorough financial advice on tax, income, and growing your wealth, talk to the experts in the Lighthouse Financial Wealth Team.
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Want more insights? Check out these episodes:
How Financial Advisors Budget Their Money
What To Do With Your KiwiSaver
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The 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
In this episode, Kiwibank Chief Economist Jarrod Kerr breaks down NZ’s economy, interest rates, and housing market. Are we on the road to recovery, or is more pain ahead? Plus, how U.S. inflation and Trump could shake things up. Expert insights, market moves, and what it all means for you.
More market insights & financial strategies:Preparing for what’s ahead? Lighthouse Financial can guide you through interest rates, housing, and investments.
Want more insights? Check out these episodes:
OCR Predictions
What Trump Tariffs Mean For NZ
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The 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
In this episode, we explore how to give your family’s next generation a financial head start. From smart savings strategies to unlocking the power of long-term growth, we break down how parents can set their kids up for financial success—without sacrificing their own future. Whether you're considering KiwiSaver, investment funds, or teaching money lessons early, this is your go-to guide for building generational wealth the right way.
This episode is proudly sponsored by Partners Life.
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The 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
In this episode, we’re joined by Adam Farrell, Director of Lighthouse Property, to break down what smart investors always look for in properties. From understanding property titles to identifying high-growth areas and making confident buying decisions, Adam shares expert insights to help you maximise your property investments.
Register for Adams upcoming property investment webinar here
Register for APIA’s ‘Power Skills for Investment Success’ workshop.
Get your FREE ticket with code ‘BESTPOD’ at checkout.
Date: 11th March 2025 | Location: Parnell, Auckland
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The 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
In this episode, we tackle one of the biggest financial questions—how much do you need to retire? We break down the key factors, from lifestyle costs to investment strategies, and share a simple rule of thumb to help you estimate your retirement number. Whether you're just starting out or catching up later in life, this episode will help you take control of your financial future.
This episode is proudly sponsored by Partners Life.
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The 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
In this episode of The Takeover, Jess and Mikayla break down how they manage their own budgets, offering a step-by-step guide to structuring finances. They discuss the 50/30/20 rule, unexpected expenses, and strategies for automating bills and setting up smart spending buckets. Plus, they highlight the importance of balancing savings with spending and creating a budget that actually works in real life.
Learn more about PocketSmith here
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The 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
In this episode, we break down what you should be doing with your KiwiSaver in 2025, covering the top-performing growth and aggressive funds, socially responsible options, and key factors to consider when choosing a provider. We also discuss common mistakes, when to switch funds, and how to maximise your returns for retirement or a first home.
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The 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
In this episode, we sit down with Stanley Henry, CEO of The Attention Seeker, to discuss his journey of scaling a global marketing agency. Stanley shares insights on the power of personal branding, taking bold risks, and what it takes to build a thriving business.
This episode is proudly sponsored by Partners Life.
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The 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
In this episode, we dive into our OCR predictions, what further cuts could mean for Kiwi mortgage holders, and how global events—like Trump’s economic moves—might influence New Zealand’s financial future. Plus, we break down whether term deposits are still a smart move and how these changes could impact Kiwis and their back pocket.
This episode is proudly sponsored by Partners Life.
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The 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
Join Matt Harris and James Blair as they unpack everything you need to know for your 2024 tax return—must-know deductions, key compliance tips, and strategies to keep more cash in your pocket.
Listen to next: https://spotifycreators-web.app.link/e/uIT3pAcAMQb
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The 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.
In this episode, we are joined by Adam Farrell Director of Lighthouse Property to uncover the sneaky tactics property developers use to make deals seem better than they really are—like misleading bedroom sizes, hidden defects, and tricky negotiation strategies. We also share expert tips on how to spot red flags, negotiate smarter, and avoid getting caught out when buying a property.
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The 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
In this episode, we're joined by Matt Harris, Managing Director here at Lighthouse Financial, as he shares his top tax-saving strategies. From home office deductions to personal insurance and smart investment structures, Matt breaks down practical ways to help you keep more money in your pocket. Tune in to discover how to maximise your tax return and minimise your liability!
This episode is proudly sponsored by Partners Life.
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The 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
In this episode, we break down the latest quarterly report, covering key market trends from October to December 2024, including the impact of a strong US dollar on global equities, the surge in gold, and the struggles of listed property. We also explore the hedge vs. unhedged debate, the dominance of the Magnificent Seven, and why diversification is essential for 2025.
Listen to next: Episode 237: Is The S&P 500 Just An Illusion Of Diversification? Ft. Kernel Founder Dean Anderson
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The 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
In this episode, we break down what Trump’s tariffs mean for the New Zealand economy, exploring their global economic impact, the short- and long-term consequences, and how the potential trade war could affect Kiwi businesses and consumers. Tune in for insights, bold predictions, and a reality check on what’s next.
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The 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
In this episode, we tackle the age-old question: is it better to buy a home or rent and invest? We weigh the benefits of each option, from the stability and forced savings of homeownership to the diversification and liquidity of investing.
Plus, we dive into the 'rentvesting' strategy—renting where you want to live while building wealth through property. Whether you're chasing the Kiwi dream or looking to invest smartly, this episode will help you make the best financial choice.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we break down what a capital gains tax could mean for property investors, homeowners, and New Zealand’s economy. We discuss the potential winners and losers, how tax policies impact investment, and whether New Zealand is doing enough to attract global capital. Tune in for a balanced take on one of the country's most debated financial topics.
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The 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.
In this episode of The Takeover, we explore the best ways to save on travel, from booking flights at the right time to finding affordable destinations. Learn about shoulder seasons, last-minute deals, and actionable tips to stretch your travel budget.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode we break down what an ETF (Exchange Traded Fund) is, cutting through the jargon to explain how they work, their benefits, and potential risks. Whether you're a seasoned investor or just starting out, learn how ETFs can fit into your financial strategy.
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The 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.
Ready to take control of your finances? In this episode, we share actionable strategies to build your emergency fund—fast. Learn how to save your first $1,000, create a reliable safety net, and prepare for life’s unexpected twists. Secure your financial future with tips you can put into action today!
In this episode we cover:-How to save your first $1,000 quickly and efficiently.-Practical budgeting tips to free up extra cash.-The importance of automating your savings to stay consistent.-Strategies to avoid common financial pitfalls and protect your emergency fund.
This episode is proudly sponsored by Partners Life.
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The 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.
In our latest episode, we sit down with Sarina Gibbon, Head of the Auckland Property Investors Association, to break down the latest updates to New Zealand’s tenancy laws. From 90-day no-fault termination notices to the introduction of pet bonds, Sarina explains what these changes mean for landlords. Don’t miss this essential guide to navigating the evolving rental market in 2025.
Join the Auckland Property Investors Association today! Use code JAMESANDMIKE at APIA for a free one-month membership.
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The 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.
Join Mike and James as they break down the fundamental, actionable steps to creating a solid financial plan for the year ahead.
In this webinar, they cover:
-Setting goals that align with your values-Budgeting effectively and managing debt-Making smart investment decisions-Protecting and growing your wealth-Staying accountable with regular financial reviewsWhether you’re aiming to buy your first home, grow your investments, or gain better control of your finances, this webinar is packed with practical advice to help you turn your 2025 financial goals into reality.
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The 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.
In this episode, we dive into the psychology of financial decision-making, exploring common biases like anchoring and loss aversion that can impact your investments. Learn how to recognise these pitfalls, reframe decisions, and make smarter financial choices for a more secure future.
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The 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.
In this episode of The Takeover, we dive into the financial side of family planning. From the costs of IVF to budgeting for egg freezing, we explore the key expenses involved in starting or growing your family. Whether you're navigating these options now or planning ahead, we offer practical advice to help you align your finances with your family-building goals.
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The 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.
In this episode of The Takeover, Jess and Makayla share key insights and tips for first-time homebuyers, from avoiding common pitfalls to managing your budget effectively. Learn how to clarify your priorities, navigate mortgage approvals, and surround yourself with the right experts to make confident, informed decisions.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we sit down with Josh Taylor, co-founder of Taxi and Tax Traders, to explore how their workflow tool is helping Kiwis simplify the preparation of provisional tax bills. We also discuss Josh's experiences with business growth, expansion, and navigating setbacks, as well as the impact of their innovative solutions on New Zealand businesses.
Learn more about Tax Traders hereLearn more about Taxi here
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The 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.
In this episode, we sit down with Matthew Horncastle, Managing Director of Williams Corporation to delve into the complexities of buying off the plans, from navigating sunset clauses to securing deposits and protecting your investment. Learn practical tips to safeguard your purchase and avoid common pitfalls in a shifting property market.
Learn more about Williams Corporation here
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The 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.
In this episode, we sit down with Murray Harris, Head of KiwiSaver at Milford, to break down the basics of KiwiSaver, its benefits, and how it can play a key role in your retirement strategy. Whether you're new to KiwiSaver or looking to make the most of your contributions, tune in for expert tips and insights.
Learn more about Milford here
Utilise their KiwiSaver calculator here
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The 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.
In this episode, we sit down with an extra-special guest, Cooper Blair, to explore five financial tips every new parent needs to know. From creating a baby budget to planning for long-term goals, we cover the essentials for navigating the financial challenges of parenthood.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode of The Takeover, Jess and Makayla dive into the rise of dupe culture, exploring how affordable alternatives to luxury products are gaining popularity. They discuss the pros and cons of dupes, from budget-friendly benefits to ethical concerns in the marketplace.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we break down why a solid financial plan for 2025 is key to hitting your goals. From setting SMART targets to managing your income and expenses, we dive into strategies to set you up for success in the year ahead.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we revisit some of the top advice shared by our 2024 guests: from tackling debt to navigating the commercial property sector and entrepreneurial growth, featuring Reagan White, Scott O'Neill, and Matthew Horncastle. Discover valuable lessons, insightful strategies, and inspiration to guide your financial journey in the year ahead.
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The 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.
Dive into 2024's top property insights with Sam Stubbs, Founder of Simplicity, Jarrod Kerr, Chief Economist at Kiwibank, Matt Harris, Managing Director of Lighthouse Financial and James Kellow, Director of NZMS. From expert strategies on navigating the housing market to securing investments and building wealth, these highlights are packed with actionable advice to help both seasoned investors and first-time buyers thrive in real estate.
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The 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.
In this episode, we highlight some of the top share market and economic insights of 2024, featuring expert guests Jarrod Kerr, Chief Economist at Kiwibank, Sam Stubbs, Founder of Simplicity, Dean Anderson, Founder of Kernel, and Murray Harris, Head of KiwiSaver at Milford. From share market trends to KiwiSaver strategies and investment tips, these top insights will help guide your financial decisions in 2025 and beyond.
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The 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.
The 2024 Financial Review—the episode you’ve been waiting for! Join Mike, James, Makayla, and Jess as they break down the year’s highs, lows, and everything in between. From rising unemployment and government deficits to housing affordability and personal finance hurdles, we cover the key trends shaping New Zealand’s economy in 2024. Plus, get a behind-the-scenes look at the hosts' own financial wins and setbacks.
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The 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.
In this episode, we sit down with Matthew Horncastle, Managing Director of Williams Corporation to unpack his insights on New Zealand's property market for 2025. From government spending to tax policies and housing growth predictions, we explore the key factors shaping the year ahead and what they mean for all Kiwis.Learn more about Williams Corporation here
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The 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.
In this episode, we sit down with Steve Goodey, property coach and investor, to explore the state of New Zealand’s property market and its future in 2025. From foreign buyer regulations to innovative investment strategies, Steve shares candid insights and strategies for navigating the ever-changing real estate landscape.Learn more about Steve Goodey Property Coaching here
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The 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.
In this episode, we sat down with Matt Harris, our very own Managing Director here at Lighthouse Financial, to uncover practical strategies for minimising your tax bill in 2025. From the importance of tidy records to optimising property structures and leveraging chattels valuations, Matt shares actionable advice to help you keep more of your hard-earned money.
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The 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.
In this episode, we sat down with Murray Harris, Head of KiwiSaver at Milford, to explore the performance of active versus passive KiwiSaver funds and why active management continues to deliver strong returns. Murray also shares insights into Milford’s investment strategies, the importance of research, and how KiwiSaver could support New Zealand’s future growth.Learn more about Milford here
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The 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.
In this episode of The Takeover, Makayla and Jess explore five smart ways to stretch your budget this summer. From choosing the best seasonal splurges to uncovering clever savings tips, you’ll discover how to make your money go further during the warmer months.
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The 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.
In this episode, we sit down with Madison Reidy, the driving force behind Markets with Madison. From rocket launches to Wall Street, Madison shares how curiosity and bold ambition have shaped her career, offering unique insights into the industries and people redefining our future, including the habits and lessons of the world’s top CEOs.Learn more from Markets With Madison here
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The 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.
In this episode, we sit down with Scott O'Neill, CEO and founder of Rethink Group, to explore the key considerations for Australians and New Zealanders investing in commercial property across the Tasman. From financing and tax differences to natural hazards and market opportunities, Scott shares insights on diversification, due diligence, and timing for maximising returns in a dynamic property market.
Learn more about Rethink Group here
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The 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.
In this episode, James and Mike explore the journey of securing a property bargain, from navigating deceased estates to handling unexpected repairs. Learn how to assess risks, negotiate effectively, and uncover hidden value in a competitive market.
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The 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.
In this webinar Mike and James share their journey of transforming a renovation project into a $1 million success in just 10 weeks, under expert guidance from Real Estate Investor and Coach Ilse Wolfe.In this webinar, they dive into:🔨 Essential steps in the renovation process🔨 Lessons learned and challenges overcome🔨 Insider tips for profitable investmentsWhether you're a seasoned investor or just starting out, this webinar is packed with actionable advice and inspiration!Learn more about Boardroom by Wolfe Property here
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The 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.
In this episode, we sit down with Mark Harris, Managing Director of New Zealand Sotheby’s International Realty, delving into the experiences that shaped his journey to the top of the real estate industry. Mark shares personal stories from his formative years, insights into Queenstown’s thriving property market, and thoughts on what makes this iconic region a standout investment destination.
Learn more and to get in touch with the New Zealand Sotheby’s International Realty team here
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode of The Takeover Makayla and Jess compare the cost of living in Auckland and Vancouver. From salaries and housing to groceries and transport, they explore whether the grass is truly greener across the Pacific—or if the challenges of affordability are universal.
This episode is proudly sponsored by Partners Life.
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The 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.
We uncover the dark side of Black Friday, exploring staggering sales statistics, misleading deals, and predatory debt practices. Through stories of thrift finds and regrets, we delve into the psychology behind consumerism.
This episode is proudly sponsored by Partners Life.
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The 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.
Join us as we delve into the upcoming OCR announcement and its potential impact on mortgage rates. From economic factors to interest rate predictions, we break down what this means for homeowners and the housing market.
This episode is proudly sponsored by Partners Life.
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The 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.
We sat down with Hamish Pinkham, co-founder of Rhythm and Vines, to discuss the festival’s evolution from a summer project to a cultural icon, and how sustainability, strategic partnerships, and a dedicated team have contributed to its success. Tune in for insights on the financials behind the festival and what’s next for this renowned New Zealand event.Learn more about Rhythm and Vines here
This episode is proudly sponsored by Partners Life.
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The 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.
We’re joined by Mark Harris, managing director of New Zealand Sotheby’s International Realty, to discuss Queenstown’s unique property market. From international appeal to lifestyle-driven growth, Mark shares insights on future opportunities and what makes Queenstown one of New Zealand’s hottest real estate scenes.Learn more and to get in touch with the New Zealand Sotheby’s International Realty team here
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we sit down with the commercial property king, Scott O'Neill, Founder and CEO of Rethink Group. We compare commercial and residential property investments, highlighting the risks, rewards, and challenges of both to help you decide which investment truly wins.Learn more about Rethink Group here
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode of The Takeover, we discuss whether you should work for love or money, and how to balance financial goals with personal happiness. We explore the relationship between money, happiness, and career choices, understanding how income influences life satisfaction and how people use wealth to enhance their well-being.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we sit down with Director of NZMS James Kellow to discuss the future of housing in New Zealand. We explore the factors shaping New Zealand’s housing market, from affordability challenges to the impact of council regulations on new builds. We discuss whether current policies are helping or hindering the future of homeownership and investment in the country.
Learn more about NZMS
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The 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.
In this episode, we dive into the latest quarterly update, exploring whether today's high returns are sustainable and what that means for investors heading into 2025. Join us as we analyse market trends, share insights, and discuss strategies for navigating the ever-changing financial landscape. Don’t miss out on vital information that could shape your investment decisions!
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we delve into whether the S&P 500 truly offers diversification for investors. We unpack the index's composition and performance, examining if it lives up to its reputation as a diversified fund in today's market.Learn more about Kernel
This episode is proudly sponsored by Partners Life.
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The 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.
We recently sat down with Scott O'Neill, CEO and founder of Rethink Group, Australia’s largest commercial buyers agency.
Scott shares his journey from humble beginnings to building a property empire, diving into his strategic approach to property investment, the importance of positive cash flow, and how he’s helping investors rethink their approach to the commercial property market.
Learn more about Rethink Group here
This episode is proudly sponsored by Partners Life.
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The 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.
A Beginner's Guide On NZ's Commercial Property Boom ft. Scott O'Neill | Episode 235
We recently sat down with Founder & CEO of Rethink Group Scott O'Neill to understand the complexities of commercial property in New Zealand and Australia. If you’ve ever been interested in commercial property, this webinar runs through everything you need to know - we discussed key market trends, strategies for success, and how shifting interest rates are influencing investment opportunities.
Learn more about Rethink Group here
This episode is proudly sponsored by Partners Life.
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The 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.
We sat down with property expert and our very own Lighthouse Financial Managing Director Matthew Harris, to discuss the rise of property flipping in New Zealand's current market. He explores why investors are trading properties now and the potential risks and rewards associated with this cash flow strategy amid declining house values and high interest rate.
This episode is proudly sponsored by Partners Life.
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The 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.
We sat down with Stephanie Pow, the Founder of Crayon, and explored the significant financial burdens of raising children, highlighting costs like education, healthcare, and extracurricular activities that can accumulate over the years.
Listen to our previous episode with Stephanie here.
Learn more about Crayon here.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we explore the potential risks facing New Zealand's economy. We also dive into the challenges businesses face in navigating costs, redundancies, and positioning themselves for future growth opportunities.
This episode is proudly sponsored by Partners Life.
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The 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.
We explore the intriguing question of whether investing in your own company is a smart move with insights from Luke Smith, Senior Product Lead at Sharesies and CEO of Orchestra.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode of The Takeover, we share practical tips for saving money and sticking to your budget this Christmas, from prioritising experiences over expensive gifts to using a shopping list and comparing prices.
This episode is proudly sponsored by Partners Life.
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The 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.
We’re joined once again by Kiwibank Chief Economist Jarrod Kerr to discuss the latest CPI and inflation data, offering insights into how these shifts are shaping New Zealand's economic future.
This episode is proudly sponsored by Partners Life.
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The 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.
We dive into our latest multi-unit renovation project, where we’ve bought 12 houses in Upper Hutt. We share the challenges we faced, from managing tight timelines to balancing budgets, and explain how we plan to maximise value through renovations and increased rents.
This episode is proudly sponsored by Partners Life.
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The 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.
We explore the details of business structuring in New Zealand, highlighting the pros and cons of look-through companies (LTCs).
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we share our journey of purchasing 12 houses, discussing our financial goals and the initial hesitations we faced. With Ilse Wolfe’s guidance, we explore the challenges of investing in an unfamiliar market and reflect on key lessons learned so far. Keep an eye out for part 2!
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we explore the potential outcomes of the upcoming OCR announcement and its impact on the economy.
This episode is proudly sponsored by Partners Life.
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The 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.
We explore the essential steps to getting retirement ready, covering how to build a solid financial plan, invest smartly in property and managed funds, and manage your finances effectively for long-term success.
This episode is proudly sponsored by Partners Life.
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The 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.
This episode explores how the concept of retirement has evolved. We discuss New Zealand’s public pension system and modern financial strategies for navigating longer retirements.
This episode is proudly sponsored by Partners Life.
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The 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.
We sit down with Josh Daniell, Co-Founder of Akahu, to discuss the future of banking in New Zealand, from the latest trends in open banking to its potential impact on consumers.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we delve into the principles of building wealth and share actionable steps you can take today to achieve long-term financial freedom amidst today’s economic challenges.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We break down the top ways to build wealth in your 40s, whether you’re at the peak of your career and own property or starting fresh.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We explore the financial implications of having kids versus not having them, delving into key considerations for prospective parents. Covering key topics such as parental leave, the financial strain of upgrading homes, and the often unexpected costs of raising children.
Check out Crayon and our past episode with Stephanie Pow!
This episode is proudly sponsored by Partners Life.
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The 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.Re
In this special webinar episode, we sit down with Luke Kemeys from Keep The Change and Tom Hartmann, Sorted’s Personal Finance Lead, to walk us through five essential steps to grow your wealth. From building a $1,000 emergency fund to clearing high-interest debt, we cover key strategies to help you take control of your finances and start investing for the future.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We chat with Debt Free Diva, Tracy Hemingway, who shares her inspiring journey of paying off $94,000 in just three years. Tracy reveals how she hustled to increase her income, slashed expenses, and mastered budgeting, all while maintaining a balanced life.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we explore actionable strategies to navigate the economic downturn, highlighting the critical need to understand your finances, reduce unnecessary expenses, and set realistic expectations during tough financial times.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We’re joined by Matthew Horncastle, Managing Director of Williams Corporation, to discuss how to build a bulletproof financial plan. We share the key steps and strategies to help you create a robust financial plan and achieve long-term financial stability.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We look into the true cost of breaking a fixed rate mortgage and why it might cost you more than expected.
This episode is proudly sponsored by Partners Life.
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The 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.Re
Buying a house in your 50’s can be a significant financial decision, with both advantages and potential risks. We breakdown the risks involved and factors to consider when determining if taking on a mortgage later in life is financially viable.
Tune in to our episode on ‘How To Help Your Parents If They Are Behind Financially’ here.
This episode is proudly sponsored by Partners Life.
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The 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.Re
Retirement planning is one of the most critical financial decisions we will ever make. We sit down with Retirement Commissioner, Jane Wrightson, to explore the evolving landscape of retirement in New Zealand, the role of KiwiSaver, and the challenges we face as our population ages.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We explore the rise of financial scams in New Zealand, from Ponzi schemes to boiler room scams and pyramid schemes. Learn the key warning signs, how to protect yourself, and hear real-life stories.
If you believe you’ve been scammed or have encountered a scam attempt, you can report it through the following resources:
https://www.dia.govt.nz/Spam-How-to-Report-Scams
https://www.consumerprotection.govt.nz/general-help/scamwatch/report-a-scam
https://www.fma.govt.nz/contact/
This episode is proudly sponsored by Partners Life.
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The 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.Re
We dive deep into the surprising amount of your lifetime earnings that go towards taxes with Lighthouse Accountant, Andrew Higgs. Discover how long the average Kiwi works just to pay off their lifetime tax burden and why those in the bottom 10% of earners face an even steeper uphill battle.
This episode is proudly sponsored by Partners Life.
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The 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.Re
Guest host Reagan White, from Where’s My Money?, joins us to discuss why 2025 is set to be a better year than 2024, with a particular focus on improving interest rates and the overall economic outlook. We dive into how the Reserve Bank’s decisions and the current economic climate could set the stage for a brighter future.
This episode is proudly sponsored by Partners Life.
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The 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.Re
Reagan White returns to share lessons from his financial journey and podcast insights. We explore what he’s learned from his guests and how these lessons have shaped his money approach.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We sit down with Reagan White, host of the Where’s My Money? podcast, as he opens up about his personal experience tackling and managing a daunting $1 million in debt.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We sit down with Tom Hartmann, Personal Finance Lead at Sorted, to delve into the pressing issue of financial struggle among New Zealanders. Despite advancements in financial literacy, a staggering 56% of Kiwis are grappling with their finances.
This episode is proudly sponsored by Partners Life.
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The 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.Re
We explore personal finance advice shared on the NZ Reddit community, determining if the advice given is solid or questionable.
This episode is proudly sponsored by Partners Life.
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The 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.
We discuss the importance of financial literacy for children with Jovan Pavlicevic, Co-Founder of SquareOne, a platform dedicated to empowering the next generation with essential money management skills–sharing insights into how SquareOne is making a difference in the financial education landscape.
Check out SquareOne here!
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The 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.
From the high rates of the past to the current easing trends, we explore how these changes affect your wallet and offer insights on navigating the shifting financial landscape.
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The 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.
We dive into the latest market developments from April to June 2024, discussing the impact of AI stock fluctuations, the S&P 500’s performance, and New Zealand’s economic challenges. Despite market volatility, we highlight the resilience of bonds and anticipate potential benefits from recent OCR cuts.
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The 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.
We dive into your reactions and insights from our recent conversation with Jarrod Kerr, Kiwibank’s Chief Economist, covering everything from tax policies to housing market trends.
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The 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.
We’re joined once again by Sam Stubbs, the visionary founder of Simplicity, as he discusses the long-term thinking behind Simplicity’s 100-year plan for housing in New Zealand.
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The 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.
We sit down with Sam Stubbs, Founder of Simplicity Living, to discuss his extensive career journey and the innovative approach he has brought to Simplicity through life’s learnings and hard truths.
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The 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.
In today’s webinar special, we share practical tips and insights on how to buy your first home in 2024. Whether you’re a first-time buyer or updating your knowledge, we talk through ways to help you get started on the property ladder.
If you’re interested in organising a financial literacy webinar for your workplace and having us speak to your team, please reach out here.
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The 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.
We explore the various types of insurance, including life, income protection, trauma, and health insurance, discussing what each covers and why they are vital for financial security. Whether you’re new to insurance or reassessing your current policies, this episode provides valuable insights to help you make informed decisions.
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The 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.
We sit down with Simon Brown, Co-CEO of Banqer, to delve into the state of financial literacy in New Zealand and beyond. Simon shares his expertise on how Banqer is revolutionising financial education through its innovative online platform, which simulates real-world financial scenarios.
The Money Month Challenge is a free two-week online challenge to help you build your financial capability, confidence and ultimately well-being! Register now! The challenge starts on the 12th of August and runs for two weeks. Everyone in Aotearoa New Zealand is welcome to register. Sign up with your colleagues, whānau, friends or community group. Learn as you play and compete to win over $7,000 worth of prizes thanks to our Partner and sponsor Partners Life: https://banqer.co/nz/money-month
This episode is proudly sponsored by Partners Life: https://www.partnerslife.co.nz/
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The 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.
In today’s webinar special, we dive into making smart financial decisions amid inflation, rising interest rates, and investment volatility. Covering market updates, recession survival tips, and the importance of planning.
If you’re interested in organising a financial literacy webinar for your workplace and having us speak to your team, please reach out here.
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The 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.
We delve into the frustrations and challenges that drive property owners to give up on their investments. As well as some personal experiences with property management pitfalls, from neglected maintenance to ineffective communication.
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The 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.
We explore the critical topic of debt, discussing the different types Kiwis commonly carry and how they can impact your financial health.
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The 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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The 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.
We’re joined by Kiwibank’s Chief Economist, Jarrod Kerr, to explore the challenges and opportunities within the New Zealand property market and broader economy. We cover everything from government housing initiatives and recent migration trends to the NZ stock market compared to the US and KiwiSaver contributions. Tune in for a deep dive into economic strategies and their implications for New Zealand's future.
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The 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.
We’re joined once again by Kiwibank Chief Economist Jarrod Kerr to discuss New Zealand’s latest inflation numbers and the forecast for interest rates. We explore whether rates will drop to 5% by the end of 2025 and share insights on the current economic challenges, the anticipated fall in inflation, and the potential for a rate cut by November.
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The 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.
We reveal the top 5 money tips from billionaires and how you can apply them to your own financial journey. From the importance of long-term investments and goal setting to building an emergency fund, these practical tips offer valuable insights for achieving financial success.
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The 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.
In this episode, we unravel the top 5 money myths that many Kiwis hold. Should you avoid loaning money to friends or family? Is relying on NZ Super for retirement a safe bet? Join the discussion as we dive deep into these financial misconceptions.
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The 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.
Discover the inspiring journey of a couple who lived rent-free for six years through house sitting across New Zealand. Learn how they managed to cover their mortgage and achieve financial freedom by leveraging this innovative lifestyle choice.
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The 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.
We delve into five crucial steps to secure long-term wealth and financial stability, including creating a solid financial plan, building an emergency fund, avoiding lifestyle inflation, preparing for parental leave, and getting onto the property ladder.
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The 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.
We dive into behavioural finance, exploring five common financial biases: anchoring, loss aversion, overconfidence, framing, and recency. We break down how these biases can impact your investing decisions and daily life, offering practical tips to recognise and avoid them.
This episode is proudly sponsored by Partners Life.
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The 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.
We discuss the recent changes to Loan-to-Value Ratios (LVRs) and how these updates impact Kiwi property buyers, breaking down the essentials you need to know and offering clear insights and practical advice for navigating the new rules.
This episode is proudly sponsored by Partners Life.
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The 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.
We sit down with property investor and developer Matt Harris to discuss the new accounting changes effective from 1 July 2024, allowing for debt restructuring to achieve tax efficiency.
Join Matt and Mike for their FREE Webinar as they go through all the potential applications of these new changes and outline how these may apply to you and your situation: https://us06web.zoom.us/webinar/register/WN_8Ba3H_vuQfGuD64LaKdI6w#/registration
This episode is proudly sponsored by Partners Life.
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The 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.
We sat down with Carmen Vicelich, New Zealand's trailblazing serial female data and tech entrepreneur reshaping the property landscape. Through her visionary leadership and advocacy for digital innovation amidst global challenges like COVID-19, Carmen champions resilience, strategic insights, and transformative solutions to propel New Zealand towards economic prosperity and global competitiveness.
This episode is proudly sponsored by Partners Life.
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The 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.
We compare the purchasing power of different generations in New Zealand by examining historical data on wages, house prices, interest rates, and living costs.
This episode is proudly sponsored by Partners Life.
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The 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.
We explore the emotional impact of financial loss, strategies for learning from past mistakes, and methods to build a strong financial base, providing practical insights and actionable steps for financial recovery and stability.
This episode is proudly sponsored by Partners Life.
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The 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.
Finances can be a difficult thing to discuss with your partner. However, it’s crucial to be on the same page to ensure a healthy relationship. This week we explore the importance of financial harmony, what happens when you're not aligned, and how to remedy financial discord.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we explore the unsettling reality of financial adviser fraud. With guest Steven Burgess, Director of Compliance Refinery, we discuss notorious cases like Bernie Madoff's $65 billion Ponzi scheme, how common financial adviser fraud is, and the red flags to watch for.
This episode is proudly sponsored by Partners Life.
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The 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.
We dive into the exciting yet overwhelming scenario of winning Lotto Powerball's record $50 million jackpot, discuss key steps to take afterward, and share our personal strategies for handling the win.
This episode is proudly sponsored by Partners Life.
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The 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.
We sit down with multi-million dollar business owner, Iyia Liu, to gain insights into the world of side hustles. From starting small to scaling up, Iyia's journey offers practical advice for anyone looking to pursue their entrepreneurial dreams.
This episode is proudly sponsored by Partners Life.
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The 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.
We dive into five money drains that might be silently eating away at our finances. It's crucial to understand where our money goes, even on seemingly small expenses that add up over time.
This episode is proudly sponsored by Partners Life.
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The 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.
In this episode, we discuss tips for first home buyers. Avoid traps like poor building materials, unconsented works, and leasehold properties. Learn strategies for making smart offers and the importance of professional advice.
This episode is proudly sponsored by Partners Life.
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The 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.
Discover how Iyia Liu turned from a university student to the owner of four seven-figure businesses as she shares her journey to success.
This episode is proudly sponsored by Partners Life.
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The 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.
We explore the unpredictable nature of the stock market, discussing the 2018 study where randomly selected stocks outperformed top fund managers, revealing the inherent randomness in stock picking.
This episode is proudly sponsored by Partners Life.
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The 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.
Join us as we tackle the misconceptions about credit cards, highlighting how they can lead to bad financial habits and crippling debt.
This episode is proudly sponsored by Partners Life.
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The 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.
Join us as we talk with Kate Dron, Chief Actuary at Partners Life, about the risks of canceling life insurance and why it's crucial to keep it for the protection of you and your loved ones.
This episode is proudly sponsored by Partners Life.
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The 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.
We explore if now is the perfect time to buy a house. With house prices low and interest rates expected to drop, we discuss why this could be a great opportunity for both first-time buyers and investors.
This episode is proudly sponsored by Partners Life.
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The 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.
We explore the trend of big investors buying homes in the U.S. and its potential impact on New Zealand. With predictions of U.S. investors owning 60% of homes by 2030, we discuss what might happen if this trend hits New Zealand's housing market.
This episode is proudly sponsored by Partners Life.
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The 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.
We break down KiwiSaver, covering its benefits, risks, and the importance of making an active choice.
This episode is proudly sponsored by Partners Life.
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The 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.
We say goodbye to the First Home Grant and discuss the financial implications for first home buyers. We also explore and outline alternative strategies for getting on the property ladder.
This episode is proudly sponsored by Partners Life.
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The 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.
The incredible journey of a single mother who managed to buy her own home while living on an annual income of $46,000.
This episode is proudly sponsored by Partners Life.
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The 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.
Sonya Williams, Co-Founder of Sharesies, breaks down the essentials of getting started with shares, making the process approachable and understandable for beginners.
This episode is proudly sponsored by Partners Life.
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The 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.
We sat down with Sonya Williams, Co-Founder of Sharesies, to take a look into the process of building one of New Zealand's most successful start-ups and explore the company's vision for the future.
This episode is proudly sponsored by Partners Life.
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James and Mike discuss whether petrol or electric cars are more cost-effective, exploring whether electric cars can truly save you money.
This episode is proudly sponsored by Partners Life.
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In this week's episode of Cheques & Balances: The Takeover, Jess and Makayla explore the basics of budgeting, covering everything from income management to discretionary spending. With practical insights and strategies, they aim to empower individuals to create and adhere to effective budgets.
This episode is proudly sponsored by Partners Life.
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With statistics showing a concerning trend of Kiwis struggling post-retirement, Mike and James discuss how to help your parents if they are behind financially.
This episode is proudly sponsored by Partners Life.
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Mike and James provide a quarterly market update, covering key areas such as share market performance, global GDP trends, and economic outlooks.
This episode is proudly sponsored by Partners Life.
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Join Mike and James as they explore the results of the biggest survey ever done on millionaires, uncovering the habits that make and keep them rich while also debunking common myths.
This episode is proudly sponsored by Partners Life.
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Join us on this Midweek Episode as we discuss how to increase your property's cash flow with Lighthouse's Managing Director, Property Investor and Developer, Matthew Harris. Learn practical tips to navigate challenges and optimise your investment returns.
This episode is proudly sponsored by Partners Life.
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We've covered the 5 Signs You're Poor and the 5 Signs You're Rich. Now, let's explore the 5 Signs You're Stuck In The Middle Class.
This episode is proudly sponsored by Partners Life.
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Join Mike and James as they sit down with Amy Stevens, Founder of the first home buyers platform, Slice, to embark on their journey to (hypothetically) purchase a home together.
This episode is proudly sponsored by Partners Life.
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In this week's Midweek Episode, we take stock as 30% of 2024 is already gone – are you on track with your goals? Tune in to learn how to make the most of the remaining 70% of the year and take actionable steps towards achieving your goals.
This episode is proudly sponsored by Partners Life.
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We're joined by Makayla from Lighthouse's Mortgage team to share expert advice on applying for mortgages and avoiding common mistakes.
This episode is proudly sponsored by Partners Life.
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Find out why platforms like Uber and AirBNB are about to get a whole lot more expensive as Matt Harris joins us to talk on the reinstatement of the "App Tax".
This episode is proudly sponsored by Partners Life.
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In this week's Midweek Episode, we're back with Lighthouse’s Managing Director, Property Investor, and Developer, Matt Harris to break down the two tax changes that are going to change the property market.
This episode is proudly sponsored by Partners Life.
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Join us as we chat with Jess Hargreaves from Lighthouse to uncover the secrets behind how her and her partner managed to purchase a house in just four weeks!
This episode is proudly sponsored by Partners Life.
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We welcome back Stephanie Pow, Founder of Crayon, to discuss the financial challenges faced by mothers due to the 'motherhood penalty', including the potential loss of up to $300,000 in retirement savings.
This episode is proudly sponsored by Partners Life.
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Property Coach, Ilse Wolfe, joins us to discuss the hot new housing trend that property investors NEED to know about.
This episode is proudly sponsored by Partners Life.
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Find out why inheritances can cause family problems and hurt your kids. We explore the challenges of passing down wealth and give you simple tips to handle it.
This episode is proudly sponsored by Partners Life.
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Is living in a top school zone really worth $500K? Join us as we chat with Buyer's Agent, Alex Martelli, to unpack whether proximity to schools impacts property values.
Insights provided by Valocity
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Join us for another episode of Am I The A**hole where we delve into Reddit's community dilemmas. This week, we tackle the ethics of declining destination wedding invites due to financial constraints, plus more.
This episode is proudly sponsored by Partners Life.
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Term Deposits, are they worth it? In this week's Midweek Episode, we weigh the pros and cons of term deposits against alternative investments.
This episode is proudly sponsored by Partners Life.
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Step into the future of property investment with Matt Harris as he unveils his predictions for the New Zealand property market in 2024.
This episode is proudly sponsored by Partners Life.
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Join us as we delve into real-life financial dilemmas sourced from The Mum Hub community page on Facebook, featuring Cat Emerson. From managing overwhelming credit card debt to navigating financial hardships, we explore practical solutions to help reshape your financial future.
This episode is proudly sponsored by Partners Life.
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From debunking the status game to underlining the significance of financial planning, this week's Midweek Episode offers invaluable insights to reshape your approach to wealth.
This episode is proudly sponsored by Partners Life.
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We sat down with Steve Jurkovich, CEO of Kiwibank, to delve into the multifaceted world of leadership. From navigating public scrutiny to embracing failures, Steve shares valuable insights from his extensive experience.
This episode is proudly sponsored by Partners Life.
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In this week's Midweek Episode, we dissect a listener's KiwiSaver concerns, unveiling the roadmap to retiring a millionaire.
This episode is proudly sponsored by Partners Life.
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Get ready for another wild Reddit adventure! This time, we're diving into a husband's jaw-dropping $300,000 crypto loss and the age-old debate over prenups.
This episode is proudly sponsored by Partners Life.
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In a game of true or false with Stephanie Pow, Founder of Crayon, we uncover the startling truths about parental leave policies and their wide-reaching effects on families nationwide.
This episode is proudly sponsored by Partners Life.
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In this week's Midweek Episode, we tackle the question: Is renting a waste of money? We break down the costs and societal pressures involved, giving you practical tips and real-life stories to make your decision easier.
This episode is proudly sponsored by Partners Life.
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In this week's Midweek Episode, we went down the deep dark hole that is Reddit's r/personalfinancenz forum, providing insights and advice drawn from our own experiences.
This episode is proudly sponsored by Partners Life.
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From humble beginnings to overcoming complex challenges, Naomi's story offers profound insights into the spirit of entrepreneurship, resulting in the achievement of selling Partners Life for $1 billion.
This episode is proudly sponsored by Partners Life
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Degrees vs. Dollars – Is University Worth It? In this week's Midweek Episode, we delve into the age-old question, is a degree necessary for success?
This episode is proudly sponsored by Partners Life
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Curious about our own spending choices? From summer splurges to home investments, get an inside look into how we manage our money.
This episode is proudly sponsored by Partners Life
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Join us as we explore "What Would Jarrod Do?" with Jarrod Kerr, Chief Economist at Kiwibank. We tap into his insights on economic matters, from personal finance dilemmas to global economic trends.
This episode is proudly sponsored by Partners Life
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From living paycheck to paycheck to setting financial goals, Mike and James discuss practical tips and real talk about securing your financial future!
This episode is proudly sponsored by Partners Life
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We're stepping into the wild world of 'Am I the A**hole?' once again as we unravel tales of open relationships and financial dilemmas from the depths of Reddit.
This episode is proudly sponsored by Partners Life
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We sat down with KiwiBank's Chief Economist, Jarrod Kerr, as he offers crucial insights into economic challenges and strategies for resilience.
Check out the full episode here.
This episode is proudly sponsored by Partners Life
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From daycare dilemmas to unexpected vet bills, we dive into the financial reality of parenting pups and raising kids.
From navigating building standards to insider tips, Mike and James dive into the world of CCC's.
From financial strains to workforce barriers, we sat down with Stephanie Pow from Crayon to unpack the real-life challenges families face surrounding childcare costs in New Zealand.
Check out the full episode here
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Ready to roll the dice on lottery odds? Mike and James uncover the harsh truths and myths behind winning big.
Love, finance, and Moncler jackets. James and Mike sit down to unravel the tangled web of dating and financial woes straight from the depths of Reddit!
Ever wondered how much the bank truly makes off you? We dive deep into the numbers and uncover the hidden truth behind your home loan journey!
Check out the full episode here
This episode is proudly sponsored by Partners Life
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Soft serve or soft savings? James and Mike discuss the emerging trend of Gen Z prioritising the joys of life over concerns about retirement.
We evaluate our 2023 predictions and spice things up with a forecast for the financial landscape of 2024, sprinkled with some juicy insights into upcoming trends.
Check out the full episode here
This episode is proudly sponsored by Partners Life
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This week, James and Mike sit down to explore the intricacies of the latest proposed debt-to-income ratios.
We explore the unexpected market events of 2023 and the factors behind the remarkable 'Everything' Rally.Check out the full episode hereFor more money tips follow us on: FacebookInstagramLinkedInYouTubeApple Podcast
Inspired by James Clear's groundbreaking book "Atomic Habits", we explore the transformative power of creating systems rather than merely setting goals and delve into the art of building habits that last.
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We're joined by Matthew Horncastle to talk through his top business tips for any entrenpenuer in 2024
To kick off the 2024 year, we're joined by Matthew Horncastle, Managing Director At Williams Corporation.Matthew Horncastle has come from a strong property family where everybody was in real estate, including his father Bill Horncastle. Bill owned one of the largest housing companies in New Zealand. Matthew manages, on a daily basis, land acquisition, development design, resource consents, development sales, marketing and finance. Matthew is a qualified builder and has been in the construction industry for over 9 years. Matthew is extremely high energy and passionate about Williams Corporation’s purpose to build Auckland, Wellington and Christchurch into the most liveable cities.
.... for the year. James and Mike wrap up 2023 and give their thoughts on what to expect in 2024
Over the past five years, the housing market in New Zealand has experienced significant growth. However, this growth hasn't been uniform across the country, and savvy investors are looking beyond the major cities to find the best opportunities for the next five years.Check out the full episode hereA huge thank you to Valocity for the insightsFor more money tips follow us on: FacebookInstagramLinkedInSpotifyApple Podcast
This week we dive deep with Greg Munt about how to set your kids up for success early on in life.
We explore the various factors contributing to the current cash flow dilemma for property investors and discuss when the market might tilt in their favour.Check out the full episode hereFor more money tips follow us on: FacebookInstagramLinkedInSpotifyApple Podcast
This week we catch up with business owner and entrepreneur Greg Munt to talk about how one book changed his life and his journey.
If you'd like to learn more about Own With Wiliiams, check out the link here
Outside of a house, a car is usually one of the biggest financial purchases most people make, multiple times during their lives. This episode provides practical advice and strategies that can help listeners make smarter decisions about car ownership, ultimately contributing to their overall financial well-being and long-term financial success.
In this episode, we explore the financial and lifestyle considerations of bach ownership, unraveling the truth behind this cherished Kiwi dream.
Check out the full episode here
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This week James and Mike cancel themselves by ranking their best and worst clients by profession.
Are you (or know someone who is) losing sleep at night over 7% interest rates? This episodes for you. We go through the 4 steps to tackle high interest rates.
Check out the full episode here
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Dividing property during a separation or divorce can be a challenging and emotionally charged process. We talked to Amanda Donovan, Director at Haigh Lyon Lawyers, who shares her top five tips for navigating the division of property in a divorce.
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Were joined by Ben Brinkerhoff to delve into the critical topic of retirement savings. Consilium recently published the newly released Retirement Expenditure Guidelines, shedding light on the increasing disparity between New Zealand Superannuation (NZ Super) and the actual cost of living in retirement.
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This week we have Ben Brinkerhoff, Head of Advice at Consilium here to talk about how you can improve your chances of success in investing. We'll break down ten straightforward principles that can help you become a better investor.
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This week we have a chat with Ash Solly, a financial adviser at Lighthouse Financial to chat about transitioning careers.
This week we're joined by Ben Brinkerhoff from Consilium to talk about "the science of spending".
Check out the full article hereFor more money tips follow us on: FacebookInstagramLinkedInSpotifyApple Podcast
Learn about all the essential parts of protecting your wealth through the right insurance.
This week we're joined by Emma Duncan from Anne Duncan Real Estate to talk about her top negotiating tips on property. Check out the full article hereFor more money tips follow us on: FacebookInstagramLinkedInSpotifyApple Podcast
This week James and Mike react to financial advice provided by ChatGPT. We ask a range of questions from investment advice to prenups and review the answers.
Check out the full article here
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Our business accounting specialists will go through everything you need to know to financially succeed as your own boss, including long-term planning, insurance, exit strategies and managing irregular incomes.
- What is a contractor
- Withholding tax, income tax and GST
- What you can and can't claim
- Common mistakes we see
- ACC and Insurance
- Wealth creation as a business owner
We got over 30 years of data from Valocity to see if and how house prices change under a National or Labour government.
A huge thank you to our partner Valocity for the amazing insights:
https://www.valocityglobal.com/en
Check out the full article here:
https://lighthousefinancial.co.nz/election-special-what-happens-to-house-prices-under-a-national-or-labour-government/
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Apple Podcast - https://cutt.ly/CBApplePodcast
James sits down with Luke from Keep The Change to discuss your questions from August's webinar - The 10 Commandments Of Building Wealth.
In New Zealand, most houses are sold by one real estate agent who works for the seller. Even though this agent has to be fair to everyone, they mainly look out for the seller's interests. That's where a buyer's agent comes in. We're joined by Alex Vincent Martelli who is a buyer's agent from Martelli & Co
Check out her website below:
https://www.martellibuyers.co.nz/
Check out the full article here:
https://lighthousefinancial.co.nz/should-you-use-a-buyers-agent/
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Join Luke Kemeys from Keep The Change and James Blair from Lighthouse Financial for an interactive webinar where they go through the fundamental wealth principles you need to know to successfully start on your wealth creation journey.
This webinar is all about the psychological concepts you need to understand to become financially bulletproof.
The 10 commandments:
- Understand your motivation for wealth creation
- Plans are nothing, planning is everything.
- Never spend more than what you earn
- Make your money work harder than you
- Know how you can benefit from the power of compounding
- Know how to implement leverage
- Give your investments sufficient time to grow
- Do not compare your wealth goals to that of peers
- Give more value than you take
- Treat your wealth like a business (because It Is)
The thoughts and opinions shared in this podcast, including those from our guest David Seymour, may not match the views of our podcast, its hosts, or Lighthouse Financial. This episode is meant for information and education. We aim to encourage open discussions from various viewpoints, but we don’t endorse any political party or opinion.
Check out the full article here: https://lighthousefinancial.co.nz/interview-with-david-seymour/
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnzInstagram - https://www.instagram.com/lighthousefinancialnzLinkedIn - https://www.linkedin.com/company/lighthousefinancialnzSpotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we're joined by Ilse Wolfe, property investor and coach to talk about how women can create independence by investing in property.
Interested in Jess's case study? Check out the webinar below:
https://www.opespartners.co.nz/shows/property-live-how-to-get-the-bank-to-say-yes-two-case-studies-on-increasing-serviceability
Get your tickets to our event below:
https://women-and-property.eventbrite.com
For most people, a will is often their main asset planning tool which means it is important to ensure it is robust, clearly written and technically correct. We're joined by Shaun McGivern to talk about why you NEED in a will.
Check out Haigh Lyon Lawyers below: https://haighlyon.co.nz/
Check out the full article here: https://lighthousefinancial.co.nz/why-you-need-a-prenup/For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnzInstagram - https://www.instagram.com/lighthousefinancialnzLinkedIn - https://www.linkedin.com/company/lighthousefinancialnzSpotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off debt and everything in between, make sure to tune into our daily podcasts this month!
Ilse Wolfe joins us on Cheques and Balances to chat about how to find cashflow in property investments.
This week we have Shaun McGivern from Haigh Lyon Lawyers to talk about how to do due diligence on a new build contract.
This week we're joined by Amanda Donovan from Haigh Lyon Lawyers to talk about contracting out agreements.
Check out the full article here:
https://lighthousefinancial.co.nz/why-you-need-a-prenup/
For more money tips follow us on:
Facebook - https://www.facebook.com/lighthousefinancialnz
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Exciting news! We have partnered with Valocity - NZ's leading property valuation and data platform. They will be providing us with market leading property and economic insights on all of our podcast topics!
Last year we made a prediction that rents would rise by 30% over the following 12 months due to increased property costs, we look into why that hasn't happened and do a deep dive into the data thanks to Valocity.
Check out more about Valocity here: https://www.valocityglobal.com/en
Check out the full article here: https://lighthousefinancial.co.nz/why-arent-rents-keeping-up-with-costs/
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we're joined by Ilse Wolfe, Director at Opes Accelerate. Ilse has over 15+ years personal property investment experience, owning a private portfolio with 25+ rentals valued at $20m+. She helps property investors improve their investments through renovations. Her time is focused to help aspiring investors begin on a similar path to wealth and passive income throughout NZ.
Check out the full article here: https://lighthousefinancial.co.nz/ilse-wolfe/
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we go through our first webinar with Luke Kemeys from Keep The Change. Join our next webinar on the 10 Commandments Of Building Wealth below:
https://lighthousefinancial.co.nz/the-10-commandments-of-building-wealth/
This week we're joined by Amanda Quill to go through how to prepare your first year of tax returns for your rental property.
Check out the full article here:
lighthousefinancial.co.nz/how-to-prepare-your-first-property-tax-returns
For more money tips follow us on:
Facebook - https://www.facebook.com/lighthousefinancialnz
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Apple Podcast - https://cutt.ly/CBApplePodcast
This week were joined by Juliet Lichtenstein, Associate Director of Residential Projects at Colliers to talk about why you should consider a new build.
This week we're joined by Amanda Quill to go through the pros and cons of using Hnry vs. using an accountant
Check out the full article here: https://lighthousefinancial.co.nz/hnry-vs-accountants
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we're joined by David Burley, Auckland Director of Investment Sales at Colliers to talk about all things commercial property.
This week we're joined by Amanda Quill, Manager here at Lighthouse (and soon to be married) for her top tips on how to budget for your wedding.
Check out the full article here: https://lighthousefinancial.co.nz/how-to-budget-for-a-wedding
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we're joined by Catherine Emerson from Kernel Wealth and Shaun McGivern from Haigh Lyon Lawyers for an audio version of our recent "How to invest for your family" event.
The age old question - What provides better results, property or shares? We go through a case study, comparing a hypothetical ten-year investment in the share market against the property market in New Zealand.
Check out the full article here: https://lighthousefinancial.co.nz/property-vs-shares
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we delve into developer funds and whether you should invest in them
For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
Around one in five Kiwis has been targeted by an investment scam. Here's all the common financial scams you need to avoid.
Check out the full article here: https://lighthousefinancial.co.nz/financial-scams-you-need-to-avoid/For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we're joined by Matthew Harris to talk about how to be an "ethical" property investor.
Understanding the habits that contribute to financial success is paramount in today's economic climate. These habits are not exclusive to wealthy individuals but can be adopted by anyone to improve their financial well-being.Check out the full article here: https://lighthousefinancial.co.nz/habits-of-wealthy-people/For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz Instagram - https://www.instagram.com/lighthousefinancialnz LinkedIn - https://www.linkedin.com/company/lighthousefinancialnz Spotify - https://cutt.ly/CBSpotify Apple Podcast - https://cutt.ly/CBApplePodcast
This week we have Matthew Harris on to talk about the implications of the new trust tax rules.
For more money tips follow us on:
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We go through the top habits that lead to a poor mindset.Check out the full article here: https://lighthousefinancial.co.nz/habits-of-poor-peopleFor more money tips follow us on:
Facebook - https://www.facebook.com/lighthousefinancialnz
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This week we discuss if NZ should have a wealth tax.
For more money tips follow us on:
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We’ve supported over 4,000 NZ families and individuals in navigating their finances. Over time, we’ve noticed several common mistakes our clients make. Here are the top five, along with some insights on how to avoid themCheck out the full article here: https://lighthousefinancial.co.nz/the-top-five-mistakes-clients-make/For more money tips follow us on:
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This week we're joined by Catherine Emerson to chat about Sharesies' New KiwiSaver Scheme and the pros and cons of self managed retirement funds.
Inflation peaking, the official cash rate, easing LVR rules and increased market activity are just some of the reasons May could be the bottom of the housing market in NZ.
Check out the full article here: https://lighthousefinancial.co.nz/were-at-the-bottom-baby/For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnzInstagram - https://www.instagram.com/lighthousefinancialnzLinkedIn - https://www.linkedin.com/company/lighthousefinancialnzSpotify - https://cutt.ly/CBSpotifyApple Podcast - https://cutt.ly/CBApplePodcast
James Blair and Luke Kemeys go through all the steps you need to build your financial plan and become financially bulletproof in 2023. A financial plan is your blueprint for your dream lifestyle, in this session, James will go through the entire financial plan process including:
Goal setting
Cashflow management
Identifying investment opportunities
Asset allocation based on your goals
Financial projection software
Retirement planning
Common mistakes we see
Luke and James will then go through their top tips for becoming financially bulletproof in 2023. Questions are available throughout the webinar.
As people look for ways to enjoy their lives outside the confines of a traditional 9-to-5 job, people have been joining the F.I.R.E movement, but what is it exactly?Check out the full article here: https://lighthousefinancial.co.nz/is-the-f-i-r-e-movement-a-scam/For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnzInstagram - https://www.instagram.com/lighthousefinancialnzLinkedIn - https://www.linkedin.com/company/lighthousefinancialnzSpotify - https://cutt.ly/CBSpotifyApple Podcast - https://cutt.ly/CBApplePodcast
The third-generation curse is a phenomenon that affects 90% of families causing them to lose all of their wealth by the third generation. Register for our How To Invest For Your Family Event here: https://www.eventbrite.co.nz/e/how-to-invest-for-your-family-tickets-617523077147?aff=LighthouseCheck out the full article here: https://lighthousefinancial.co.nz/how-to-beat-the-third-generation-curse/For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnzInstagram - https://www.instagram.com/lighthousefinancialnzLinkedIn - https://www.linkedin.com/company/lighthousefinancialnzSpotify - https://cutt.ly/CBSpotifyApple Podcast - https://cutt.ly/CBApplePodcast
This week Mike goes through the brand new changes all the major banks have implemented for property purchases.
This week we have Matthew Harris on again to talk about his biggest lessons in his property development journey.Check out the full article here: https://lighthousefinancial.co.nz/property-development-101-ft-matthew-harris/For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnzInstagram - https://www.instagram.com/lighthousefinancialnzLinkedIn - https://www.linkedin.com/company/lighthousefinancialnzSpotify - https://cutt.ly/CBSpotifyApple Podcast - https://cutt.ly/CBApplePodcast
This week we have our Managing Director on the podcast to chat about his story of how he went from 0 - 30 properties in just 10 years.
We take a look at the numbers and compare the value appreciation of houses, townhouses, and apartments in Auckland over the past two decades.Check out the full article hereFor more money tips follow us on: FacebookInstagramLinkedIn
This week we're joined by Catherine Emerson from Kernel Wealth to talk about how to budget for a baby.
Check out Kernel Wealth here
Check out the full article here
On this midweek episode, James and Mike react to a study that found Kiwis spend 13 hours of work time a month worrying about money. You can see the article here.
Money is a ubiquitous part of our daily lives, and yet we are often taught that it is impolite to talk about it. Learn all about the psychology of money in this episode.
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This week James is going solo with special guest Tim Edwards, Managing Director and Global Head of Index Investment Strategy at S&P Dow Jones Indices.
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Many older Kiwis are considering reverse mortgages as a means of accessing the equity in their homes and turning it into cash. However, the question remains: are reverse mortgages a sound retirement strategy?
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Join James and Mike for weekly money tips
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Property investment has become an obsession in New Zealand due to its ability to yield great returns over time. But is it the always the best solution?
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On this midweek episode, we react to Luke Kemey's viral video about the 5 signs that you're broke!
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Interest rates in New Zealand have been on the rise lately, and while this may be bad news for borrowers, it is great news for savers. With all banks now offering over 5% on a one-year term deposit, Heartland bank has even gone as high as 5.7%. As a result, many people are considering putting their money into term deposits to take advantage of these good rates. But is this a good idea for everyone?
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A bonus mid week episode on how cyclone Gabrielle will impact our economy and the latest OCR announcement in NZ.
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Has inflation peaked? Will the stock market boom this year? Who will win the NZ election?! James and Mike are joined by Luke Kemeys from Next Advisory and Keep The Change podcast to discuss their 2022 market predictions and make some predictions for 2023.
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This week we have a special episode from a recent webinar we did on how to make financial decisions in a world of inflation, rising interest rates and investment volatility.
Find out more about our business webinars below:
https://lighthousefinancial.co.nz/webinars
Purchasing your first home is an exciting time, it will be one of the largest financial commitments you will make in your life. It is a process that is full of twists and turns. This episode is the ultimate step by step guide to buying your first home.
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Here are some tips to help you manage your finances in a world of high interest rates and rising unemployment:
Find out more about our business webinars below:
https://lighthousefinancial.co.nz/webinars/
Check out the full article here:
https://lighthousefinancial.co.nz/how-to-tackle-2023/
What happens after the world falls apart and the stock market crashes?
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This week on Cheques and Balances, we’re joined by Jason Gherkin who shares his inspirational story about starting a business at 50.
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We recently had some clients purchase their first home come to James and ask about what their next steps should be. People dream of getting onto the property ladder, but what happens after that? This episode breaks down the general steps to grow your wealth once you’ve just bought your first home.
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We're starting to see more and more clients who are buying their first home a little later in life, but is it the right financial decision? We crunch the numbers
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We explore the trend sweeping the internet. This week we're getting our finances ready for summer, its financial fasting.
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You asked for it, so here it is! We're going to be looking at some more financial advice on TikTok and giving our thoughts. This episode is best enjoyed on YouTube, so click the video above to get the full experience.
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The final part of our II part series. We review the #1 Australian best selling book by author Scott Pape; The Barefoot Investor. Scott Pape believes this is the only money guide you’ll ever need, so we put it to the test.
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We review the #1 Australian best selling book by Author Scott Pape; The Barefoot Investor. Scott Pape believes this is the only money guide you’ll ever need, so we put it to the test.
Hosted on Acast. See acast.com/privacy for more information.
We often talk a lot about taking steps towards financial freedom as early as possible, but what if you've only got 10 or 15 years left before retirement? Is it too late? Well, this episode is for you.
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This week we've got a question from a listener, Dean asks: "What are the pros and cons of using your emergency fund to offset your home mortgage (in either an offset or revolving credit facility)?
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This week on Cheques and Balances, we answer a listener question, is it cheaper to live in Australia than NZ? We crunch the numbers!
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We've got a bonus episode this week with business broker at ABC Business Sales Peter Nola
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This week we're joined by Peter Nola, business broker at ABC with 5 of the most common myths business owners believe when selling their business.
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With the property ladder getting more out of reach for first home buyers, Kiwi's are forced to get creative with pulling together a deposit. The bank of Mum and Dad has become the 5th largest home loan lender in New Zealand, with an estimated $22.6 billion being loaned out to family members to help them get into a home.
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This week we do a case study on what a 'rich' and a 'wealthy' household looks like. You might think they are the same but they are worlds apart.
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This week we're joined by Dean Anderson, CEO of Kernel, for a quick chat about his experience in the market, what Kernel is and how it got started.
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We often hear from investors that they are worried about timing the market. What if they invest and the next crash or recession is imminent? The potential for loss is uncomfortable. You will always find someone who thinks the market is too hot or cold or risky right now and market prices are ultimately driven by investor sentiment. So we thought we would demonstrate how to perfectly time the markets
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There's a lot of myths floating around in the media about mortgages applications so we thought we'd take the time out today to bust some common myths!
Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.
On this week's episode we're joined by Dean Anderson from Kernel Wealth and we're going to be looking at some of the financial advice on TikTok and giving our thoughts. This episode is best enjoyed on YouTube, so search Cheques and Balances to get the full experience.
Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.
On this episode, we go through the latest CCCFA rollbacks and what they mean for you, including a case study on the changes.
Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.
On this podcast we talk a lot about market updates, strategies to help you get ahead and securing your financial future but today we thought we’d talk a bit about the mindset of a wealthy person. Why is this important? if you can grasp this concept, everything else will tend to fall in place. For many of our clients and people watching/listening to this, their main goal will be to generate wealth, and how do you find out how to build wealth? Well you study what wealthy people do.
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On this week's episode, we're joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk through 5 common myths around insurance.
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This week we’re joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk about health insurance and why you need it.
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With the 5% First Home Loan Deposit, effective 1st June 2022, you can now purchase a property for any price and only need a 5% deposit. We're joined by Laura Sheehan, our mortgage expert, to go through the requirements to get one and what you can get for your money.
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Since interest deductibility is being phased out, most Kiwi investors have paid little attention to how this will affect them and haven't considered how much of an impact this is going to have on their cashflow. Now, a year later, people are starting to feel the bite, so it's a good time to bring up a case study on the changes.
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On this episode, we go through our 2021 predictions to see if we were right and give our 2022 predictions for the year.
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Mike and James answer the question on whether you are behind on your retirement savings. On this episode, we deep dive into how much different retirement lifestyles cost, what the average KiwiSaver balance is and how much you should have saved in your 20's, 30's, 40's and 50's for a comfortable retirement.
See the full article here:
https://lighthousefinancial.co.nz/are-you-behind-on-retirement
Interest rates, inflation and interest limitation changes mean that owning a rental property has become significantly more expensive. On this episode, James and Mike go through 5 cashflow hacks you might not have thought of to squeeze some extra cash out of your property.
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In this episode, Mike and James look into why one of NZ's largest KiwiSaver conservative funds reported bigger losses than most growth funds. A deep dive into Simplicity and what you should be looking out for in a KiwiSaver provider.
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On this episode, James and Mike explain exactly what a recession is, what happens when recessions occur and why they might be a good thing.
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Interest rates have moved from record lows of 1.95% to 5.25% in the space of 12 months. This is an average repayment increase of $30,000 per year! James and Mike give some insight into current market sentiment, the economics behind rising interest rates and what you should do!
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The recent Government's Budget 2022 announcement has made it easier for Kiwis to get into their first home! See how these changes could affect you.
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On this weeks episode of Cheques & Balances Mike and James discuss all of the recent media doom and gloom regarding increasing interest rates, inflation and even a recession. Learn what you should be doing when you read clickbait articles online.
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It is becoming more difficult to get a mortgage from a bank. With inflation, rising interest rates, banks increasing their test rates, record house prices, you need all the help you can get.
On this week's episode of Cheques & Balances, Mortgage Broker, Mike Vincent answers some very important questions regarding getting a mortgage in New Zealand. Did you know your afterpay can impact your ability to get a mortgage? That credit card limit you haven't even used can impact your ability to get a mortgage! Do credit scores affect your ability to get a mortgage?
James Blair and Mike Vincent are Directs at Lighthouse Financial in New Zealand and have been in financial services for over 20 years combined.
With the market volatility at the moment, what should you do with your investments? Well, that depends on what your goals are. Find out more about why the markets are down, is now a good time to purchase shares, and whether it's time to get add a financial adviser to your life.
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Who are the winners and losers when it comes to the streaming giants Netflix and Disney? For the first time since its inception, Netflix lost subscribers. Doesn't help that there are 100 million shared passwords for accounts but where there is a market, there's a way.
Also, love him or hate him, Elon Musk has bought Twitter for a premium. Although he claims it was to maintain a platform with free speech, Mike shares some valid points about the purchase and who it really benefits. Listen to James and Mike discuss the Poison Pill strategy which sounds like something out of Romeo & Juliet, Mike tells us how he really feels about Elon and Pirate Bay, and James asks Mike out to the movies.
Global supply chains have been affected due to Covid and the war between Ukraine and Russia. People are demanding more and the supply isn't able to keep up which is pushing up prices. The cost of goods is going up and then there is inflation.
To fix or not to fix? That is the question. Many people are concerned about what they should do with their mortgages. If interest rates go above 5%, this could impact the serviceability for around 20% of people. We strongly recommend you speak to your bank or your mortgage broker so you can get professional advice on your situation. Everyone is different so beware of opinions in clickbait articles.
Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. There are over 13,000 different crypto coins so how do you know which one to take a punt on? What are stable coins? Find out how James does his due diligence and the concept of "too big to fail". Keep up with the play and find out more with our latest episode.
Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively.
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Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. Which coins will be the winners and losers? Nations are adopting it and Ukraine legalised it. In El Salvador there is no tax on crypto and NZ hasn't established laws for it just yet. Tonga is looking at it currently as legal tender. Keep up with the play and find out more with our latest episode.
Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively.
See acast.com/privacy for privacy and opt-out information.
Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. This is the second episode of four which breaks down crypto language, where it started, Ethereum, Metcalfe's law, and bitcoin mining to name a few. Find out more with our latest episode.
Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively.
See acast.com/privacy for privacy and opt-out information.
Join James and Mike in this week's episode of Cheques & Balances as they discuss crypto. They are joined by James Cochrane a crypto law expert and Partner at Stace Hammond. This is the first episode of four which breaks down crypto language, where it started, how blockchain works, the different types of wallets or coins, and the risk. Find out more with our latest episode.
Disclaimer: This podcast is not intended as legal advice and it should not be considered or relied on by any audience as such. Like most aspects of law, each crypto legal issue must be considered by reference to its own facts. James Cochrane and Stace Hammond do not profess to be experts in any other field discussed e.g. economics, financial advice, accounting. The podcast should not be treated as professional advice of any kind (e.g. legal, accounting, tax, or financial advice). It is for educational purposes only. Please note that the material mentioned is for illustrative purposes only. Its inclusion is intended to make the podcast accessible for all viewers / listeners. We also reserve the right to correct any errors in the podcast that we discover. The views are James Cochrane’s own and do not necessarily reflect the views of the Stace Hammond partnership collectively.
See acast.com/privacy for privacy and opt-out information.
Join James and Mike in this week's episode of Cheques & Balances as they discuss The Secret Problem. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. Have you ever thought about flying business class and couldn't bring yourself to pay for it? You thought it was wasteful or had some other reason you couldn't part with the money. There is a problem many people face and it's not usually spoken of, it's not running out of money by the way. Find out more with our latest episode.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they discuss the science of regret. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. There are things you should've done and there are things you could've done. Many of us go through life wondering what if? Find out which regret is the most common amongst people and how you can give your money purpose so that you hopefully live your best life.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they discuss goal based planning. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. Did you know that your spending decreases by 1% each year between your late 40's to mid 80's? If you want to make sure you are spending your wealth when you're healthy and still have funds in your later years in life, this episode is for you.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they discuss why you can't put a number on happiness. They are joined by Ben Brinkerhoff who is Head of Advice at Consilium, a business specialising in investment solutions. Do you know what the magic number is that would allow you to stop working? If you needed freedom from work, what would it give you the freedom to do? Listen to how people reach that goal and then realise, they're still unhappy.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they discuss the reasons behind why it's so hard to get a mortgage. What is the CCCFA? The changes being made to this act have ultimately stopped many first home buyers from getting on the property ladder and many others from securing finance. But is it the be-all and end-all? Having a mortgage adviser on your side can help your chances as they are able to present your information to the bank in a way that you can't. Want to know how? Listen to this episode.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
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Join James and Mike in this week's episode of Cheques & Balances as they discuss the reasons behind why the markets are dropping. Do you buy or sell your shares? If you're a first home buyer which KiwiSaver fund should you be in? Your questions are answered here with the team from Lighthouse.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. In this weeks episode, they discuss the important things to consider before buying into a company, the pros and cons and the different ways of buying into a business.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. In this week's episode, the team discuss, What to do if you're priced out of the property market and alternative options for investing.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. In this weeks episode, they discuss the recent changes to the Resource Management (RMA), what will be the flow-on impact to property prices, what areas of New Zealand will be impacted and can you expect a large development next door at your place??
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss when you need to pay GST on a property, AirBnB and GST, common mistakes clients make on property transactions, GST on new builds, GST on lifestyle blocks, affordable housing for Kiwis, subdividing properties and much more.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss, should you have a financial plan and the benefits of implementing a financial plan for your future.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss the deposit needed for your first home and low deposit lending for new builds.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss, the top five mistakes people make moving into retirement and easy steps to maximise your situation.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss, are you in good shape for retirement and important tips for preparing your retirement.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss, what is the future of KiwiSaver and Why is KiwiSaver so important for retirement.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined by the Head of Sales and Marketing of Mint Asset Management, David Boyle as they discuss Should you DIY invest or use an advisor? The pros and cons of using an investment platform.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss What are the responsible lending Code Changes, What is the purpose of the changes, and when they will come into effect.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss how much do you need in retirement, can you rely on New Zealand Superannuation in retirement, and examples of how much you need to save for varying incomes.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by property guru and Managing Director of Lighthouse Financial services Matt Harris as they discuss, the new government shared ownership scheme and how it will help first home buyers into the property market.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss should you invest in gold, the pros and cons of investing in precious metals, and gold returns vs the S&P 500.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the recent Pokeno lottery Jackpot last week which begs the question, what would you do if you won $42 million and how to invest lottery winnings.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss what does 4.9% inflation mean for you and the consequences of historically high inflation on the economy.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances as they are joined once again by property guru and Managing Director of Lighthouse Financial services, Matt Harris. This week they discuss the new property tax changes explained, winners and losers of the recent investment property changes, Loop Holes explained, and what constitutes a new build investment.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the five D's of DIY investing, world investor week, and tips of a 'do it yourself' investment strategy.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss a common question asked by our clients, should you invest while paying down your mortgage?
How do you find the right balance between paying down your mortgage aggressively and investing enough for retirement? Should I pay down my mortgage aggressively and maximize the sprint. These are all very common questions we get asked by our clients.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss should you purchase a property with a friend or family member and how to structure a property venture.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss what is a Financial Advisor, how they can help you in regards to your financial situation, and the most common questions and misconceptions of a financial advisor.
The content in this podcast is the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss the current situation regarding the Chinese property developer, Evergrande. In this week's episode, we break down the Evergrande Crisis by explaining who Evergrande are, what has gone wrong, what could happen if they go bankrupt and if we think they will.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss what is a mortgage broker, how they can help you when looking to purchase property, and the pros and cons of working with a mortgage broker.
The content in this podcast is the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss the sprint, how to maximize your financial position after paying off your mortgage, and achieving financial freedom.
The content in this podcast is the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike on this weeks episode of Cheques & Balances, where they are joined by Business Accountant Andrew Higgs.
It has been incredibly difficult for business owners over the last two years. As Lockdown restrictions continue and there is the possibility of future lockdowns, it is important business owners are doing everything they can to protect their business. Quite a few business owners will be feeling isolated with a lot of pressure on their shoulders. We have dedicated this weeks episode of Cheques & Balances to all business owners. Andrew provides some easy to follow tips for all business owners. If you aren't a business owner, you can still action quite a few of the tips.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast Cheques & Balances. In part two of this week's episode, we're joined once again by CEO & founder of PocektSmith Jason Leong as we discuss the future of finance, what open banking is and when it may arrive in NZ and what will the roles of banks be in the future?
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast Cheques & Balances. In this week's episode, we're joined by CEO & Founder of PocektSmith Jason Leong as we discuss the creation of Pocketsmith, how it can be used as a tool to help you achieve your financial goals, different ways to budget, and AfterPay.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent discuss their top 5 tips for lockdown. In this week's episode, we share our tips on how you can make the most out of lockdown from a financial perspective.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this weeks episode, James and Mike share their predictions over the next 12 to 24 months. Cryptocurrency is set to fall to the floor, the housing market boom will continue as the world returns to normality from Covid-19 and sharp interest rate rises.
The content in this podcast is the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this week's episode, we discuss our beginner's guide to insurance, why it is important you should insure yourself given your financial situation, and the implications of being either over or underinsured.
Why do I need insurance? Doesn't ACC provide me with compensation if I'm off work? These are some of the most common questions we get asked as insurance advisors and are all relevant questions you should be asking yourself given your financial situation.
The content in this podcast is the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this week's episode of Cheques & Balances where they provide a beginner's guide to investment property. They are joined once again by property guru and Managing Director of Lighthouse Financial services Matt Harris as they discuss Matt's wealth creation journey, the different ways you can grow your wealth through property, common client questions, and the best way to get on the property ladder.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast 'Cheques & Balances'. In this week's episode, we discuss our top 5 tips to help you plan for retirement.
Do you have a plan for retirement? Are you prepared to take advantage of 'the sprint' once you become debt-free on your owner-occupied? These are all relevant questions you should be asking yourself as you head into retirement.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent are joined by special guest Hayley Robertson financial advisor at Lighthouse Wealth. They discuss the current gap between men's and women's superannuation and why on average women have 12% less in their KiwiSaver for retirement.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast 'Cheques & Balances'. In this week's episode, we answer the burning question, Are interest rates on the rise? And different ways you can structure your mortgage.
Interest rates have been historically low over the past 18 months. With inflation around the corner and the reserve bank signalling a rise in the OCR, it's not a matter of if rates will rise, but when. This week, we explore ways of structuring your mortgage to help alleviate the pressure of rising rates.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this week's episode of Cheques & Balances, James Blair and Michael Vincent are joined by special guest Hayley Robertson financial advisor at Lighthouse Wealth. They tackle their top 5 tips to become financially literate, top 5 money tips, and the importance of having a good level of financial literacy.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this weeks episode of Cheques & Balances James Blair and Michael Vincent explain the phenomenon of lifestyle creep, how and why it can impact your future selves, how do I manage a pay rise and the best ways to mitigate lifestyle creep
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this weeks episode of Cheques & Balances special guest Matthew Harris, joins James Blair and Michael Vincent as they discuss the recent housing policy changes, the proposed debt to income ratios, and interest deductibility.
Do you know what constitutes a new build under the recently proposed housing policy changes? What does the proposed debt to income ratios mean for property investors? Avid property investor, tax expert, and Lighthouse Fnancial Services Managing Director Matthew Harris talks us through some of these hot topics.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this weeks episode of Cheques & Balances James Blair and Michael Vincent how to set up a budget, budgeting tips, How to automate your budget and How do I budget for a house?
If you want to achieve financial freedom one of the most important steps is managing your budget. If you can manage your budget effectively you can pay down debt and invest which will lead you to financial freedom significantly faster.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances. In this weeks episode, we're joined once again by special guest Shaun McGivern, Partner at law firm Haigh Lyon. Shaun shares his 20 years of legal experience with us on this weeks episode.
A will is one of those areas where you know it's important but never get around to it. Shaun helps us answer questions we get asked every day like Do you need a will? What can happen if you don't have a will? How much does a will cost?
James Blair and Michael Vincent are hosts of Cheques & Balances and Financial Advisers who have 20 years of experience combined.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in this week's special episode of Cheques & Balances, 15 for 15 with Shuan McGivern.
15 for 15 is a new series where James and Mike interview Kiwis about their journey - career, wealth creation, successes, failures and advice for others.
Shaun has spent 20 years as a Lawyer. Shaun shares his story to work all the way to the partner of a law Haigh Lyon. He also shares with wealth creation journey via property and tips for young lawyers.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. If you would like to receive financial advice please email us at info@lighthousefinancial.co.nz
Join James Blair and Michael Vincent of Lighthouse Financial Services in their weekly podcast 'Cheques & Balances'. In this weeks episode, we're joined by special guest Shaun McGivern as we talk answer how can a lawyer help you when purchasing a property? What should I expect from my lawyer?
Shaun is a Partner at Haigh Lyon and has been a lawyer for over 20 years. He specialises in property law so knows this area inside out.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast, Cheques & Balances. In this weeks episode, we discuss the governments recent changes to the default KiwiSaver scheme. We also answer, which KiwiSaver is right for you? What is a default provider? How much could my Kiwisaver be by retirement?
James Blair and Michael Vincent are Financial Advisers who have 20 years of experience combined.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
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Join James Blair and Michael Vincent in their weekly podcast, Cheques & Balances. In this weeks episode, we ask should I upgrade my home? If I upgrade my home how much longer will I have a mortgage? Should I renovate my home?
Many of us buy our first home and it is great at the time. Over time our life changes though, our income goes up and we want more. We explore how much longer you may have a mortgage if you upgrade your home.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this weeks episode of Cheques & Balances James Blair and Michael Vincent discuss should I pay down debt or invest? Should I clear my mortgage or should I invest in index funds? It's a very topical question with record low-interest rates and appealing returns in other areas.
On this episode, James and Mike have a friendly debate. James is pro clearing off the mortgage faster and Mike pro, investing and clearing debt at the same time.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
In this weeks episode of Cheques & Balances James and Mike discuss the different types of short term debt, how to debt out of debt? Should I have a credit card? When is it okay to use after pay?
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Michael for this weeks episode of Cheques & Balances where they answer How do I help my kids get on the property ladder | How do I give my kids a head start in life?
It's hard enough for first home buyers to get on the property ladder. Imagine how hard it will be for your kids in 20 years! Mike and James run into this problem every day. They share their thoughts and some simple tips on how you can plan for the future.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike on this weeks episode of Cheques & Balances where they provide an introduction to the share market. James and Mike explain what is a share and also different ways to invest in the share market.
They talk through the different share trading platforms, active investing, direct investing and passive investing.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike for their weekly podcast, Cheques & Balances. In this weeks episode we tackle a common goal we see - how do we achieve financial freedom early. This may be having the option to retire at 50.
We talk about what does early retirement mean? And different scenarios and incomes which can get you to this goal.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike for their weekly podcast Cheques & Balances. This week is part two of the first home buyers series. In this episode, Micheal Vincent runs us through how much you may be able to borrow for your first home. We also discuss how to best use KiwiSaver, ongoing costs of owning a home and first home buyer grants.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Mike for their weekly podcast, Cheques and Balances. In this weeks episode, James and Mike ask - can you buy your first home and Maintain your lifestyle? This is a common question we get from Kiwis in their 20s.
This is a two-part series. In part one we talk about how to save for your first home with a solid budget. We also tackle the costs associated with buying your first home - building reports, lawers fees, moving costs.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in this weeks episode of Cheques & Balances to discuss the recent housing policy changes. They are joined by Accountant, Matthew Harris who shares his thoughts on wow will recent housing policy changes impact the investor? and Is property still a good investment NZ.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James Blair and Michael Vincent in their weekly podcast Cheques & Balances for weekly money tips. In this episode, we discuss talking to your partner about money, how to embrace awkwardness and goal setting with your partner.
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.
Join James and Mike in their weekly podcast Cheques & Balances where they share weekly money tips. In this episode we ask is now a good time to buy a house? Should I wait for house prices to drop? What is cryptocurrency? Should you buy bitcoin?
The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions.