Cheques and Balances
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Cheques and Balances
Whether you're buying your first home, tackling debt, or building long-term wealth, we’ll show you how to make smarter money moves. With over 20 years of combined experience as qualified financial advisers, James Blair and Michael Vincent share straight-talking advice, practical strategies, and real...
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The Best Property Insights of 2025: Where the NZ Market Is Headed ft. Ilse Wolfe & Alex Martelli | Episode 426
Property strategy matters more than ever in 2026.
In this episode, we revisit the biggest property conversations of the past year - from first-h...
Sharemarket 101: How To Start Investing In 2026 | Episode 425
Investing doesn’t need to be complicated.
In this episode, we break down how the fundamentals of how the sharemarket actually works - what a sha...
Live Webinar: Building a Financial Plan for Summer | Episode 424
Summer spending is easy - staying on top of your money is harder.
In this episode, we walk through how to set clear financial goals, build a sus...
The Best Guest Insights of 2025: Money, Markets & Growth ft. Luke Kemeys, Nicola Willis and more | Episode 422
Four standout guests. Four conversations that shaped how we think about money, markets, and growth.In this special episode, we’ve pulled together our...
Buying Property in 2026? Bridging Loans Explained | Episode 422
Buying before you sell sounds simple - until it isn’t.
In this episode, we break down bridging finance, when it makes sense to use it, the diffe...
2026 Predictions: Is This The Year The NZ Economy Turns? | Episode 421
2026 is shaping up to be a year of recovery but not without risk.
In this episode, we break down our 2026 predictions across the N...
Property Market 2026: What Buyers Need to Do Now ft. Matt Harris & Adam Farrell | Episode 420
The property market doesn’t wait and the best deals rarely come with notice.
In this episode, the Lighthouse Property team breaks down what’s re...
From One Property to Ten: Building a Property Empire Before 30 | Episode 419
From his first house at 18 to managing over ten projects a year - this is how Kyle turned building skills into a property empire.In this episode, we d...
How to Budget Like a Financial Adviser | Inside a Financial Plan Ep 6
A real-world look at how tracking your money actually works - without spreadsheets or guesswork.In this episode of Inside a Financial Plan, Jess walks...
Will Passive Investment Crash The Stock Market? | Episode 417
Passive investing has taken over - but what happens when nobody’s actually picking the stocks?In this episode, we unpack the explosive rise of passive...
3 Things to Know Before Buying an Investment Property ft. Matt Harris | Episode 416
Buying your first investment property? Here are the three game-changing rules every investor needs to know before they make their move.
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Is NZ’s Property Market Unproductive? The Real Economic Impact | Episode 415
Is NZ’s property market really unproductive — or is everyone getting it wrong?
In this episode, we break down the real economic im...
North vs South Island: Why One Half of NZ Is Getting Richer | Episode 413
The North and South Islands are living two completely different financial realities - and the wealth gap is bigger than you think.
...
5 Reasons Buying Your First Home Just Got Easier | Episode 412
Buying your first home just got a whole lot easier and the numbers prove it.
In this episode, we break down the five biggest shifts helping firs...
Cashflow vs. Capital Gains: 2025’s Most Profitable Property Strategy Ft. Ilse Wolfe | Episode 411
Cashflow or capital gains? Why choose when the smartest investors are structuring their deals to get both?
In this episode, we si...
Falling Mortgage Rates: How to Add $100K to Your Net Worth | Episode 410
Mortgage rates are dropping and the right move now could add over $100K to your net worth.
In this episode, we break down how holding your repay...
Is NZ’s Property Market Broken? The Fall of the Investment Property | Episode 409
Is NZ’s property market actually broken or are the headlines missing the real story?
In this episode, we break down 30 years of ma...
NZ Insurance Crisis: Why Have Premiums Jumped 400%? | Episode 408
Insurance premiums have exploded and Kiwis are feeling the squeeze like never before.
In this episode, we break down the shocking 15-year surge...
OCR Predictions: Will Mortgage Rates Fall Further? | Episode 407
Will the RBNZ pull the trigger on 25 or 50? Here's what really sits behind Wednesday’s OCR call.
In this episode, we break down the latest infla...
The KiwiSaver Overhaul: Here's what Changing | Episode 406
KiwiSaver is getting a shake-up and some of these changes could completely reshape your retirement.
In this episode, we break down the proposed...
Live Webinar: How To Invest Smarter In New Zealand's Property Market ft. Scott O'Neill
In this live webinar Scott O’Neill, Dylan Menzies and Michael Vincent break down where the real value is heading into 2026 - from commercial vs reside...
Wealth Tax vs. Capital Gains Tax: What’s best for the NZ economy? | Episode 404
A heated debate that every Kiwi needs to hear - Wealth Tax vs Capital Gains Tax.Matt, James and Mike down how each tax actually works, the real-world...
Live Webinar: First Home Buyers Top 5 Negotiation Tips for the 2025 Market | Episode 403
Buying your first home? Don’t walk into a negotiation blind.
In this episode, Mike and Adam break down the exact strategies every first-home buy...
Cost of Living Crisis: $200K Can’t Support a Single Income Household | Episode 402
New Zealand’s one-income household is officially dead - and the numbers prove it.
In this episode, James and Michael break down why rising livin...
NZ’s Economy Isn’t Growing: Is Infrastructure the Answer? Ft. Jarrod Kerr | Episode 401
Can infrastructure spending really supercharge New Zealand’s economy?
In this episode, Kiwibank Chief Economist Jarrod Kerr joins the team to un...
AI Boom or Bust? Sharemarket Crash Fears: Quarterly Market Update | Episode 400
Markets are booming - but are we on the edge of an AI bubble?
In this quarterly update, James and Chris from Mapua Wealth break down what’s driv...
Paying Down Debt vs Investing in Property: Smart Mortgage Strategies | Inside a Financial Plan Ep 5
Paying down your mortgage or investing in more property - which gets you closer to financial freedom?
In this episode, Mike breaks down Dion and...
Live Webinar: Stop Overpaying Tax - What Most NZ Property Investors Miss | Episode 399
Five smart ways to keep more money in your pocket this tax season.In this live webinar, Matt Harris and Andrew Higgs uncover the most overlooked tax h...
Should NZ Have 30 Year Fixed Mortgages? | Episode 398
Would 30-year fixed mortgages work in New Zealand?
In this episode, James and Michael unpack how long-term fixed loans in the US provide stabil...
OCR Cuts & Capital Gains Tax: NZ’s Recession or Rebound? ft. Jarrod Kerr | Episode 397
Rates are down, but inflation’s still biting. In this quarterly update, Kiwibank Chief Economist Jarrod Kerr unpacks the OCR cut to 2.5%, Labour’s pro...
Will You Get Superannuation? The Debate on Means Testing | Episode 396
Should New Zealand’s wealthiest retirees still receive NZ Super? In this episode, James and Mike unpack the growing debate around means testing - expl...
Live Webinar: How to Plan for Retirement - KiwiSaver, Property or Shares?
Retirement isn’t about luck - it’s about planning, action, and time.
In this live webinar, James and Justin break down what Kiwis really need to...
28% Capital Gains Tax? What Labour’s Plan Means for You | Episode 394
Labour’s back with a bold play - a 28% capital gains tax on property.
In this episode, we break down the proposed 2027 capital gains tax - explo...
Investing in Shares vs Property: Inside a Financial Plan Ep4
What would you do if your financial plan said you’ll have $6 million at 100?In this episode, we reconnect with Rachel and Deon to unpack their latest...
5 Investing Mistakes Most People Make | Episode 392
Most investors lose money not because of the market - but because of their own mistakes.
In this episode, we break down the five biggest mistake...
KiwiSaver Untaxed: A Game Changer for Retirement | Episode 391
What if your KiwiSaver balance could double - just by removing tax?
In this episode, we explore the radical idea of untaxed KiwiSaver returns, c...
Mortgage Free in 4 Years and Retired at 52: Inside a Financial Plan Ep3
What does a real financial plan actually look like?
In this episode, James walks Rachel and Dion through their personalised financial roadmap -...
Struggling With Debt? 3 Key Steps to Fix Your Finances | Episode 389
Struggling with debt? In this episode, we share 3 key steps to fix your finances - from recognising the problem and shifting your mindset, to building...
Live Webinar: A Guide to Cutting Debt and Growing Wealth
Stop giving the banks your hard-earned money - learn how to cut debt and grow wealth faster.
In this live webinar, we cover smart...
OCR Breakdown: Will Interest Rates Drop Below 4%? | Episode 387
The OCR has been cut - but is this just the beginning for falling interest rates? In this episode, we break down the 50-basis-point cut, its impact on...