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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Why 8/10 People Should Sell Their First Home | Episode 472
Most first homes don’t make good investment properties but people keep holding them anyway.
In this episode, we break down why so...
Why It Feels Harder Than Ever To Get Ahead in New Zealand | Episode 471
It feels harder than ever to get ahead right now - even if you’re doing everything right.
In this episode, we break down the reality behind that...
Property Prices Are Stuck: Should You Buy in 2026? | Episode 470
With NZ property prices flat in 2026, should you be buying or waiting it out?
In this episode, we break down whether 2026 is actually a smart ti...
Fuel Crisis vs COVID: Which Hits NZ Economy Harder? | Episode 469
It feels like COVID all over again… but is it?
In this episode, we break down the key difference between a demand-driven crisis li...
KiwiSaver vs. Property: What Builds More Wealth In Retirement? | Episode 468
KiwiSaver vs your first home deposit… are you building wealth or slowing yourself down?
In this episode, we break down whether you should use y...
OCR Predictions: Petrol Prices Are Spiking - Do Interest Rates Follow? Ft. Jarrod Kerr | Episode 467
In this episode, We sit down with Kiwibank Chief Economist Jarrod Kerr to unpack the upcoming OCR decision, why rising oil prices are driving inflatio...
NZ Economic Update: Inflation Rising, Growth Falling Ft. Jarrod Kerr | Episode 466
Is New Zealand heading into stagflation? Inflation is rising, growth is slowing and the outlook is shifting fast.We sit down with Kiwibank Chief Econo...
The Tax on Shares That’s Costing Kiwi Investors Thousands | Episode 465
Your Sharesies account might be quietly draining thousands in tax and most Kiwis don’t even realise it.We break down how tax actually works on shares...
Is NZ’s Economic Recovery at Risk? The Long Term Effects of the Oil Crisis | Episode 464
A global oil shock could quietly reset New Zealand’s recovery - and most people aren’t ready for the flow-on effects.
In this episode, we break...
A 30 Year-Old’s Retirement Plan | Episode 463
Build a 30 year retirement plan by starting with your first home.In this episode, we use a real first home buyer case study to break down deposits, Ki...
2026 Financial Plan: Step-by-Step to Fix Your Money | Episode 462
If you’re not on track with your 2026 financial plan yet - this is where you fix it.
In this episode, we break down how to build a...
First Home Buyers Guide NZ: Step-by-Step Process | Episode 461
Buying your first home in NZ isn’t about finding “the one” - it’s about not getting burned in the process.
In this 2026 first home buyers guide,...
5 Signs You’ll Have to Work Until 70 (And How to Avoid It) | Episode 460
Most Kiwis won’t realise they’re on track to work until 70… until it’s too late.
In this episode, we break down the 5 key signs yo...
KiwiSaver, Investing & Mortgages: Listener Money Questions | Episode 459
Real money questions from listeners - covering KiwiSaver, investing, mortgages, and how to actually build wealth in New Zealand.
In this Listene...
Meth Contamination: The Silent Killer of the NZ Property Market | Episode 458
Meth contamination in NZ property is a growing risk that buyers and investors often overlook.In this episode we explain how meth contamination happens...
Will War Push Interest Rates Higher? What It Means for Your Mortgage | Episode 457
War headlines are everywhere - but what could global conflict actually do to interest rates?In this episode, the team breaks down how the US-Iran conf...
Oil Prices Surge 50%: What War Means for Markets | Episode 456
While the human cost of war is devastating, many investors are asking the same question - what does it mean for markets?In this episode, James and Jes...
10 Years Without Filing Taxes: What Happens Next? | IRD Horror Stories | Episode 455
Ignore your taxes long enough and the problem doesn’t disappear - it multiplies.
In this episode James sits down with Lighthouse Senior Accounta...
Property vs Shares: Which Builds More Wealth in 2026? | Episode 454
Property or shares - which one will actually build wealth for the next generation?
In this episode, James and Michael break down the long-runnin...
An Extra $100,000 at Retirement? KiwiSaver Changes Explained | Episode 453
Could the KiwiSaver changes really mean an extra $100,000 at retirement - and is locking that money away actually the smartest move?
In this epi...
Chlöe Swarbrick: Wealth Tax, Housing & New Zealand’s Broken Economy | Episode 451
New Zealand works harder than ever - so why does it feel like we’re falling behind?In this episode, we sit down with Chlöe Swarbrick, co-leader of the...
Accountants React To The Worst Tax Advice Online ft. Matt Harris | Episode 450
Most of the tax advice you see online isn’t just wrong - it could cost you thousands.
In this episode, James sits down with Lighthouse Senior Ac...
$45,000 Paid Off Their Mortgage In 4 Months | Inside a Financial Plan Ep 9
They paid off $45,000 of debt in months and didn’t feel restricted doing it.
In this final episode of Inside a Financial Plan, we review Rachel...
$145 Billion In KiwiSaver: Why Is The System Still Broken? Ft. Dean Anderson, CEO of Kernel | Episode 448
KiwiSaver holds $145 billion so why are so many Kiwis still heading for a broken retirement?
In this episode, we’re joined by Dean...
Why New Zealand Is Working Harder And Getting Nowhere | Episode 446
New Zealand used to punch above its weight - so why does working harder now feel like it’s getting us nowhere?
In this episode, we...
Is The Share Market Overvalued? Here’s What Investors Must Know | Episode 445
Is the sharemarket dangerously expensive or just evolving with a new era of growth?
In this episode, the team unpacks whether toda...
The Bitcoin Crash Explained: $3.2 Billion Wiped Out in 24 Hours | Episode 444
Bitcoin just lost $3.2B in a single day and this crash wasn’t random.We unpack what triggered the February 5 sell-off, how leverage and forced liquida...
Quarterly Investment Update: Why Silver Surged! | Episode 443
Silver surged, crashed, and reminded investors just how quickly sentiment can turn.In this quarterly investment update, we break down global market pe...
Reduce Your Tax Bill: How the Wealthy Structure Assets & Debt Ft. Amanda Quill | Episode 442
Structure your debt smarter - because how you own assets can be the difference between paying more tax or keeping thousands. Drawing on a real example...
NZ’s Rising Debt Crisis: Why You’re Still Broke And Why It’s Getting Worse | Episode 441
Debt is rising and relief hasn’t arrived.
In this episode, the team unpacks rising mortgage arrears, increasing unemployment, stubborn interest...
Paying Too Much, Yet Still Underinsured | Inside a Financial Plan Ep 8
You can be paying thousands for insurance and still be dangerously under-covered.
In this episode of Inside a Financial Plan, Call...
Is New Zealand’s Economy Growing… or Shrinking? | Episode 439
New Zealand’s economy is sending mixed signals and the outlook for 2026 isn’t as simple as “good” or “bad.”
In this episode, the t...
Elon Musk: Is This the End of Retirement Savings? | Episode 438
Elon Musk says we don’t need to save for retirement - but should we actually believe him?
In this episode, the team breaks down Musk’s viral com...
Haven’t Filed Your Tax Return Yet? Watch This Ft. Amanda Quill | Episode 437
If you haven’t filed your tax return yet, what you don’t know could already be costing you money.
In this episode, the team breaks down how to l...
Is Buy and Hold Dead? Rethinking your property strategy Ft. Jim Dodd Property CEO Founder | Episode 436
Is the classic buy-and-hold strategy still enough in today’s property market?
In this episode, we’re joined by Jim Dodd, Founder of Property CEO...
The Real Reason Mortgage Rates Are Rising ft. The Takeover | Episode 435
Mortgage rates aren’t rising because of one headline number - there’s a lot more going on behind the scenes.
In this episode, we break down the...
Build Wealth And Protect It: The Insurance Mistakes You’re Making | Inside a Financial Plan Ep 7
Insurance isn’t about ticking boxes - it’s about protecting the life you’re actually building.
In this episode of Inside a Financial Plan, Light...
Can You Get a Mortgage After 50? | Episode 433
Can you actually get a mortgage after 50 or does age quietly change the rules?
In this episode, we break down how banks assess lending as you ge...
Why is NZ’s Healthcare System Failing? Ft. Nick Astwick, CEO of Southern Cross Health Society | Episode 432
New Zealand’s healthcare system isn’t broken - but it is under serious strain.
In this episode, we’re joined by Nick Astwick, CEO of Southern Cr...
Why Property Is the Biggest Threat to Your Retirement | Episode 431
Property can make you look rich... while quietly leaving you cash-poor in retirement.
In this episode, Mike and James break down why relying sol...