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. Check out our website below: lighthousefinancial.co.nz
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 team hereFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 hereLearn more about Luke here:Keep The ChangeNext AdvisoryNext Steps: Ready to invest smarter and build a financial plan that actually works? Connect with the team at Lighthouse Financial to get started hereFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 todayFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 volatilityNext 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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 FastStep By Step Guide: How Financial Advisers Budget Their MoneyFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 ChangeNext AdvisoryNext Steps: Ready to invest smarter and build a financial plan that actually works? Connect with the team at Lighthouse Financial to get started hereFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 taxNext 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 PlanWhat Kiwis Should Do Now: Trump Market CrashFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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. For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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?For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 ChangeNext AdvisoryNext 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.For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 hereWant to learn more? Check out these episodes below:Step By Step Guide: How Financial Advisers Budget Their MoneyHow To Build Your Emergency Fund FastFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 hereWant to learn more? Check out these episodes below:Rent, Buy or Hold? What To Do When RelocatingShould I Buy A House Or Invest In SharesFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 nowNext 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 InIs The S&P 500 Just An Illusion Of Diversification?For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 KerrNZ's Economy in 2025: Is the Worst Over? For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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 PropertyShould I Buy A House Or Invest In Stocks?For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.
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:Creating a financial plan as a self-employed business ownerManaging lumpy income and irregular cash flowChallenges of getting lending when self-employedSetting goals for financial freedomThe importance of wills and insuranceWatch the full episode hereNext 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 PlanShould I Buy A House Or Invest In StocksFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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 2025Should I Buy A House Or Invest In StocksFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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 effectsNext 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 CultureHow To Financially Get Ahead In Your 20'sThe content in this podcast is the opinion of the hosts. It should 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 PlanShould I Buy A House Or Invest In StocksFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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 PropertyFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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. DiversificationFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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 EconomyFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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 InvestingHow Much Do You REALLY need to retire?For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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.Next Steps: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 MoneyHow Financial Advisers Budget Their MoneyFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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 PredictionsWhat Trump Tariffs Mean For NZ For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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!Next stepsIf 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 todayWant more insights? Check out these episodes:2025 Property Predictions ft Matthew HorncastleHow To Avoid Dodgy Developers ft Matthew HorncastleFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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.PAYE CalculatorWant more insights? Check out these episodes:How Financial Advisors Budget Their MoneyWhat To Do With Your KiwiSaverFor more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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 PredictionsWhat Trump Tariffs Mean For NZ For more money tips follow us on:FacebookInstagramThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
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.For more money tips follow us on:FacebookInstagramLinkedInTikTokYouTubeThe content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions
© 2020-2025 Ivy Podcast Discovery LLC
