Cheques and Balances

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 nu...

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 g...

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 mon...

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 here For more money tips follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

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 o...

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...

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 t...

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...

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 m...

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 mo...

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 contr...

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’...

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 f...

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 finan...

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 fu...

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 s...

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...

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...

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...

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...

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 St...

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...

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...

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...

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...