Cheques and Balances
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 conversations about money - all to help you take control of your financial future with confidence.
Check out our website below:
lighthousefinancial.co.nz
Check out our website below:
lighthousefinancial.co.nz
Episodes
Mentioned books
Mar 16, 2025 • 14min
The True Cost Of An Inheritance | Episode 294
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
Mar 13, 2025 • 26min
How To Financially Get Ahead In Your 20's | Episode 293
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
Mar 11, 2025 • 25min
How Trump is Shaping the Global Economy ft. Jarrod Kerr | Episode 292
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
Mar 9, 2025 • 15min
Why You Should Buy A Negatively Geared Investment Property | Episode 291
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
Mar 6, 2025 • 17min
What School Should Have Taught You About Money | Episode 290
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
Mar 4, 2025 • 21min
NZ’s Economy in 2025: Is the Worst Over? Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 289
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
Mar 2, 2025 • 14min
Ultimate Guide To Kid Friendly Investing | Episode 288
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
Feb 27, 2025 • 21min
What SMART Investors Always Look for in Properties! Ft. Adam Farrell | Episode 287
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 hereRegister 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 Register nowThis 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
Feb 25, 2025 • 15min
How Much Do You REALLY Need To Retire? | Episode 286
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.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
Feb 23, 2025 • 27min
Step By Step Guide: How Financial Advisers Budget Their Money | Episode 285
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 hereThis 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
