

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

Jan 30, 2025 • 11min
Why Capital Gains Tax Is A Good Thing For NZ | Episode 275
In this episode, we break down what a capital gains tax could mean for property investors, homeowners, and New Zealand’s economy. We discuss the potential winners and losers, how tax policies impact investment, and whether New Zealand is doing enough to attract global capital. Tune in for a balanced take on one of the country's most debated financial topics.
This episode is proudly sponsored by Partners Life.
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The 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.

Jan 28, 2025 • 18min
The Best Time Of Year To Travel | Episode 274
In this episode of The Takeover, we explore the best ways to save on travel, from booking flights at the right time to finding affordable destinations. Learn about shoulder seasons, last-minute deals, and actionable tips to stretch your travel budget.
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
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The 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.

Jan 26, 2025 • 10min
What Is An ETF? | Episode 273
In this episode we break down what an ETF (Exchange Traded Fund) is, cutting through the jargon to explain how they work, their benefits, and potential risks. Whether you're a seasoned investor or just starting out, learn how ETFs can fit into your financial strategy.
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
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The 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.

Jan 23, 2025 • 12min
How To Build Your Emergency Fund Fast | Episode 272
Ready to take control of your finances? In this episode, we share actionable strategies to build your emergency fund—fast. Learn how to save your first $1,000, create a reliable safety net, and prepare for life’s unexpected twists. Secure your financial future with tips you can put into action today!
In this episode we cover:
-How to save your first $1,000 quickly and efficiently.
-Practical budgeting tips to free up extra cash.
-The importance of automating your savings to stay consistent.
-Strategies to avoid common financial pitfalls and protect your emergency fund.
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
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The 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.

Jan 21, 2025 • 28min
Termination Rules Every Landlord Needs To Know | Episode 271
In our latest episode, we sit down with Sarina Gibbon, Head of the Auckland Property Investors Association, to break down the latest updates to New Zealand’s tenancy laws. From 90-day no-fault termination notices to the introduction of pet bonds, Sarina explains what these changes mean for landlords. Don’t miss this essential guide to navigating the evolving rental market in 2025.
Join the Auckland Property Investors Association today! Use code JAMESANDMIKE at APIA for a free one-month membership.
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
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The 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.

12 snips
Jan 19, 2025 • 1h 3min
Live Workshop: How To Build Your 2025 Financial Plan | Episode 270
Mike and James offer practical advice for building a solid financial plan for 2025. They stress aligning goals with personal values and the importance of effective budgeting. The discussion includes investment strategies and how to protect and grow your wealth. Listeners learn about the significance of maintaining a long-term perspective amidst economic challenges and the value of accountability in financial reviews. Personal anecdotes and current trends in the housing market provide relatable insights for anyone aiming to improve their financial situation.

Jan 16, 2025 • 16min
The Psychology Of Money In 15mins | Episode 269
In this episode, we dive into the psychology of financial decision-making, exploring common biases like anchoring and loss aversion that can impact your investments. Learn how to recognise these pitfalls, reframe decisions, and make smarter financial choices for a more secure future.
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
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The 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.

Jan 14, 2025 • 27min
The Cost Of IVF: The Hidden Costs of Starting a Family | Episode 268
In this episode of The Takeover, we dive into the financial side of family planning. From the costs of IVF to budgeting for egg freezing, we explore the key expenses involved in starting or growing your family. Whether you're navigating these options now or planning ahead, we offer practical advice to help you align your finances with your family-building goals.
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
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The 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.

Jan 12, 2025 • 27min
5 Tips For First Home Buyers | Episode 267
In this episode of The Takeover, Jess and Makayla share key insights and tips for first-time homebuyers, from avoiding common pitfalls to managing your budget effectively. Learn how to clarify your priorities, navigate mortgage approvals, and surround yourself with the right experts to make confident, informed decisions.
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
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Instagram
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The 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.

Jan 9, 2025 • 27min
Tax Troubles: Bridging the Knowledge Gap for Kiwis ft. Josh Taylor | Episode 266
In this episode, we sit down with Josh Taylor, co-founder of Taxi and Tax Traders, to explore how their workflow tool is helping Kiwis simplify the preparation of provisional tax bills. We also discuss Josh's experiences with business growth, expansion, and navigating setbacks, as well as the impact of their innovative solutions on New Zealand businesses.
Learn more about Tax Traders here
Learn more about Taxi here
This episode is proudly sponsored by Partners Life.
For more money tips follow us on:
Facebook
Instagram
LinkedIn
TikTok
YouTube
The 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.