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...
Neueste Episoden
484 Episoden
OCR Breakdown: Will Interest Rates Drop Below 4%? | Episode 387
The OCR has been cut - but is this just the beginning for falling interest rates? In this episode, we break down the 50-basis-point cut, its impact on...
Are Kiwi Business Owners Over-Taxed? Provisional Tax Explained Ft. Matt Harris| Episode 386
Provisional tax catches out thousands of Kiwi business owners every year.
In this episode, Matthew Harris breaks down what provisi...
Why It’s Expensive to Be Poor | Episode 385
Sometimes the habits that feel frugal are actually draining your wallet. In this episode, Jess and Makayla unpack why “it’s expensive to be poor” - ex...
Inside a Financial Plan Ep2: KiwiSaver, Crypto & Property - The Strategy Session
Episode 2 of our mini-series dives into strategy - James works with Rachel and Dion to break down how their money is invested across KiwiSaver, crypto...
KiwiSaver Crisis: Why You’ll Go Broke in Retirement | Episode 383
KiwiSaver won’t save your retirement - and it’s time Kiwis faced that reality.
In this episode, Mike and James reveal the harsh truth behind New...
OCR Predictions: How Low Will Mortgage Rates Go?! Ft. Matt Harris | Episode 383
How low could mortgage rates really go? 👀
In this episode, we break down the Reserve Bank’s latest moves, discuss predictions for OCR cuts, exp...
Is NZ Education Failing? The Rise of Crimson Education Ft. Jamie Beaton | Episode 382
From Auckland to the Ivy League and beyond - Jamie Beaton’s journey shows what it takes to turn a Kiwi startup into a billion-dollar business. In this...
Inside a Financial Plan Ep1: Dion & Rachel’s Journey
A real Kiwi couple puts their finances on the table in our brand-new mini series.
In this first episode, we dive into Dion and Rachel’s money st...
The Crushing Cost of a Growing Family in NZ | Episode 380
In this episode, we unpack the true financial impact of going from two to three kids - covering housing upgrades, new cars, childcare, food, schooling...
The Midlife Financial Crisis: Why Your 40s Feel So Expensive | Episode 379
Midlife money stress is real - and it’s hitting Kiwis harder than ever. In this episode, we break down the “midlife financial crisis,” exploring how c...
This Is Why You Feel Poor: The Brutal Truth Of Inflation | Episode 378
Inflation is down, but Kiwis are still feeling broke. In this episode, we unpack why everyday essentials like rent, groceries, and mortgage repayments...
NZ Economy Shrinks: Why GDP is Falling | Episode 377
NZ’s economy has gone backwards - here’s what it really means for Kiwis. In this episode, we break down the 0.9% GDP decline, what it signals for busi...
Most Played Moment: Finance Minister Nicola Willis on Debt, Growth, and NZ's Economic Future | Episode 376
Your Most Played Moment Of 2025: In this exclusive interview from inside the Beehive, Finance Minister Nicola Willis joins us to discuss NZ’s economic...
Debt-Free Faster: How to Cut 10 Years Off your Mortgage Ft. Justin Gauci | Episode 375
Stop sleepwalking on your mortgage - learn how small changes could help you cut years off and reduce interest costs. In this episode, we explore pract...
2025 Property Market: Negotiation Tactics to Save Thousands Ft. Adam Farrell | Episode 374
In today’s buyer’s market, smart negotiation could save you thousands on your next property. Adam Farrell joins us to unpack the strategies behind tim...
Why Rentvesting Will Ruin Your Retirement | Episode 373
Rentvesting might look smart now, but it could leave you broke later.
In this episode, James and Jess break down the numbers behi...
Foreign Buyers Ban Changes: Will They Save or Sink NZ’s Economy? Ft. Matt Harris | Episode 732
Foreign buyers are back...sort of. In this episode, James and Matt unpack New Zealand’s revised foreign buyers rules, the $5 million price cap, and wh...
NZ's Infrastructure Crisis: Why Are Taxpayers Footing the Bill? | Episode 371
NZ’s infrastructure is crumbling and taxpayers are footing the bill.
In this uncut episode, James and Mike unpack the government’s new road user...
$150K Insurance Mistake: Cancer and Cancelled Cover Ft. Emily Powell | Episode 370
A personal story of cancer, cost, and the true value of insurance. In this episode, we share the financial and emotional journey of losing a parent to...
When the IRD Comes Knocking: Triggers, Mistakes & Penalties Ft. Matt Harris | Episode 369
When the IRD knocks, will you be ready?
In this episode, we unpack how Inland Revenue investigations work, the triggers that set off audits, co...
The $1.7M Apartment Disaster: Why Pre Approval Matters | Episode 368
Don’t buy blind - pre-approval could save you from a financial disaster.
In this episode, we break down what pre-approval really means, the risk...
KiwiSaver vs Managed Funds: How to Get Ahead in 2025 - Audience Q&A | Episode 367
Smart money moves start with the right questions.
In this Q&A episode, James and Makayla unpack everything from when to start investing and payi...
5 Hidden Tax Hacks Most NZ Property Investors Are Missing Ft. Matt Harris | Episode 366
Stop overpaying the IRD - here are five tax hacks you probably didn’t know existed. Matt Harris, Managing Director at Lighthouse Financial, unpacks cl...
OCR Explained: What It Means for Your Mortgage & NZ’s Future | Episode 365
OCR explained: the cut, the tracker, and what it really means for your mortgage. In this episode, we break down the Reserve Bank’s 25bps cut to 3%, wh...
Can The Economy Recover If House Prices Don’t? | Episode 364
If house prices stay flat, can New Zealand’s economy really bounce back?
In this episode, we unpack how a stagnant housing market impacts GDP,...
My Auction Horror Story: What Every Home Buyer Must Know | Episode 363
Buying a house isn’t just about the price tag - how you buy matters just as much. In this episode, we break down auctions, negotiations, deadline sale...
From One Home to Three Rentals: A Client’s Property Journey | Episode 362
From a $39k salary to three investment properties - Crissy’s story proves strategic moves pay off.
In this episode, we follow Crissy’s journey f...
5 Key Steps: A Beginner’s Guide to Property Investing ft. Adam Farrell | Episode 361
Buying your first investment property? Start with the right strategy, not the closest suburb.
In this episode, Lighthouse Financial’s Property D...
Should Your KiwiSaver Have Crypto In It? | Episode 360
Crypto in KiwiSaver: bold move or big mistake? In this episode, we break down whether cryptocurrency deserves a place in your KiwiSaver, exploring its...
EXCLUSIVE INTERVIEW: Finance Minister Nicola Willis Debt, Growth, and New Zealand's Economic Future | Episode 359
You can’t tax your way to prosperity - but you can grow the pie. In this exclusive interview from inside the Beehive, Finance Minister Nicola Willis j...
Global Markets Are Up: So Why Is NZ Still Struggling? Q2 Report | Episode 358
Markets are bouncing back - but not all economies are sharing the gains. In this April-June 2025 quarterly update, we unpack the drivers behind the gl...
Why Revolving Credit Will Ruin Your Life | Episode 357
Revolving credit might feel like financial freedom - but for most people, it can be a fast track to long-term debt. In this episode, we unpack how rev...
Retirement Crisis: NZ’s Ageing Population | Episode 356
Nearly 1 in 4 Kiwis will be over 65 by 2050 - and that’s not just grey hairs, it’s an economic shake-up. In this episode, we break down what an ageing...
Step by Step Guide: How To Get Your First Mortgage | Episode 355
Think getting your first mortgage is confusing? We break it all down - from KiwiSaver strategies and saving hacks to bank vs broker comparisons and ho...
4 Reasons Why You Won’t Retire At 65 | Episode 354
Think you’re on track for retirement? Think again. We unpack the four biggest mistakes that are quietly derailing Kiwi retirement plans - from mortgag...
Are Kiwis Giving Up on Property? | Episode 353
Some Kiwis are walking away from property - but is that the right move?We break down why public sentiment is shifting, the risks of short-term thinkin...
NZ Debt Crisis: Why Half A Million Kiwis Are Behind On Bills | Episode 352
Debt stress is rising across New Zealand and it’s not just mortgages. Over 485,000 Kiwis are behind on bills, with short-term debt spiking and KiwiSav...
Retirement in 2025: Should you 'Die With Zero'? | Episode 351
Should you really save every dollar for retirement? Makayla and Jess break down the key ideas from Die With Zero by Bill Perkins exploring why the ric...
The Realities of Saving a 10% Deposit in 2025 | Episode 350
Think saving a 10% deposit is out of reach? We break down the real numbers behind buying your first home in 2025 - comparing couples in Auckland and C...
Mortgages 101: Deposits, Interest and Equity Explained | Episode 349
Mortgage jargon got you confused? We unpack the fundamentals of deposits, loan structures, and equity - breaking down what they actually mean, how the...