Podcasts by Category
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
- 658 - New Zealand's Economy: Are Kiwis Better Off Than in 2023? | Episode 561
Compared to 2023, interest rates are down and wages are up, so why are so many Kiwis still feeling the pinch?
In this episode, James and Mike compare New Zealand's economy today with 2023, unpacking the rising cost of living, mortgage rates, unemployment and regional economic differences, while questioning how much influence the Government really has over our financial future.
Next Steps: You can't control the economy, but you can take control of your finances. Get in touch with the team at Lighthouse Wealth to explore how we can help you make smarter financial decisions, whatever the market is doing.
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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.
Tue, 10 Nov 2026 - 25min - 657 - Don't Start 2027 Broke: How to Get Ahead Financially | Episode 560
2027 is around the corner. Is your money where you want it to be?
In this episode, James and Mike share practical ways to get ahead financially before the New Year, from reviewing your mortgage, insurance and KiwiSaver to tackling high-interest debt, building an emergency fund and creating better money habits to help you reach your financial goals in 2027.
Next Steps: James is taking on just 10 new financial planning clients! Get a personalised plan to grow your wealth, make smarter financial decisions and reach your goals. Don't miss out, enquiries close at the end of November!
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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.
Sun, 08 Nov 2026 - 20min - 656 - The Harsh Reality of Running a Business in NZ ft. Olivia Blaylock | Episode 559
What separates the Kiwi businesses thriving from those barely surviving?In this episode, we sit down with Olivia Blaylock, CEO of The Icehouse, to unpack the challenges facing New Zealand businesses, from rising costs and mounting debt to cash flow mistakes, leadership and the growing impact of AI, and explore what successful business owners are doing differently to grow in a tough economy.Next Steps:If you're a business owner looking to take your business to the next level, get in touch with The Icehouse to learn more about their programmes and how they can help you grow your business.
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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.
Thu, 05 Nov 2026 - 31min - 655 - The Financial Squeeze: Paying for Your Kids AND Your Parents? Ft. Kathy Faulkner | Episode 558
What happens when you're financially responsible for both your kids AND your parents?
We're joined by Lighthouse Financial Adviser Kathy Faulkner, who shares her firsthand experience navigating the midlife squeeze, from paying off her parents' mortgage while raising a young family to managing competing financial priorities, setting boundaries and building long-term wealth without sacrificing her own financial future.
Next Steps:If you're juggling the financial demands of supporting your family while trying to plan for your own future, book a chat with Kathy to build a financial plan that works for you.
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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.
Tue, 03 Nov 2026 - 24min - 654 - NZ's Retirement Crisis: Why KiwiSaver Needs to Change Ft. Dean Anderson | Episode 557
Will KiwiSaver be enough to save New Zealand's retirement system?
We're joined by Dean Anderson, CEO and founder of Kernel, to unpack the future of NZ Super, the growing pressure of an ageing population, and whether KiwiSaver reform could be the answer to New Zealand's retirement challenges. From raising the retirement age and making KiwiSaver compulsory to rethinking our obsession with property, we explore what needs to change to secure the next generation's financial future.
Next Steps:
To learn more about Kernel and their investment options, click here.If you're wondering whether your KiwiSaver and investments are on track to support the retirement you want, get in touch with our team at Lighthouse Financial to review your options and start planning for the future.
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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.
Sun, 01 Nov 2026 - 37min - 653 - 6th Most Taxed Country in the World!? NZ Tax Crisis Explained | Episode 556
New Zealand has been ranked the 6th most taxed country in the world, with tax revenue accounting for 32.6% of GDP. But are we paying too much, or is our economy simply too small?
We unpack how New Zealand's tax system compares to Australia's, from income tax and GST to capital gains tax and property investment, and debate whether higher taxes, poor productivity and government spending are holding back our economic growth.
Next Steps:Want to make sure you're not paying more tax than you need to? Get in touch with our accounting team at Lighthouse Financial to review your tax position and make sure you're making the most of what's available to you.
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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.
Thu, 29 Oct 2026 - 17min - 652 - How To Protect Your Financial Plan | Episode 555
What's the point of building wealth if one unexpected event could wipe it all out?We unpack the three essentials of protecting your financial future: emergency funds, wills and estate planning, and insurance. From understanding how much life insurance you actually need to avoiding costly insurance mistakes, we share practical strategies to protect your income, your family and the wealth you've worked hard to build.Life Insurance Calculator: Find out how much life insurance you might need with our free life insurance calculator.If you're unsure whether your financial plan is properly protected, get in touch with the Lighthouse Financial team to review your insurance, estate planning and financial safety nets.
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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.
Tue, 27 Oct 2026 - 24min - 651 - The Opportunity Party: Land Tax, Compulsory KiwiSaver & Citizen’s Income Ft. Qiulae Wong | Episode 554
Could a land tax completely reshape New Zealand’s property market?The Opportunity Party leader Qiulae Wong joins us to unpack the party’s proposed tax reset, including a 1.75% land value tax and Citizen’s Income. We also explore housing affordability, property investment, compulsory KiwiSaver, the future of NZ Super, and what needs to change to build a more productive New Zealand economy.Next steps: Want to dive deeper into The Opportunity Party’spolicies? Read more about their plans and what they’re proposing for New Zealand here.
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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.
Sun, 25 Oct 2026 - 48min - 650 - ACT's $300M Property Tax Break: Will Ring Fencing End? Ft. Matt Harris | Episode 553
A $300 million tax break for property investors. But who's really going to benefit?
We sit down with Lighthouse Financial Managing Director and tax expert Matthew Harris to unpack ACT's proposal to remove property tax ring-fencing, what it could mean for landlords' tax refunds, rental prices and property investment returns, and whether the policy has any chance of becoming law.
Next Steps: Own an investment property or thinking about buying one? Speak with the Lighthouse Accounting team to make sure your property is structured tax-efficiently, you're claiming the deductions you're entitled to, and you're making the most of your investment.
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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.
Thu, 22 Oct 2026 - 16min - 649 - Real Estate Agent Horror Stories: What Buyers Need to Know Ft. Alex Martelli | Episode 552
Not everything a real estate agent tells you is the full story.
We sit down with Alex Martelli, founder of Martelli Buyers Agents, to unpack real estate agent horror stories, from questionable multi-offer tactics and misleading property listings to hidden flood risks, dodgy sales techniques, and the red flags every buyer should know before purchasing a home.
Next Steps:Looking for expert support when buying a property? Get in touch with Alex Martelli and her team to help you find, negotiate and secure the right home.
Buying a home? Our mortgage team can help you understand your borrowing power, secure the right lending and navigate the buying process with confidence.
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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.
Tue, 20 Oct 2026 - 26min - 648 - The Future of New Zealand Business: Icehouse Ventures CEO Explains | Episode 551
Is New Zealand entering a new era of business growth?
We sit down with Robbie Paul, CEO of Icehouse Ventures, to explore the future of Kiwi entrepreneurship, the rise of billion-dollar businesses, the role of venture capital, and why New Zealand could be on the brink of its biggest era of innovation yet.
Next steps: learn more about Icehouse Ventures and the Kiwi businesses they're backing.
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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.
Sun, 18 Oct 2026 - 43min - 647 - Index Funds: Are You Taking More Risk Than You Think? | Episode 550
Think your index fund is diversified? You might be taking on more risk than you realise.
In this episode, we unpack the hidden risks of index investing, from the S&P 500's heavy exposure to the Magnificent Seven and the surprising decisions behind supposedly passive funds, to why diversification, portfolio structure and your stage of life matter more than simply chasing returns.
KiwiSaver Comparison Calculator:See how your KiwiSaver fund stacks up against other providers and whether it's delivering competitive returns.
5 Golden Rules of Investing:Explore James' five golden rules for building a diversified investment portfolio and managing risk over the long term.
Want to know whether your investments are actually diversified? Get in touch with our Wealth teamto review your portfolio, understand your risk exposure and make sure your investment strategy aligns with your long-term financial goals.
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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.
Thu, 15 Oct 2026 - 22min - 646 - Why Property Isn’t Your Retirement Fund | Episode 549
You could be worth millions and still struggle to fund your retirement.
We unpack why property wealth doesn't always translate into retirement income, the pros and cons of term deposits, bonds, cash funds and shares, and how to balance investment growth, risk and cash flow to fund the retirement lifestyle you actually want.
Next Steps:Want to make sure your investments can fund the retirement lifestyle you're working towards? Get in touch with the Lighthouse Wealth team to build a retirement investment strategy tailored to your goals.
Want to explore more ways to generate income in retirement? Check out MoneyHub’s guide here.
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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.
Tue, 13 Oct 2026 - 23min - 645 - Why Foreign Millionaires Are Buying NZ Property Ft. Alex Martelli | Episode 548
The world's wealthy are turning their attention to New Zealand, and they're bringing serious money with them.Alex Martelli, founder of Martelli Buyer's Agents, joins us to unpack why wealthy international buyers are choosing New Zealand, the impact of the new investor visa rules, growing demand for luxury property in Auckland and Queenstown, and what an influx of foreign investment could mean for the housing market and wider economy.Thinking about buying your next home? Get in touch with Martelli Buyer’s Agents here.
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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.
Sat, 10 Oct 2026 - 16min - 644 - Tax free KiwiSaver: Could you retire with double? | Episode 547
Tax-free KiwiSaver could mean millions more in retirement. But there's a catch.
We unpack ACT's proposal to scrap tax on KiwiSaver investment earnings, including how compounding returns could dramatically increase retirement savings, the trade-off of losing Government Contributions, what it could mean for NZ Superannuation, and whether tax-free KiwiSaver could fundamentally change the way Kiwis invest, pay down debt and plan for retirement.
Next Steps:Book a free consultation with our KiwiSaver team to review your setup.
Compare your KiwiSaver provider's performanceand fees with our free calculator.
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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.
Thu, 08 Oct 2026 - 24min - 643 - Chris Hipkins Won’t Touch Interest Deductibility… But What About CGT? Ft. Matthew Harris | Episode 546
Interest deductibility is staying… but property investors aren’t necessarily off the hook.
We unpack Labour’s position on interest deductibility, the case for and against a capital gains tax, what future tax changes could mean for property investors and business owners, and whether tax should influence where you invest.
Next Steps: If you’re investing in property or thinking about your next move, get in touch with the Lighthouse team to make sure you understand how the current tax rules affect your investment.
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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.
Tue, 06 Oct 2026 - 20min - 642 - NZ’s Economy in 2027: Is the Recovery Finally Coming? Ft. Jarrod Kerr | Episode 545
Could 2027 finally be the year New Zealand’s economy turns a corner?
Kiwibank Chief Economist Jarrod Kerr joins us to unpack the outlook for growth, inflation and interest rates, what could happen to the property market, the economic impact of the election, and why infrastructure investment could be critical to getting New Zealand moving again.
Next Steps:Want to make sure your finances are positioned for whatever 2027 brings? Get in touch with the Lighthouse team to build a strategy around your property, investments, mortgage and wider financial goals.
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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.
Sat, 03 Oct 2026 - 37min - 641 - Kiwis Are Changing How They Invest: Here’s Why Ft. Oliver Mander | Episode 544
The way Kiwis invest their money is changing.
We sit down with Oliver Mander, Chief Executive of the New Zealand Shareholders Association, to unpack the shift from direct shares towards funds, KiwiSaver and overseas markets, the rise of DIY investing, and whether Kiwis are making the right decisions with their money.
Next Steps: Want to take your investing knowledge a step further? Join us at the NZSA Conference in Wellingtonon the 22nd and 23rd of October - use code Lighthouse30 for 30% off your ticket.
If you’re investing but aren’t sure whether your portfolio actually aligns with where you want to go, speak with the Lighthouse Wealth team about building an investment plan around your goals.
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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.
Thu, 01 Oct 2026 - 26min - 640 - Bought at the 2021 Peak? Here’s What You Can Do Next | Episode 543
Bought in 2021 and feel stuck? You might have more options than you think.
We break down what it takes to move on from a property bought near the market peak, including buying with less than 20% equity, low-equity lending costs, servicing requirements, getting pre-approved, selling and buying at the same time, and when staying put could make more sense.
Next Steps:Watch our previous episode for more context on navigating your next move in the property market.
Use our mortgage repayment calculator to see what your repayments could look like on your next home.Want to understand your options? Book a quick chat with Mike and the Lighthouse mortgage team.
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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.
Tue, 29 Sep 2026 - 21min - 639 - LIVE WEBINAR: Property Under Pressure, Rising Rates, Political Risk & Weak Growth
Property is under pressure, but the headlines don’t tell the whole story.
Mike Vincent, Adam Farrell, Lighthouse Property Director, and Grant Watson, Senior Buyers Advocate at Rethink Investing, unpack the latest residential and commercial property data, rising interest rates and lending conditions, election uncertainty, and the opportunities they’re seeing for investors across the market.
If you’re considering your next property move and want to understand your lending position or where the opportunities could be, speak with the Lighthouse Mortgages or Property team.
Want to discuss your next commercial property move? Get in touch with Grant and the Rethink Investing team.
Learn more about RethinkInvesting and how they help investors navigate commercial property opportunities.
For more money tips, follow us on: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.
Sun, 27 Sep 2026 - 1h 29min - 638 - NZ Businesses Are Going Broke: Is the Worst Yet to Come? Ft. Brent Norling | Episode 542
New Zealand businesses are still feeling the fallout and the worst may not be over yet.
Brent Norling, Director of Norling Law, joins James and Mike to unpack rising business liquidations, billions in overdue tax debt, the pressure facing construction and hospitality, why businesses are still dealing with the fallout from Covid, and what struggling owners can do before it’s too late.
If your business is under pressure, dealing with unpaid debt or facing insolvency, get in touch with Brent and the team at Norling Law to understand your options early.
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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.
Sat, 26 Sep 2026 - 38min - 637 - How to Retire 10 Years Earlier | Episode 541
What would it actually take to retire 10 years earlier?
In this episode, we break down the three big levers that could get you there - paying off your mortgage faster, getting control of your spending and consistently investing - before running the numbers on what retiring at 55 could actually look like for a Kiwi couple.
Next Steps: Want to know what your own path to financial freedom could look like? Get in touch with our Wealth team to build a plan around your retirement goals.
Check out MoneyHub’s guide and resources on planning for retirement.
Make sure your KiwiSaver is working as hard as you are with our KiwiSaver comparison tool.
Use our mortgage interest calculator to see how much interest you could pay over the life of your loan.
Want to get a better handle on where your money is going? Use our PocketSmith discount code to start tracking your spending and get your budget sorted.
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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.
Thu, 24 Sep 2026 - 23min - 636 - The Risk of Getting a Property Valuation Right Now | Episode 540
A property valuation can open up your options or make your next move a whole lot harder.
In this episode, we unpack when getting a registered valuation makes sense, how falling property values affect usable equity, what to do if a valuation comes in lower than expected, and why having less than a 20% deposit doesn’t necessarily stop you from buying your next home.
Next Steps:If you’re thinking about your next property move and want to understand your equity and borrowing options, speak with our Lighthouse Mortgage team.
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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.
Tue, 22 Sep 2026 - 18min - 635 - NZ Property Market: Forget 7% Property Growth. Is 3% the New Normal? Ft. Nick Goodall | Episode 539
Has New Zealand’s property market finally reset?
Nick Goodall, Head of Research at Cotality, joins James and Mike to unpack what’s changed since the 2021 property boom, from improving mortgage affordability and regional differences to investor returns, economic confidence and what realistic house price growth could look like from here.
Next Steps: Explore Cotality’s latest Pain & Gain Report
Learn more about Cotality and its latest research and insights into the New Zealand property market.
If you’re thinking about buying, investing or making your next move in the property market, get in touch with the Lighthouse Mortgage or Property team to understand your options and build a strategy around where the market is today.
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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.
Sat, 19 Sep 2026 - 41min - 634 - Could Helping Your Kids Ruin Your Retirement? | Episode 538
Helping your kids shouldn’t come at the cost of your retirement.James and Jess unpack the Bank of Mum and Dad, how much support is too much, the difference between giving your kids a head start and funding their lifestyle, and how to work out what you can actually afford to give without compromising your own financial future.
Next Steps: see if you’re on track for retirement with our free Retirement Calculator.
Listen to our previous episodeexploring why family wealth is often lost across generations.
If you want to help your kids without putting your own retirement at risk, get in touch with the Lighthouse Wealth team to build a financial plan around what you can actually afford to give.
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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.
Thu, 17 Sep 2026 - 24min - 633 - Mortgage Application Declined? What to Do When the Bank Says No | Episode 537
A no from the bank doesn’t always mean you can’t borrow.
We break down what happens when a mortgage application is declined, from specialist and second-tier lenders to full doc, alt doc and no doc loans, why some borrowers pay significantly higher interest rates, and the importance of having a clear exit strategy back to a main bank.
Next Steps:If the bank has said no to your mortgage, it doesn’t necessarily mean you’re out of options - get in touch with the Lighthouse mortgage team to talk through your situation and what other lending options could be available.
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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.
Tue, 15 Sep 2026 - 24min - 632 - NZ Economy 2026: Is the Worst Finally Over Ft. Brad Olsen | Episode 536
Is the worst finally behind the New Zealand economy?
Infometrics Principal Economist Brad Olsen joins James and Mike to unpack where the NZ economy really stands, from stubborn inflation and unemployment at an 11-year high to rising interest rates, the OCR, economic growth, the property market and what needs to happen before Kiwis finally start feeling better off.
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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.
Sat, 12 Sep 2026 - 54min - 631 - The 10 Most Critical Years in Retirement ft. Ben Brinkerhoff | Episode 535
Saving enough for retirement is only half the battle - knowing when to spend it could be just as important.
James sits down with Ben Brinkerhoff, Head of Advice at Consilium, to unpack why the first 10 years of retirement matter so much, the psychology that stops retirees spending their wealth, how retirement spending changes with age, preparing for market downturns, and why your 40s and 50s could be some of the most important years for building towards a comfortable retirement.
Read the article:Learn how retirement bucketing can give you permission to spend.
Read the J.P. Morgan study: See how spending changes throughout retirement.
Get in touch with Lighthouse Financial to build a financial plan designed around your goals and future.
Learn more about Consilium
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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.
Thu, 10 Sep 2026 - 43min - 630 - National Expands 5% Deposits for First Home Buyers: Does It Stack Up? | Episode 534
A 5% deposit could get thousands more Kiwis into their first home - but is it really as good as it sounds?
James and Mike unpack National’s proposed changes to the First Home Loan scheme, including the new $300,000 income threshold, what buying with just 5% actually looks like, the risks of taking on more debt, and whether bringing more first-home buyers into the market could ultimately push property prices higher.
Next Steps:
Buying your first home? Download our free First Home Buyers Guide to help you get started.
Ready to take the next step? Get in touch with the Lighthouse Mortgages team to understand your options.
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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.
Tue, 08 Sep 2026 - 24min - 629 - OCR Hike: The 5 Factors Driving Mortgage Rates | Episode 533
The OCR is up but that doesn’t tell you the whole story about where mortgage rates are heading.
James and Mike break down what actually determines your interest rate, unpacking the OCR, swap rates, wholesale funding, customer deposits and bank competition, before looking at what rising rates could mean for borrowers and the property market.
Next Steps:Want to understand what rising rates could mean for your mortgage? Speak to Mike and the Lighthouse Mortgages team about your options.
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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.
Sat, 05 Sep 2026 - 18min - 628 - The Next Economic Shock: What’s Your Plan? | Episode 532
Another economic shock is coming. Is your money ready for it?
James and Mike break down the financial fundamentals that can help you weather whatever comes next, from setting clear goals and building an emergency fund to managing your budget, investing consistently and taking action instead of waiting for the perfect time.
Next Steps:Help your team feel more confident with money - check out our Financial Literacy Workshops for the workplace.
Want to build your financial buffer? Watch our full episode on how to build an emergency fund.
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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.
Thu, 03 Sep 2026 - 20min - 627 - New Build Townhouses: Why They Lost 40% in Value | Part 2
Owning the wrong property is one thing. Working out what to do next is the hard part.
In Part 2, James, Mike and Adam break down the options for investors stuck with an underperforming townhouse, including whether to hold or crystallise the loss, how to assess the ongoing cashflow, when selling and reinvesting could make sense, and why buying another property could actually improve your position.
Missed Part 1? Watch it here
Download our free Property Investor Guide to learn the fundamentals of choosing a quality investment property.
Register for our upcoming property webinarto learn what to look for, what to avoid, and where the market is at right now.
Thinking about buying a new build? Speak to theLighthouse Property team to understand what makes a quality investment and avoid costly mistakes.
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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.
Tue, 01 Sep 2026 - 23min - 626 - New Build Townhouses: Why They Lost 40% in Value | Episode 530
Not all new-build townhouses are created equal.
In this episode, Adam Farrell, Property Director at Lighthouse Financial, joins us to unpack real examples of townhouses that have lost hundreds of thousands in value and break down what went wrong, from oversupply and poor locations to impractical layouts, lack of parking and large developments plus the fundamentals buyers should look for when choosing a new build.
Next Steps:Thinking about buying a new build? Speak to the Lighthouse Property team to understand what makes a quality property and avoid the mistakes that can cost you down the track.
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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.
Sat, 29 Aug 2026 - 14min - 625 - The Best and Worst Property Titles: What Buyers Need to Know | Episode 529
Not all property titles are created equal.We break down freehold, cross-lease, unit, and leasehold titles, including what each means for buyers, the potential lending and renovation implications, and the key things you should check before making an offer on a property.Next steps:Found a property you’re interested in? Get in touch with the Lighthouse Mortgage team to understand your lending options and what you need to check before making an offer.
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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.
Thu, 27 Aug 2026 - 19min - 624 - National Promises No New Taxes: Can NZ Afford It? Ft. Matt Harris | Episode 528
National says no new taxes, but can New Zealand actually afford that promise?
James, Mike and Matt unpack National’s “No New Taxes” pledge, how the Government could return to surplus without raising new taxes, the debate over spending and economic growth, and how it stacks up against Labour’s capital gains tax and other tax proposals.
Watch our episode breaking down Labour’s tax policyNext Steps:Not sure how changing tax policy could affect you, your property or your business? Get in touch with the Lighthouse Accounting team to understand what it could mean for your financial position.
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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.
Tue, 25 Aug 2026 - 23min - 623 - The Best & Worst KiwiSaver Funds in 2026 Revealed | Episode 527
Some KiwiSaver funds are smashing it. Others are leaving investors wondering what they’re paying for.
In this episode, we reveal the top-performing KiwiSaver funds across balanced, growth and aggressive categories, unpack the impact of fees on long-term returns, and explain what you should actually look at when deciding whether your KiwiSaver provider and fund are right for you.
Next steps: Compare your KiwiSaver: Use our free KiwiSaver calculator to see how your fund’s performance and fees stack up.
Book a KiwiSaver review: Get a personalised KiwiSaver recommendation from our team.
Missed Part One? Watch our previous episode where we break down how to structure your investments in retirement.
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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.
Sat, 22 Aug 2026 - 16min - 622 - Labour’s Proposed Tax Plan: Could This Save Small Business? Ft Matt Harris | Episode 526
Could Labour’s latest tax proposals give small business the break it needs?James, Mike and Matt unpack Labour’s proposed changes to payment terms, the asset write-off threshold and GST registration, what they could mean for New Zealand’s small-business sector, and the tax changes Matt believes could help get businesses and the wider economy moving again.Next steps:Running a business and want to make sure your tax structure is working for you? Get in touch with the team at Lighthouse Accounting
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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.
Thu, 20 Aug 2026 - 26min - 621 - 1 Million Downloads Special: Our Personal Wealth Journey Part 2
From corporate careers to property investing, this is where things really started to change.
In Part 2 of Mike and James' personal wealth journey, they unpack leaving corporate banking, taking the leap into Lighthouse, building their careers and wealth, investing in property, the financial decisions they wish they'd made earlier, and what success looks like today.
Missed Part 1? Watch it here.
Looking for personalised financial advice? Learn how Lighthouse Financial can help you make confident decisions with your money.
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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.
Tue, 18 Aug 2026 - 32min - 620 - Buying Your First Home? 3 Ways Your Parents Can Help | Episode 524
Your parents don’t need a pile of cash to help you buy your first home.
James and Mike break down three ways parents can help first home buyers in NZ get onto the property ladder, from a gifted deposit or family loan to using parents’ equity, plus the lending requirements and risks to consider when buying your first home.
Next steps:Looking to buy your first home but not sure how to pull together your deposit? Speak to the Lighthouse mortgageteam to understand your options and how family support could help you get there sooner.
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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.
Sun, 16 Aug 2026 - 21min - 619 - How to Avoid Going Broke in Retirement | Episode 523
Retirement is when you finally get to spend your money - but how do you make sure you don’t run out?
James and Mike break down withdrawal rates, sequencing risk, market downturns, cash buffers and how to structure your investments so you can enjoy retirement without eating through your capital too quickly.
Missed Part One?Before you start spending your retirement savings, you need to know how to invest them. Watch our previous episode where we break down how to structure your investments in retirement.
Next steps: If you’re approaching retirement and aren’t sure whether your investments are set up to provide the income you need, talk to our wealth team about building a retirement strategy that balances spending today with protecting your money for the years ahead.
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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.
Thu, 13 Aug 2026 - 17min - 618 - Building an Emergency Fund in a Cost of Living Crisis | Episode 522
Building an emergency fund is hard when everyday life already costs so much.
James and Mike break down how to build your first $1,000 emergency fund, where to find extra money in your budget, whether to save or pay down debt first, how much you should ultimately have set aside, and where your emergency savings should actually live.
Next Steps: Want to get a better handle on where your money is going? Comment BUDGET and we’ll send you the template we use to help our clients map out their expenses, set realistic goals and start building their emergency fund.
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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.
Tue, 11 Aug 2026 - 16min - 617 - The Future of New Zealand: Sam Stubbs' Plan to Make NZ Wealthier | Part 2
What would it actually take to make New Zealand wealthier?
Sam Stubbs, Co-Founder and Managing Director of Simplicity, shares his blueprint for New Zealand’s future, exploring tax reform, inequality, KiwiSaver, domestic investment, AI, infrastructure and why saving and investing more could be the key to building a wealthier country for generations to come.
Next steps:
Explore Simplicity's approach to KiwiSaver, investing and long-term wealth creation.
Looking for personalised financial advice? Learn how Lighthouse Financial can help you make confident decisions with your money.
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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.
Sun, 09 Aug 2026 - 24min - 616 - The Future of New Zealand: Why Sam Stubbs Is So Optimistic | Part 1
The future isn't as bleak as you think.
Sam Stubbs explains why he believes New Zealand is on the verge of one of its greatest economic opportunities, exploring the future of KiwiSaver, entrepreneurship, capital investment, infrastructure, productivity, wealth creation, and why the next generation of Kiwis could be better positioned than ever before.
Next steps:Learn more about InfraKiwiand its vision to help build New Zealand's future.
Explore Simplicity's approach to KiwiSaver, investing and long-term wealth creation.
Looking for personalised financial advice? Learn how the Lighthouse team can help you build your own financial future.
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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.
Thu, 06 Aug 2026 - 27min - 615 - How to Build Wealth for Retirement: 5 Investing Rules Everyone Should Know | Episode 519
Most investing advice is either too complicated or focused on chasing the next big thing.
In this episode, James Blair and Michael Vincent break down the five investing principles they believe every Kiwi should know. So whether you're retiring in one year, five years or twenty years, these five golden rules will help you make the most of your retirement savings so you can build lasting wealth and enjoy the retirement you've worked so hard for. They cover why trying to time the market rarely works, why diversification beats prediction, how high fees quietly eat away at your returns, why staying in cash can cost you more than market volatility, and how to choose a financial adviser who puts your interests first.
Next steps: If you're approaching retirement or want confidence that your investment strategy is built for the long term, get in touch with the Lighthouse Financial Wealth team.
We've also created a free guide that expands on everything we discuss in this episode, including the graphs and research behind each investing principle. Read more now
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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.
Tue, 04 Aug 2026 - 31min - 614 - NZ's Inflation Crisis: Why Getting Ahead Feels Harder Than Ever | Episode 518
Why does it feel like you're working harder but getting nowhere?
From rising living costs and inflation to mortgage strategies, KiwiSaver, emergency funds and practical ways to build financial resilience, James and Mike break down why so many Kiwis are feeling the squeeze and the steps you can take to strengthen your finances in today's economy.
Next steps:Feeling the pressure of rising costs? Speak to the Lighthouse Financial teamfor personalised advice on your mortgage, KiwiSaver, investments and cash flow.
Can't Refinance Your Mortgage? Watch This Episode
Learn More About Balance TransfersHere
Review Your InsurancesHere
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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.
Sun, 02 Aug 2026 - 25min - 613 - 1 Million Downloads Special: Our Personal Wealth Journey Part 1
Before the wealth came the mistakes, side hustles, setbacks and plenty of hard lessons.
To celebrate one million podcast downloads, James and Mike share the personal stories they've never told before - from their childhood relationships with money and first jobs to dropping out of university, building careers in banking, early investing lessons and the work ethic that shaped their financial journeys.
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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.
Thu, 30 Jul 2026 - 31min - 612 - Is War Funding Your Retirement? Ft. Lily Richards | Episode 516
Could your KiwiSaver be investing in something you don't agree with?
Around $900 million of KiwiSaver money is now invested in weapons-related companies. James and Mike sit down with Lily Richards, Chief Marketing and Client Officer at Pathfinder KiwiSaver Plan to explore ethical investing, how to check what's inside your KiwiSaver, whether responsible investing impacts returns, and why understanding where your retirement savings are invested could be just as important as how much they earn.
Next Steps:
Learn more about Pathfinder
Check out the Mindful Money website
Create Your Own: Mini Ethical Investment Policy
Want to make sure your KiwiSaver matches both your financial goals and your personal values? Speak with the Lighthouse Wealth team for a KiwiSaver review and find the fund that's right for you.
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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.
Tue, 28 Jul 2026 - 40min - 611 - How to Know It's Time to Sell an Investment | Episode 515
Selling because you're nervous can be one of the most expensive investment decisions you make.
When should you actually sell an investment? James and Mike break down the difference between emotional reactions and smart financial decisions, covering market crashes, changing life goals, underperforming investments, investment fees, diversification, inherited assets, and the key signs it's time to review your portfolio.
Next Steps: Not sure whether your investments still align with your goals? Speak with the Lighthouse Wealth team for a discovery call today.
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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.
Sun, 26 Jul 2026 - 18min - 610 - Should We Want House Prices To Double Every 10 Years? | Episode 514
The property market isn't broken... but expectations might be.
Should New Zealand expect house prices to keep doubling every 10 years? James and Mike unpack the key drivers behind long-term property growth, including migration, interest rates, inflation, wages, affordability, and whether endless house price growth is actually good for the country's future.
Next steps: If you're wondering what today's property market means for your own plans, whether you're buying your first home, investing, or reviewing your mortgage, get in touch with the Lighthouse Property and Mortgage teamtoday.
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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.
Thu, 23 Jul 2026 - 14min - 609 - Inflation Hits 4.1% Is the Worst Still to Come? | Episode 513
Inflation is back above 4%... but is the worst still to come?
James and Mike break down New Zealand's latest 4.1% inflation result, why petrol prices are driving almost all of the increase, whether higher interest rates are actually the right solution, what it means for mortgages, businesses and household budgets, and where they believe the economy is heading over the next 12 months.
Next steps: Need help navigating rising interest rates? Speak with the Lighthouse Mortgage team today.
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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.
Tue, 21 Jul 2026 - 13min - 608 - Want to Build a Home? Watch This Before You Talk to the Bank | Episode 512
Building your dream home? Don't talk to the bank until you've watched this.
From construction loans and stage payments to hidden building costs, budget blowouts, fixed-price contracts, and choosing the right builder, we break down everything you need to know before building a home. We also uncover the common mistakes that can quickly turn your dream build into an expensive headache.
Next Steps: Thinking about building, buying, or refinancing? Get in touch with the Lighthouse Mortgages team for personalised advice before you make your next move.
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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.
Sun, 19 Jul 2026 - 21min - 607 - Can't Refinance Your Mortgage? Here's What To Do Instead | Episode 511
Think you're stuck with your mortgage? You might have more options than you realise.
In this episode, Mike and James break down what to do if you can't refinance your mortgage, including how to negotiate with your current bank, when breaking a fixed rate makes sense, cash retention payments, low equity traps, and the simple strategies that could save you thousands without switching lenders.
Next Steps: If you're unsure whether you can refinance or simply want to know if you're getting the best deal the Lighthouse mortgage team can review your options and help you build a strategy that works for your situation.
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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.
Thu, 16 Jul 2026 - 12min - 606 - Property Market Insights: What Smart Investors Are Watching Right Now | Episode 510
The headlines are noisy, but the data tells a very different story.
In this episode, Mike and Adam break down the property market indicators they're watching most closely, including construction activity, building costs, auction clearance rates, GDP, long-term price trends, and why Christchurch continues to stand out as one of New Zealand's strongest investment markets.
Next Steps:Thinking about buying your next property or wondering what these market shifts mean? Speak to the Lighthouse Property team today to explore your options.
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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.
Tue, 14 Jul 2026 - 20min - 605 - From Debt to Financial Freedom on a Single Income | Inside a Financial Plan Ep 2
A simple financial plan can change everything.
In episode two of Inside a Financial Plan, James walks Julia through her personalised financial roadmap, explaining why building an emergency fund comes before paying off debt and why he's recommending a switch to her KiwiSaver fund. Together, they map out a step-by-step plan to become mortgage-free sooner and build more than $2 million in retirement investments while raising her daughter on a single income.
Next Steps:Ready to build your own financial plan? Get in touch with James and the Lighthouse Wealth team to create a personalised roadmap tailored to your goals and financial situation.
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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.
Sun, 12 Jul 2026 - 29min - 604 - The First OCR Hike in 3 Years: What It Means for Your Mortgage | Episode 508
Wondering what the latest OCR hike means for your mortgage? Here's what homeowners need to know.
Mike Vincent and Jess Hargreaves break down why the OCR hike wasn't a surprise, how banks have already reacted, where mortgage rates are likely to head next, and what homeowners should consider when fixing, refinancing, or reviewing their mortgage.
Next Steps:If your mortgage is coming up for review or you're simply unsure what this OCR announcement means for your situation get in touch with the Lighthouse Mortgages team. They'll compare lenders, review your loan structure, and help you find the best option for your goals.
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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.
Thu, 09 Jul 2026 - 16min - 603 - Building Wealth on a Single Income: Inside a Financial Plan | Episode 1
A single income doesn't have to mean putting your financial goals on hold.
In this episode of Inside a Financial Plan, we meet Julia, a single mum rebuilding her finances after divorce. James works through her goals, debt, budgeting, KiwiSaver, retirement planning, emergency fund, mortgage strategy and the personalised roadmap to help her build long-term wealth.
Next Steps: If you'd like your own personalised financial plan, the Lighthouse Wealth team can help you create a strategy tailored to your goals, income and future.
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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.
Wed, 08 Jul 2026 - 55min - 602 - Live Webinar: How Property Investors Can Reduce Their Tax Bill | Episode 506
Many property investors are paying more tax than they need to.
Matt Harris and Mike Vincent explain how debt structuring, ownership structures, lending strategies and tax planning can reduce unnecessary tax, improve cash flow, and help investors make the most of today's property market.
Next Steps:Whether you need advice on property structures, trusts and tax planning, or you'd like to review your lending and mortgage strategy, the Lighthouse Accounting and Mortgage teams are here to help.
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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.
Sun, 05 Jul 2026 - 1h 13min - 601 - How We Bought Our First Home With Just 5% Deposit | Episode 505
They thought they weren’t ready to buy a home - until one conversation changed everything.
In this episode, we follow Harsh and Hiral's first home buying journey, from budgeting struggles and saving a 5% deposit to navigating pre-approvals, real estate agents, failed offers, due diligence, KiwiSaver withdrawals, and ultimately securing their first home in Auckland.
Next Steps: Thinking about buying your first home but not sure where to start? Speak to the Lighthouse Mortgages team today and get a clear plan to understand your borrowing power, budget, and next steps.
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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.
Thu, 02 Jul 2026 - 43min - 600 - Auckland Is Broken: Can Wayne Brown Fix It? | Episode 504
Is Wayne Brown's plan enough to turn Auckland around?
James and Mike react to Wayne Brown's five-point plan for Auckland, discussing transport, rates, council spending, housing, infrastructure, economic growth, and whether the mayor can actually deliver meaningful change for the city's future.
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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.
Tue, 30 Jun 2026 - 15min - 599 - NZ Debt Is Rising: Why Kiwis Can't Quit Afterpay | Episode 503
That $75 payment might be costing you more than you think.
In this episode, James and Mike unpack the rapid rise of Afterpay and buy now, pay later services, why nearly 100,000 Kiwis are behind on repayments, how short-term debt spirals out of control, the impact on budgeting and mortgage applications, and what to do if you're already stuck in the debt cycle.
Next Steps:If debt, cashflow, or budgeting is becoming a source of stress, our team can help you create a plan to regain control and build a stronger financial future. Speak To Out Budgeting and Cashflow team today.
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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.
Sun, 28 Jun 2026 - 11min - 598 - National's KiwiSaver Changes: Good or Bad for Your Retirement? | Episode 502
Could these be the biggest KiwiSaver changes since the scheme began?
James and Mike break down the National Party's proposed KiwiSaver reforms, including compulsory contributions, higher employer contributions, a $1,500 KiwiSaver kickstart for newborns, parental leave support, over-65 contributions, and whether these changes could improve retirement outcomes and help New Zealand close the wealth gap with Australia.
Next steps:If you're unsure whether your KiwiSaver is on track for retirement, get in touch with the Lighthouse KiwiSaver team for a personalised review.
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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.
Wed, 24 Jun 2026 - 13min - 597 - The Real Cost of Homeownership in New Zealand | Episode 501
Owning a home is expensive, but it's often the hidden costs that hurt the most.
In this episode, James and Mike break down the true cost of homeownership in New Zealand, exploring rising rates, insurance premiums, water charges, maintenance costs, property repairs, and why many homeowners underestimate the ongoing expenses that come with owning a property.
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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.
Tue, 23 Jun 2026 - 15min - 596 - KiwiSaver Balance By Age: Are You On Track For Retirement? | Episode 500
Are you on track for retirement, or falling behind?
In this episode, James and Mike break down the latest KiwiSaver balances by age, discuss why the average retirement balance may not be enough, explore the growing KiwiSaver gender gap, compare top and bottom-performing funds, and explain the key decisions that could add hundreds of thousands of dollars to your retirement savings.
Next Steps: Want to know if your KiwiSaver is working hard enough for you? Book a free KiwiSaver review with the Lighthouse Financial team today.
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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.
Sun, 21 Jun 2026 - 11min - 595 - Is The NZ Economy Broken? Rising Business Liquidations Explained | Episode 499
NZ businesses are folding at the fastest rate in 15 years.
In this episode, James and Mike unpack why more than 3,000 New Zealand companies have entered liquidation, which industries are being hit hardest, whether government policy is helping or hurting businesses, and what needs to change to get the NZ economy moving again.
Next Steps:If you're a business owner feeling the pressure, speak with the Lighthouse Financial team about cash flow, tax planning, business structure, and strategies to navigate a tougher economic environment.
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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.
Thu, 18 Jun 2026 - 19min - 594 - What The Panama Papers Exposed About NZ Trusts Ft. Matt Harris | Episode 498
The world's biggest financial leak changed New Zealand trust law forever.
In this episode, James, Mike and Matt unpack the Panama Papers, explain how New Zealand became linked to foreign trusts, shell companies and tax transparency concerns, explore the reforms that followed, and discuss how trusts are used today for asset protection, estate planning and wealth management.
Next Steps: If you'd like advice on trusts, asset protection or estate planning, get in touch with theLighthouse Accounting team to see whether the right structure could help protect your wealth.
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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.
Tue, 16 Jun 2026 - 24min - 593 - The Right Property For Every Type of Investor Ft. Adam Farrell | Episode 497
Not every property is right for every investor.
In this episode, James and Lighthouse Property Director Adam Farrell break down which property types suit different investors, from townhouses and standalone homes to renovations, multi-unit properties and commercial real estate, while exploring risk, cash flow, capital growth, retirement planning, and when property may not be the right investment at all.
Next Steps: Thinking about your next property purchase? Speak with theLighthouse Property team to build an investment strategy that matches your goals, risk profile, and long-term financial plan.
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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.
Sun, 14 Jun 2026 - 13min - 592 - Can ChatGPT Replace Your Mortgage Broker? | Episode 496
Don't mistake information for advice.
In this episode, James and Mike discuss whether ChatGPT can replace a mortgage broker, unpack a real-life example where AI mortgage advice conflicted with professional advice, explore the difference between information and personalised advice, and explain where AI can help and where it can get things wrong.
Next steps: Need help making the right mortgage decision? Speak with the Lighthouse Mortgages team for personalised advice tailored to your goals, not generic answers from the internet.
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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.
Thu, 11 Jun 2026 - 11min - 591 - 6 Mistakes Stopping You From Buying an Investment Property ft. Ilse Wolfe | Episode 495
Most people don't miss out on their first investment property because of the market - they miss out because they're focused on the wrong things.
In this episode, Mike and Jess sit down with Ilse Wolfe, Director of Wolfe Property, to unpack the six biggest mistakes holding Kiwis back from their first investment property, including affordability, equity, financial foundations, timing, expectations, and choosing the right location to build long-term wealth.
Next Steps:Thinking about your first investment property? The Lighthouse Financial team can help you understand your borrowing power, structure your finances, and create a plan to build long-term wealth with confidence.
Learn more about Wolfe Propertyhere
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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.
Tue, 09 Jun 2026 - 28min - 590 - Trades vs Degrees: Which Builds More Wealth? | Episode 494
The degree debate is changing.
In this episode, James and Mike break down the real numbers behind trades versus degrees, comparing income, student debt, house deposits, KiwiSaver balances, graduate job opportunities, the impact of AI on future careers, and whether university is still the best path to building long-term wealth.
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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.
Sun, 07 Jun 2026 - 12min - 589 - A Thriving Business In A Tough Economy: How Did They Do It? | Episode 492
Most businesses are feeling the pressure but some are still finding ways to grow.
In this episode, James and Jess sit down with Cruze and Pearl, founders of One & Only, to discuss building a business from scratch, taking calculated risks, relocating from Wellington to Auckland, growing through relationships and referrals, balancing business and personal wealth, and the lessons they've learned scaling a business through challenging economic conditions.
Interested in working with One & Only? Connect with Cruze and Pearlhere
Next Steps: If you're looking to align your business success with your personal wealth goals, get in touch with the Lighthouse Wealth team to build a financial plan tailored to your future.
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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.
Thu, 04 Jun 2026 - 28min - 588 - Are New Build Townhouses Dead? Ft. Adam Farrell | Episode 492
Not all townhouses are created equal.
In this episode, James and Lighthouse Property Director Adam Farrell break down the oversupply of new build townhouses, what separates a quality development from a dud, how supply and demand influence property values, why rental yields and developer quality matter, and whether high-density housing is an unavoidable part of New Zealand's future.
Next Steps: Thinking about investing in property? Speak to the Lighthouse Property team about finding investment opportunities that align with your goals, cashflow, and long-term strategy.
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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.
Tue, 02 Jun 2026 - 19min - 587 - NZ Budget 2026: Did The Government Get It Right? | Episode 491
The Budget is out but will it actually make Kiwis better off?
In this episode, James and Matt break down NZ Budget 2026, discussing the biggest winners and losers, infrastructure spending, health investment, fuel price relief, banking levies, FIF tax changes, business challenges, and whether the Government's plan to return to surplus will help or hinder New Zealand's economic recovery.
Next Steps: Want to make smarter financial decisions in a changing economic environment? Whether it's your investments, property portfolio, mortgage structure, tax position, or long-term financial plan, Lighthouse Financial can help. Get in touch with our team today.
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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.
Sun, 31 May 2026 - 17min - 586 - The Infrastructure Problem Holding NZ Back | Episode 490
Is new infrastructure the answer to NZ’s problems?What if New Zealand’s biggest economic problem isn’t interest rates or housing… but infrastructure?
In this episode, James and Mike break down why Christchurch has become one of New Zealand’s most liveable and resilient cities, what Auckland and Wellington can learn from its rebuild, whether better infrastructure could improve productivity and economic growth, and why throwing billions at projects doesn’t automatically fix a country’s problems.
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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.
Thu, 28 May 2026 - 12min - 585 - Forward Fixing: How To Lock In Your Interest Rate Early | Episode 489
In this episode, we break down what forward fixing actually is, how rate locks work, what rising interest rates could mean for borrowers in 2026, and the key mistakes to avoid when locking in your next mortgage rate.
Next steps: Speak to the Lighthouse Mortgages teamabout whether forward fixing or restructuring your lending could make sense before rates move again.
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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.
Tue, 26 May 2026 - 07min - 584 - Australia’s Capital Gains Tax Changes: Is NZ Next? | Episode 488
Australia’s tax overhaul could become New Zealand’s opportunity.
In this episode, we break down Australia’s major property and capital gains tax changes, what ring-fencing and reduced CGT concessions mean for investors and business owners, why some believe these policies punish aspiration, and whether New Zealand could benefit from an influx of capital, businesses, and entrepreneurs across the Tasman.
Next Steps:If you want to structure your investments, business, or property portfolio more effectively in a changing tax environment, get in touch with the Lighthouse Accounting team today.
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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.
Sun, 24 May 2026 - 20min - 583 - National Debt Crisis: Is NZ Broke? | Episode 487
New Zealand’s debt is exploding… but is it actually a problem?
With Budget 2026 around the corner, we break down New Zealand’s $182 billion debt position, whether the country should be worried about rising interest costs, how our debt compares globally, and why borrowing isn’t always a bad thing. James and Mike debate whether the Government is too focused on cutting costs instead of growing the economy, the risks around productivity and public sector cuts, and whether debt used for infrastructure, healthcare, and long-term growth could actually make New Zealand wealthier over time.
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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.
Thu, 21 May 2026 - 23min - 582 - Australia's Tax Crisis: New Zealand's Golden Opportunity | Episode 486
Australia just changed the game on tax and New Zealand might be the biggest winner.
In this episode, we break down Australia’s new capital gains tax changes, why business owners and startups could start looking at New Zealand differently, the impact on entrepreneurs, tech companies and investment, the opportunity for New Zealand’s economy to attract talent and capital, how tax policy shapes productivity and growth, and why this could become one of New Zealand’s biggest economic opportunities in years.
Next Steps:If you own Australian property or you’re considering investing across the Tasman, now’s the time to understand what these tax changes could mean for your portfolio. Speak to Lighthouse Accounting today.
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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.
Tue, 19 May 2026 - 21min - 581 - Why You’re Underprepared For Retirement | Episode 485
Most Kiwis are heading towards retirement with far less than they think they need. The difference between struggling in retirement and living comfortably often comes down to just a few KiwiSaver decisions.
In this episode, we break down the real factors that can dramatically change your retirement outcome, including KiwiSaver fund selection, contribution rates, provider performance, NZ Super concerns, the risks of switching funds at the wrong time, why most Kiwis are underprepared for retirement, and how consistent long-term investing could mean the difference between retiring with a few hundred thousand dollars or several million.
Next Steps:If you’re unsure whether your KiwiSaver is actually set up to support the retirement you want, speak with the Lighthouse KiwiSaver team today for a free KiwiSaver review.
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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.
Sun, 17 May 2026 - 16min - 580 - Rich vs Wealthy in 2026: Why High Income Isn’t Enough Anymore | Episode 484
More money doesn’t always mean more freedom.In this episode, we break down the difference between being rich and actually building wealth in 2026, including lifestyle inflation, social media pressure, budgeting, debt, delayed gratification, investment properties, shares, multiple income streams, raising financially capable children, and why many high-income households still feel financially stressed despite earning more than ever.Next Steps: If you’re earning good money but still feel like you’re not getting ahead, now’s probably the time to review your structure, cashflow, and long-term plan. Reach out to the Lighthouse Wealth team if you’d like help building a strategy focused on creating actual wealth, not just maintaining a lifestyle.
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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.
Thu, 14 May 2026 - 10min - 579 - The Problem With Owning Too Much Property | Episode 483
You can own millions in property and still feel financially trapped.
In this episode, we break down why bigger property portfolios don’t always create financial freedom, including the risks of being equity rich but cashflow poor, why many investors struggle to retire despite large portfolios, the difference between growth and income-focused investing, restructuring strategies, commercial property, diversification, debt pressure, and why understanding your “why” matters more than simply accumulating more assets.
Next Steps:If you’re building wealth through property but unsure how your portfolio actually supports your long-term lifestyle, retirement, or cashflow goals, Lighthouse Wealth can help you create a strategy that works beyond just capital growth.
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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.
Tue, 12 May 2026 - 20min - 578 - The Harsh Reality of Renting in Retirement | Episode 482
Retirement is changing fast and owning a home no longer guarantees financial security.
In this episode, we break down the growing reality of retiring without a home, why more Kiwis are becoming asset rich but cash poor, the risks of long-term renting in retirement, reverse mortgages, downsizing traps, build-to-rent developments, and the financial decisions people are now making to maintain lifestyle and flexibility later in life.
Next Steps:Want to understand whether your current retirement setup is actually sustainable? Get in touch with the Lighthouse Wealth team to build a personalised retirement and cashflow plan.
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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.
Sun, 10 May 2026 - 14min - 577 - Will Interest Rates Rise Again? How To Prepare Your Mortgage Now | Episode 481
Interest rates could be heading back up and most mortgage holders aren’t ready for it.
In this episode, we break down why rate rises may not be over yet, how inflation, oil prices, and Reserve Bank decisions impact your mortgage, plus the practical steps borrowers can take now to reduce risk, lock in certainty, and avoid getting caught rolling onto higher rates later this year.
Next Steps: If your fixed rate is rolling off soon and you want to understand your options before rates potentially move higher, get in touch with the Lighthouse mortgage team.
Register for our upcoming webinar now: 'Reduce Your Tax Bill in 2026: Optimise Your Property Structure' now.
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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.
Thu, 07 May 2026 - 13min - 576 - Upgrade Your Home or Buy an Investment Property? | Episode 480
Upgrading your home feels right… but it might be costing you hundreds of thousands in the long run.
In this episode, we break down the real wealth trade-off between owner-occupied homes and investment properties, including how equity is used to invest, the impact of debt and cashflow, rental income vs no income assets, and a real scenario showing how holding your home and buying an investment property could leave you ~$670K better off over time.
Next Steps:If you want to map out whether upgrading or investing actually puts you in a stronger financial position, our team at Lighthouse can build a plan around your numbers and goals.
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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.
Tue, 05 May 2026 - 11min - 575 - SpaceX IPO Explained: Should You Buy the Biggest IPO Ever? | Episode 479
The biggest IPO in history is coming… but is it a once-in-a-generation opportunity or a massive trap?
In this episode, we break down the potential SpaceX IPO, covering what an IPO actually is, the eye-watering $1.75-$2 trillion valuation, lack of profitability, concerns around no lock-up periods, exit liquidity risks, and why hype-driven investing could leave retail investors holding the bag.Next Steps: Want to build a portfolio that doesn’t rely on hype? Get in touch with Lighthouse Financial to create a strategy grounded in long-term fundamentals.
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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.
Sun, 03 May 2026 - 18min - 574 - What the Oil Crisis Means for Your Portfolio: Q1 Investment Update | Episode 478
Markets held up better than expected but the story underneath is where it gets interesting.
In this quarterly update, we break down how the Middle East oil shock impacted global markets, why NZ equities underperformed, where money is rotating (value, infrastructure, emerging markets), and what it all means for your portfolio heading into the next quarter.
Next steps: If you want a portfolio built to handle volatility like this, speak to the Lighthouse Wealth team about structuring your investments for the long term.
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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.
Thu, 30 Apr 2026 - 13min - 573 - $9.3 Billion Tax Bill: Why NZ Businesses Are Struggling | Episode 477
New Zealand’s $9.3 billion tax bill reveals how tax arrears, rising costs, and cashflow pressure are impacting businesses nationwide.
In this episode, we break down how tax paid in arrears, rising costs, post-COVID pressure, and compounding penalties have pushed businesses into debt, why IRD is cracking down harder than ever, and what it means for the wider economy.
Next steps:If you’re behind on tax or want to avoid it snowballing, speak to the Lighthouse team to structure a plan, reduce penalties, and get back in control early.
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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.
Tue, 28 Apr 2026 - 16min - 572 - From First Home to Forever Home: How to Upgrade Property in NZ | Episode 476
Upgrading your home isn’t about buying bigger - it’s about making the numbers work.
In this episode, we break down how to actually move into your “forever home” - from using equity and navigating bridging finance to timing your sale, getting pre-approval, and avoiding the common mistakes that can set you back years.
Next Steps:If you’re thinking about upgrading, the smartest next step is getting clarity on your numbers - get in touch with Lighthouse Mortgages to map out exactly what’s possible for you.
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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.
Sun, 26 Apr 2026 - 13min - 571 - Why New Zealand’s Economy Is Falling Behind (And How to Fix It) Ft. Luke Kemeys & Simon Rolland | Episode 475
New Zealand isn’t broken but the way we think about money, risk, and business might be.
In this episode, we sit down with Luke Kemeys and Simon Rolland to unpack New Zealand’s productivity problem - from risk-averse mindsets and property obsession to aging business owners, talent leaving overseas, and what actually needs to change to build a stronger economy.
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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.
Thu, 23 Apr 2026 - 50min - 570 - The $3,800% Return: Pokémon Cards vs S&P 500 | Episode 474
Pokémon cards beat the market… but that doesn’t mean they should be your strategy.
In this episode, we break down the eye-watering 3,800% return of Pokémon cards versus the S&P 500, unpack how alternative assets like collectibles, wine, and luxury goods actually gain value, and explain the real risks - from speculation and hype cycles to lack of cashflow, valuation challenges, and why most investors are better off sticking to proven wealth-building fundamentals.
Next Steps: If you want a clear plan that balances investing, property, debt, and long-term wealth, the Lighthouse team can help you structure it properly.
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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.
Tue, 21 Apr 2026 - 10min - 569 - Why 30% of Couples Break Up After Buying a House | Episode 473
Buying a home together might be the dream but for many couples, it’s where things start to fall apart.
In this episode, we unpack Charlie Munger’s “ladies, liquor, and leverage” rule, diving into how property debt, rising interest rates, and financial pressure are driving relationship breakdowns, the risks of going all-in on leverage, and what happens legally and financially when couples split after buying a home.
Next steps: Thinking about getting on the property ladder? Talk to theLighthouse Mortgages teamtoday and make sure you’re set up the right way from the start.
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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.
Sun, 19 Apr 2026 - 08min - 568 - Why 8/10 People Should Sell Their First Home | Episode 472
Most first homes don’t make good investment properties but people keep holding them anyway.
In this episode, we break down why so many Kiwis become “accidental property investors,” covering low rental yields, rising costs, cashflow top-ups, emotional decision-making, and when holding your first home actually does make sense.
Next steps:If you’re thinking about your next move with property, speak to the Lighthouse mortgage team - we’ll help you understand your lending position and what you can actually do from here.
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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.
Thu, 16 Apr 2026 - 09min - 567 - Why It Feels Harder Than Ever To Get Ahead in New Zealand | Episode 471
It feels harder than ever to get ahead right now - even if you’re doing everything right.
In this episode, we break down the reality behind that feeling - juggling mortgages, kids, careers, and ageing parents - while unpacking rising living costs, financial pressure, comparison culture, and how to think about progress, balance, and long-term wealth through different seasons of life.
Next Steps: If this feels like you right now, it might be time to step back and build a plan that actually works for your stage of life - that’s exactly what we help clients do atLighthouse Wealth.
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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.
Tue, 14 Apr 2026 - 09min - 566 - Property Prices Are Stuck: Should You Buy in 2026? | Episode 470
With NZ property prices flat in 2026, should you be buying or waiting it out?
In this episode, we break down whether 2026 is actually a smart time to buy property in New Zealand, covering market equilibrium, regional differences, investor sentiment, interest rate uncertainty, and why long-term strategy matters more than trying to time short-term growth.
Next Steps: Thinking about buying in 2026 but not sure how to navigate interest rates or structure your lending? Chat to the Lighthouse Mortgage team to build a strategy that works in today’s market.
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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.
Sun, 12 Apr 2026 - 14min - 565 - Fuel Crisis vs COVID: Which Hits NZ Economy Harder? | Episode 469
It feels like COVID all over again… but is it?
In this episode, we break down the key difference between a demand-driven crisis like COVID and today’s supply-driven fuel shock, covering inflation, oil prices, interest rate impacts, government response, and what it means for households and the New Zealand economy over the next 12–24 months.
Next Steps:If you’re unsure how rising costs and interest rates could impact your financial position, reach out to the Lighthouse Mortgage team today
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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.
Thu, 09 Apr 2026 - 14min - 564 - KiwiSaver vs. Property: What Builds More Wealth In Retirement? | Episode 468
KiwiSaver vs your first home deposit… are you building wealth or slowing yourself down?
In this episode, we break down whether you should use your KiwiSaver to buy your first home or leave it invested for retirement, covering deposit requirements, interest rate impacts, compounding vs debt, and how this decision affects your long-term wealth strategy in New Zealand.
Next Steps: If you’re unsure whether to use your KiwiSaveror how to structure your first home purchase, the Lighthouse Financial team can help you build a plan tailored to your situation.For more money tips follow us on:
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.
Tue, 07 Apr 2026 - 06min - 563 - OCR Predictions: Petrol Prices Are Spiking - Do Interest Rates Follow? Ft. Jarrod Kerr | Episode 467
In this episode, We sit down with Kiwibank Chief Economist Jarrod Kerr to unpack the upcoming OCR decision, why rising oil prices are driving inflation, how demand destruction is already hitting spending, and what it all means for interest rates, mortgages, and the broader NZ economy over the next 3-6 months.
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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.
Sun, 05 Apr 2026 - 14min - 562 - NZ Economic Update: Inflation Rising, Growth Falling Ft. Jarrod Kerr | Episode 466
Is New Zealand heading into stagflation? Inflation is rising, growth is slowing and the outlook is shifting fast.We sit down with Kiwibank Chief Economist Jarrod Kerr to break down the NZ economic outlook, including inflation, interest rates, OCR expectations, oil price shocks, and whether a recession or stagflation is actually on the cards. We also cover what this means for your KiwiSaver, mortgage, and investments over the next 6–24 months.
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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.
Thu, 02 Apr 2026 - 27min - 561 - The Tax on Shares That’s Costing Kiwi Investors Thousands | Episode 465
Your Sharesies account might be quietly draining thousands in tax and most Kiwis don’t even realise it.We break down how tax actually works on shares in New Zealand - from dividends and PIE funds to the $50K foreign investment threshold, FIF rules, and why the way you invest (not just what you invest in) can significantly impact your returns.
Next Steps: If you’re investing and unsure how tax is impacting your returns, get in touch with the Lighthouse Financial team to make sure your structure is working for you not against you.
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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.
Tue, 31 Mar 2026 - 23min - 560 - Is NZ’s Economic Recovery at Risk? The Long Term Effects of the Oil Crisis | Episode 464
A global oil shock could quietly reset New Zealand’s recovery - and most people aren’t ready for the flow-on effects.
In this episode, we break down how rising oil prices are driving inflation, impacting supply chains, pushing mortgage rates higher, and forcing tough decisions from the Reserve Bank - while unpacking what it all means for borrowers, businesses, and long-term financial plans in an increasingly uncertain economy.
Next Steps: If you’re unsure how this is going to impact your mortgage, reach out to theLighthouse team today.
For more money tips follow us on:
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.
Sun, 29 Mar 2026 - 20min - 559 - A 30 Year-Old’s Retirement Plan | Episode 463
Build a 30 year retirement plan by starting with your first home.In this episode, we use a real first home buyer case study to break down deposits, KiwiSaver decisions, mortgage affordability, budgeting habits, insurance, and how to turn one property into a long-term wealth plan.
Apply Now: We’re picking one Cheques & Balances listener to build a personalised financial plan with and we’ll document the entire journey on the podcast.
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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.
Thu, 26 Mar 2026 - 37min
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