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.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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 InfraKiwi and 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.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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 team for personalised advice on your mortgage, KiwiSaver, investments and cash flow.

Can't Refinance Your Mortgage? Watch This Episode

Learn More About Balance Transfers Here

Review Your Insurances 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.

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.

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.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

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 team today.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.