What if your KiwiSaver balance could double - just by removing tax?

In this episode, we explore the radical idea of untaxed KiwiSaver returns, comparing outcomes to Australia’s super system, breaking down the numbers, and debating what it could mean for retirement, government revenue, and the future of NZ Super.

Next Steps: Not sure if your KiwiSaver is set up for success? Book a free 30-minute session with a Lighthouse KiwiSaver adviser and make sure your money is working for your 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.

What does a real financial plan actually look like?

In this episode, James walks Rachel and Dion through their personalised financial roadmap - covering budgeting, mortgage strategy, investment property planning, KiwiSaver comparisons, and retirement scenarios that show how they could achieve both lifestyle freedom and long-term wealth.

This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months.

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.

Struggling with debt? In this episode, we share 3 key steps to fix your finances - from recognising the problem and shifting your mindset, to building a roadmap with clear goals, structure, and accountability.

Next steps: If your finances are off track, Lighthouse can help - from tackling debt to building a clear plan tailored to your goals. Book a chat with our 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.

Stop giving the banks your hard-earned money - learn how to cut debt and grow wealth faster.

In this live webinar, we cover smart debt-reduction strategies, how to pay off your mortgage faster, the role of equity in building wealth, budgeting techniques that actually work, and practical ways to set yourself up for long-term financial freedom.

🔗 Links Mentioned in the Webinar

• • Book a free 30-minute chat with a financial adviser
    Want tailored advice for your situation? Book a free session with a Lighthouse Financial adviser and start mapping out your financial plan.

  • Try PocketSmith
    Track your cashflow, cut waste, and stay on top of your finances with PocketSmith - the tool we recommend for smarter money management.

  • Book a free 30-minute consultation with a KiwiSaver Adviser
    Not sure if your KiwiSaver is working hard enough? We’ll review your fund choice and contribution level at no cost.

  • Need an Insurance Review? Book now
    When was the last time you checked your cover? Our advisers can review your insurance to make sure you’re protected without overpaying.

  • Book a free 30-minute discussion with our mortgage team
    If your mortgage is rolling off, or you’re looking to buy your first or next property, our team can walk you through your options.

    
    

    
    

    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 OCR has been cut - but is this just the beginning for falling interest rates? In this episode, we break down the 50-basis-point cut, its impact on mortgages, business confidence, and house prices, and discuss whether Kiwi borrowers could see sub-4% rates by the end of the yearNext steps: If you’re wondering what the latest OCR drop means for your mortgage, refinancing, or property plans, get in touch with Lighthouse Mortgages 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.

Provisional tax catches out thousands of Kiwi business owners every year.

In this episode, Matthew Harris breaks down what provisional tax really is, why it’s so often misunderstood, the common mistakes people make, and how tools like tax pooling can save you from penalties and surprise bills

Next steps: If you’re a business owner or property investor facing provisional tax, get in touch with the Lighthouse accounting team - we’ll help you structure smarter, manage cash flow, and avoid costly mistakes.

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.

Sometimes the habits that feel frugal are actually draining your wallet. In this episode, Jess and Makayla unpack why “it’s expensive to be poor” - exploring how buying cheap, renting long-term, skipping insurance, or avoiding upfront costs can end up costing more in the long run.

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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.

Episode 2 of our mini-series dives into strategy - James works with Rachel and Dion to break down how their money is invested across KiwiSaver, crypto, Sharesies, and their mortgage. Together they explore how each piece fits within their wider goals, weigh the trade-offs between risk and return, and start shaping the structure behind their long-term wealth plan.This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two 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.

KiwiSaver won’t save your retirement - and it’s time Kiwis faced that reality.

In this episode, Mike and James reveal the harsh truth behind New Zealand’s retirement crisis, unpacking why low contribution rates and unrealistic expectations mean KiwiSaver alone won’t cut it. They break down what $500,000 in savings actually looks like at retirement and outline the practical steps to build true financial independence - from paying off your mortgage faster to investing smarter.

Next Steps: If you haven’t reviewed your KiwiSaver recently, now’s the time - book a 30-minute session with a Lighthouse KiwiSaver adviser and make sure your fund, provider, and contributions are actually working for 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.

How low could mortgage rates really go? 👀

In this episode, we break down the Reserve Bank’s latest moves, discuss predictions for OCR cuts, explore what falling interest rates mean for mortgages, and look ahead at how the property market could react.

Next Steps: If you’re wondering how lower rates could impact your mortgage, refinancing strategy, or investment plans, reach out to the team at Lighthouse Mortgages 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.