Cheques and Balances

KiwiSaver holds $145 billion so why are so many Kiwis still heading for a broken retirement?

In this episode, we’re joined by Dean Anderson, Founder and CEO of Kernel, to unpack what’s holding KiwiSaver back - from weak incentives and disengaged members to election-year policy risks, default fund underperformance, gaps for the self-employed, and why short-term political decisions could cost New Zealand decades of future 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.

New Zealand used to punch above its weight - so why does working harder now feel like it’s getting us nowhere?

In this episode, we unpack New Zealand’s productivity problem from slowing output and wage stagnation to brain drain, innovation gaps, capital shortages, and why productivity isn’t about longer hours, but smarter systems, better incentives, and backing people to actually have a crack.

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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.

Is the sharemarket dangerously expensive or just evolving with a new era of growth?

In this episode, the team unpacks whether today’s valuations actually signal a bubble, what price-to-earnings ratios really tell us, how AI and the Magnificent Seven are distorting markets, why timing the market rarely works, and the long-term strategies investors should focus on instead - including diversification and playing the slow game.

Next Steps: If you’re questioning whether your investment strategy is built for what’s happening in today’s market, the Lighthouse Financial team can help you structure a diversified portfolio aligned to your goals - get in touch 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.

Bitcoin just lost $3.2B in a single day and this crash wasn’t random.We unpack what triggered the February 5 sell-off, how leverage and forced liquidations created a domino effect, why Bitcoin is behaving more like a volatile tech stock than digital gold, and what the broader crypto drawdown since October means for investors and diversification.

Next Steps: If Bitcoin’s in your portfolio but there’s no plan around it, Lighthouse Wealth can help you build a diversified strategy that actually makes sense.

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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.

Silver surged, crashed, and reminded investors just how quickly sentiment can turn.In this quarterly investment update, we break down global market performance, diversification away from US tech, bond and property headwinds, silver’s explosive rise and sudden pullback, and what it all means for portfolios heading into 2026.Next Steps: If market volatility has you questioning your positioning, now’s the time to stress-test your plan - book a no-obligation chat with a Lighthouse financial adviser 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.

Structure your debt smarter - because how you own assets can be the difference between paying more tax or keeping thousands. Drawing on a real example of an investor saving $9,000, the team unpacks tax-efficient debt structuring, interest deductibility, trusts vs look-through companies, common mistakes property investors make, and why treating your portfolio like a business can materially improve your long-term tax position.Next Steps: If you’re building wealth through property, speak with Lighthouse Accounting before restructuring - the right advice could save you far more than it costs.

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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.

Debt is rising and relief hasn’t arrived.

In this episode, the team unpacks rising mortgage arrears, increasing unemployment, stubborn interest rates, and the growing risk of stagflation - asking the critical question: can households actually afford the debt they’re carrying?

Next Steps: If you’re feeling the pressure of rising debt or a mortgage rolling off soon, reviewing your loan structure could make a bigger difference than you think - speak to the Lighthouse Mortgage team to understand 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.

You can be paying thousands for insurance and still be dangerously under-covered.

In this episode of Inside a Financial Plan, Callum walks Rachel and Dion through a full insurance reset - restructuring life, trauma, income protection, and health cover to reduce wasted premiums, close major coverage gaps, and align everything with their real financial plan, while increasing protection by thousands for only a marginal cost increase.

Next Steps: If you haven’t reviewed your insurance recently, talk to the Lighthouse team to make sure your cover actually matches your life, your risks, and your long-term 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.

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.

New Zealand’s economy is sending mixed signals and the outlook for 2026 isn’t as simple as “good” or “bad.”

In this episode, the team breaks down inflation sitting above the Reserve Bank’s target, what it means for interest rates and the OCR, why spending is soft despite rising non-discretionary costs, and why first home buyers may actually be sitting in a rare “Goldilocks” window - all while unpacking why forecasts matter less than having a long-term 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.

Elon Musk says we don’t need to save for retirement - but should we actually believe him?

In this episode, the team breaks down Musk’s viral comments on AI, robots, and the future of work, explores why the idea resonates with so many people, stress-tests the timelines against reality, and explains what relying on tech, KiwiSaver, or “someone else saving us” could really mean for retirement in New Zealand.

Next Steps: AI might change the future, but your retirement still needs a plan. Talk to the Lighthouse Wealth team about building a clear, realistic retirement strategy you can actually control.

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.