Cheques and Balances

A real-world look at how tracking your money actually works - without spreadsheets or guesswork.In this episode of Inside a Financial Plan, Jess walks through a PocketSmith onboarding session with Rachel and Dion, covering how to set up accounts, track cash flow, build realistic budgets, categorise spending, handle transfers correctly, and use clear insights to stay aligned with their financial plan over time.

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.

Passive investing has taken over - but what happens when nobody’s actually picking the stocks?In this episode, we unpack the explosive rise of passive investing, the growing concentration inside major indices like the S&P 500, and whether mechanical money flows into big tech could distort markets, create instability, or even open the door for active management to matter again.Next Steps: If you’ve got money invested or sitting on the sidelines and you’re unsure whether a passive, active, or blended approach makes sense for your goals, book a chat with the Lighthouse Wealth team and build a portfolio that’s actually designed 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.

Buying your first investment property? Here are the three game-changing rules every investor needs to know before they make their move.

In this episode, we break down exactly how to use your equity, why structuring your debt correctly matters, and the essential tax steps - from interest deductibility to chattel valuations and tidy accounting - that can make or break your investment success.

Next steps: If you're ready to take the next step toward your first (or next) investment property, book a call with the Lighthouse team - we'll help you understand your equity, borrowing power, and the smartest way to structure your lending and tax.

Boarder Income Rules

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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 NZ’s property market really unproductive — or is everyone getting it wrong?

In this episode, we break down the real economic impact of New Zealand’s property sector - from its $50B GDP contribution and 235,000 jobs, to how domestic trade, construction, KiwiSaver investment, and smarter intensification strategies shape whether property truly helps or hinders national productivity.

This episode is brought to you by ⁠Lighthouse Financial⁠ - your partner in financial freedom.

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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 North and South Islands are living two completely different financial realities - and the wealth gap is bigger than you think.

In this episode, we break down why regions like Canterbury, Otago, and Southland are outperforming the major centres - from lower debt loads and cheaper housing to booming primary industries - while Auckland and Wellington grapple with high mortgages, sluggish sectors, and rising unemployment.

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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.

Buying your first home just got a whole lot easier and the numbers prove it.

In this episode, we break down the five biggest shifts helping first-home buyers right now: falling interest rates, lower test rates, flexible deposit options, smarter bank approvals, easier due-diligence pathways, and a market where negotiation not auctions is finally back on the table.

Next Steps: If you want to know exactly how much you can borrow, what deposit you need, and whether you’re ready to buy, book a chat with Lighthouse Mortgages and we’ll run the numbers with 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.

Cashflow or capital gains? Why choose when the smartest investors are structuring their deals to get both?

In this episode, we sit down with Ilse Wolfe, Director of Wolfe Property, to unpack how investors are navigating 2025’s shifting market, from falling interest rates and rising optimism to real case studies showing how strategic renovations, multi-unit deals, and value-add tactics can create both strong cashflow and long-term capital growth.

Next steps: Learn more about Wolfe Property 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.

Mortgage rates are dropping and the right move now could add over $100K to your net worth.

In this episode, we break down how holding your repayments at the higher level you’re used to can shave decades off your loan, save hundreds of thousands in interest, accelerate your equity, and set you up for smarter investing and long-term financial freedom.

Next Steps: Want to see how much faster you could clear your mortgage? Book a chat with our Lighthouse Mortgage team today.

If you want clarity on your next steps from paying down debt to building long-term wealth book a chat with our Lighthouse Wealth team and get a personalised financial plan built 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.

Is NZ’s property market actually broken or are the headlines missing the real story?

In this episode, we break down 30 years of market history, supply and demand pressures, migration, affordability, investor psychology, and the real maths behind when (and whether) investment property still works in New Zealand.

Next steps: If you want clarity on what you can borrow, what you can buy, or whether an investment property strategy stacks up, our Lighthouse Mortgage team can walk you through the numbers.

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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.

Insurance premiums have exploded and Kiwis are feeling the squeeze like never before.

In this episode, we break down the shocking 15-year surge in insurance costs - from health and house premiums skyrocketing over 200–400% to the real impact of climate events, reinsurance costs, medical system pressure, and how listeners can reduce their cover without losing protection.

Next Steps: If you want to make sure your life, health, income or trauma cover actually fits your budget and stage of life, book a one-on-one with a Lighthouse insurance adviser through the link in the show notes.

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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.