Cheques and Balances

Will the RBNZ pull the trigger on 25 or 50? Here's what really sits behind Wednesday’s OCR call.

In this episode, we break down the latest inflation data, card-spending trends, bank pass-through (or lack of it), how summer spending could shape the economy, and why confidence - not just cuts - will determine whether 2026 finally turns a corner.

Next Steps: If you want to find out whether you qualify for the 1.5% cashback or how a refinance works, get in touch with Lighthouse Mortgages and they’ll walk you through your exact 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.

KiwiSaver is getting a shake-up and some of these changes could completely reshape your retirement.

In this episode, we break down the proposed KiwiSaver overhaul from targeted boosts for low-income earners to parental-leave top-ups, employer contributions past 65, and the controversial emergency “sidecar” account - plus what these changes could really mean for your long-term savings.

Next Steps: If you’re not sure whether your KiwiSaver fund, contribution rate or strategy is set up correctly for these changes, book a free 30-minute session with a Lighthouse adviser and get your plan sorted.

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.

In this live webinar Scott O’Neill, Dylan Menzies and Michael Vincent break down where the real value is heading into 2026 - from commercial vs residential returns to bank appetite, yields, strategy, and live Q&A insights.

Ideal for anyone exploring commercial property, diversifying from residential, or wanting expert clarity before making their next move.

Ready to explore commercial property with expert support? Connect with the Rethink Investing team to access off-market deals and tailored commercial acquisition advice.

Need lending support for your next residential or commercial purchase? The Lighthouse mortgage team can help you structure the right loan and get your finance approved.

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.

A heated debate that every Kiwi needs to hear - Wealth Tax vs Capital Gains Tax.Matt, James and Mike down how each tax actually works, the real-world impact on homeowners, investors, retirees, and business owners, and why timing, fairness, and economic stability matter more than political noise.

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.

Buying your first home? Don’t walk into a negotiation blind.

In this episode, Mike and Adam break down the exact strategies every first-home buyer needs - from spotting genuine negotiation opportunities to avoiding common traps, understanding timing, reading the market, structuring offers, and knowing when to push, walk away, or say yes.

Next Steps: Ready for more? Register now for our upcoming webinar with Rethink Investing, where Scott O’Neill, Dylan Menzies and Michael Vincent unpack how to invest smarter and spot real opportunities in 2026.

If you need guidance on what to buy and how to negotiate it, connect with the Lighthouse Property team - we’re here to help.

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 one-income household is officially dead - and the numbers prove it.

In this episode, James and Michael break down why rising living costs, childcare expenses, inflation, and modern debt-to-income ratios make it nearly impossible to survive on a single salary, and what Kiwi families need to consider when planning work, kids, mortgages, and their long-term financial goals.

Next Steps: If you’re navigating childcare costs, mortgages or planning time off with young kids, chat with the Lighthouse Financial team to map out a plan that actually works for your family.

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.

Can infrastructure spending really supercharge New Zealand’s economy?

In this episode, Kiwibank Chief Economist Jarrod Kerr joins the team to unpack how smart infrastructure investment, foreign capital, and confidence can lift productivity, boost GDP, and strengthen the Kiwi brand on the global stage.

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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.

Markets are booming - but are we on the edge of an AI bubble?

In this quarterly update, James and Chris from Mapua Wealth break down what’s driving global market performance, how AI hype and passive investing are shaping valuations, and why diversification and patience remain key as investors navigate an overheated landscape.

Next Steps: Ready to make sense of the markets and build a plan that works through every cycle? Book a free 30-minute chat with a Lighthouse financial adviser.

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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.

Paying down your mortgage or investing in more property - which gets you closer to financial freedom?

In this episode, Mike breaks down Dion and Rachel’s financial plan, exploring how offset facilities, mortgage structures, and long-term property decisions can shape their wealth journey without unnecessary risk.

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.

Five smart ways to keep more money in your pocket this tax season.In this live webinar, Matt Harris and Andrew Higgs uncover the most overlooked tax hacks for property investors - from claiming chattels depreciation and home office expenses to restructuring debt, maximising travel deductions, and ensuring your accounting structures work in your favour.Next steps: Ready to uncover what deductions you’ve been missing? Book a free 30-minute consultation with one of our accountants to see how much more you could be saving this year.

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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.