Cheques and Balances

Your most played moment of 2025: Compounding interest is your secret weapon to long-term wealth—if you know how to use it. In this episode, we sit down with Luke Kemeys from Keep the Change⁠ to unpack the power of compounding returns, when to invest versus pay down debt, the psychology behind delayed gratification, and how consistent action—financial or otherwise—can lead to exponential outcomes over time.

Watch the full episode here

Learn more about Luke here:

⁠⁠Keep The Change⁠⁠

⁠⁠Next Advisory⁠

Next Steps: Ready to invest smarter and build a financial plan that actually works? Connect with the team at Lighthouse Financial to ⁠get started here⁠

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 Investment Boost could slash your tax bill — but only if you know how to use it. Amanda Quill, Accounting Director at Lighthouse Financial, breaks down exactly how the new 20% upfront deduction works, what assets qualify, what to avoid, and how to structure your purchases to maximise the benefit without making costly mistakes.

Next Steps: If you’re looking to take advantage of Investment Boost tax deduction, Lighthouse Accounting can help you understand what to buy, how to structure it, and how to maximise your claim.

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.

Don’t let winter bills freeze your budget. We break down practical ways to save on power, gas, internet, and insurance by comparing plans, dodging loyalty traps, and using tools like Powerswitch to find better deals.

Next Steps: Saving on power is great—but don’t stop there. If you’re wondering whether you’re getting the best deal on your mortgage, Lighthouse mortgages can help. Chat to the 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.

Your no-nonsense guide to getting started with investing.
We break down the four key asset classes — cash, bonds, shares, and property — explain the pros and cons of each, unpack common mistakes, and show you how to build a smart, long-term portfolio. Perfect for beginners and a solid reset for experienced investors.
Next Steps: Whether you're just starting out or looking to fine-tune an existing portfolio, Lighthouse Wealth can build an investment strategy tailored to your goals - offering independent advice, access to high-quality research, and smart solutions designed to grow and protect your wealth over the long term.

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.

OCR cuts, budget moves, and Trump’s trade threats—everything’s in motion. We break down what’s likely next for the cash rate, how the 2025 Budget could spark economic stimulus, and whether global politics might stall the recovery.

Next Steps: If you’re wondering how a potential OCR cut could affect your mortgage, Lighthouse Mortgages can help you structure smarter lending for the road ahead.

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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.

Same income. Two very different financial futures.

We dive into a powerful client case study — the story of “Bob,” a high-income earner whose financial trajectory diverges dramatically depending on whether he has a plan. From coasting through life to building a $5 million asset base, we break down the real cost of inaction and the small steps that can change everything.

Next Steps: Earning good money but not getting ahead? Lighthouse Wealth builds smart financial plans that turn income into long-term wealth . Book a free consultation here.

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.

Did the government get it right? We dive into the biggest shake-ups to KiwiSaver since the scheme began—Finance Minister Nicola Willis’ new 2025 Budget includes cuts to government contributions, new eligibility for teens, rising minimums, and a fresh set of trade-offs for your future retirement balance.

Next Steps: If these KiwiSaver changes have you wondering whether your fund, provider, or contribution level is right for you - Lighthouse Financial can 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.

When everyone else is sitting still, we’re making moves. we unpack why now might be the smartest time to buy, even amid uncertainty, slow sentiment, and a flood of listings—and why we're backing our strategy with action in both city centres and the regions.

Next Steps: Thinking about taking the plunge? Talk to Lighthouse Mortgages—whether it's strategy, pre-approval or finding the right deal, we’ve got your back from planning to purchase.

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 government’s about to drop major changes to KiwiSaver - here’s what you need to know before it hits. We break down what the National-led government is likely to announce, the impact on your retirement savings, and the big fixes we think are long overdue - including mandatory contributions and better support for the self-employed.

Next Steps: Not sure if your KiwiSaver’s set up right? Book a free chat with a Lighthouse Financial advisor and get a clear, tailored strategy for your future here.

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.

Should you crush your mortgage or chase investment gains? We unpack one of the most common financial dilemmas Kiwis face—whether to prioritise debt repayment or start investing. They break down the maths, the psychology, and the myths to help you make smarter money moves.

Next Steps: If you’re still tossing up whether to pay off debt or invest, our clients don’t have to—because they’ve got a financial plan tailored to their goals. Book in a free consultation here.

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.