Cheques and Balances

Most investing advice is either too complicated or focused on chasing the next big thing.

In this episode, James Blair and Michael Vincent break down the five investing principles they believe every Kiwi should know. So whether you're retiring in one year, five years or twenty years, these five golden rules will help you make the most of your retirement savings so you can build lasting wealth and enjoy the retirement you've worked so hard for. They cover why trying to time the market rarely works, why diversification beats prediction, how high fees quietly eat away at your returns, why staying in cash can cost you more than market volatility, and how to choose a financial adviser who puts your interests first.

Next steps: If you're approaching retirement or want confidence that your investment strategy is built for the long term, get in touch with the Lighthouse Financial Wealth team.

We've also created a free guide that expands on everything we discuss in this episode, including the graphs and research behind each investing principle. Read more now

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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.

Why does it feel like you're working harder but getting nowhere?

From rising living costs and inflation to mortgage strategies, KiwiSaver, emergency funds and practical ways to build financial resilience, James and Mike break down why so many Kiwis are feeling the squeeze and the steps you can take to strengthen your finances in today's economy.

Next steps: Feeling the pressure of rising costs? Speak to the Lighthouse Financial team for personalised advice on your mortgage, KiwiSaver, investments and cash flow.

Can't Refinance Your Mortgage? Watch This Episode

Learn More About Balance Transfers Here

Review Your Insurances 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.

Before the wealth came the mistakes, side hustles, setbacks and plenty of hard lessons.

To celebrate one million podcast downloads, James and Mike share the personal stories they've never told before - from their childhood relationships with money and first jobs to dropping out of university, building careers in banking, early investing lessons and the work ethic that shaped their financial journeys.

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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.

Could your KiwiSaver be investing in something you don't agree with?

Around $900 million of KiwiSaver money is now invested in weapons-related companies. James and Mike sit down with Lily Richards, Chief Marketing and Client Officer at Pathfinder KiwiSaver Plan to explore ethical investing, how to check what's inside your KiwiSaver, whether responsible investing impacts returns, and why understanding where your retirement savings are invested could be just as important as how much they earn.

Next Steps:

Learn more about Pathfinder

Check out the Mindful Money website

Create Your Own: Mini Ethical Investment Policy

Want to make sure your KiwiSaver matches both your financial goals and your personal values? Speak with the Lighthouse Wealth team for a KiwiSaver review and find the fund that's right for you.

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.

Selling because you're nervous can be one of the most expensive investment decisions you make.

When should you actually sell an investment? James and Mike break down the difference between emotional reactions and smart financial decisions, covering market crashes, changing life goals, underperforming investments, investment fees, diversification, inherited assets, and the key signs it's time to review your portfolio.

Next Steps: Not sure whether your investments still align with your goals? Speak with the Lighthouse Wealth team for a discovery call 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.

The property market isn't broken... but expectations might be.

Should New Zealand expect house prices to keep doubling every 10 years? James and Mike unpack the key drivers behind long-term property growth, including migration, interest rates, inflation, wages, affordability, and whether endless house price growth is actually good for the country's future.

Next steps: If you're wondering what today's property market means for your own plans, whether you're buying your first home, investing, or reviewing your mortgage, get in touch with the Lighthouse Property and Mortgage 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.

Inflation is back above 4%... but is the worst still to come?

James and Mike break down New Zealand's latest 4.1% inflation result, why petrol prices are driving almost all of the increase, whether higher interest rates are actually the right solution, what it means for mortgages, businesses and household budgets, and where they believe the economy is heading over the next 12 months.

Next steps: Need help navigating rising interest rates? Speak with the Lighthouse Mortgage 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.

Building your dream home? Don't talk to the bank until you've watched this.

From construction loans and stage payments to hidden building costs, budget blowouts, fixed-price contracts, and choosing the right builder, we break down everything you need to know before building a home. We also uncover the common mistakes that can quickly turn your dream build into an expensive headache.

Next Steps: Thinking about building, buying, or refinancing? Get in touch with the Lighthouse Mortgages team for personalised advice before you make your next move.

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.

Think you're stuck with your mortgage? You might have more options than you realise.

In this episode, Mike and James break down what to do if you can't refinance your mortgage, including how to negotiate with your current bank, when breaking a fixed rate makes sense, cash retention payments, low equity traps, and the simple strategies that could save you thousands without switching lenders.

Next Steps: If you're unsure whether you can refinance or simply want to know if you're getting the best deal the Lighthouse mortgage team can review your options and help you build a strategy that works for your situation.

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 headlines are noisy, but the data tells a very different story.

In this episode, Mike and Adam break down the property market indicators they're watching most closely, including construction activity, building costs, auction clearance rates, GDP, long-term price trends, and why Christchurch continues to stand out as one of New Zealand's strongest investment markets.

Next Steps: Thinking about buying your next property or wondering what these market shifts mean? Speak to the Lighthouse Property team today to explore 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.