Cheques and Balances
Episodes
The New Accounting Changes That Could Save You Thousands Ft. Matthew Harris | Episode 227
13 Oct 2024
Contributed by Lukas
We explore the details of business structuring in New Zealand, highlighting the pros and cons of look-through companies (LTCs). This episode is proud...
Mike & James Just Bought 12 Houses! Ft. Ilse Wolfe (Part 1) | Episode 226
10 Oct 2024
Contributed by Lukas
In this episode, we share our journey of purchasing 12 houses, discussing our financial goals and the initial hesitations we faced. With Ilse Wolfe’...
How Will the Next OCR Announcement Impact New Zealand? Our Predictions and Insights Ft. Matt Harris | Episode 225
07 Oct 2024
Contributed by Lukas
In this episode, we explore the potential outcomes of the upcoming OCR announcement and its impact on the economy. This episode is proudly sponsored b...
How To Get Retirement Ready | Episode 224
06 Oct 2024
Contributed by Lukas
We explore the essential steps to getting retirement ready, covering how to build a solid financial plan, invest smartly in property and managed funds...
How Retirement is Transforming in the 21st Century | Episode 223
03 Oct 2024
Contributed by Lukas
This episode explores how the concept of retirement has evolved. We discuss New Zealand’s public pension system and modern financial strategies for ...
The Future of Banking in New Zealand Ft. Akahu Co-Founder Josh Daniell | Episode 222
01 Oct 2024
Contributed by Lukas
We sit down with Josh Daniell, Co-Founder of Akahu, to discuss the future of banking in New Zealand, from the latest trends in open banking to its pot...
Principles Of Building Wealth | Episode 221
29 Sep 2024
Contributed by Lukas
In this episode, we delve into the principles of building wealth and share actionable steps you can take today to achieve long-term financial freedom ...
How To Build Wealth In Your 40s | Episode 220
26 Sep 2024
Contributed by Lukas
We break down the top ways to build wealth in your 40s, whether you’re at the peak of your career and own property or starting fresh. This episode i...
How Much Does It Cost To Raise Children In New Zealand? | Episode 219
25 Sep 2024
Contributed by Lukas
We explore the financial implications of having kids versus not having them, delving into key considerations for prospective parents. Covering key top...
5 Steps To Grow Your Wealth Ft. Luke Kemeys & Tom Hartmann | Episode 218
22 Sep 2024
Contributed by Lukas
In this special webinar episode, we sit down with Luke Kemeys from Keep The Change and Tom Hartmann, Sorted’s Personal Finance Lead, to walk us thro...
From $94,000 in Debt to Debt-Free in 3 Years Ft. Tracy Hemingway | Episode 217
19 Sep 2024
Contributed by Lukas
We chat with Debt Free Diva, Tracy Hemingway, who shares her inspiring journey of paying off $94,000 in just three years. Tracy reveals how she hustle...
Survive ’Til 2025: How to Navigate Tough Economic Times | Episode 216
17 Sep 2024
Contributed by Lukas
In this episode, we explore actionable strategies to navigate the economic downturn, highlighting the critical need to understand your finances, reduc...
How To Build Your Financial Plan Ft. Matthew Horncastle | Episode 215
15 Sep 2024
Contributed by Lukas
We’re joined by Matthew Horncastle, Managing Director of Williams Corporation, to discuss how to build a bulletproof financial plan. We share the ke...
The Hidden Costs of Breaking A Fixed Rate Home Loan | Episode 214
12 Sep 2024
Contributed by Lukas
We look into the true cost of breaking a fixed rate mortgage and why it might cost you more than expected. This episode is proudly sponsored by ...
Buying A Home In Your 50's? Here’s Everything You Need To Know | Episode 213
10 Sep 2024
Contributed by Lukas
Buying a house in your 50’s can be a significant financial decision, with both advantages and potential risks. We breakdown the risks involved and f...
The Future of Retirement in New Zealand Ft. Retirement Commissioner Jane Wrightson | Episode 212
09 Sep 2024
Contributed by Lukas
Retirement planning is one of the most critical financial decisions we will ever make. We sit down with Retirement Commissioner, Jane Wrightson, to ex...
Protect Your Finances: How To Spot Pyramid Schemes & Scams In New Zealand | Episode 211
06 Sep 2024
Contributed by Lukas
We explore the rise of financial scams in New Zealand, from Ponzi schemes to boiler room scams and pyramid schemes. Learn the key warning signs, how t...
How Much Of Your Lifetime Earnings Is Taken Away In Tax? Ft. Andrew Higgs | Episode 210
03 Sep 2024
Contributed by Lukas
We dive deep into the surprising amount of your lifetime earnings that go towards taxes with Lighthouse Accountant, Andrew Higgs. Discover how long th...
Why 2025 is Going to Be Better Than 2024 Ft. Reagan White | Episode 209
01 Sep 2024
Contributed by Lukas
Guest host Reagan White, from Where’s My Money?, joins us to discuss why 2025 is set to be a better year than 2024, with a particular focus on impro...
The Top Money Lessons Learned From NZ's Finance Experts Ft. Reagan White | Episode 208
30 Aug 2024
Contributed by Lukas
Reagan White returns to share lessons from his financial journey and podcast insights. We explore what he’s learned from his guests and how these le...
Navigating a $1 Million Debt Crisis: Interest Rates & Cost of Living Ft. Reagan White | Episode 207
27 Aug 2024
Contributed by Lukas
We sit down with Reagan White, host of the Where’s My Money? podcast, as he opens up about his personal experience tackling and managing a daunting ...
Why 56% of Kiwis Are Struggling with Their Finances Ft. Sorted Personal Finance Lead Tom Hartmann | Episode 206
25 Aug 2024
Contributed by Lukas
We sit down with Tom Hartmann, Personal Finance Lead at Sorted, to delve into the pressing issue of financial struggle among New Zealanders. Despite a...
How Much Money Do You Need When Moving To Another Country? | Episode 205
22 Aug 2024
Contributed by Lukas
We explore personal finance advice shared on the NZ Reddit community, determining if the advice given is solid or questionable. This episode is proud...
How to Build Financial Literacy from an Early Age Ft. SquareOne Co-Founder Jovan Pavlicevic | Episode 204
20 Aug 2024
Contributed by Lukas
We discuss the importance of financial literacy for children with Jovan Pavlicevic, Co-Founder of SquareOne, a platform dedicated to empowering the ne...
Interest Rate Update: How Long Should You Fix Your Mortgage For? | Episode 203
18 Aug 2024
Contributed by Lukas
From the high rates of the past to the current easing trends, we explore how these changes affect your wallet and offer insights on navigating the shi...
Quarterly Update: OCR Cut to 5.25% – What It Means for Kiwi Finances & Housing Market | Episode 202
14 Aug 2024
Contributed by Lukas
We dive into the latest market developments from April to June 2024, discussing the impact of AI stock fluctuations, the S&P 500’s performance, ...
Should We Tax The Rich? Responding To Your YouTube Comments… | Episode 201
13 Aug 2024
Contributed by Lukas
We dive into your reactions and insights from our recent conversation with Jarrod Kerr, Kiwibank’s Chief Economist, covering everything from tax pol...
What Will New Zealand Look Like In 100 Years? Ft. Simplicity Founder Sam Stubbs | Episode 200
13 Aug 2024
Contributed by Lukas
We’re joined once again by Sam Stubbs, the visionary founder of Simplicity, as he discusses the long-term thinking behind Simplicity’s 100-year pl...
What Does The Next 30 Years Look Like For New Zealand? Ft. Simplicity Founder Sam Stubbs | Episode 199
08 Aug 2024
Contributed by Lukas
We sit down with Sam Stubbs, Founder of Simplicity Living, to discuss his extensive career journey and the innovative approach he has brought to Simpl...
How To Buy Your First Home In 2024 | Episode 198
06 Aug 2024
Contributed by Lukas
In today’s webinar special, we share practical tips and insights on how to buy your first home in 2024. Whether you’re a first-time buyer or updat...
Insurance 101: When & Where To Start With Insurance | Episode 197
04 Aug 2024
Contributed by Lukas
We explore the various types of insurance, including life, income protection, trauma, and health insurance, discussing what each covers and why they a...
Do Kiwis Have The Worst Financial Literacy In The World? Ft. Co-CEO Of Banqer Simon Brown | Episode 196
01 Aug 2024
Contributed by Lukas
We sit down with Simon Brown, Co-CEO of Banqer, to delve into the state of financial literacy in New Zealand and beyond. Simon shares his expertise on...
How To Make Money Decisions In A World Of Inflation, Rising Interest Rates and Investment Volatility | Episode 195
30 Jul 2024
Contributed by Lukas
In today’s webinar special, we dive into making smart financial decisions amid inflation, rising interest rates, and investment volatility. Covering...
Why People Give Up On Property... | Episode 194
28 Jul 2024
Contributed by Lukas
We delve into the frustrations and challenges that drive property owners to give up on their investments. As well as some personal experiences with pr...
The Ultimate Guide To Good & Bad Debt | Episode 193
25 Jul 2024
Contributed by Lukas
We explore the critical topic of debt, discussing the different types Kiwis commonly carry and how they can impact your financial health. For more mon...
The Great Boomer Business Sell-Off | Episode 192
23 Jul 2024
Contributed by Lukas
For more money tips follow us on: ...
What To Expect From New Zealand's Housing Market In 2025 Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 191
21 Jul 2024
Contributed by Lukas
We’re joined by Kiwibank’s Chief Economist, Jarrod Kerr, to explore the challenges and opportunities within the New Zealand property market and br...
Will Interest Rates Be At 5% By The End Of 2025? Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 190
17 Jul 2024
Contributed by Lukas
We’re joined once again by Kiwibank Chief Economist Jarrod Kerr to discuss New Zealand’s latest inflation numbers and the forecast for interest ra...
Top 5 Money Tips From Billionaires | Episode 189
16 Jul 2024
Contributed by Lukas
We reveal the top 5 money tips from billionaires and how you can apply them to your own financial journey. From the importance of long-term investment...
Top 5 Money Myths Debunked | Episode 188
15 Jul 2024
Contributed by Lukas
In this episode, we unravel the top 5 money myths that many Kiwis hold. Should you avoid loaning money to friends or family? Is relying on NZ Super fo...
How This Couple Went 6 Years Without Paying Rent | Episode 187
11 Jul 2024
Contributed by Lukas
Discover the inspiring journey of a couple who lived rent-free for six years through house sitting across New Zealand. Learn how they managed to cover...
How to Build Wealth in Your 30s | Episode 186
09 Jul 2024
Contributed by Lukas
We delve into five crucial steps to secure long-term wealth and financial stability, including creating a solid financial plan, building an emergency ...
An Introduction to Behavioural Finance: 5 Financial Biases & How to Avoid Them | Episode 185
07 Jul 2024
Contributed by Lukas
We dive into behavioural finance, exploring five common financial biases: anchoring, loss aversion, overconfidence, framing, and recency. We break dow...
What You NEED to Know About The New LVR Changes... | Episode 184
04 Jul 2024
Contributed by Lukas
We discuss the recent changes to Loan-to-Value Ratios (LVRs) and how these updates impact Kiwi property buyers, breaking down the essentials you need ...
New Accounting Changes Could Save You Thousands in Tax Ft. Matthew Harris | Episode 183
02 Jul 2024
Contributed by Lukas
We sit down with property investor and developer Matt Harris to discuss the new accounting changes effective from 1 July 2024, allowing for debt restr...
Connecting A Billion People from New Zealand to India – A Kiwi Success Story Ft. Carmen Vicelich Founder of Valocity, Data Insight & Generate Zero | Episode 182
30 Jun 2024
Contributed by Lukas
We sat down with Carmen Vicelich, New Zealand's trailblazing serial female data and tech entrepreneur reshaping the property landscape. Through he...
Assessing Purchasing Power Between Generations | Episode 181
27 Jun 2024
Contributed by Lukas
We compare the purchasing power of different generations in New Zealand by examining historical data on wages, house prices, interest rates, and livin...
How To Deal with Financial Loss | Episode 180
25 Jun 2024
Contributed by Lukas
We explore the emotional impact of financial loss, strategies for learning from past mistakes, and methods to build a strong financial base, providing...
How To Manage Money in a Relationship | Episode 179
23 Jun 2024
Contributed by Lukas
Finances can be a difficult thing to discuss with your partner. However, it’s crucial to be on the same page to ensure a healthy relationship. This ...
Can Financial Advisers Steal Your Money? Ft. Steven Burgess Director of Compliance Refinery | Episode 178
20 Jun 2024
Contributed by Lukas
In this episode, we explore the unsettling reality of financial adviser fraud. With guest Steven Burgess, Director of Compliance Refinery, we discuss ...
What To Do If You Win $50 Million? | Episode 177
18 Jun 2024
Contributed by Lukas
We dive into the exciting yet overwhelming scenario of winning Lotto Powerball's record $50 million jackpot, discuss key steps to take afterward, ...
Side Hustle Or 9-5? Ft. Iyia Liu | Episode 176
16 Jun 2024
Contributed by Lukas
We sit down with multi-million dollar business owner, Iyia Liu, to gain insights into the world of side hustles. From starting small to scaling up, Iy...
5 Things Draining Your Bank Account | Episode 175
13 Jun 2024
Contributed by Lukas
We dive into five money drains that might be silently eating away at our finances. It's crucial to understand where our money goes, even on seemin...
First Home Buyer Tips & Traps | Episode 174
11 Jun 2024
Contributed by Lukas
In this episode, we discuss tips for first home buyers. Avoid traps like poor building materials, unconsented works, and leasehold properties. Learn s...
From University Student to 7-Figure Business Owner Ft. Iyia Liu | Episode 173
09 Jun 2024
Contributed by Lukas
Discover how Iyia Liu turned from a university student to the owner of four seven-figure businesses as she shares her journey to success. This episode...
Are Stocks the Best Way to Get Rich? | Episode 172
06 Jun 2024
Contributed by Lukas
We explore the unpredictable nature of the stock market, discussing the 2018 study where randomly selected stocks outperformed top fund managers, reve...
Why Is Having A Credit Card A Bad Idea? | Episode 171
04 Jun 2024
Contributed by Lukas
Join us as we tackle the misconceptions about credit cards, highlighting how they can lead to bad financial habits and crippling debt. This episode i...
Should You Cancel Life Insurance And Save Instead? Ft. Partners Life Chief Actuary Kate Dron | Episode 170
02 Jun 2024
Contributed by Lukas
Join us as we talk with Kate Dron, Chief Actuary at Partners Life, about the risks of canceling life insurance and why it's crucial to keep it for...
Is Now A Good Time To Buy A House? | Episode 169
30 May 2024
Contributed by Lukas
We explore if now is the perfect time to buy a house. With house prices low and interest rates expected to drop, we discuss why this could be a great ...
Will BlackRock Own All Property In New Zealand? | Episode 168
28 May 2024
Contributed by Lukas
We explore the trend of big investors buying homes in the U.S. and its potential impact on New Zealand. With predictions of U.S. investors owning 60% ...
How To Make The Most Of KiwiSaver & Grow Your Balance | Episode 167
27 May 2024
Contributed by Lukas
We break down KiwiSaver, covering its benefits, risks, and the importance of making an active choice. This episode is proudly sponsored by ...
R.I.P First Home Grant, What Will This Mean For Buyers? | Episode 166
23 May 2024
Contributed by Lukas
We say goodbye to the First Home Grant and discuss the financial implications for first home buyers. We also explore and outline alternative strategie...
How This Single Mother Bought A House While On The Benefit | Episode 165
22 May 2024
Contributed by Lukas
The incredible journey of a single mother who managed to buy her own home while living on an annual income of $46,000. This episode is proudly sponso...
The Beginners Guide To Shares Ft. Sharesies Co-Founder Sonya Williams | Episode 164
20 May 2024
Contributed by Lukas
Sonya Williams, Co-Founder of Sharesies, breaks down the essentials of getting started with shares, making the process approachable and understandable...
How $50 Built One Of NZ’s Most Successful Start-Ups Ft. Sharesies Co-Founder Sonya Williams | Episode 163
18 May 2024
Contributed by Lukas
We sat down with Sonya Williams, Co-Founder of Sharesies, to take a look into the process of building one of New Zealand's most successful start-u...
Petrol vs EV Cars: Do Electric Cars Actually Save You Money? | Episode 162
15 May 2024
Contributed by Lukas
James and Mike discuss whether petrol or electric cars are more cost-effective, exploring whether electric cars can truly save you money. This episode...
Budgeting 101: How To Create A Budget And Stick To It | Episode 161
12 May 2024
Contributed by Lukas
In this week's episode of Cheques & Balances: The Takeover, Jess and Makayla explore the basics of budgeting, covering everything from income ...
How To Help Your Parents If They Are Behind Financially | Episode 160
09 May 2024
Contributed by Lukas
With statistics showing a concerning trend of Kiwis struggling post-retirement, Mike and James discuss how to help your parents if they are behind fin...
Quarterly Market Update: Q2 2024 | Episode 159
07 May 2024
Contributed by Lukas
Mike and James provide a quarterly market update, covering key areas such as share market performance, global GDP trends, and economic outlooks. This...
5 Things Millionaires Don't Want You To Know | Episode 158
06 May 2024
Contributed by Lukas
Join Mike and James as they explore the results of the biggest survey ever done on millionaires, uncovering the habits that make and keep them rich wh...
How To Increase Your Cash Flow On Your Property Ft. Matthew Harris | Midweek Episode
03 May 2024
Contributed by Lukas
Join us on this Midweek Episode as we discuss how to increase your property's cash flow with Lighthouse's Managing Director, Property Investor...
5 Signs You're Stuck In The Middle Class | Midweek Episode
01 May 2024
Contributed by Lukas
We've covered the 5 Signs You're Poor and the 5 Signs You're Rich. Now, let's explore the 5 Signs You're Stuck In The Middle Class...
Mike & James Buy A House Together Ft. Amy Stevens Founder Of Slice | Episode 157
29 Apr 2024
Contributed by Lukas
Join Mike and James as they sit down with Amy Stevens, Founder of the first home buyers platform, Slice, to embark on their journey to (hypothetically...
30% Of 2024 Has Passed, Are You Still On Track Towards Your Goals? | Midweek Episode
26 Apr 2024
Contributed by Lukas
In this week's Midweek Episode, we take stock as 30% of 2024 is already gone – are you on track with your goals? Tune in to learn how to make th...
Your Guide To Getting A Mortgage The First Time Ft. Makayla Edwards | Midweek Episode
24 Apr 2024
Contributed by Lukas
We're joined by Makayla from Lighthouse's Mortgage team to share expert advice on applying for mortgages and avoiding common mistakes. This ep...
Why Your Uber Eats Bill Is About To Get More Expensive Ft. Matthew Harris | Episode 156
22 Apr 2024
Contributed by Lukas
Find out why platforms like Uber and AirBNB are about to get a whole lot more expensive as Matt Harris joins us to talk on the reinstatement of the &q...
How These 2 Tax Changes Will Change The Property Market Ft. Matthew Harris | Midweek Episode
19 Apr 2024
Contributed by Lukas
In this week's Midweek Episode, we're back with Lighthouse’s Managing Director, Property Investor, and Developer, Matt Harris to break down ...
How This Couple Bought A House In 4 Weeks Ft. Jess Hargreaves | Midweek Episode
17 Apr 2024
Contributed by Lukas
Join us as we chat with Jess Hargreaves from Lighthouse to uncover the secrets behind how her and her partner managed to purchase a house in just four...
Why Mothers Could Lose Up To $300K In Retirement Ft. Stephanie Pow | Episode 155
15 Apr 2024
Contributed by Lukas
We welcome back Stephanie Pow, Founder of Crayon, to discuss the financial challenges faced by mothers due to the 'motherhood penalty', includ...
The Hot New Housing Trend You NEED To Know Ft. Ilse Wolfe | Midweek Episode
12 Apr 2024
Contributed by Lukas
Property Coach, Ilse Wolfe, joins us to discuss the hot new housing trend that property investors NEED to know about. This episode is proudly sponsore...
Why Inheritances Will Ruin Your Kids | Midweek Episode
10 Apr 2024
Contributed by Lukas
Find out why inheritances can cause family problems and hurt your kids. We explore the challenges of passing down wealth and give you simple tips to h...
Does Living Next To A School Zone Increase Property Value? Ft. Alex Martelli | Episode 154
08 Apr 2024
Contributed by Lukas
Is living in a top school zone really worth $500K? Join us as we chat with Buyer's Agent, Alex Martelli, to unpack whether proximity to schools im...
How Much Does A Destination Wedding Cost? | Midweek Episode
04 Apr 2024
Contributed by Lukas
Join us for another episode of Am I The A**hole where we delve into Reddit's community dilemmas. This week, we tackle the ethics of declining dest...
Are Term Deposits Worth It? | Midweek Episode
02 Apr 2024
Contributed by Lukas
Term Deposits, are they worth it? In this week's Midweek Episode, we weigh the pros and cons of term deposits against alternative investments. Thi...
Matt's Property Predictions For 2024 Ft. Matthew Harris | Episode 153
31 Mar 2024
Contributed by Lukas
Step into the future of property investment with Matt Harris as he unveils his predictions for the New Zealand property market in 2024. This episode ...
Should You Sell Your Home To Pay Off Debt? Ft. Cat Emerson | Midweek Episode
27 Mar 2024
Contributed by Lukas
Join us as we delve into real-life financial dilemmas sourced from The Mum Hub community page on Facebook, featuring Cat Emerson. From managing overwh...
5 Signs You're Wealthier Than You Think | Midweek Episode
26 Mar 2024
Contributed by Lukas
From debunking the status game to underlining the significance of financial planning, this week's Midweek Episode offers invaluable insights to re...
Day In The Life Of A CEO Ft. Kiwibank CEO Steve Jurkovich | Episode 152
24 Mar 2024
Contributed by Lukas
We sat down with Steve Jurkovich, CEO of Kiwibank, to delve into the multifaceted world of leadership. From navigating public scrutiny to embracing fa...
How To Retire A Millionaire | Midweek Episode
21 Mar 2024
Contributed by Lukas
In this week's Midweek Episode, we dissect a listener's KiwiSaver concerns, unveiling the roadmap to retiring a millionaire. This episode is p...
Am I The A**hole? Pt. 3 | Midweek Episode
19 Mar 2024
Contributed by Lukas
Get ready for another wild Reddit adventure! This time, we're diving into a husband's jaw-dropping $300,000 crypto loss and the age-old debate...
Parental Leave Policies You Need To Know Ft. Stephanie Pow | Episode 151
17 Mar 2024
Contributed by Lukas
In a game of true or false with Stephanie Pow, Founder of Crayon, we uncover the startling truths about parental leave policies and their wide-reachin...
Is Renting A Waste Of Money? | Midweek Episode
14 Mar 2024
Contributed by Lukas
In this week's Midweek Episode, we tackle the question: Is renting a waste of money? We break down the costs and societal pressures involved, givi...
What Is The Best Way To Invest $100K? | Midweek Episode
12 Mar 2024
Contributed by Lukas
In this week's Midweek Episode, we went down the deep dark hole that is Reddit's r/personalfinancenz forum, providing insights and advice draw...
NZ’s First Woman To Sell For $1 Billion Ft. Naomi Ballantyne | Episode 150
10 Mar 2024
Contributed by Lukas
From humble beginnings to overcoming complex challenges, Naomi's story offers profound insights into the spirit of entrepreneurship, resulting in...
Is University Worth It? | Midweek Episode
07 Mar 2024
Contributed by Lukas
Degrees vs. Dollars – Is University Worth It? In this week's Midweek Episode, we delve into the age-old question, is a degree necessary for succ...
Euro Summer Or Save For A House? | Midweek Episode
05 Mar 2024
Contributed by Lukas
Curious about our own spending choices? From summer splurges to home investments, get an inside look into how we manage our money. This episode is pr...
Top 3 Economic Trends For New Zealand Ft. Chief Economist Jarrod Kerr | Episode 149
03 Mar 2024
Contributed by Lukas
Join us as we explore "What Would Jarrod Do?" with Jarrod Kerr, Chief Economist at Kiwibank. We tap into his insights on economic matters, f...
5 Signs You're Poor | Midweek Episode
29 Feb 2024
Contributed by Lukas
From living paycheck to paycheck to setting financial goals, Mike and James discuss practical tips and real talk about securing your financial future!...
Am I The A**hole? Pt. 2 | Midweek Episode
27 Feb 2024
Contributed by Lukas
We're stepping into the wild world of 'Am I the A**hole?' once again as we unravel tales of open relationships and financial dilemmas from...
What's REALLY Going To Happen In 2024 Ft. Chief Economist Jarrod Kerr | Episode 148
25 Feb 2024
Contributed by Lukas
We sat down with KiwiBank's Chief Economist, Jarrod Kerr, as he offers crucial insights into economic challenges and strategies for resilience. C...