Cheques and Balances
Episodes
Dogs Vs Kids: Which Is Cheaper? Ft. Ravi Chand | Midweek Episode
22 Feb 2024
Contributed by Lukas
From daycare dilemmas to unexpected vet bills, we dive into the financial reality of parenting pups and raising kids. This episode is proudly sponsore...
What Is A CCC? | Midweek Episode
20 Feb 2024
Contributed by Lukas
From navigating building standards to insider tips, Mike and James dive into the world of CCC's. The content in this podcast is the opinion of th...
The Cost Of Childcare Ft. Stephanie Pow | Episode 147
18 Feb 2024
Contributed by Lukas
From financial strains to workforce barriers, we sat down with Stephanie Pow from Crayon to unpack the real-life challenges families face surrounding ...
What Are Your Odds Of Winning The Lottery? | Midweek Episode
15 Feb 2024
Contributed by Lukas
Ready to roll the dice on lottery odds? Mike and James uncover the harsh truths and myths behind winning big. The content in this podcast is the opini...
Am I The A**hole? Pt. 1 | Valentine's Day Special
13 Feb 2024
Contributed by Lukas
Love, finance, and Moncler jackets. James and Mike sit down to unravel the tangled web of dating and financial woes straight from the depths of Reddit...
How Much Does The Bank Make Off You? | Episode 146
12 Feb 2024
Contributed by Lukas
Ever wondered how much the bank truly makes off you? We dive deep into the numbers and uncover the hidden truth behind your home loan journey! Check o...
Gen Z's Hidden Strategy: Live Now, Get Rich Later | Midweek Episode
06 Feb 2024
Contributed by Lukas
Soft serve or soft savings? James and Mike discuss the emerging trend of Gen Z prioritising the joys of life over concerns about retirement. The cont...
Mike And James Predict The Future (2024 Update) | Episode 145
05 Feb 2024
Contributed by Lukas
We evaluate our 2023 predictions and spice things up with a forecast for the financial landscape of 2024, sprinkled with some juicy insights into upco...
Decoding Debt-to-Income Ratios | Midweek Episode
31 Jan 2024
Contributed by Lukas
This week, James and Mike sit down to explore the intricacies of the latest proposed debt-to-income ratios. The content in this podcast is the opinion...
What Caused 2023's 'Everything' Rally? | Episode 144
30 Jan 2024
Contributed by Lukas
We explore the unexpected market events of 2023 and the factors behind the remarkable 'Everything' Rally. Check out the full episode here F...
Don’t Make NY Resolutions – Do This Instead | Episode 143
22 Jan 2024
Contributed by Lukas
Inspired by James Clear's groundbreaking book "Atomic Habits", we explore the transformative power of creating systems rather than merel...
Want To Start A Business? Key Business Principles You Need To Know Ft. Matthew Horncastle | Midweek Episode
16 Jan 2024
Contributed by Lukas
We're joined by Matthew Horncastle to talk through his top business tips for any entrenpenuer in 2024. The content in this podcast is the opinion ...
Building $1 Billion Of Property Before 30 - An Interview With Matthew Horncastle | Episode 142
15 Jan 2024
Contributed by Lukas
To kick off the 2024 year, we're joined by Matthew Horncastle, Managing Director At Williams Corporation. Matthew Horncastle has come from a stro...
Our Last Podcast | Midweek Episode
12 Dec 2023
Contributed by Lukas
.... for the year. James and Mike wrap up 2023 and give their thoughts on what to expect in 2024 The content in this podcast is the opinion of the hos...
The Best NZ Regions To Invest In Over The Next 5 Years | Episode 141
11 Dec 2023
Contributed by Lukas
Over the past five years, the housing market in New Zealand has experienced significant growth. However, this growth hasn't been uniform across th...
How To Set Your Kids Up For Success Ft. Greg Munt | Midweek Episode
05 Dec 2023
Contributed by Lukas
This week we dive deep with Greg Munt about how to set your kids up for success early on in life. The content in this podcast is the opinion of the ho...
When Property Investors Will Be Cashflow Positive Again | Episode 140
04 Dec 2023
Contributed by Lukas
We explore the various factors contributing to the current cash flow dilemma for property investors and discuss when the market might tilt in their fa...
How One Book Made Him Millions - An Interview With Greg Munt | Midweek Episode
29 Nov 2023
Contributed by Lukas
This week we catch up with business owner and entrepreneur Greg Munt to talk about how one book changed his life and his journey. If you'd like ...
How Much Car You Can Afford (By Salary) | Episode 139
27 Nov 2023
Contributed by Lukas
Outside of a house, a car is usually one of the biggest financial purchases most people make, multiple times during their lives. This episode provides...
Why A Bach Is A Terrible Investment - We Crunch The Numbers | Episode 138
19 Nov 2023
Contributed by Lukas
In this episode, we explore the financial and lifestyle considerations of bach ownership, unraveling the truth behind this cherished Kiwi dream. Chec...
We Rank Our Best And Worst Clients | Midweek Episode
15 Nov 2023
Contributed by Lukas
This week James and Mike cancel themselves by ranking their best and worst clients by profession. The content in this podcast is the opinion of the h...
How To Survive 7% Interest Rates | Episode 137
13 Nov 2023
Contributed by Lukas
Are you (or know someone who is) losing sleep at night over 7% interest rates? This episodes for you. We go through the 4 steps to tackle high interes...
What Happens When You Miss A Loan Repayment | Midweek Episode
07 Nov 2023
Contributed by Lukas
This week we ask Mike what happens when you miss a loan repayment on your mortgage. The content in this podcast is the opinion of the hosts. It should...
Our Top 5 Tips When Getting A Divorce Ft. Amanda Donovan | Episode 136
06 Nov 2023
Contributed by Lukas
Dividing property during a separation or divorce can be a challenging and emotionally charged process. We talked to Amanda Donovan, Director at Haigh ...
Justin Bieber And Paris Hilton Sued Over "Financial Scam" - A Review Of The NFT Market | Midweek Episode
01 Nov 2023
Contributed by Lukas
Mike and Jame discuss the recent news from the NFT and crypto space. The content in this podcast is the opinion of the hosts. It should not be treated...
Revealed: How Much Kiwi's Spend In Retirement Ft. Ben Brinkerhoff | Episode 135
30 Oct 2023
Contributed by Lukas
Were joined by Ben Brinkerhoff to delve into the critical topic of retirement savings. Consilium recently published the newly released Retirement Expe...
Women and Property Event Recap Ft. Ilse Wolfe
25 Oct 2023
Contributed by Lukas
In this episode we recap our latest 'Women and Property' event with Ilse Wolfe The content in this podcast is the opinion of the hosts. It sho...
10 Best Strategies For Investing Ft. Ben Brinkerhoff
24 Oct 2023
Contributed by Lukas
This week we have Ben Brinkerhoff, Head of Advice at Consilium here to talk about how you can improve your chances of success in investing. We'll ...
How To Transition Career Ft. Ash Solly
17 Oct 2023
Contributed by Lukas
This week we have a chat with Ash Solly, a financial adviser at Lighthouse Financial to chat about transitioning careers. The content in this podcast ...
The Science Of Spending Ft. Ben Brinkerhoff | Episode 134
15 Oct 2023
Contributed by Lukas
This week we're joined by Ben Brinkerhoff from Consilium to talk about "the science of spending". Check out the full article here For...
Webinar Special: How To Protect You And Your Family - Insurance
10 Oct 2023
Contributed by Lukas
Learn about all the essential parts of protecting your wealth through the right insurance. The content in this podcast is the opinion of the hosts. I...
How To Negotiate On A Property Ft. Emma Duncan | Episode 133
09 Oct 2023
Contributed by Lukas
This week we're joined by Emma Duncan from Anne Duncan Real Estate to talk about her top negotiating tips on property. Check out the full articl...
The Bank News You Need To Know! | Midweek Episode
03 Oct 2023
Contributed by Lukas
This week Mike gives us an update on the latest bank and mortgage news. The content in this podcast is the opinion of the hosts. It should not be tre...
Financial Advisers React To ChatGPT Financial Advice | Episode 132
02 Oct 2023
Contributed by Lukas
This week James and Mike react to financial advice provided by ChatGPT. We ask a range of questions from investment advice to prenups and review the a...
Webinar Special: Contractors 101 - How To Succeed As Your Own Boss | Midweek Episode
26 Sep 2023
Contributed by Lukas
Our business accounting specialists will go through everything you need to know to financially succeed as your own boss, including long-term planning,...
Election Special: What Happens To House Prices Under A National Or Labour Government? | Episode 131
24 Sep 2023
Contributed by Lukas
We got over 30 years of data from Valocity to see if and how house prices change under a National or Labour government. A huge thank you to our partn...
Should You Use A Buyer's Agent? Ft. Alex Vincent Martelli | Episode 130
17 Sep 2023
Contributed by Lukas
In New Zealand, most houses are sold by one real estate agent who works for the seller. Even though this agent has to be fair to everyone, they mainly...
The 10 Commandments Of Building Wealth - Lighthouse Financial x Keep The Change | Midweek Episode
12 Sep 2023
Contributed by Lukas
Join Luke Kemeys from Keep The Change and James Blair from Lighthouse Financial for an interactive webinar where they go through the fundamental wealt...
Election Special: An Interview With David Seymour - ACT Party Leader | Episode 129
10 Sep 2023
Contributed by Lukas
The thoughts and opinions shared in this podcast, including those from our guest David Seymour, may not match the views of our podcast, its hosts, or ...
The 10 Commandments Of Building Wealth Q&A - Lighthouse Financial x Keep The Change | Midweek Episode
06 Sep 2023
Contributed by Lukas
James sits down with Luke from Keep The Change to discuss your questions from August's webinar - The 10 Commandments Of Building Wealth. The con...
Women And Property Ft. Ilse Wolfe | Midweek Episode
05 Sep 2023
Contributed by Lukas
This week we're joined by Ilse Wolfe, property investor and coach to talk about how women can create independence by investing in property. Inte...
Why You NEED a Will Ft. Shaun McGivern | Episode 128
04 Sep 2023
Contributed by Lukas
For most people, a will is often their main asset planning tool which means it is important to ensure it is robust, clearly written and technically co...
Thank You | Money Month Episode 31
30 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Value Your Time | Money Month Episode 30
29 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Mindset Of Abundance Instead Of Scarcity | Money Month Episode 29
28 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Your Network Is Your Net Worth | Money Month Episode 28
27 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Credit Cards Don’t Get You Ahead 99% Of The Time | Money Month Episode 27
27 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Counter-cyclical Investing | Money Month Episode 26
25 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
No One Is Going To Make You Rich | Money Month Episode 25
24 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Do You Need To Dress For Success? | Money Month Episode 24
24 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Gambling Vs. Investing | Money Month Episode 23
23 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
If You Can't Manage 50K, You Can't Manage 500K | Money Month Episode 22
22 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Paralysis By Analysis | Money Month Episode 21
21 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Watch Out For These Investment Scams | Money Month Episode 20
19 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Poor Households vs. Wealthy Households | Money Month Episode 19
18 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Create Your Power Team | Money Month Episode 18
18 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Why Recessions Will Forever Happen | Money Month Episode 17
17 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
It's Never Too Late | Money Month Episode 16
15 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Why You Won't Get Superannuation | Money Month Day 15
14 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Should You Be Scared Of Debt? | Money Month Day 14
13 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Does Money Buy Happiness? | Money Month Day 13
12 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Talking Money With Your Partner | Money Month Day 12
11 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Save For Short Term Goals | Money Month Day 11
10 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Keeping Up With The Joneses | Money Month Day 10
09 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Build Healthy Habits | Money Month Day 9
08 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Why AfterPay Will Keep You Broke | Money Month Day 8
07 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Increase Your Income | Money Month Day 7
06 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Pay Off Consumer Debt | Money Month Day 6
05 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Understanding Good And Bad Debt | Money Month Day 5
04 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Build An Emergency Fund | Money Month Day 4
03 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Create A Budget | Money Month Day 3
02 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
How To Set Clear Goals | Money Month Day 2
01 Aug 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Welcome To Money Month! | Money Month Day 1
31 Jul 2023
Contributed by Lukas
August is Sorted's Money Month! To celebrate we're doing one podcast a day taking it back to basics, from how to build a budget, to paying off...
Cashflow Hacking 101 Ft. Ilse Wolfe | Episode 127
31 Jul 2023
Contributed by Lukas
Ilse Wolfe joins us on Cheques and Balances to chat about how to find cashflow in property investments. The content in this podcast is the opinion of ...
How To Do Due Diligence On A New Build Ft. Shaun McGivern
26 Jul 2023
Contributed by Lukas
This week we have Shaun McGivern from Haigh Lyon Lawyers to talk about how to do due diligence on a new build contract. The content in this podcast is...
Why You Need A Prenup Ft. Amanda Donovan | Episode 126
24 Jul 2023
Contributed by Lukas
This week we're joined by Amanda Donovan from Haigh Lyon Lawyers to talk about contracting out agreements. Check out the full article here: http...
What The Latest LVR Changes Mean For You | Midweek Episode
19 Jul 2023
Contributed by Lukas
This week we discuss what the latest LVR changes mean for you. The content in this podcast is the opinion of the hosts. It should not be treated as f...
Why Aren't Rents Keeping Up With Property Costs? Ft. Valocity | Episode 125
17 Jul 2023
Contributed by Lukas
Exciting news! We have partnered with Valocity - NZ's leading property valuation and data platform. They will be providing us with market leading ...
Are You Too Poor For A Pet? | Midweek Episode
12 Jul 2023
Contributed by Lukas
This week we react to a viral Keep The Change podcast all about pets. The content in this podcast is the opinion of the hosts. It should not be trea...
From $5,000 to $20 Million before 40 - The Ilse Wolfe Story | Episode 124
10 Jul 2023
Contributed by Lukas
This week we're joined by Ilse Wolfe, Director at Opes Accelerate. Ilse has over 15+ years personal property investment experience, owning a priva...
Webinar Special: How To Build Your Financial Plan Ft. Keep The Change | Midweek Episode
05 Jul 2023
Contributed by Lukas
This week we go through our first webinar with Luke Kemeys from Keep The Change. Join our next webinar on the 10 Commandments Of Building Wealth below...
How To Prepare Your First Property Tax Returns | Episode 123
02 Jul 2023
Contributed by Lukas
This week we're joined by Amanda Quill to go through how to prepare your first year of tax returns for your rental property. Check out the full a...
Why Purchase A New Build? Ft. Juliet Lichtenstein From Colliers | Midweek Episode
27 Jun 2023
Contributed by Lukas
This week were joined by Juliet Lichtenstein, Associate Director of Residential Projects at Colliers to talk about why you should consider a new build...
Hnry vs. Accountants Ft. Amanda Quill | Episode 122
25 Jun 2023
Contributed by Lukas
This week we're joined by Amanda Quill to go through the pros and cons of using Hnry vs. using an accountant Check out the full article here: ht...
Commercial Property 101 Ft. David Burley From Colliers | Midweek Episode
20 Jun 2023
Contributed by Lukas
This week we're joined by David Burley, Auckland Director of Investment Sales at Colliers to talk about all things commercial property. The conte...
How To Budget For A Wedding Ft. Amanda Quill | Episode 121
18 Jun 2023
Contributed by Lukas
This week we're joined by Amanda Quill, Manager here at Lighthouse (and soon to be married) for her top tips on how to budget for your wedding. ...
How To Invest For Your Family Ft Catherine Emerson and Shaun McGivern | Midweek Episode
13 Jun 2023
Contributed by Lukas
This week we're joined by Catherine Emerson from Kernel Wealth and Shaun McGivern from Haigh Lyon Lawyers for an audio version of our recent "...
Property vs. Shares - The Ultimate Showdown | Episode 120
11 Jun 2023
Contributed by Lukas
The age old question - What provides better results, property or shares? We go through a case study, comparing a hypothetical ten-year investment in t...
38% Yearly Returns! Should You Invest In Developer Funds? | Midweek Episode
07 Jun 2023
Contributed by Lukas
This week we delve into developer funds and whether you should invest in them For more money tips follow us on: Facebook - https://www.facebook.com...
Financial Scams You Need To Avoid | Episode 119
05 Jun 2023
Contributed by Lukas
Around one in five Kiwis has been targeted by an investment scam. Here's all the common financial scams you need to avoid. Check out the full art...
How To Be An "Ethical" Property Investor Ft. Matthew Harris | Midweek Episode
30 May 2023
Contributed by Lukas
This week we're joined by Matthew Harris to talk about how to be an "ethical" property investor. The content in this podcast is the opi...
Habits Of Wealthy People | Episode 118
28 May 2023
Contributed by Lukas
Understanding the habits that contribute to financial success is paramount in today's economic climate. These habits are not exclusive to wealthy ...
Are Trusts Now Worthless? What The New Trust Tax Rates Mean For You Ft. Matthew Harris | Midweek Episode
23 May 2023
Contributed by Lukas
This week we have Matthew Harris on to talk about the implications of the new trust tax rules. For more money tips follow us on: Facebook - https:/...
Habits Of Poor People | Episode 117
22 May 2023
Contributed by Lukas
We go through the top habits that lead to a poor mindset. Check out the full article here: https://lighthousefinancial.co.nz/habits-of-poor-people ...
Should NZ Have A Wealth Tax? Ft. Matthew Harris | Midweek Episode
17 May 2023
Contributed by Lukas
This week we discuss if NZ should have a wealth tax. For more money tips follow us on: Facebook - https://www.facebook.com/lighthousefinancialnz In...
Top 5 Mistakes We See Clients Make | Episode 116
14 May 2023
Contributed by Lukas
We’ve supported over 4,000 NZ families and individuals in navigating their finances. Over time, we’ve noticed several common mistakes our clients ...
What You Need To Know About Sharesies' KiwiSaver Scheme Ft. Catherine Emerson | Midweek Episode
10 May 2023
Contributed by Lukas
This week we're joined by Catherine Emerson to chat about Sharesies' New KiwiSaver Scheme and the pros and cons of self managed retirement fun...
We're At The Bottom Baby! - Why The Housing Market Will Turn In May | Episode 115
08 May 2023
Contributed by Lukas
Inflation peaking, the official cash rate, easing LVR rules and increased market activity are just some of the reasons May could be the bottom of the ...
How To Build Your Financial Plan Webinar - Keep The Change & Lighthouse Financial | Midweek Episode
02 May 2023
Contributed by Lukas
James Blair and Luke Kemeys go through all the steps you need to build your financial plan and become financially bulletproof in 2023. A financial pla...
Is The F.I.R.E Movement A Scam? | Episode 114
01 May 2023
Contributed by Lukas
As people look for ways to enjoy their lives outside the confines of a traditional 9-to-5 job, people have been joining the F.I.R.E movement, but what...