Why Revolving Credit Will Ruin Your Life | Episode 357
Revolving credit might feel like financial freedom - but for most people, it can be a fast track to long-term debt. In this episode, we unpack how revolving credit works, the pros and cons, why it can be a trap for poor budgeting habits, and smarter strategies to pay off your mortgage faster.Next Steps: If your revolving credit is holding back your financial progress, talk to the Lighthouse Mortgages team about restructuring to a plan that actually works for you.For more money tips follow us on:FacebookInstagramThe 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.
--------
9:43
--------
9:43
Retirement Crisis: NZ’s Ageing Population | Episode 356
Nearly 1 in 4 Kiwis will be over 65 by 2050 - and that’s not just grey hairs, it’s an economic shake-up. In this episode, we break down what an ageing population means for New Zealand’s workforce, housing, retirement system, and future tax burden - and what needs to change before it's too late.Next Steps: Want to take control of your financial future? Join our next free webinar where we cover everything from buying your first home to preparing for retirement. Register hereFor more money tips follow us on:FacebookInstagramThe 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.
--------
15:38
--------
15:38
Step by Step Guide: How To Get Your First Mortgage | Episode 355
Think getting your first mortgage is confusing? We break it all down - from KiwiSaver strategies and saving hacks to bank vs broker comparisons and how to boost your approval odds.We guide first home buyers through the entire mortgage process, including deposit options, gifting rules, pre-approval conditions, and common pitfalls - plus how to know if you're ready sooner than you think.Next Steps: need help figuring out your deposit or what banks will lend you? Talk to a Lighthouse mortgage advisor and find out what options are actually available to you .For more money tips follow us on:FacebookInstagramThe 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.
--------
18:21
--------
18:21
4 Reasons Why You Won’t Retire At 65 | Episode 354
Think you’re on track for retirement? Think again. We unpack the four biggest mistakes that are quietly derailing Kiwi retirement plans - from mortgage stress and poor financial habits to over-reliance on KiwiSaver and underestimating the true cost of retirement.Next Steps: Worried about whether you're financially ready for retirement? Chat to Lighthouse Wealth to build a financial plan that gives you confidence and control. For more money tips follow us on:FacebookInstagramThe 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.
--------
16:58
--------
16:58
Are Kiwis Giving Up on Property? | Episode 353
Some Kiwis are walking away from property - but is that the right move?We break down why public sentiment is shifting, the risks of short-term thinking, and the structural changes in the market - from mortgage stress and declining yields to smarter buying strategies and new pathways into homeownership.Next Steps: Ready to buy your first home but not sure where to start? Chat with the expert brokers at Lighthouse Mortgages - they'll help you structure your loan, stress test your budget, and find the best deal for your situation.For more money tips follow us on:FacebookInstagramThe 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.
Whether you're buying your first home, tackling debt, or building long-term wealth, we’ll show you how to make smarter money moves. With over 20 years of combined experience as qualified financial advisers, James Blair and Michael Vincent share straight-talking advice, practical strategies, and real conversations about money - all to help you take control of your financial future with confidence.
Check out our website below:
lighthousefinancial.co.nz
New Zealand