Cheques and Balances

Real money questions from listeners - covering KiwiSaver, investing, mortgages, and how to actually build wealth in New Zealand.
In this Listener Hotline episode, financial advisors James and Jess answer real audience questions about KiwiSaver contributions, emergency funds, investing during market volatility, retirement planning, spending habits, term deposits vs shares, and whether couples should buy property together.
The conversation breaks down practical money decisions many Kiwis face - from saving for a first home and managing debt to building long-term wealth and avoiding common financial mistakes.

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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.

Meth contamination in NZ property is a growing risk that buyers and investors often overlook.In this episode we explain how meth contamination happens, the testing process, remediation costs, new 2026 standards, and why banks are tightening lending when meth is detected in a property.

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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.

War headlines are everywhere - but what could global conflict actually do to interest rates?In this episode, the team breaks down how the US-Iran conflict, rising oil prices, and global economic uncertainty could affect inflation, the Reserve Bank’s decisions, swap rates, and ultimately the interest rates Kiwis pay on their mortgages.Tune into Markets, Mystics and Mayhem to learn more

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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.

While the human cost of war is devastating, many investors are asking the same question - what does it mean for markets?In this episode, James and Jess break down the Iran conflict and its impact on markets, oil prices, petrol costs and inflation, explaining why crude oil has surged nearly 50%, how global markets have reacted so far, and what long-term investors should actually do when geopolitical events shake the headlines.

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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.

Ignore your taxes long enough and the problem doesn’t disappear - it multiplies.
In this episode James sits down with Lighthouse Senior Accountant Vinay Reddy and Managing Director Matt Harris to unpack real accounting horror stories - from business owners who haven’t filed returns for years to IRD investigators turning up at workshops - and explain how penalties, interest, GST obligations, and poor tax structures can quickly snowball into major financial stress.
Next Steps: If you’re unsure whether your tax situation is set up properly, the Lighthouse Accounting team can help you review your structure and get everything back on track before small problems turn into big ones.

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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.