Cheques and Balances

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.

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.

Property or shares - which one will actually build wealth for the next generation?
In this episode, James and Michael break down the long-running debate between property and shares, exploring historical returns, whether housing growth could slow in the future, how KiwiSaver and share investing are changing younger investors’ behaviour, and what it could mean for New Zealand’s economy if wealth shifts away from property.

We’re picking one Cheques & Balances listener to build a personalised financial plan with and we’ll document the entire journey on the podcast.

Next steps: Book a ⁠KiwiSaver check-up⁠ with our team to make sure your fund, contributions, and wider strategy are aligned before these changes take effect.

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.

Could the KiwiSaver changes really mean an extra $100,000 at retirement - and is locking that money away actually the smartest move?
In this episode, Jess and Makayla break down the increase from 3% to 3.5% and then 4%, explain how that seemingly small shift could materially grow your retirement balance, and debate whether contributing more to KiwiSaver stacks up against paying down your mortgage, investing outside the scheme, or using it for your first home - plus what you should review before the changes take effect.

Next steps: Book a KiwiSaver check-up with our team to make sure your fund, contributions, and wider strategy are aligned before these changes take effect.

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.

New Zealand works harder than ever - so why does it feel like we’re falling behind?In this episode, we sit down with Chlöe Swarbrick, co-leader of the Green Party, to unpack wealth tax, inequality, productivity, housing, KiwiSaver, capital gains, and why New Zealand’s economy is stuck in a loop of speculation instead of innovation.

Chlöe does not endorse any products or services provided as per Parliamentary standards.

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.

Most of the tax advice you see online isn’t just wrong - it could cost you thousands.
In this episode, James sits down with Lighthouse Senior Accountant Vinay Reddy and Managing Director Matt Harris to react to the worst tax advice online and break down what you can actually claim, what you can’t, and the costly mistakes business owners make.
Next Steps: Bad tax advice can cost you real money - if you want clarity and confidence in your structure, speak to the Lighthouse Accounting 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.