Cheques and Balances

Elon Musk says we don’t need to save for retirement - but should we actually believe him?
In this episode, the team breaks down Musk’s viral comments on AI, robots, and the future of work, explores why the idea resonates with so many people, stress-tests the timelines against reality, and explains what relying on tech, KiwiSaver, or “someone else saving us” could really mean for retirement in New Zealand.

Next Steps: AI might change the future, but your retirement still needs a plan. Talk to the Lighthouse Wealth team about building a clear, realistic retirement strategy you can actually control.

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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.

If you haven’t filed your tax return yet, what you don’t know could already be costing you money.
In this episode, the team breaks down how to legally minimise tax, the must-have documents every business owner and property investor should keep, common record-keeping mistakes, deductible expenses like interest and insurance, why structure matters, and when to engage an accountant so your tax strategy isn’t left to the last minute.

Next Steps: If your tax strategy starts in March, you’re already behind start the conversation with Lighthouse Accounting now to get organised early and position yourself for better tax outcomes.

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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.

Is the classic buy-and-hold strategy still enough in today’s property market?
In this episode, we’re joined by Jim Dodd, Founder of Property CEO, to unpack whether long-term holding still stacks up - or if more active strategies like property trading are the smarter path forward - covering how investors can shorten timelines, manage risk, and regain control as growth rates, lending rules, and market conditions shift.
Next Steps: To learn more about property trading and active investment strategies, check out Property-CEO a coaching and mentoring programme helping Kiwis understand the strategies, funding options, and systems used to build wealth through property.

If you’re rethinking your property strategy and want help structuring the right approach whether that’s buy and hold, trading, or a mix of both get in touch with the Lighthouse mortgages team.

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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.

Mortgage rates aren’t rising because of one headline number - there’s a lot more going on behind the scenes.
In this episode, we break down the real drivers behind rising mortgage rates, including wholesale funding costs, swap rates, global uncertainty, and why banks can lift longer-term rates even when the OCR hasn’t moved - plus how borrowers should think about fixing, floating, and avoiding emotional decisions.

Next Steps: Before you react to the headlines or lock in a rate, talk to the Lighthouse Mortgages team to understand what’s really driving your mortgage and what makes sense for you.

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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.

Insurance isn’t about ticking boxes - it’s about protecting the life you’re actually building.
In this episode of Inside a Financial Plan, Lighthouse Insurance Adviser Callum Gilmour breaks down Rachel and Dion’s real insurance setup, covering life, trauma, health, and income protection, how much cover is actually enough, where self-insurance makes sense, and how insurance should change as your assets, income, and priorities evolve.

This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. PocketSmith helps you track, plan, and stay accountable. Start today with 50% off your first two months.

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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.