Cheques and Balances

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.

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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.

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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.

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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.

They paid off $45,000 of debt in months and didn’t feel restricted doing it.
In this final episode of Inside a Financial Plan, we review Rachel and Dion’s progress since October - breaking down their budget using PocketSmith, selling down shares to reduce their mortgage, setting up a separate rental property account, restructuring KiwiSaver into a high-growth fund, upgrading insurance, and navigating the mindset shift from “grow at all costs” to building wealth with clarity and choice.

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.

KiwiSaver holds $145 billion so why are so many Kiwis still heading for a broken retirement?

In this episode, we’re joined by Dean Anderson, Founder and CEO of Kernel, to unpack what’s holding KiwiSaver back - from weak incentives and disengaged members to election-year policy risks, default fund underperformance, gaps for the self-employed, and why short-term political decisions could cost New Zealand decades of future wealth.

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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.