Cheques and Balances
Detalls del Canal
Cheques and Balances
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...
Episodis Recents
594 episodis
What The Panama Papers Exposed About NZ Trusts Ft. Matt Harris | Episode 498
The world's biggest financial leak changed New Zealand trust law forever.
In this episode, James, Mike and Matt unpack the Panama...
The Right Property For Every Type of Investor Ft. Adam Farrell | Episode 497
Not every property is right for every investor.
In this episode, James and Lighthouse Property Director Adam Farrell break down which property t...
Can ChatGPT Replace Your Mortgage Broker? | Episode 496
Don't mistake information for advice.
In this episode, James and Mike discuss whether ChatGPT can replace a mortgage broker, unpack a real-life...
6 Mistakes Stopping You From Buying an Investment Property ft. Ilse Wolfe | Episode 495
Most people don't miss out on their first investment property because of the market - they miss out because they're focused on the wrong things.
...
Trades vs Degrees: Which Builds More Wealth? | Episode 494
The degree debate is changing.
In this episode, James and Mike break down the real numbers behind trades versus degrees, comparing...
A Thriving Business In A Tough Economy: How Did They Do It? | Episode 492
Most businesses are feeling the pressure but some are still finding ways to grow.
In this episode, James and Jess sit down with Cruze and Pearl,...
Are New Build Townhouses Dead? Ft. Adam Farrell | Episode 492
Not all townhouses are created equal.
In this episode, James and Lighthouse Property Director Adam Farrell break down the oversupply of new buil...
NZ Budget 2026: Did The Government Get It Right? | Episode 491
The Budget is out but will it actually make Kiwis better off?
In this episode, James and Matt break down NZ Budget 2026, discussin...
The Infrastructure Problem Holding NZ Back | Episode 492
Is new infrastructure the answer to NZ’s problems? What if New Zealand’s biggest economic problem isn’t interest rates or housing… but infrastructure?...
Forward Fixing: How To Lock In Your Interest Rate Early | Episode 489
In this episode, we break down what forward fixing actually is, how rate locks work, what rising interest rates could mean for borrowers in 2026, and...
Australia’s Capital Gains Tax Changes: Is NZ Next? | Episode 488
Australia’s tax overhaul could become New Zealand’s opportunity.
In this episode, we break down Australia’s major property and capital gains tax...
National Debt Crisis: Is NZ Broke? | Episode 487
New Zealand’s debt is exploding… but is it actually a problem?
With Budget 2026 around the corner, we break down New Zealand’s $182 billion debt...
Australia's Tax Crisis: New Zealand's Golden Opportunity | Episode 486
Australia just changed the game on tax and New Zealand might be the biggest winner.
In this episode, we break down Australia’s new capital gains...
Why You’re Underprepared For Retirement | Episode 485
Most Kiwis are heading towards retirement with far less than they think they need. The difference between struggling in retirement and living comforta...
Rich vs Wealthy in 2026: Why High Income Isn’t Enough Anymore | Episode 484
More money doesn’t always mean more freedom.In this episode, we break down the difference between being rich and actually building wealth in 2026, inc...
The Problem With Owning Too Much Property | Episode 483
You can own millions in property and still feel financially trapped.
In this episode, we break down why bigger property portfolios don’t always...
The Harsh Reality of Renting in Retirement | Episode 482
Retirement is changing fast and owning a home no longer guarantees financial security.
In this episode, we break down the growing reality of ret...
Will Interest Rates Rise Again? How To Prepare Your Mortgage Now | Episode 481
Interest rates could be heading back up and most mortgage holders aren’t ready for it.
In this episode, we break down why rate rises may not be...
Upgrade Your Home or Buy an Investment Property? | Episode 480
Upgrading your home feels right… but it might be costing you hundreds of thousands in the long run.
In this episode, we break down the real weal...
SpaceX IPO Explained: Should You Buy the Biggest IPO Ever? | Episode 479
The biggest IPO in history is coming… but is it a once-in-a-generation opportunity or a massive trap?
In this episode, we break down the...
What the Oil Crisis Means for Your Portfolio: Q1 Investment Update | Episode 478
Markets held up better than expected but the story underneath is where it gets interesting.
In this quarterly update, we break dow...
$9.3 Billion Tax Bill: Why NZ Businesses Are Struggling | Episode 477
New Zealand’s $9.3 billion tax bill reveals how tax arrears, rising costs, and cashflow pressure are impacting businesses nationwide.
In this ep...
From First Home to Forever Home: How to Upgrade Property in NZ | Episode 467
Upgrading your home isn’t about buying bigger - it’s about making the numbers work.
In this episode, we break down how to actually...
Why New Zealand’s Economy Is Falling Behind (And How to Fix It) Ft. Luke Kemeys & Simon Rolland | Episode 475
New Zealand isn’t broken but the way we think about money, risk, and business might be.
In this episode, we sit down with Luke Kemeys and Simon...
The $3,800% Return: Pokémon Cards vs S&P 500 | Episode 474
Pokémon cards beat the market… but that doesn’t mean they should be your strategy.
In this episode, we break down the eye-watering 3,800% return...
Why 30% of Couples Break Up After Buying a House | Episode 473
Buying a home together might be the dream but for many couples, it’s where things start to fall apart.
In this episode, we unpack...
Why 8/10 People Should Sell Their First Home | Episode 472
Most first homes don’t make good investment properties but people keep holding them anyway.
In this episode, we break down why so...
Why It Feels Harder Than Ever To Get Ahead in New Zealand | Episode 471
It feels harder than ever to get ahead right now - even if you’re doing everything right.
In this episode, we break down the reality behind that...
Property Prices Are Stuck: Should You Buy in 2026? | Episode 470
With NZ property prices flat in 2026, should you be buying or waiting it out?
In this episode, we break down whether 2026 is actually a smart ti...
Fuel Crisis vs COVID: Which Hits NZ Economy Harder? | Episode 469
It feels like COVID all over again… but is it?
In this episode, we break down the key difference between a demand-driven crisis li...
KiwiSaver vs. Property: What Builds More Wealth In Retirement? | Episode 468
KiwiSaver vs your first home deposit… are you building wealth or slowing yourself down?
In this episode, we break down whether you should use y...
OCR Predictions: Petrol Prices Are Spiking - Do Interest Rates Follow? Ft. Jarrod Kerr | Episode 467
In this episode, We sit down with Kiwibank Chief Economist Jarrod Kerr to unpack the upcoming OCR decision, why rising oil prices are driving inflatio...
NZ Economic Update: Inflation Rising, Growth Falling Ft. Jarrod Kerr | Episode 466
Is New Zealand heading into stagflation? Inflation is rising, growth is slowing and the outlook is shifting fast.We sit down with Kiwibank Chief Econo...
The Tax on Shares That’s Costing Kiwi Investors Thousands | Episode 465
Your Sharesies account might be quietly draining thousands in tax and most Kiwis don’t even realise it.We break down how tax actually works on shares...
Is NZ’s Economic Recovery at Risk? The Long Term Effects of the Oil Crisis | Episode 464
A global oil shock could quietly reset New Zealand’s recovery - and most people aren’t ready for the flow-on effects.
In this episode, we break...
A 30 Year-Old’s Retirement Plan | Episode 463
Build a 30 year retirement plan by starting with your first home.In this episode, we use a real first home buyer case study to break down deposits, Ki...
2026 Financial Plan: Step-by-Step to Fix Your Money | Episode 462
If you’re not on track with your 2026 financial plan yet - this is where you fix it.
In this episode, we break down how to build a...
First Home Buyers Guide NZ: Step-by-Step Process | Episode 461
Buying your first home in NZ isn’t about finding “the one” - it’s about not getting burned in the process.
In this 2026 first home buyers guide,...
5 Signs You’ll Have to Work Until 70 (And How to Avoid It) | Episode 460
Most Kiwis won’t realise they’re on track to work until 70… until it’s too late.
In this episode, we break down the 5 key signs yo...
KiwiSaver, Investing & Mortgages: Listener Money Questions | Episode 459
Real money questions from listeners - covering KiwiSaver, investing, mortgages, and how to actually build wealth in New Zealand.
In this Listene...