# Cheques and Balances A podcast by 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 conversations about money - all to help you take control of your financial future with confidence. Check out our website below: lighthousefinancial.co.nz Feed: https://anchor.fm/s/dd0b22a4/podcast/rss ## Latest episodes - [How To Protect Your Financial Plan | Episode 555](https://invisiblenetwork.ai/podcast/1558393606/36f8b6484737) (2026-10-27, 25 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/128197419/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-27%2F435136071-44100-2-cc19164aafa69.mp3 - [The Opportunity Party: Land Tax, Compulsory KiwiSaver & Citizen’s Income Ft. Qiulae Wong | Episode 554](https://invisiblenetwork.ai/podcast/1558393606/23f543b8f6c1) (2026-10-25, 49 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/128052246/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-25%2F434948251-44100-2-15f489401a18.mp3 - [ACT's $300M Property Tax Break: Will Ring Fencing End? Ft. Matt Harris | Episode 553](https://invisiblenetwork.ai/podcast/1558393606/61d5c02ef8c8) (2026-10-22, 17 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/127898909/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-22%2F434746857-44100-2-f8564e11470b7.mp3 - [Real Estate Agent Horror Stories: What Buyers Need to Know Ft. Alex Martelli | Episode 552](https://invisiblenetwork.ai/podcast/1558393606/acb4749c8e59) (2026-10-20, 27 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/127787252/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-20%2F434590852-44100-2-01afd0fdbd54c.mp3 - [The Future of New Zealand Business: Icehouse Ventures CEO Explains | Episode 551](https://invisiblenetwork.ai/podcast/1558393606/d25495ab1e74) (2026-10-18, 44 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/127551339/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-16%2F434274941-44100-2-d617092217f55.mp3 - [Index Funds: Are You Taking More Risk Than You Think? | Episode 550](https://invisiblenetwork.ai/podcast/1558393606/3350f6865b20) (2026-10-15, 23 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/127528907/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-15%2F434244792-44100-2-81b3e69c09a84.mp3 - [Why Property Isn’t Your Retirement Fund | Episode 549](https://invisiblenetwork.ai/podcast/1558393606/2ac6f5dae4a0) (2026-10-13, 24 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/127404746/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-13%2F434075828-44100-2-f5f1e6ba1ee42.mp3 - [Why Foreign Millionaires Are Buying NZ Property Ft. Alex Martelli | Episode 548](https://invisiblenetwork.ai/podcast/1558393606/011a4afe68a6) (2026-10-10, 17 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/127261173/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-10%2F433880489-44100-2-c64bf46fbc883.mp3 - [Tax free KiwiSaver: Could you retire with double? | Episode 547](https://invisiblenetwork.ai/podcast/1558393606/7edc9d16e9a1) (2026-10-08, 25 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/127118262/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-8%2F433704035-44100-2-b38ff1c2f8d5.mp3 - [Chris Hipkins Won’t Touch Interest Deductibility… But What About CGT? Ft. Matthew Harris | Episode 546](https://invisiblenetwork.ai/podcast/1558393606/41ce643cf986) (2026-10-06, 21 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126941825/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-6%2F433484374-44100-2-9a99c7d396b46.mp3 - [NZ’s Economy in 2027: Is the Recovery Finally Coming? Ft. Jarrod Kerr | Episode 545](https://invisiblenetwork.ai/podcast/1558393606/b5e4c5e19def) (2026-10-03, 38 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126750949/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-3%2F433244421-44100-2-198756a57df1d.mp3 - [Kiwis Are Changing How They Invest: Here’s Why Ft. Oliver Mander | Episode 544](https://invisiblenetwork.ai/podcast/1558393606/bb0a57a8a531) (2026-10-01, 27 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126636131/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-9-1%2F433095493-44100-2-7650b50ab6e54.mp3 - [Bought at the 2021 Peak? Here’s What You Can Do Next | Episode 543](https://invisiblenetwork.ai/podcast/1558393606/3170a8f8da36) (2026-09-29, 22 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126497407/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-29%2F432916254-44100-2-7743c893f6d87.mp3 - [LIVE WEBINAR: Property Under Pressure, Rising Rates, Political Risk & Weak Growth](https://invisiblenetwork.ai/podcast/1558393606/f2a25887e57b) (2026-09-27, 90 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126213334/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-23%2F432537410-44100-2-c264c6da19b4d.mp3 - [NZ Businesses Are Going Broke: Is the Worst Yet to Come? Ft. Brent Norling | Episode 542](https://invisiblenetwork.ai/podcast/1558393606/e9e08713eec7) (2026-09-26, 39 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126346452/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-26%2F432718232-44100-2-124c14cdd31c3.mp3 - [How to Retire 10 Years Earlier | Episode 541](https://invisiblenetwork.ai/podcast/1558393606/61c7d726baa3) (2026-09-24, 24 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126250965/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-24%2F432589471-44100-2-941539de47935.mp3 - [The Risk of Getting a Property Valuation Right Now | Episode 540](https://invisiblenetwork.ai/podcast/1558393606/a3996310d7d3) (2026-09-22, 19 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126148482/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-22%2F432448051-44100-2-806bd3b469527.mp3 - [NZ Property Market: Forget 7% Property Growth. Is 3% the New Normal? Ft. Nick Goodall | Episode 539](https://invisiblenetwork.ai/podcast/1558393606/c874b03c5bd5) (2026-09-19, 42 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/126001601/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-19%2F432252380-44100-2-62a675b884111.mp3 - [Could Helping Your Kids Ruin Your Retirement? | Episode 538](https://invisiblenetwork.ai/podcast/1558393606/26976768c1fa) (2026-09-17, 25 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125894581/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-17%2F432113245-44100-2-99f804223a071.mp3 - [Mortgage Application Declined? What to Do When the Bank Says No | Episode 537](https://invisiblenetwork.ai/podcast/1558393606/6363c22b00eb) (2026-09-15, 25 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125775867/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-15%2F431946547-44100-2-31925e3e0c16c.mp3 - [NZ Economy 2026: Is the Worst Finally Over Ft. Brad Olsen | Episode 536](https://invisiblenetwork.ai/podcast/1558393606/52a479b3f080) (2026-09-12, 54 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125646201/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-12%2F431769293-44100-2-6bed13d11b279.mp3 - [The 10 Most Critical Years in Retirement ft. Ben Brinkerhoff | Episode 535](https://invisiblenetwork.ai/podcast/1558393606/9354ee9e645e) (2026-09-10, 44 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125538999/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-10%2F431626988-44100-2-b740bd3284cb1.mp3 - [National Expands 5% Deposits for First Home Buyers: Does It Stack Up? | Episode 534](https://invisiblenetwork.ai/podcast/1558393606/06df322d3859) (2026-09-08, 25 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125406236/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-8%2F431454080-44100-2-a6ff78e7dc27e.mp3 - [OCR Hike: The 5 Factors Driving Mortgage Rates | Episode 533](https://invisiblenetwork.ai/podcast/1558393606/140a3fa4cf5c) (2026-09-05, 19 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125247635/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-5%2F431242855-44100-2-1c1ba15f78f1.mp3 - [The Next Economic Shock: What’s Your Plan? | Episode 532](https://invisiblenetwork.ai/podcast/1558393606/46293690e8ec) (2026-09-03, 21 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125161449/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-3%2F431124789-44100-2-b5bd015d69bfc.mp3 - [New Build Townhouses: Why They Lost 40% in Value | Part 2](https://invisiblenetwork.ai/podcast/1558393606/1d7c1c866d8f) (2026-09-01, 24 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/125047178/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-8-1%2F430973253-44100-2-1185b440eda6d.mp3 - [New Build Townhouses: Why They Lost 40% in Value | Episode 530](https://invisiblenetwork.ai/podcast/1558393606/52fef5b21f4e) (2026-08-29, 15 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124832336/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-27%2F430676092-44100-2-1f1ab0781c5ad.mp3 - [The Best and Worst Property Titles: What Buyers Need to Know | Episode 529](https://invisiblenetwork.ai/podcast/1558393606/f003e7a4b104) (2026-08-27, 20 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124820731/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-27%2F430659956-44100-2-676efe9fbc269.mp3 - [National Promises No New Taxes: Can NZ Afford It? Ft. Matt Harris | Episode 528](https://invisiblenetwork.ai/podcast/1558393606/adff57312860) (2026-08-25, 24 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124717945/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-25%2F430516341-44100-2-51c7ef2cb161d.mp3 - [The Best & Worst KiwiSaver Funds in 2026 Revealed | Episode 527](https://invisiblenetwork.ai/podcast/1558393606/e5bf9234962e) (2026-08-22, 17 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124584581/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-22%2F430334982-44100-2-4f9f40535d6f4.mp3 - [Labour’s Proposed Tax Plan: Could This Save Small Business? Ft Matt Harris | Episode 526](https://invisiblenetwork.ai/podcast/1558393606/bd49d69d2b22) (2026-08-20, 27 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124496867/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-20%2F430216090-44100-2-9000ebbbf216c.mp3 - [1 Million Downloads Special: Our Personal Wealth Journey Part 2](https://invisiblenetwork.ai/podcast/1558393606/db6220130e1c) (2026-08-18, 33 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124396878/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-18%2F430079295-44100-2-8f154b354ce8.mp3 - [Buying Your First Home? 3 Ways Your Parents Can Help | Episode 524](https://invisiblenetwork.ai/podcast/1558393606/9e0b9adaa248) (2026-08-16, 22 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124299066/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-16%2F429946963-44100-2-bdc2d8c68eeec.mp3 - [How to Avoid Going Broke in Retirement | Episode 523](https://invisiblenetwork.ai/podcast/1558393606/11c597cc5824) (2026-08-13, 18 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124180635/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-13%2F429785070-44100-2-0a62dd55152a7.mp3 - [Building an Emergency Fund in a Cost of Living Crisis | Episode 522](https://invisiblenetwork.ai/podcast/1558393606/36429d5e6909) (2026-08-11, 17 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/124079756/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-11%2F429644892-44100-2-ebb043f4483fb.mp3 - [The Future of New Zealand: Sam Stubbs' Plan to Make NZ Wealthier | Part 2](https://invisiblenetwork.ai/podcast/1558393606/bacf13b961bd) (2026-08-09, 25 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123977696/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-9%2F429506520-44100-2-65a187533c914.mp3 - [The Future of New Zealand: Why Sam Stubbs Is So Optimistic | Part 1](https://invisiblenetwork.ai/podcast/1558393606/0d189dc9361c) (2026-08-06, 28 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123865594/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-6%2F429350023-44100-2-23474b4dc1ee9.mp3 - [How to Build Wealth for Retirement: 5 Investing Rules Everyone Should Know | Episode 519](https://invisiblenetwork.ai/podcast/1558393606/b21ec50f08f4) (2026-08-04, 32 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123762584/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-4%2F429214806-44100-2-563ca947a358d.mp3 - [NZ's Inflation Crisis: Why Getting Ahead Feels Harder Than Ever | Episode 518](https://invisiblenetwork.ai/podcast/1558393606/560a3507f5ba) (2026-08-02, 26 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123642760/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-7-2%2F429052531-44100-2-a11126303f8c6.mp3 - [1 Million Downloads Special: Our Personal Wealth Journey Part 1](https://invisiblenetwork.ai/podcast/1558393606/207159fd8a70) (2026-07-30, 32 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123542580/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-30%2F428916476-44100-2-7ac389a27c19c.mp3 - [Is War Funding Your Retirement? Ft. Lily Richards | Episode 516](https://invisiblenetwork.ai/podcast/1558393606/4060dab3177f) (2026-07-28, 41 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123399283/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-28%2F428777640-44100-2-6cb6b3815b4ee.mp3 - [How to Know It's Time to Sell an Investment | Episode 515](https://invisiblenetwork.ai/podcast/1558393606/63b4310fc6c1) (2026-07-26, 19 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123331564/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-26%2F428651669-44100-2-7824f50b0eccd.mp3 - [Should We Want House Prices To Double Every 10 Years? | Episode 514](https://invisiblenetwork.ai/podcast/1558393606/18b1128c7c0e) (2026-07-23, 15 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123225488/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-23%2F428489333-44100-2-dbaa4f30c4c4f.mp3 - [Inflation Hits 4.1% Is the Worst Still to Come? | Episode 513](https://invisiblenetwork.ai/podcast/1558393606/2937e4380135) (2026-07-21, 14 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123117458/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-21%2F428340604-44100-2-fbce40bdd5bc1.mp3 - [Want to Build a Home? Watch This Before You Talk to the Bank | Episode 512](https://invisiblenetwork.ai/podcast/1558393606/7d05f833bcc9) (2026-07-19, 22 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/123020752/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-19%2F428210609-44100-2-165f2c71c8ff9.mp3 - [Can't Refinance Your Mortgage? Here's What To Do Instead | Episode 511](https://invisiblenetwork.ai/podcast/1558393606/02d4e0b84ff2) (2026-07-16, 13 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/122922524/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-16%2F428076931-44100-2-80d5e36da7816.mp3 - [Property Market Insights: What Smart Investors Are Watching Right Now | Episode 510](https://invisiblenetwork.ai/podcast/1558393606/42cf74bb8914) (2026-07-14, 21 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/122840754/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-14%2F427965509-44100-2-4b9a16c07967e.mp3 - [From Debt to Financial Freedom on a Single Income | Inside a Financial Plan Ep 2](https://invisiblenetwork.ai/podcast/1558393606/845a01e4343e) (2026-07-12, 30 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/122676199/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-11%2F427746578-44100-2-b7698518f5967.mp3 - [The First OCR Hike in 3 Years: What It Means for Your Mortgage | Episode 508](https://invisiblenetwork.ai/podcast/1558393606/ff90b184a8a5) (2026-07-09, 17 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/122611106/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-9%2F427659178-44100-2-360e9ed34595d.mp3 - [Building Wealth on a Single Income: Inside a Financial Plan | Episode 1](https://invisiblenetwork.ai/podcast/1558393606/57f690a60e01) (2026-07-08, 56 min): audio https://anchor.fm/s/dd0b22a4/podcast/play/122544676/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-6-8%2F427570154-44100-2-7fbb08cf1a2b7.mp3 Shows are listed from Apple Podcasts' charts and directory, and Podcast Index where it is used. Every show and episode belongs to its publisher and plays from the publisher's own feed; this site hosts none of them.