Cheques and Balances
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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...
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The KiwiSaver Overhaul: Here's what Changing | Episode 406
KiwiSaver is getting a shake-up and some of these changes could completely reshape your retirement.
In this episode, we break down the proposed...
Live Webinar: How To Invest Smarter In New Zealand's Property Market ft. Scott O'Neill
In this live webinar Scott O’Neill, Dylan Menzies and Michael Vincent break down where the real value is heading into 2026 - from commercial vs reside...
Wealth Tax vs. Capital Gains Tax: What’s best for the NZ economy? | Episode 404
A heated debate that every Kiwi needs to hear - Wealth Tax vs Capital Gains Tax.Matt, James and Mike down how each tax actually works, the real-world...
Live Webinar: First Home Buyers Top 5 Negotiation Tips for the 2025 Market | Episode 403
Buying your first home? Don’t walk into a negotiation blind.
In this episode, Mike and Adam break down the exact strategies every first-home buy...
Cost of Living Crisis: $200K Can’t Support a Single Income Household | Episode 402
New Zealand’s one-income household is officially dead - and the numbers prove it.
In this episode, James and Michael break down why rising livin...
NZ’s Economy Isn’t Growing: Is Infrastructure the Answer? Ft. Jarrod Kerr | Episode 401
Can infrastructure spending really supercharge New Zealand’s economy?
In this episode, Kiwibank Chief Economist Jarrod Kerr joins the team to un...
AI Boom or Bust? Sharemarket Crash Fears: Quarterly Market Update | Episode 400
Markets are booming - but are we on the edge of an AI bubble?
In this quarterly update, James and Chris from Mapua Wealth break down what’s driv...
Paying Down Debt vs Investing in Property: Smart Mortgage Strategies | Inside a Financial Plan Ep 5
Paying down your mortgage or investing in more property - which gets you closer to financial freedom?
In this episode, Mike breaks down Dion and...
Live Webinar: Stop Overpaying Tax - What Most NZ Property Investors Miss | Episode 399
Five smart ways to keep more money in your pocket this tax season.In this live webinar, Matt Harris and Andrew Higgs uncover the most overlooked tax h...
Should NZ Have 30 Year Fixed Mortgages? | Episode 398
Would 30-year fixed mortgages work in New Zealand?
In this episode, James and Michael unpack how long-term fixed loans in the US provide stabil...
OCR Cuts & Capital Gains Tax: NZ’s Recession or Rebound? ft. Jarrod Kerr | Episode 397
Rates are down, but inflation’s still biting. In this quarterly update, Kiwibank Chief Economist Jarrod Kerr unpacks the OCR cut to 2.5%, Labour’s pro...
Will You Get Superannuation? The Debate on Means Testing | Episode 396
Should New Zealand’s wealthiest retirees still receive NZ Super? In this episode, James and Mike unpack the growing debate around means testing - expl...
Live Webinar: How to Plan for Retirement - KiwiSaver, Property or Shares?
Retirement isn’t about luck - it’s about planning, action, and time.
In this live webinar, James and Justin break down what Kiwis really need to...
28% Capital Gains Tax? What Labour’s Plan Means for You | Episode 394
Labour’s back with a bold play - a 28% capital gains tax on property.
In this episode, we break down the proposed 2027 capital gains tax - explo...
Investing in Shares vs Property: Inside a Financial Plan Ep4
What would you do if your financial plan said you’ll have $6 million at 100?In this episode, we reconnect with Rachel and Deon to unpack their latest...
5 Investing Mistakes Most People Make | Episode 392
Most investors lose money not because of the market - but because of their own mistakes.
In this episode, we break down the five biggest mistake...
KiwiSaver Untaxed: A Game Changer for Retirement | Episode 391
What if your KiwiSaver balance could double - just by removing tax?
In this episode, we explore the radical idea of untaxed KiwiSaver returns, c...
Mortgage Free in 4 Years and Retired at 52: Inside a Financial Plan Ep3
What does a real financial plan actually look like?
In this episode, James walks Rachel and Dion through their personalised financial roadmap -...
Struggling With Debt? 3 Key Steps to Fix Your Finances | Episode 389
Struggling with debt? In this episode, we share 3 key steps to fix your finances - from recognising the problem and shifting your mindset, to building...
Live Webinar: A Guide to Cutting Debt and Growing Wealth
Stop giving the banks your hard-earned money - learn how to cut debt and grow wealth faster.
In this live webinar, we cover smart...
OCR Breakdown: Will Interest Rates Drop Below 4%? | Episode 387
The OCR has been cut - but is this just the beginning for falling interest rates? In this episode, we break down the 50-basis-point cut, its impact on...
Are Kiwi Business Owners Over-Taxed? Provisional Tax Explained Ft. Matt Harris| Episode 386
Provisional tax catches out thousands of Kiwi business owners every year.
In this episode, Matthew Harris breaks down what provisi...
Why It’s Expensive to Be Poor | Episode 385
Sometimes the habits that feel frugal are actually draining your wallet. In this episode, Jess and Makayla unpack why “it’s expensive to be poor” - ex...
Inside a Financial Plan Ep2: KiwiSaver, Crypto & Property - The Strategy Session
Episode 2 of our mini-series dives into strategy - James works with Rachel and Dion to break down how their money is invested across KiwiSaver, crypto...
KiwiSaver Crisis: Why You’ll Go Broke in Retirement | Episode 383
KiwiSaver won’t save your retirement - and it’s time Kiwis faced that reality.
In this episode, Mike and James reveal the harsh truth behind New...
OCR Predictions: How Low Will Mortgage Rates Go?! Ft. Matt Harris | Episode 383
How low could mortgage rates really go? 👀
In this episode, we break down the Reserve Bank’s latest moves, discuss predictions for OCR cuts, exp...
Is NZ Education Failing? The Rise of Crimson Education Ft. Jamie Beaton | Episode 382
From Auckland to the Ivy League and beyond - Jamie Beaton’s journey shows what it takes to turn a Kiwi startup into a billion-dollar business. In this...
Inside a Financial Plan Ep1: Dion & Rachel’s Journey
A real Kiwi couple puts their finances on the table in our brand-new mini series.
In this first episode, we dive into Dion and Rachel’s money st...
The Crushing Cost of a Growing Family in NZ | Episode 380
In this episode, we unpack the true financial impact of going from two to three kids - covering housing upgrades, new cars, childcare, food, schooling...
The Midlife Financial Crisis: Why Your 40s Feel So Expensive | Episode 379
Midlife money stress is real - and it’s hitting Kiwis harder than ever. In this episode, we break down the “midlife financial crisis,” exploring how c...
This Is Why You Feel Poor: The Brutal Truth Of Inflation | Episode 378
Inflation is down, but Kiwis are still feeling broke. In this episode, we unpack why everyday essentials like rent, groceries, and mortgage repayments...
NZ Economy Shrinks: Why GDP is Falling | Episode 377
NZ’s economy has gone backwards - here’s what it really means for Kiwis. In this episode, we break down the 0.9% GDP decline, what it signals for busi...
Most Played Moment: Finance Minister Nicola Willis on Debt, Growth, and NZ's Economic Future | Episode 376
Your Most Played Moment Of 2025: In this exclusive interview from inside the Beehive, Finance Minister Nicola Willis joins us to discuss NZ’s economic...
Debt-Free Faster: How to Cut 10 Years Off your Mortgage Ft. Justin Gauci | Episode 375
Stop sleepwalking on your mortgage - learn how small changes could help you cut years off and reduce interest costs. In this episode, we explore pract...
2025 Property Market: Negotiation Tactics to Save Thousands Ft. Adam Farrell | Episode 374
In today’s buyer’s market, smart negotiation could save you thousands on your next property. Adam Farrell joins us to unpack the strategies behind tim...
Why Rentvesting Will Ruin Your Retirement | Episode 373
Rentvesting might look smart now, but it could leave you broke later.
In this episode, James and Jess break down the numbers behi...
Foreign Buyers Ban Changes: Will They Save or Sink NZ’s Economy? Ft. Matt Harris | Episode 732
Foreign buyers are back...sort of. In this episode, James and Matt unpack New Zealand’s revised foreign buyers rules, the $5 million price cap, and wh...
NZ's Infrastructure Crisis: Why Are Taxpayers Footing the Bill? | Episode 371
NZ’s infrastructure is crumbling and taxpayers are footing the bill.
In this uncut episode, James and Mike unpack the government’s new road user...
$150K Insurance Mistake: Cancer and Cancelled Cover Ft. Emily Powell | Episode 370
A personal story of cancer, cost, and the true value of insurance. In this episode, we share the financial and emotional journey of losing a parent to...
When the IRD Comes Knocking: Triggers, Mistakes & Penalties Ft. Matt Harris | Episode 369
When the IRD knocks, will you be ready?
In this episode, we unpack how Inland Revenue investigations work, the triggers that set off audits, co...