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Cheques and Balances

Cheques and Balances
Kiwisaver
New Zealand
Interest Rates
Financial Planning
Inflation
New Zealand Economy
Property Investment
Insurance
Investment Strategies
Mortgage
Budgeting
Investment Property
Housing Market
Debt Management
Capital Gains Tax
Mortgages
Shares
Auckland
Official Cash Rate
Real Estate

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. ... more

PublishesDailyEpisodes610Founded5 years ago
Number of ListenersCategory
Business

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Artwork for Cheques and Balances

Latest Episodes

The property market isn't broken... but expectations might be.

Should New Zealand expect house prices to keep doubling every 10 years? James and Mike unpack the key drivers behind long-term property growth, including migration, interest rates, infla... more

Inflation is back above 4%... but is the worst still to come?

James and Mike break down New Zealand's latest 4.1% inflation result, why petrol prices are driving almost all of the increase, whether higher interest rates are actually the right soluti... more

Building your dream home? Don't talk to the bank until you've watched this.

From construction loans and stage payments to hidden building costs, budget blowouts, fixed-price contracts, and choosing the right builder, we break down everything you nee... more

Think you're stuck with your mortgage? You might have more options than you realise.

In this episode, Mike and James break down what to do if you can't refinance your mortgage, including how to negotiate with your current bank, when breaking a fixed... more

Key Facts

Accepts Guests
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Contact Information
Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

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Recent Guests

Jess Hargreaves
Senior Financial Advisor
Lighthouse Wealth
Episode: The First OCR Hike in 3 Years: What It Means for Your Mortgage | Episode 508
Ilse Wolfe
Property investor/expert
Wolfe Property
Episode: 6 Mistakes Stopping You From Buying an Investment Property ft. Ilse Wolfe | Episode 495
Adam Farrell
Property director
Unspecified (guest on episode)
Episode: Are New Build Townhouses Dead? Ft. Adam Farrell | Episode 492
Mikey V
Co-host, casual expert on economics and business, informal role in the discussion
Episode: NZ Budget 2026: Did The Government Get It Right? | Episode 491
Matthew Harris
Tax professional / tax man
Episode: Australia’s Capital Gains Tax Changes: Is NZ Next? | Episode 488
Michael Vincent
Business associate and chief
Episode: Australia's Tax Crisis: New Zealand's Golden Opportunity | Episode 486
Simon Rolland
Entrepreneur who has sold multiple businesses
Independent entrepreneur
Episode: Why New Zealand’s Economy Is Falling Behind (And How to Fix It) Ft. Luke Kemeys & Simon Rolland | Episode 475
Jarrod Kerr
Chief Economist, Kiwibank
Kiwibank
Episode: OCR Predictions: Petrol Prices Are Spiking - Do Interest Rates Follow? Ft. Jarrod Kerr | Episode 467
Chlöe Swarbrick
Co-leader of the Green Party, NZ politician
Green Party, New Zealand
Episode: Chlöe Swarbrick: Wealth Tax, Housing & New Zealand’s Broken Economy | Episode 451

Hosts

James Blair
Host of the show and regular speaker on personal finance and property topics.
Michael Vincent
Co-host and financial adviser, often contributing market insights and practical advice.
Jessica
Co-hosted takeover segments; contributes budgeting tips and relatable finance insights.

Reviews

4.7 out of 5 stars from 314 ratings
  • Agree with Mike here

    How can you go on a holiday without a job, James?

    Apple Podcasts
    5
    Day0987654321
    New Zealand5 months ago
  • It’s just different

    Listen to a few business podcasts and this one is just different in a good way. Not just property but other asset classes which gives a balanced view. Love it!

    Apple Podcasts
    5
    Bodgy74
    New Zealand8 months ago
  • 12/10

    Love the takeover episodes. Proof financial advice doesn’t have to be dry.

    Apple Podcasts
    5
    Kate the avid listener
    New Zealand2 years ago
  • Favourite Finance Podcast

    Such a great, informative podcast! I usually struggle to follow/engage in finance topics but these guys really make it easy to follow. I especially enjoy the Takeover segments - the girls are entertaining to listen to but also deliver great finance advice and tips!

    Apple Podcasts
    5
    Vicmcboyle
    United Kingdom2 years ago
  • Love to listen

    Extremely informative and not complicated so makes for easier listening!

    Apple Podcasts
    5
    Rienestsacre
    United Kingdom2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Balanced take on property, budgeting, and investing with easy-to-follow steps
Clear, approachable finance tips with relatable stories
Entertaining yet informative, especially takeover segments
Strong emphasis on practical actions over theory, great for beginners and seasoned listeners alike

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

The First OCR Hike in 3 Years: What It Means for Your Mortgage | Episode 508
Q: What should customers be doing now to navigate the OCR hike and mortgage pricing?
Customers should consider locking in longer-term rates where the pricing is favorable and risk is managed, while shopping around across banks to find the best deal and avoiding delaying decisions in a rising-rate environment.
The First OCR Hike in 3 Years: What It Means for Your Mortgage | Episode 508
Q: And what does, how do banks react to that kind of indication that comes from them?
Banks respond by adjusting their own lending rates promptly to protect margins, with some like ANZ moving quickly to raise rates, while others follow later, leading to a period where rates across lenders level out.
Building Wealth on a Single Income: Inside a Financial Plan | Episode 1
Q: What has been your biggest financial challenge recently, and how did you approach it?
The divorce and associated debt were the major challenges; she focused on pragmatic decisions, debt consolidation, and increasing income while maintaining stability for their daughter.
Building Wealth on a Single Income: Inside a Financial Plan | Episode 1
Q: First question, why do you want to do this and share your situation publicly?
Julia speaks about wanting to be deliberate with her future and to model a responsible financial path for her daughter after rebuilding from divorce and debt, emphasizing security and long-term planning.
The Right Property For Every Type of Investor Ft. Adam Farrell | Episode 497
Q: How should a buyer think about standalone properties versus townhouses?
Standalone properties appeal to a broader audience but generally require higher financial capacity; they command higher prices and may need renovations unless in good condition, and investors may weigh space and land differently depending on location and strategy.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About Cheques and Balances

What is Cheques and Balances about and what kind of topics does it cover?

A practical money podcast focused on personal finance, home ownership, and long-term wealth building. Hosts translate complex financial concepts into actionable guidance, balancing straightforward advice with relatable banter. Across episodes, they cover budgeting, property strategy, retirement readiness, tax considerations, and market dynamics, with a consistent emphasis on real-world steps you can take to improve cash flow, protect assets, and plan for the future. A notable strength is the blend of broker-informed insights with accessible, sometimes lighthearted storytelling, which helps demystify topics like mortgages, property upgrades, and investment ideas for everyday listeners.

Where can I find podcast stats for Cheques and Balances?

Rephonic provides a wide range of podcast stats for Cheques and Balances. We scanned the web and collated all of the information that we could find in our comprehensive podcast database. See how many people listen to Cheques and Balances and access YouTube viewership numbers, download stats, audience demographics, chart rankings, ratings, reviews and more.

How many listeners does Cheques and Balances get?

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What are the audience demographics for Cheques and Balances?

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How many subscribers and views does Cheques and Balances have?

To see how many followers or subscribers Cheques and Balances has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to Cheques and Balances?

These podcasts share a similar audience with Cheques and Balances:

1. Keep The Change
2. The Property Academy Podcast
3. Making Cents
4. Shared Lunch
5. The Curve

How many episodes of Cheques and Balances are there?

Cheques and Balances launched 5 years ago and published 610 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Cheques and Balances?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

Where can I see ratings and reviews for Cheques and Balances?

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What guests have appeared on Cheques and Balances?

Recent guests on Cheques and Balances include:

1. Jess Hargreaves
2. Ilse Wolfe
3. Adam Farrell
4. Mikey V
5. Matthew Harris
6. Michael Vincent
7. Simon Rolland
8. Jarrod Kerr

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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