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Cheques and Balances

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

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

PublishesDailyEpisodes583Founded5 years ago
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Artwork for Cheques and Balances

Latest Episodes

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 position, whether the country should be worried about rising interest costs, how our debt compares globall... more

YouTube

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 tax changes, why business owners and startups could start looking at New Zealand differently, the impact... more

YouTube

Most Kiwis are heading towards retirement with far less than they think they need. The difference between struggling in retirement and living comfortably often comes down to just a few KiwiSaver decisions.

In this episode, we break down the real fac... more

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, including lifestyle inflation, social media pressure, budgeting, debt, delayed gratification, investmen... more

Key Facts

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Find out how many people listen to this podcast per episode and each month.

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Recent Guests

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
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
Dean Anderson
CEO of Kernel
Kernel
Episode: $145 Billion In KiwiSaver: Why Is The System Still Broken? Ft. Dean Anderson, CEO of ⁠Kernel⁠ | Episode 448
Nick Astwick
CEO of Southern Cross Health Society
Southern Cross Health Society
Episode: Why is NZ’s Healthcare System under pressure? Ft. Nick Astwick, CEO of Southern Cross Health Society | Episode 432
Jason Leong
CEO and founder of PocketSmith
PocketSmith
Episode: Why You’re Still Broke | The Easiest Way to Stick to a Budget in 2026 Ft. Jason Leong | Episode 430
Matthew Harris
Managing Director at Lighthouse Financial and tax strategist
Lighthouse Financial
Episode: The Best Tax Insights of 2025: Structures, Deductions & Smart Planning | Episode 428
Jim Dodd
Co-founder of Property-CEO
Property-CEO
Episode: Live Webinar: Flip vs. Hold? Property And Tax Strategies For Smarter Investing Ft. Property-CEO | Episode 427
Jarrod Kerr
Chief Economist at Kiwibank
Kiwibank
Episode: OCR Cuts & Capital Gains Tax: NZ’s Recession or Rebound? ft. Jarrod Kerr | Episode 397

Hosts

James Blair
Co-host and qualified financial advisor focusing on wealth-building and practical financial planning.
Michael Vincent
Co-host and financial adviser sharing insights on investing, economics, and retirement planning.

Reviews

4.8 out of 5 stars from 307 ratings
  • Agree with Mike here

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

    Apple Podcasts
    5
    Day0987654321
    New Zealand3 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 Zealand6 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.

Fans enjoy the Takeover segments with engaging hosts delivering practical tips.
Many appreciate relatable real-world examples and budgeting advice that can be applied immediately.
Some criticism exists around political commentary affecting focus on financial advice.
Listeners praise the show for making finance approachable and not overly technical.

Chart Rankings

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

Talking Points

Recent interactions between the hosts and their guests.

OCR Predictions: Petrol Prices Are Spiking - Do Interest Rates Follow? Ft. Jarrod Kerr | Episode 467
Q: What does Kerr think about media narratives around rate hikes?
He believes media headlines have often misrepresented the situation, and stresses the importance of calm, clear messaging from economists and the central bank.
OCR Predictions: Petrol Prices Are Spiking - Do Interest Rates Follow? Ft. Jarrod Kerr | Episode 467
Q: How are consumers modifying mortgage strategies in this environment?
Many are splitting mortgage exposures, locking in longer terms where beneficial, and avoiding precipitate refinances as rates remain volatile.
OCR Predictions: Petrol Prices Are Spiking - Do Interest Rates Follow? Ft. Jarrod Kerr | Episode 467
Q: What is the likely path for the OCR in the coming months given the oil shock and inflation dynamics?
The most prudent approach is to hold for now and let the economy land on new fundamentals, with potential hikes only if inflation proves more persistent than expected.
KiwiSaver, Investing & Mortgages: Listener Money Questions | Episode 459
Q: I'm 25 and in an aggressive KiwiSaver fund. Planning to buy a house in about five years, should I start shifting funds now or wait until I'm closer?
In general, with a five-year horizon, it may be more appropriate to shift away from high-growth KiwiSaver funds closer to the goal, especially if the timeline is tight, and to ensure you can meet a deposit and serviceability needs. It's important to consider your tolerance for volatility and to get personalized advice to map exact timelines.
How to Protect Your Income in 2026: ACC vs Income Protection | Live Webinar | Episode 429
Q: If I reduce my ACC levies, can I still go to the physio and have my ACC bills covered?
Yes, all the treatment you receive is not affected by the reduction in the ACC levy; those expenses are still taken care of.

Audience Metrics

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

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Gender Skew
Location
Interests
Professions
Age Range
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Frequently Asked Questions About Cheques and Balances

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

This show offers practical, down-to-earth money guidance focused on property, investing, KiwiSaver, and debt management within a New Zealand context. Across episodes, listeners hear thoughtful comparisons between property and shares, retirement planning ideas, and real-world budgeting and planning strategies from two seasoned financial advisers, with occasional contributions from other hosts. A standout trait is the approachable, banter-friendly tone that aims to make complex financial concepts understandable for a broad audience, including first-time buyers and young families contemplating long-term wealth building.

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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. Between Two Beers Podcast

How many episodes of Cheques and Balances are there?

Cheques and Balances launched 5 years ago and published 583 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. Michael Vincent
2. Simon Rolland
3. Chlöe Swarbrick
4. Dean Anderson
5. Nick Astwick
6. Jason Leong
7. Matthew Harris
8. Jim Dodd

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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