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Cheques and Balances

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

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

PublishesDailyEpisodes592Founded5 years ago
Number of ListenersCategory
Business

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Artwork for Cheques and Balances

Latest Episodes

Don't mistake information for advice.

In this episode, James and Mike discuss whether ChatGPT can replace a mortgage broker, unpack a real-life example where AI mortgage advice conflicted with professional advice, explore the difference between info... more

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.

In this episode, Mike and Jess sit down with Ilse Wolfe, Director of Wolfe Property, to unpack the six b... more

The degree debate is changing.

In this episode, James and Mike break down the real numbers behind trades versus degrees, comparing income, student debt, house deposits, KiwiSaver balances, graduate job opportunities, the impact of AI on future caree... more

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, founders of One & Only, to discuss building a business from scratch, taking calculated risks, relocating... more

Key Facts

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Recent Guests

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
Michael Vincent
Business associate and chief
Episode: Australia's Tax Crisis: New Zealand's Golden Opportunity | Episode 486
Luke Kemeys
Entrepreneur; Keep the Change, Next Advisory
Keep the Change; Next Advisory
Episode: Why New Zealand’s Economy Is Falling Behind (And How to Fix It) Ft. Luke Kemeys & Simon Rolland | Episode 475
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
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
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
Ilse Wolfe
Property expert and director at Wolfe Property
Wolfe Property
Episode: Cashflow vs. Capital Gains: 2025’s Most Profitable Property Strategy Ft. Ilse Wolfe | Episode 411

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 310 ratings
  • Agree with Mike here

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

    Apple Podcasts
    5
    Day0987654321
    New Zealand4 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.

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.

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.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
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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?

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.

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How many listeners does Cheques and Balances get?

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How many subscribers and views does Cheques and Balances have?

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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 Dom Harvey Podcast

How many episodes of Cheques and Balances are there?

Cheques and Balances launched 5 years ago and published 592 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.

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What guests have appeared on Cheques and Balances?

Recent guests on Cheques and Balances include:

1. Mikey V
2. Michael Vincent
3. Luke Kemeys
4. Simon Rolland
5. Chlöe Swarbrick
6. Nick Astwick
7. Jason Leong
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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