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Cheques and Balances

Cheques and Balances
New Zealand
Kiwisaver
Interest Rates
New Zealand Economy
Property Investment
Financial Planning
Inflation
Insurance
Housing Market
Investment Property
Mortgage
Lighthouse Financial
Auckland
Budgeting
Health Insurance
Capital Gains Tax
Reserve Bank Of New Zealand
New Zealand Property Market
Shares
GDP

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

PublishesDailyEpisodes652Founded6 years ago
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Business

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Artwork for Cheques and Balances

Latest Episodes

What's the point of building wealth if one unexpected event could wipe it all out?We unpack the three essentials of protecting your financial future: emergency funds, wills and estate planning, and insurance. From understanding how much life insuranc... more

Could a land tax completely reshape New Zealand’s property market? The Opportunity Party leader Qiulae Wong joins us to unpack the party’s proposed tax reset, including a 1.75% land value tax and Citizen’s Income. We also explore housing affordabilit... more

A $300 million tax break for property investors. But who's really going to benefit?

We sit down with Lighthouse Financial Managing Director and tax expert Matthew Harris to unpack ACT's proposal to remove property tax ring-fencing, what it could mea... more

Not everything a real estate agent tells you is the full story.

We sit down with Alex Martelli, founder of Martelli Buyers Agents, to unpack real estate agent horror stories, from questionable multi-offer tactics and misleading property listings to ... more

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Recent Guests

Qiulae Wong
Leader of The Opportunity Party
The Opportunity Party
Episode: The Opportunity Party: Land Tax, Compulsory KiwiSaver & Citizen’s Income Ft. Qiulae Wong | Episode 554
Matthew Harris
Lighthouse Financial managing director and tax expert
Lighthouse Financial
Episode: ACT's $300M Property Tax Break: Will Ring Fencing End? Ft. Matt Harris | Episode 553
Alex Martelli
Founder of Martelli Buyers Agents
Martelli Buyers Agents
Episode: Real Estate Agent Horror Stories: What Buyers Need to Know Ft. Alex Martelli | Episode 552
Robbie Paul
CEO of Icehouse Ventures, a venture capital firm investing in New Zealand entrepreneurs.
Icehouse Ventures
Episode: The Future of New Zealand Business: Icehouse Ventures CEO Explains | Episode 551
Jarrod Kerr
Chief Economist
Kiwibank
Episode: NZ’s Economy in 2027: Is the Recovery Finally Coming? Ft. Jarrod Kerr | Episode 545
Oliver Mander
CEO, New Zealand Shareholders Association
New Zealand Shareholders Association
Episode: Kiwis Are Changing How They Invest: Here’s Why Ft. Oliver Mander | Episode 544
Grant Watson
Buyers Advocate at Rethink Investing
Rethink Investing
Episode: LIVE WEBINAR: Property Under Pressure, Rising Rates, Political Risk & Weak Growth
Adam Farrell
Property Director at Lighthouse
Lighthouse
Episode: LIVE WEBINAR: Property Under Pressure, Rising Rates, Political Risk & Weak Growth
Brent Norling
Commercial law expert and director at Norling Law
Norling Law
Episode: NZ Businesses Are Going Broke: Is the Worst Yet to Come? Ft. Brent Norling | Episode 542

Hosts

James Blair
Host and financial adviser with Lighthouse Financial; appears across episodes as a co-host providing financial guidance and market context.
Michael Vincent
Co-host and financial adviser, provides insights on mortgages, investing, and budgeting; part of Lighthouse Financial team.

Reviews

4.7 out of 5 stars from 321 ratings
  • Agree with Mike here

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

    Apple Podcasts
    5
    Day0987654321
    New Zealand8 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 Zealanda year 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.

Some critiques mention political digs; overall sentiment is positive and growth-oriented.
Listeners praise clear, practical financial guidance with engaging banter and actionable tips.
Many appreciate coverage of a variety of topics beyond property, and the approachable style.

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 Future of New Zealand Business: Icehouse Ventures CEO Explains | Episode 551
Q: How do we make sure that New Zealand does continue to benefit or be part of that success?
Paul says New Zealand should retain a greater share of equity investment in successful companies, while recognizing the local jobs, investment and new businesses they can create even when they are globally structured.
The Future of New Zealand Business: Icehouse Ventures CEO Explains | Episode 551
Q: What's your take on the lay of the land at the moment where we're at in 2026?
Paul is bullish, citing recycled talent, stronger international connections and successful companies that give founders and investors confidence to build ambitious businesses.
Real Estate Agent Horror Stories: What Buyers Need to Know Ft. Alex Martelli | Episode 552
Q: How do they get their BS detector out with real estate agents? What's some tips you can give them to make sure they don't become one of those horror stories?
Martelli recommends keeping emotion out of negotiation, doing independent due diligence, checking insurance and property records, getting building and legal reviews, and not being pressured by claims of competing offers.
Real Estate Agent Horror Stories: What Buyers Need to Know Ft. Alex Martelli | Episode 552
Q: Can you tell us a little bit about the difference between a buyer's agent and a seller's agent?
A sales agent works for the vendor and aims to secure the best outcome for them, while a buyer's agent represents the buyer and searches for suitable homes and favorable terms.
ACT's $300M Property Tax Break: Will Ring Fencing End? Ft. Matt Harris | Episode 553
Q: Do you think this is actually going to happen?
Harris is uncertain, saying it could be difficult for ACT to advance the policy as a minor government party. Its prospects may improve if a capital gains tax is also proposed.

Audience Metrics

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

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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?

Two practical NZ financial advisers share straight-talking money guidance for everyday decisions—from buying a home and paying down debt to building long-term wealth. Episodes cover budgeting, KiwiSaver strategy, mortgage decisions, and the economics of living in New Zealand, often weaving in real-world client stories and market context. The show stands out for its clear, actionable tips, approachable banter, and emphasis on independent, low-cost guidance, making complex finance topics feel doable for a wide audience.

A notable strengths include its hands-on planning focus (e.g., debt reduction before investing, construction financing, and retirement withdrawal strategies) and a consistent team dynamic that blends technical advice with rel... more

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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. The Happy Saver Podcast - Personal Finance in New Zealand
5. Shared Lunch

How many episodes of Cheques and Balances are there?

Cheques and Balances launched 6 years ago and published 652 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Cheques and Balances?

Recent guests on Cheques and Balances include:

1. Qiulae Wong
2. Matthew Harris
3. Alex Martelli
4. Robbie Paul
5. Jarrod Kerr
6. Oliver Mander
7. Grant Watson
8. Adam Farrell

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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