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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
Budgeting
Investment Property
Mortgage
Lighthouse Financial
Auckland
Capital Gains Tax
First Home Buyers
Health Insurance
Mortgages
Reserve Bank Of New Zealand
Official Cash Rate

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

PublishesDailyEpisodes642Founded6 years ago
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Artwork for Cheques and Balances

Latest Episodes

Could 2027 finally be the year New Zealand’s economy turns a corner?

Kiwibank Chief Economist Jarrod Kerr joins us to unpack the outlook for growth, inflation and interest rates, what could happen to the property market, the economic impact of the e... more

The way Kiwis invest their money is changing.

We sit down with Oliver Mander, Chief Executive of the New Zealand Shareholders Association, to unpack the shift from direct shares towards funds, KiwiSaver and overseas markets, the rise of DIY investi... more

Bought in 2021 and feel stuck? You might have more options than you think.

We break down what it takes to move on from a property bought near the market peak, including buying with less than 20% equity, low-equity lending costs, servicing requiremen... more

Property is under pressure, but the headlines don’t tell the whole story.

Mike Vincent, Adam Farrell, Lighthouse Property Director, and Grant Watson, Senior Buyers Advocate at Rethink Investing, unpack the latest residential and commercial property ... more

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Recent Guests

Grant Watson
Buyers Advocate at Rethink Investing
Rethink Investing
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
Nick Goodall
Head of research at Cotality
Cotality
Episode: NZ Property Market: Forget 7% Property Growth. Is 3% the New Normal? Ft. Nick Goodall | Episode 539
Brad Olsen
Infometrics Principal Economist
Infometrics
Episode: NZ Economy 2026: Is the Worst Finally Over Ft. Brad Olsen | Episode 536
Ben Brinkerhoff
Head of Advice at Consilium, invited expert on retirement planning and spending psychology
Consilium
Episode: The 10 Most Critical Years in Retirement ft. Ben Brinkerhoff | Episode 535
Sam Stubbs
Founder/CEO of Simplicity Living (KiwiSaver, housing, and investment)
Simplicity Living
Episode: The Future of New Zealand: Sam Stubbs' Plan to Make NZ Wealthier | Part 2
Lily Richards
Lily Richards, Pathfinder
Pathfinder
Episode: Is War Funding Your Retirement? Ft. Lily Richards | Episode 516
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

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 Zealand7 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 Zealand10 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.

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.

NZ Property Market: Forget 7% Property Growth. Is 3% the New Normal? Ft. Nick Goodall | Episode 539
Q: What data point would give you more confidence about a forward rebound in prices?
Nick points to improving GDP growth, falling unemployment or underemployment, and stronger migration as signals that economic conditions could support renewed housing demand.
NZ Property Market: Forget 7% Property Growth. Is 3% the New Normal? Ft. Nick Goodall | Episode 539
Q: Is horrendous the right word you think, Mike, about the 2021 housing fever and its aftermath?
Mike confirms the fever was extreme, driven by forced buying and lack of alternative, but emphasizes that the broader market now looks different with prices correcting and affordability improving.
The 10 Most Critical Years in Retirement ft. Ben Brinkerhoff | Episode 535
Q: What strategies can someone still in their 40s or 50s apply today to prepare for retirement?
Focus on maximizing saving during peak earning years, consider potential inheritances and downsizing possibilities, and build a plan with an advisor that accounts for future health needs and down-market opportunities so you can start strong and stay flexible.
The 10 Most Critical Years in Retirement ft. Ben Brinkerhoff | Episode 535
Q: Why are the first 10 years of retirement so important?
Because health tends to be better then, allowing you to pursue travel, hobbies, and experiences you've saved for, and those opportunities should be funded while you have the health and energy to enjoy them.
NZ Economy 2026: Is the Worst Finally Over Ft. Brad Olsen | Episode 536
Q: Do you think the target band for the OCR is right, or should it shift?
Overall, I'm broadly comfortable with the current 2% target with a band around it; moving the band could undermine de‑anchoring expectations, and a wider band might create more ambiguity without clear gains. The key is balancing inflation with unemployment and growth, rather than chasing a moving target.

Audience Metrics

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

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Interests
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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?

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 642 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. Grant Watson
2. Brent Norling
3. Nick Goodall
4. Brad Olsen
5. Ben Brinkerhoff
6. Sam Stubbs
7. Lily Richards
8. Jess Hargreaves

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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