Is topping up a mortgage at 22 really the dream? Makayla and Jess break down the pros and cons of buying young, why some Kiwis are purchasing at 22, the cultural pressure to own property, and alternative ways to build wealth if homeownership isn’t your priority. Next Steps: If you’re thinking about buying your first home, make sure your KiwiSaver is working as hard as you are - get in touch with Lighthouse Financial for tailored advice today. For more money tips follow us on: ...
Jul 03, 2025•20 min
Will the RBNZ cut rates in July or keep Kiwis waiting? We unpack why the Reserve Bank might hold off on cutting the OCR, from unexpected GDP growth and stubborn inflation to the global oil price shocks that could hit your mortgage and financial plans. Next Steps: For tailored advice on your mortgage strategy ahead of the next OCR decision, talk to the team at Lighthouse Financial today. For more money tips follow us on: ...
Jul 01, 2025•11 min
From scaling Canva to transforming New Zealand’s startup scene - Mahesh Muralidhar knows how to think big. In this episode, we unpack Mahesh’s journey at Canva, his mission to make NZ happier and wealthier, and how Phase One Ventures is backing the next generation of billion-dollar companies. Learn more about Phase One Ventures Ever wanted your own financial adviser? James is picking one listener to coach for a whole year - apply now and you might just star on the podcast too! Apply here For mor...
Jun 29, 2025•33 min
Markets are rising, oil prices are spiking - but what does Trump’s strike on Iran mean for your money? We unpack how rising tensions in the Middle East could affect KiwiSaver balances, inflation, mortgage rates, and the everyday cost of living in New Zealand. Ever wanted your own financial adviser? James is picking one listener to coach for a whole year - apply now and you might just star on the podcast too! For more money tips follow us on: ...
Jun 26, 2025•11 min
From digital dollars to chore commissions - here's how to raise money-smart kids. Makayla and Jess explore the best ways to teach kids about money, covering everything from pocket money rules and digital tools like SquareOne to real-life lessons in saving, spending, and generosity. Next Steps: Want your kids to grow up money-smart? Chat with Lighthouse Financial about building your own plan to lead by example. Check out Squareone here For more money tips follow us on: ...
Jun 24, 2025•17 min
Inflation is easing, rates are dropping - so why are Kiwi businesses still stuck in a rut? In this episode, we’re joined by Matt Harris, Managing Director of Lighthouse Financial, to unpack why business sentiment remains low despite positive economic signals, exploring interest rates, productivity, mindset, and access to capital. Next Steps: Want to make the most of tax breaks and falling rates? Speak to Lighthouse Accounting about structuring your business for growth. For more money tips follow...
Jun 22, 2025•16 min
Done right, debt can build wealth - not just cost it. We break down everything you need to know about the core types of mortgage lending in New Zealand - fixed, floating, revolving credit, and offset - and how to structure your debt to support your financial goals. Next Steps: If you're not sure your current mortgage structure is helping or hurting you? Chat with Lighthouse Mortgages to make sure your setup is working in your favour. For more money tips follow us on: ...
Jun 19, 2025•16 min
We get it no one likes thinking about their mortality, but planning now protects your family later. Makayla and Jess unpack the financial steps every Kiwi should take to prepare for the inevitable - from setting up a will and choosing an executor, to organising accounts, insurance, and estate planning so your family isn’t left with a financial mess during an already difficult time. Next Steps: Make life easier for your family - get your will, insurance, and estate plan sorted with Lighthouse . F...
Jun 17, 2025•15 min
From $0 to 20% deposit - here’s how Jordan did it. In this episode, we unpack the real-life journey of Jordan Hosking, who went from living paycheque to paycheque to buying his first home, using smart financial planning, forced savings, and support from the Lighthouse team. Next Steps: If you're like Jordan and looking to purchase your first home, chat to the Mortgages team - They will help you work out the smartest move based on your goals and budget. For more money tips follow us on: ...
Jun 15, 2025•29 min
Is a capital gains tax coming to New Zealand? We’re joined by Matthew Harris, Managing Director at Lighthouse Financial, to unpack what CGT could look like in 2026 — from its potential impact on investors and property prices to whether it would really solve the issues it's designed to fix. Next Steps: If capital gains tax becomes a reality, you're going to need a good accountant. The team at Lighthouse can help get in touch today . For more money tips follow us on: ...
Jun 12, 2025•19 min
Buying your first home at 55? It’s not as crazy or as simple as it sounds.In this episode, we unpack the financial trade-offs of buying later in life, the risks of taking on debt near retirement, and why it all comes down to income, time, and a solid financial plan.Next Steps: If you're weighing up buying versus renting at 55, get a personalised financial plan - Lighthouse Wealth will run the numbers and help you make the right call. For more money tips follow us on: ...
Jun 10, 2025•12 min
The way you spend, save, or stress about money? Chances are, you learned it at home.In this episode, we unpack the financial behaviours passed down through generations—from piggy banks and petrol budgets to guilt-driven spending and inherited debt. Discover how early experiences shape your relationship with money and what you can do to break (or build on) those patterns. Next Steps: The way you grew up with money shapes how you handle it now. Lighthouse Wealth can help you rewrite that story. Bo...
Jun 08, 2025•21 min
Trump’s crypto play is making headlines - but is it hype, hustle, or something more serious? In this episode, we break down Trump’s endorsement of Bitcoin, the launch of meme coins tied to his name, and the surge in market activity that followed. We explore the fine line between promotion and manipulation, the political implications, and what everyday investors should be watching for. For more money tips follow us on: ...
Jun 05, 2025•9 min
Selling your first home? Here’s what you need to know before it hits the market. From valuations and setting the right price to fixing dodgy renos and staging the home, Ray White’s Jono Barton walks us through how to prep a property for market and attract serious buyers. Learn more: get in touch with Jono or the Ray White Mission Bay team here For more money tips follow us on: Facebook...
Jun 03, 2025•37 min
Your most played moment of 2025: Compounding interest is your secret weapon to long-term wealth—if you know how to use it. In this episode, we sit down with Luke Kemeys from Keep the Change to unpack the power of compounding returns, when to invest versus pay down debt, the psychology behind delayed gratification, and how consistent action—financial or otherwise—can lead to exponential outcomes over time. Watch the full episode here Learn more about Luke here: Keep The Change Next Advisor...
Jun 03, 2025•19 min
The Investment Boost could slash your tax bill — but only if you know how to use it. Amanda Quill, Accounting Director at Lighthouse Financial, breaks down exactly how the new 20% upfront deduction works, what assets qualify, what to avoid, and how to structure your purchases to maximise the benefit without making costly mistakes. Next Steps: If you’re looking to take advantage of Investment Boost tax deduction, Lighthouse Accounting can help you understand what to buy, how to structure it, and ...
Jun 01, 2025•10 min
Don’t let winter bills freeze your budget. We break down practical ways to save on power, gas, internet, and insurance by comparing plans, dodging loyalty traps, and using tools like Powerswitch to find better deals. Next Steps: Saving on power is great—but don’t stop there. If you’re wondering whether you’re getting the best deal on your mortgage, Lighthouse mortgages can help. Chat to the team today For more money tips follow us on: ...
May 29, 2025•14 min
Your no-nonsense guide to getting started with investing. We break down the four key asset classes — cash, bonds, shares, and property — explain the pros and cons of each, unpack common mistakes, and show you how to build a smart, long-term portfolio. Perfect for beginners and a solid reset for experienced investors. Next Steps: Whether you're just starting out or looking to fine-tune an existing portfolio, Lighthouse Wealth can build an investment strategy tailored to your goals - offering inde...
May 27, 2025•16 min
OCR cuts, budget moves, and Trump’s trade threats—everything’s in motion. We break down what’s likely next for the cash rate, how the 2025 Budget could spark economic stimulus, and whether global politics might stall the recovery. Next Steps: If you’re wondering how a potential OCR cut could affect your mortgage, Lighthouse Mortgages can help you structure smarter lending for the road ahead. For more money tips follow us on: ...
May 27, 2025•11 min
Same income. Two very different financial futures. We dive into a powerful client case study — the story of “Bob,” a high-income earner whose financial trajectory diverges dramatically depending on whether he has a plan. From coasting through life to building a $5 million asset base, we break down the real cost of inaction and the small steps that can change everything. Next Steps: Earning good money but not getting ahead? Lighthouse Wealth builds smart financial plans that turn income into long...
May 25, 2025•13 min
Did the government get it right? We dive into the biggest shake-ups to KiwiSaver since the scheme began—Finance Minister Nicola Willis’ new 2025 Budget includes cuts to government contributions, new eligibility for teens, rising minimums, and a fresh set of trade-offs for your future retirement balance. Next Steps: If these KiwiSaver changes have you wondering whether your fund, provider, or contribution level is right for you - Lighthouse Financial can help . For more money tips follow us on: ...
May 22, 2025•15 min
When everyone else is sitting still, we’re making moves. we unpack why now might be the smartest time to buy, even amid uncertainty, slow sentiment, and a flood of listings—and why we're backing our strategy with action in both city centres and the regions. Next Steps: Thinking about taking the plunge? Talk to Lighthouse Mortgages —whether it's strategy, pre-approval or finding the right deal, we’ve got your back from planning to purchase. For more money tips follow us on: ...
May 20, 2025•13 min
The government’s about to drop major changes to KiwiSaver - here’s what you need to know before it hits . We break down what the National-led government is likely to announce, the impact on your retirement savings, and the big fixes we think are long overdue - including mandatory contributions and better support for the self-employed. Next Steps: Not sure if your KiwiSaver’s set up right? Book a free chat with a Lighthouse Financial advisor and get a clear, tailored strategy for your future here...
May 20, 2025•11 min
Should you crush your mortgage or chase investment gains? We unpack one of the most common financial dilemmas Kiwis face—whether to prioritise debt repayment or start investing. They break down the maths, the psychology, and the myths to help you make smarter money moves. Next Steps: If you’re still tossing up whether to pay off debt or invest, our clients don’t have to—because they’ve got a financial plan tailored to their goals. Book in a free consultation here . For more money tips follow us ...
May 18, 2025•12 min
Being single doesn't mean falling behind. Jess and Makayla dive into practical, empowering ways single Kiwis can get ahead financially—whether it's buying your first home on one income, making the most of your budget, or protecting your biggest asset: your income. They bust myths, share real client stories, and deliver clear strategies to help you build wealth and take control of your financial future—no partner required. Next Steps: Ready to take control of your finances? Book a free discovery ...
May 15, 2025•23 min
Want to give your kids a leg-up without jeopardising your own retirement? We break down smart, sustainable ways to support your children financially—covering investments, gifting, and co-ownership—while keeping your goals on track, protecting your assets, and raising financially savvy kids. Next Steps: Thinking of helping your kids onto the property ladder? Talk to a Lighthouse adviser about the smartest way to gift, loan, or co-own—without putting your finances at risk. For more money tips foll...
May 13, 2025•22 min
Trusts, tax hacks, and how the rich play the game. Amanda Quill, Accounting Director at Lighthouse Financial, breaks down the sophisticated financial structures the wealthy use to minimise tax, protect assets, and stay within the lines—and how you can apply the same principles to get your own setup working smarter. Next Steps: Not sure if your financial structure is working for you? Chat with the team at Lighthouse Financial we’ll make sure your structure fits your goals and keeps more money i...
May 11, 2025•25 min
We’re joined by Pathfinder CEO John Berry to unpack the grey areas of ethical investing, from greenwashing and responsible due diligence to AI’s energy footprint and how your KiwiSaver choices can shape a better world – all while aiming for strong returns. This episode is proudly sponsored by Pathfinder. Are you ready to align your KiwiSaver with your values? Explore how Pathfinder can help you invest ethically without compromising on performance here . Pathfinder Asset Management Limited is ...
May 08, 2025•34 min
Markets stumbled and optimism faded in Q1, as recession fears took hold and political uncertainty shook investor confidence. In this quarterly report we cover: • Q1 2025 market update • Bonds vs shares • Recession fears and global volatility Next Steps: Have you got a lump sum or not sure what to do with your money? Reach out to Lighthouse Financial for a personalised plan to help you invest with purpose. For more money tips follow us on: ...
May 06, 2025•13 min
What if every property investor in New Zealand vanished overnight? We explore the economic chaos that would follow - crunching the numbers, unpacking the housing market’s fragile balance, and revealing why their exit could crash the banking system. Next Steps: If you're a first home buyer, investor, or just want a sharper mortgage deal, chat with the team at Lighthouse Mortgages - tailored advice that works for you, not the banks. For more money tips follow us on: ...
May 04, 2025•18 min
