Revolving credit might feel like financial freedom - but for most people, it can be a fast track to long-term debt. In this episode, we unpack how revolving credit works, the pros and cons, why it can be a trap for poor budgeting habits, and smarter strategies to pay off your mortgage faster.

Next Steps: If your revolving credit is holding back your financial progress, talk to the Lighthouse Mortgages team about restructuring to a plan that actually works for you.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Nearly 1 in 4 Kiwis will be over 65 by 2050 - and that’s not just grey hairs, it’s an economic shake-up. In this episode, we break down what an ageing population means for New Zealand’s workforce, housing, retirement system, and future tax burden - and what needs to change before it's too late.

Next Steps: Want to take control of your financial future? Join our next free webinar where we cover everything from buying your first home to preparing for retirement. Register here

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Think getting your first mortgage is confusing? We break it all down - from KiwiSaver strategies and saving hacks to bank vs broker comparisons and how to boost your approval odds.

We guide first home buyers through the entire mortgage process, including deposit options, gifting rules, pre-approval conditions, and common pitfalls - plus how to know if you're ready sooner than you think.

Next Steps: need help figuring out your deposit or what banks will lend you? Talk to a Lighthouse mortgage advisor and find out what options are actually available to you .

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Think you’re on track for retirement? Think again. We unpack the four biggest mistakes that are quietly derailing Kiwi retirement plans - from mortgage stress and poor financial habits to over-reliance on KiwiSaver and underestimating the true cost of retirement.

Next Steps: Worried about whether you're financially ready for retirement? Chat to Lighthouse Wealth to build a financial plan that gives you confidence and control.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Some Kiwis are walking away from property - but is that the right move?We break down why public sentiment is shifting, the risks of short-term thinking, and the structural changes in the market - from mortgage stress and declining yields to smarter buying strategies and new pathways into homeownership.Next Steps: Ready to buy your first home but not sure where to start? Chat with the expert brokers at Lighthouse Mortgages - they'll help you structure your loan, stress test your budget, and find the best deal for your situation.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Debt stress is rising across New Zealand and it’s not just mortgages. Over 485,000 Kiwis are behind on bills, with short-term debt spiking and KiwiSaver hardship withdrawals soaring. We unpack what’s driving the pressure: rising living costs, stagnant wages, and an economy that’s leaving more households at breaking point.

Next Steps:If you're unsure how to manage your mortgage in this environment, talk to Lighthouse Mortgages - whether you're refixing, refinancing, or just need a second opinion, the team can help you make a smarter move.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Should you really save every dollar for retirement? Makayla and Jess break down the key ideas from Die With Zero by Bill Perkins exploring why the rich don't die with millions in the bank, the concept of memory dividends, warm inheritances, and how to balance enjoying life now with building for the future.
Next Steps: Whether you're 35 or 55, the team at Lighthouse Wealth can help you build a financial plan to spend, gift, and retire with clarity.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Think saving a 10% deposit is out of reach? We break down the real numbers behind buying your first home in 2025 - comparing couples in Auckland and Christchurch, looking at KiwiSaver balances, income stats, cost of living, and the real timeline it takes to buy (spoiler: it’s less than you think).

Next Steps: If you're not sure where to start with your first home deposit, chat to the mortgage team at Lighthouse they'll help you crunch the numbers and make a plan that works for you.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.