Making Cents

Frances Cook
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The podcast for people who want financial freedom, without giving up their coffee. That means it's time to make the money world make cents. Join Frances Cook, best-selling author and award-winning journalist, to talk about the proven ways to invest your way to financial independence, buy your first home, or just get your spending under control. Every Monday we have the week's feature interview, with someone who's done something interesting with their money. From paying off a mountain of debt, or investing for financial independence, or starting a new business, these are the ordinary people making the extraordinary possible. On Thursday we have Ask the Experts, where industry insiders answer your questions on the money world. From earning more in your career, to investing, or sticking to a budget, they'll help make money simple. Every now and then you'll get a bonus episode too, but the fun of those is that you never know when they're coming! Hosted on Acast. See acast.com/privacy for more information.

  1. −13 H

    Jobs, interest rates, and real strategies for surviving New Zealand's ‘grumpy’ economy WEBINAR REPLAY

    If you feel like you’re doing it tough, you’re far from alone. The New Zealand economy has been struggling, and regular New Zealanders are feeling the pinch. Business confidence is down, unemployment is up, and core cost-of-living measures such as food and power prices don’t look good. Interest rates are now falling, but house prices are staying flat. So is there hope for an economic comeback, or is there the possibility of a deeper crash? Time to bring in the experts, with: Simplicity chief economist Shamubeel EaqubInterest.co.nz economics and politics reporter Dan BrunskillANZ senior economist Miles Workman. They’re ready to break down what’s actually going on, and what you need to know to protect your money, and ride out the storm. We’ll debate: The Reserve Bank’s "shock therapy" OCR cut, and whether more is comingWhether NZ’s housing market is bouncing back or still heading down.The truth about job security and the real state of the labour market.The smartest money moves right now, for mortgages, savings, and KiwiSaver. Links Follow Frances Cook on Facebook, Instagram and TikTok. Join the Money Memo newsletter for a free weekly money tip in your inbox each week, or become a confident sharemarket investor by joining the Market Memo newsletter. This podcast was filmed and produced by Fanaticals Video editing & content production by Lana Byrne  Audio engineering by Tash Chittock Hosted on Acast. See acast.com/privacy for more information.

    55 min

  2. −1 D

    Mailbag: “How much should I save, when my job is shaky?”

    How much should you actually have in savings to feel safe? In this week’s Ask the Experts, it’s a listener letter from someone worried about layoffs and wondering whether they’ve saved enough - or maybe even too much. Heartland Bank’s Will White joins the show to unpack what a real emergency fund looks like in 2025. How many months of expenses should you really have tucked away? What happens if you over-save and leave too much cash sitting idle instead of investing it? And where’s the best place to keep your buffer; a high-interest account, term deposit, or offset mortgage? If you’ve ever paused your investing to “build up the savings” or felt unsure what enough really means, this episode will give you a clear, practical framework to find your financial safety zone. Links Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week. This podcast was filmed and produced by Fanaticals Video editing & content production by Lana Byrne  Audio engineering by Tash Chittock Hosted on Acast. See acast.com/privacy for more information.

    17 min

  3. −4 D

    Financiallly free in just 11 years, with The Happy Saver

    What if financial freedom didn’t take a lifetime, but just 11 years? Ruth Henderson,also known as The Happy Saver, proves it’s possible. She’s never been on a huge salary, didn’t get an inheritance, and never flipped property. Instead, through smart saving, simple investing into the sharemarket, and relentless consistency, they built enough wealth to become work-optional in just over a decade. And Ruth’s ready to share exactly how they did it. In this episode, we cover: How to reach financial independence in New Zealand (without earning six figures)The power of tracking net worth and using KiwiSaver wiselyHow index funds and compounding growth create true passive incomeWhy “work optional” freedom is more achievable than most Kiwis think If you’ve ever wondered how ordinary New Zealanders can retire early (or just get financially free, faster) this episode is your blueprint. Links Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week. This podcast was filmed and produced by Fanaticals Video editing & content production by Lana Byrne  Audio engineering by Tash Chittock Hosted on Acast. See acast.com/privacy for more information.

    59 min

  4. 16 OKT.

    Why 'perfect balance' can wreck your finances

    Your bank balance might be looking rough, but don’t panic. Frances Cook joins the TVNZ Breakfast team to explain why it’s normal for your money to ebb and flow, why “perfect balance” is a myth, and how to stay on track through the messy seasons of life and money. Links Follow Frances Cook on Facebook, Instagram and TikTok. Join the Money Memo newsletter for a free weekly money tip in your inbox each week, or become a confident sharemarket investor by joining the Market Memo newsletter. Hosted on Acast. See acast.com/privacy for more information.

    9 min

  5. 15 OKT.

    The $1 trillion time bomb: Why Kiwi families are blowing the inheritance conversation

    New Zealand is in the middle of a $1 trillion inheritance wave, and most families are walking into it completely unprepared. As Baby Boomers move into their 70s and 80s, we’re experiencing the biggest intergenerational wealth transfer in the country’s history. But the money isn’t the problem, it’s the silence. In this episode of Making Cents, financial journalist Frances Cook is joined by Katie Wesney from EnableMe to break down the inheritance conversations Kiwis aren’t having, and the painful consequences when families avoid them. The truth is that most New Zealand families have no plan for what happens when assets are passed on. Whether the estate is large or small, failing to talk about money, wills, and expectations can lead to legal mess, financial loss, and long-term family rifts. We explore: Why inheritance is about more than money, it’s about love, fairness, and recognitionThe real-world emotional and financial fallout of poor estate planningWhy avoiding the hard conversations now can destroy relationships laterWhere families should start when they realise it’s time to talk If you want to protect your family and your finances, this episode is your must-listen guide to having the inheritance conversation before it’s too late. Links Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week. This podcast was filmed and produced by Fanaticals Video editing & content production by Lana Byrne  Audio engineering by Tash Chittock Hosted on Acast. See acast.com/privacy for more information.

    14 min

  6. 12 OKT.

    "I nannied for billionaires, it changed my entire money outlook”: building a business on your own terms, with Hannah Koumakis

    What if the 9-5 is over? The idea of a steady job and one career path for life is becoming rarer, and maybe even unrealistic. In this episode of Making Cents, Frances Cook talks to Hannah Koumakis about what it actually looks like when you build a career across acting, business, content, and community, all at once. What happens when you abandon the “one job for life” model, and instead create opportunities in the new world of work, where you often need multiple streams of income to get ahead, and where your financial systems need to be even sharper to hold it all together? In this episode we talk about: How to build multiple income streams without chaosThe financial systems that make it all workWhy emotional resilience matters as much as budgetingThe tough times, and why she nearly gave it all upWhat the future of work really looks like for your bank account Links Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week. This podcast was filmed and produced by Fanaticals Video editing & content production by Lana Byrne  Audio engineering by Tash Chittock Hosted on Acast. See acast.com/privacy for more information.

    53 min

  7. 9 OKT.

    "Shock therapy" OCR cut, job pain, mortgage gain? Here's what's really going on

    The Reserve Bank has slashed the Official Cash Rate, so what does that mean for how bad the economy is, and what is coming next? Frances Cook talks to the TVNZ Breakfast team about what you need to know for your mortgage, your job, and the overall economy. Links Follow Frances Cook on Facebook, Instagram and TikTok. Join the Money Memo newsletter for a free weekly money tip in your inbox each week, or become a confident sharemarket investor by joining the Market Memo newsletter. Hosted on Acast. See acast.com/privacy for more information.

    7 min

  8. 8 OKT.

    Mailbag: “Can I find an undervalued suburb, or was my parents’ success just luck?”

    A listener letter asks if you can really find an undervalued suburb, or is it all luck? Host Frances Cook is joined by Vanessa Williams from http://realestate.co.nz to unpack whether you can actually spot an up-and-coming suburb before it booms. Sure, one clever buy could mean your net worth booms, but how do you play that game to win? This episode digs into: How to use real estate data to compare suburbs and spot growth trendsWhat infrastructure, transport links, and buyer demand reveal about the next boom suburbWhy some “bargains” stay cheap, and how to tell the difference with ones that are about to soar in priceSmart, practical tips for first-home buyers chasing value in New Zealand’s housing market If you’ve ever wondered how to find the best suburb to buy your first home, or whether “undervalued areas” really exist anymore, this episode has your answers. Send in your own questions, by emailing ask@francescook.co.nz Links Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week. This podcast was filmed and produced by Fanaticals Video editing & content production by Lana Byrne  Audio engineering by Tash Chittock Hosted on Acast. See acast.com/privacy for more information.

    17 min
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Om

The podcast for people who want financial freedom, without giving up their coffee. That means it's time to make the money world make cents. Join Frances Cook, best-selling author and award-winning journalist, to talk about the proven ways to invest your way to financial independence, buy your first home, or just get your spending under control. Every Monday we have the week's feature interview, with someone who's done something interesting with their money. From paying off a mountain of debt, or investing for financial independence, or starting a new business, these are the ordinary people making the extraordinary possible. On Thursday we have Ask the Experts, where industry insiders answer your questions on the money world. From earning more in your career, to investing, or sticking to a budget, they'll help make money simple. Every now and then you'll get a bonus episode too, but the fun of those is that you never know when they're coming! Hosted on Acast. See acast.com/privacy for more information.

Information

  • Skapad av
    Frances Cook
  • Aktiva år
    2024 - 2025
  • Avsnitt
    160
  • Åldersgräns
    Barnvänligt
  • Copyright
    © Frances Cook
  • Programmets webbplats
    Making Cents

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