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. HACE 23 H

    Why we financially sabotage ourselves, and how to stop

    Most of us don’t just make money mistakes, we repeat them. Why? Because our money beliefs and money psychology are quietly running the show. In this episode of Making Cents, financial journalist Frances Cook dives into how financial self-sabotage happens, with guest Nick Alcock, a tax debt coach and chartered accountant who uses financial therapy techniques. From compulsive buying and gambling, to financial enabling, money avoidance, and even being too scared to ask for a pay rise, it’s all on the table. Nick explains how childhood money stories, financial flashpoints, and subconscious money beliefs shape the way we spend, save, and manage debt. He shares real client examples of people earning six figures but still trapped in tax debt, the common red flags like financial infidelity or compulsive shopping, and why shifting from a scarcity mindset to an abundance mindset can change everything. Whether you’re struggling with overspending, stuck in fear of negotiating your salary, or trying to understand why you keep sabotaging your financial goals, this conversation will help you spot the patterns, and start building healthier money habits. 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. Hosted on Acast. See acast.com/privacy for more information.

    37 min

  2. HACE 4 DÍAS

    Using your home to buy investment property: smart or risky?

    Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word on what’s happening right now, and what that means for the tactics that you should use to make the most of your money. If you’re thinking about property investment, there’s one word that always comes up - leverage. It’s the strategy of using your home’s value to invest into something else, usually more property. When it works, it can supercharge your wealth. When it doesn’t? You’re putting your family home on the line. In this episode, we unpack how to use leverage the smart way, with financial strategist Katie Wesney from enableMe. We cover when it’s worth considering, the emotional and financial resilience you need, and how to avoid rookie mistakes that can cost you big. Whether you're already in the property game or just thinking about it, this one could save you serious money, and a lot of stress. 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. Hosted on Acast. See acast.com/privacy for more information.

    16 min

  3. 14 SEP

    What it’s really like to quit work forever at 30, with Captain FI

    It’s a fantasy many of us share: what if you could retire early, walk away from your job forever, and live life on your own terms by the age of 30? Would it be all freedom and fun… or would the reality look very different? In this episode of Making Cents, I talk to Captain Fi, one of Australia’s most well-known FIRE (Financial Independence, Retire Early) bloggers. He shares what it really takes to achieve financial independence at such a young age, and whether he would actually recommend it to others. Captain Fi started out as a pilot, a career that cost him over $300,000 in training. Determined to buy back his freedom, he focused on three strategies that define the FIRE movement: Earn as much as possible through a high-paying job and multiple side hustlesSpend as little as possible by keeping living costs low and avoiding lifestyle creepInvest everything left over into shares and growth assets to build wealth quickly By living on less than $40,000 a year, while sometimes saving up to 90% of his income, he was able to quit work in his early 30s. Today, Captain Fi lives on a hobby farm in Queensland with his wife and young daughter, raising bees, planting gardens, and building the family-focused life he always wanted. But his journey also included burnout, grief, and a surprising twist: after a short period of “retired life,” he realised it wasn’t fulfilling enough and pivoted into something new. In this conversation, we cover: How he built financial independence by 30The reality of early retirement versus the daydreamWhy he “un-FIRE’d” and bought a farmThe hidden challenges of extreme savings and burnoutHis advice for anyone chasing financial freedom today If you’ve ever wondered what early retirement really looks like, or how to use the FIRE movement to reshape your own career and lifestyle, this episode has the insights from someone who has lived it. 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. Hosted on Acast. See acast.com/privacy for more information.

    51 min

  4. 11 SEP

    No pay rise? How to ask for benefits instead

    Fast Money with Jim Mora on Sunday Morning with RNZ. Chatting everything from cost-of-living savings, how to pay off debt faster, how to get a pay rise or what to do next if a pay rise is turned down, and what's happening with the property market at the moment. 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. Hosted on Acast. See acast.com/privacy for more information.

    14 min

  5. 10 SEP

    Side hustle mistakes that cost you time and money

    Side hustles can boost your money life, but only if you avoid the mistakes that tank most people early on. In this episode of Making Cents: Ask the Experts, we’re breaking down the most common side hustle mistakes, and how to avoid them. From financial pitfalls to admin overload, we’re giving you real, practical advice to help you start a side hustle that actually works. I’m joined by Joanna Greaves, General Manager of Business Banking at Kiwibank, who’s seen thousands of small businesses and side hustles come through the system. She shares what works, what fails, and the one thing most people forget to do when turning a small idea into a successful income stream. We cover: • How to start a side hustle the smart way • Financial tips for side hustlers (before you even make your first dollar) • When to move from personal to business accounts • The hidden risks that catch beginners out • The one step that separates sustainable hustles from burnout traps If you want to start a business on the side, build up financial freedom, or just make a little extra income, this episode gives you the roadmap, minus the guru hype. 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. Hosted on Acast. See acast.com/privacy for more information.

    15 min

  6. 7 SEP

    How to find a financial adviser you can actually trust (In NZ)

    Finding a financial adviser in New Zealand can feel both overwhelming, and risky. With so many options, how do you know who to trust with your money, your KiwiSaver, your mortgage, or your retirement plan? In this episode of Making Cents, Frances Cook breaks down exactly how to find a financial adviser in NZ that you can actually rely on. We cover when you really need an adviser, what they can (and can’t) do for you, how they get paid (fees vs commissions), and the red flags that should send you running. Whether you’re buying your first home, setting up life insurance, planning for retirement, or investing a lump sum, this guide will show you how to: Check if an adviser is licensed and registered in New ZealandUnderstand their specialtiesAsk the right vetting questions before you sign anythingSpot common conflicts of interest and sales tacticsKnow the difference between real advice and a product pitch Your financial adviser should be a co-pilot, not the pilot. This episode will help you feel confident, avoid getting burned, and choose someone who puts your interests first. 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. Hosted on Acast. See acast.com/privacy for more information.

    41 min

  7. 4 SEP

    Small changes to beat the cost of living

    Whether you're hitting the supermarket, or paying your regular bills, here are some quick ways to tackle the cost of living in your daily life. Frances Cook talks to the TVNZ Breakfast team about the ways to fight the price rises. 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. Hosted on Acast. See acast.com/privacy for more information.

    7 min

  8. 3 SEP

    The KiwiSaver trap: why a common tactic can accidentally torpedo your nest egg

    Are you accidentally sabotaging your KiwiSaver? KiwiSaver is one of the most powerful tools New Zealanders have for growing wealth, but if you’re on autopilot, you could be losing tens of thousands of dollars without realising it. In this episode of Ask the Experts, we reveal the common KiwiSaver mistakes that are quietly shrinking your nest egg, and the easy fixes that could supercharge your long-term savings. Whether you're using KiwiSaver for retirement, your first home deposit, or both, it’s time to stop treating it like a passive savings account. Frances Cook is joined by Kristin Sutherland from EnableMe to break down: The risks of “set and forget” with KiwiSaverHow to rebuild your account after using it for a first home depositWhy your KiwiSaver fund type (growth vs conservative) matters more than you thinkHow often you should review your KiwiSaver settingsThe first step to take if you've ignored your KiwiSaver until nowIt only takes a few small tweaks to get your KiwiSaver working harder, and fixing it might take less time than listening to this episode. Listen now to protect your future wealth, and make sure every dollar is doing the most for you. 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. Hosted on Acast. See acast.com/privacy for more information.

    18 min
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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.

Información

  • Creador
    Frances Cook
  • Años de actividad
    2024 - 2025
  • Episodios
    146
  • Clasificación
    Apto
  • Copyright
    © Frances Cook
  • Mostrar sitio web
    Making Cents

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