Frances Cook
Making Cents
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 mak...
Author
Frances Cook
Category
Podcast website
Latest episode
Jul 9, 2026
Where to listen?
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Episodes
Quick Hit: Do you need a degree for your dream job? 01.04.2025 13:23
A highlight clip from the February 17h episode, “How to negotiate your career like a CEO”, with Rhiannon McKinnon, former CEO of Kiwi Wealth, current CEO and founder of CEO101. 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.
Housing, KiwiSaver, and debt: Solving NZ’s biggest money issues with the Retirement Commissioner 30.03.2025 57:33
Retirement Commissioner Jane Wrightson explains some of the biggest money mistakes she sees, and how we can all do something to fix them. Money can be frustrating, and all of us have had at least once or twice when we’ve wondered, why isn’t someone trying to make this a bit easier for me? Why does it have to feel like such an uphill battle? Well, there are actually some people whose job it is to w...
People are getting scammed - here's what you need to know 26.03.2025 25:01
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. This week we’ve partnered up with Kiwibank, who has kindly leant us their expert fraud specialist Alyssa Charles-Green, and we’re talking about the fraudsters and scammers who want...
Quick Hit: What's currency risk for your investments? 25.03.2025 3:22
A highlight clip from the November 11h episode, “Your questions, answered: Why I quit, best investing strategy?”. 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.
The four levels of FU money - and how to build them 23.03.2025 32:53
If you've ever wondered, what is FU money, and could you ever have enough to quit your job? In this episode Frances breaks down what FU money is, and the four levels that make it easier to achieve, from basic survival funds to true financial independence. Then it's into an Ask Me Anything, for your burning questions including how investment funds work, and the benefits of rentvesting as an alterna...
How to invest in 2025: Predictions, risks, and strategies to sleep easy 19.03.2025 22:35
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. This week we’ve partnered up with AMP, which has kindly leant us their expert Aaron Klee, General Manager, Investment Management. We’re talking how it feels like the world is...
Quick Hit: How to turn a creative career into a real business 18.03.2025 11:56
A highlight clip from the December 9th episode, “The secret to making money doing what you love”, with Pepper Raccoon, artist and merch designer. 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.
“Screw it, just try” – how to turn your side hustle into the main hustle 16.03.2025 50:20
Beth Vickers, vocal coach, singer, doula, gardening influencer, shares how motherhood led to changing everything about her career. It can be really hard to make life and work fit together, and that’s particularly the case when kids come along. Time becomes scarcer than ever, but you also very much need to keep paying the bills. Now you might not think that that’s the ideal time to laun...
The smart house seller's guide: Winning tactics for a changing property market 12.03.2025 25:27
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. This week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and we’re talking about what you need to know before you sell your house,...
Quick Hit: How to boost your money motivation 11.03.2025 4:30
A highlight clip from the November 4th episode, “The no BS strategy for budgeting, investment, and ditching debt”, with Glen James, author of The Quick-Start Guide to Investing and host of the Money Money Money podcast. Links If you want to join the Money Bootcamp course, click here https://www.francescook.co.nz/money-bootcamp Follow Frances Cook on Facebook , Instagram and TikTok , or join the Mo...
"You can be a good Muslim and be rich" - the world of halal investing 09.03.2025 47:30
Muhammad Lambat, content creator and founder of @musliminvesting, shares how halal investing works, and some of the barriers for Muslim people becoming confident with their money. There are lots of issues that can hold people back from learning about their money, and one of them is just feeling like it could all be a bit complicated and hard. So add in a layer of religion, and what works and doesn...
Tax time myths, expenses, and avoiding costly mistakes 05.03.2025 24:17
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. This week I’ve partnered up with Xero, who has kindly lent us their expert, chartered accountant Paul Churchman, and we’re talking about the myths that pop up at the end of the fin...
Quick Hit: Why mini retirement beats early retirement 04.03.2025 8:41
A highlight clip from the December 23rd episode, “Why this family switched 'early retirement' for 'mini retirement' in a van”, with Kellie Dawson. Links If you want to join the Money Bootcamp course, click here https://www.francescook.co.nz/money-bootcamp 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.
How to organise your home to save money 02.03.2025 40:32
Angela McLachlan, professional organiser and founder of Sort My House, shares how to organise your life to reduce stress and save money. When you’re trying to live your best life for less, there’s an underrated trick… just getting organised. Knowing what you have, and where it is, can mean not buying as much overall. Not to mention, your time has value, and being organised can save a h...
From budgets to bottles, how to prep your money for parenthood 26.02.2025 16:21
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. This week we’ve partnered up with Kiwibank, which has kindly leant us their expert Hayley Tito, senior product manager for everyday banking, and we’re talking parenthood and...
Quick Hit: Why loving your job can hold you back 25.02.2025 14:12
A highlight clip from the December 16th episode, “The hidden psychology that helps you build wealth - and why meditating hurts your money”, with Dr Brad Klontz, co-author of the new book Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom. Links Follow Frances Cook on Facebook , Instagram and TikTok , or join the Money Memo newsletter for a free weekly money tip in you...
Predatory lending just got worse - the ugly truth of cosmetic surgery loans 23.02.2025 34:21
Frances Cook breaks down the problem with plastic surgery loans now targeting you on social media, then answers your questions in a quick-fire Ask Me Anything session. 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.
Why is insurance getting more expensive? 19.02.2025 26:54
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. This week we’ve partnered up with AdviceFirst, which has kindly leant us their expert Willie Moala, national insurance lead. We're talking everything you've always wanted to know a...
Quick Hit: How to combine family life, and financial freedom 18.02.2025 7:42
A highlight clip from the December 23rd episode, “Why this family switched 'early retirement' for 'mini retirement' in a van”, with Kellie Dawson, financial freedom seeker and mum. 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.
How to negotiate your career like a CEO 16.02.2025 1:00:06
Rhiannon McKinnon, former CEO of Kiwi Wealth, current CEO and founder of CEO101, talks climbing to the top of the finance industry, how analysts make investing decisions, and how to take your career to the next level. Your career is a huge investment in your financial future, but only if you take control of it. If you want to earn more, and get the bigger opportunities, you have to get strat...
Myth or truth: Do property values really double every ten years? 12.02.2025 19:46
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. This week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and we’re talking about what actually happens with house values, the myths...
Quick Hit: Be careful of making "bad with money" your personality 11.02.2025 4:14
A highlight clip from the Novemer 11th episode, “Your questions, answered: Why I quit, best investing strategy?”. 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.
Viral mortgage hacks debunked: Separating clickbait from real advice 09.02.2025 47:33
Dan Bell, financial adviser and co-founder of Colab Mortgages, shares how his tips for property investment, mastering the mortgage, and understanding international money markets. If you’ve been lucky enough to get a first home, or even an investment property, there’s two things that happen quite quickly. First, the excitement of making a big money move for your future. Second, the mild...
Small business hacks: accountant edition 05.02.2025 21:56
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. This week I’ve partnered up with Xero, who has kindly lent us their expert Bridget Snelling, Country Manager NZ and we’re talking about how to stop any extra money leaking out of y...
Quick Hit: The neurodivergent guide on how to run a small business 04.02.2025 6:47
A highlight clip from the December 9th episode, “The secret to making money doing what you love”, with Pepper Raccoon, artist and merch designer. 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.
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