Making Cents

Епизоди

• A Michelin-Trained Chef's Insider Secrets To Saving Money On Your Food 01.06.2026 30мин

  Adele Holland cooked for billionaires on private jets. Now she helps real people eat well for $50 a week, and she reckons the skills transfer better than you'd think.Adele is a Michelin-trained chef who spent years cooking in Swiss chalets and on superyachts before walking away from the waste and opulence of that world.Now, as the creator behind Dishes with Del, she's on a mission to make budget meals genuinely delicious.In this episode, we get into how to meal plan on a budget, the cheap pantry staples that do the heavy lifting, how to stretch expensive proteins further than you thought possible, and the small chef tricks that make a real difference to your grocery bill and your food waste. Think feta brine, coconut cream ice cubes, and frozen soup bases you can make from scraps.Whether you're trying to cut your supermarket spend, reduce food waste, or just get more interesting meals on the table for less, this one's for you.In this episode:How to meal plan for the week on $50Budget pantry staples every kitchen needsHow to reduce food waste with simple chef tricksHow to stretch meat and protein on a tight budgetWhy planning is the unsexy secret to saving money on groceriesThis episode of Making Cents is proudly supported by Odoo. Go to http://odoo.com/r/hpl now and try it for free, for 15 days.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomProduction and video editing by Lana ByrneAudio engineering by Tash ChittockFilmed by Fanaticals
• Are Small Homes A Bad Buy? 29.05.2026 13мин

  Apartments and townhouses are selling for less than people paid for them, and in record numbers. Frances Cook joins RNZ Nights to break down why smaller properties are taking a bigger hit than the rest of the property market and what it means for first home buyers, investors, and owners in negative equity.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe, orAudio engineering by Tash Chittock#MakingCents #FrancesCook #ShareMarket #MarketVolatility #Bitcoin #Gold #Silver #AI #BigTech #Investing #NZEconomy #PropertyInvesting #MarketCorrection
• The Money Timeline That Lets Normal People Build Wealth 28.05.2026 27мин

  If you've ever wondered why some people build real wealth on ordinary incomes, while others save for decades and still feel behind, this episode is the answer.Financial journalist Frances Cook breaks down the relationship between money and time, and why getting this right changes everything about how you invest, where your money goes, and how hard it can work for you.In this episode:The rule of 100 - how to figure out how much to invest vs keep in cashNow money, soon money, and later money - the simple framework for organising your financesWhy your emergency fund needs to stay in cash (even when it feels like a missed opportunity)Compounding returns explained simply - and why $10k will eventually feel smallThe rule of 72 - how to calculate how fast your money doublesWhether you're just starting your investing journey or want to make sure your money is working as hard as possible, this episode gives you a practical framework you can actually use.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomProduction and video editing by Lana ByrneAudio engineering by Tash ChittockFilmed by Fanaticals
• Why Overwhelmed Parents End Up Spending More Money, And How To Fix It 25.05.2026 54мин

  What if the chaos of parenthood is actually building your business brain?Renata Wiles was posting videos on the internet, with no business background, no tech background, and no real following.Now she's the founder of Roam with Kids, an app helping New Zealand parents find family-friendly places to go.In this episode, Frances talks with Renata about the messy reality of going from frustrated mum to tech founder.They’re talking:Why overwhelmed parents spend more, and the surprisingly simple fixThe KiwiSaver gap for parentsHow to turn a parenting pain point into a businessBuilding multiple income streams so one bad month doesn't sink youWhy you don't need a following, a business degree, or a perfect plan to startIf you've ever had a business idea but talked yourself out of it, this episode is the nudge you needed.This episode of Making Cents is proudly supported by Odoo. Go to http://odoo.com/r/hpl now and try it for free, for 15 days.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomProduction and video editing by Lana ByrneAudio engineering by Tash ChittockFilmed by Fanaticals
• KiwiSaver Changes On The Cards Again - Are They Worth It? 22.05.2026 6мин

  Frances Cook joins the TVNZ Breakfast team to crunch the numbers on a proposed policy that would automatically enrol newborns into KiwiSaver with a $1,000 government contribution and what that could actually be worth by the time they retire.Follow me everywhere!Facebook / Frances Cook - JournalistInstagram / Frances | Money | Investing (@francescooknz) • Instagram profileTikTok / Frances Cook on TikTokJoin the Money Memo newsletter for a free weekly money tip in your inbox each week Newsletter sign up
• NZ's Hottest Jobs in 2026… And How to Get Paid More in Any of Them 21.05.2026 37мин

  One in four young people in NZ can't find work. But some jobs are up 200% year on year.The job market hasn't collapsed - it's split. And if you're on the wrong side of that split, waiting for things to improve isn't a strategy.In this episode, we get into which jobs are actually booming right now, what the latest Stats NZ unemployment numbers really mean once you dig past the headline figure, and what it tells us about where the economy is actually heading.Then we get practical. How to make yourself the person your employer can't afford to lose. How to job hunt strategically when most roles are never even advertised. And how to ask for a pay rise, with real scripts, not vague advice about knowing your worth.We also talk honestly about AI: what it actually means for your career right now and the two smart plays depending on where you want to go.In this episode:The Stats NZ unemployment data and what's buried in itThe top 10 most in-demand jobs in NZ right nowWhy the hidden job market is 70-80% of all roles (and how to access it)Two career strategies for navigating AIHow to ask for a pay rise: timing, preparation, and the exact words to useFollow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• The Lazy Investor's Guide To Building Real Wealth 18.05.2026 39мин

  Most of us assume that getting ahead financially means working harder, watching the markets, and making smart moves. The data says that’s wrong.In this episode, Frances talks with Sean Freer, Director of Global Exchange Indices at S&P Dow Jones Indices, about why passive investing consistently beats active fund management, and what that means for everyday investors.We talk about:Why 86% of professional fund managers fail to beat the index over 15 yearsWhat index funds and ETFs actually are, and how to choose between 14,000+ optionsThe NZX 50, the S&P 500, and how market concentration really worksWhy fees quietly destroy your investments, and what to do about itThe behavioural finance traps that cause investors to sell at exactly the wrong momentWhy the "set and forget" approach outperforms almost everything elseWhether you're new to investing or already have a passive strategy, this episode will sharpen your thinking… and probably confirm you're overcomplicating it.This episode of Making Cents is proudly supported by Odoo. Go to http://odoo.com/r/hpl now and try it for free, for 15 days.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• 10 Pieces Of Advice I'd Give My 20-Year-Old Self 15.05.2026 9мин

  Frances Cook shares the ten money lessons she wishes she'd known at 20, including the mindset shifts, small habits, and easy wins that made the biggest difference to her financial life.Follow me everywhere!Facebook / Frances Cook - JournalistInstagram / Frances | Money | Investing (@francescooknz) • Instagram profileTikTok / Frances Cook on TikTokJoin the Money Memo newsletter for a free weekly money tip in your inbox each week Newsletter sign up
• Spending Money the Right Way (Most Kiwis Miss This) 14.05.2026 16мин

  It's one thing to build financial stability, it's another to actually let yourself enjoy it. In this Ask the Experts episode, Frances Cook is joined by Katie Wesney from Enable Me to unpack a problem that's more common than you'd think: what happens when the scarcity mindset that helped you build financial security starts working against you? A listener wrote in with a $5 million net worth, and genuine anxiety about spending any of it. Kmart clothes, secondhand cars, no overseas trips in six years. On paper, financially free. In practice, still living like every dollar matters. In this episode, we get into: – Why money anxiety doesn't disappear when the numbers improve – The difference between what you should spend on and what actually lights you up – How childhood experiences with money shape your relationship with it for decades – What a financial adviser actually does to help you build permission to spend – The practical systems that replace anxiety with confidence – Why the 4% rule exists, and how to think about your own number. Have a question you'd like us to tackle? Send it to ask@francescook.co.nz and you might feature on a future episode.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• Ali Mau: From TV Icon to Startup Founder at 60 (And How She Paid For It) 11.05.2026 47мин

  What does it actually cost to walk away from a successful career and build something that matters?Ali Mau is one of New Zealand's most recognised television faces, including Breakfast, Fair Go, Seven Sharp, One News.She was also made redundant five times along the way.Instead of treating each setback as a dead end, she used them as clarity. Now in her sixties, she’s co-founded Tika, a tech-for-good startup helping survivors of sexual harm.In this episode of Making Cents, Frances Cook talks with Ali about the real financial reality of a major career pivot: the year of zero income, burning through savings, accumulating debt, and why none of that was visible from the outside.They dig into how to fund a passion project when traditional funding streams are stacked against you, how transferable skills show up in unexpected ways, and what you actually need to have in place, both financially and personally, before you make the leap.If you've ever wondered how to afford a career change, how to keep the lights on while building something meaningful, or whether it's too late to start over, this episode is for you.This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• Why You Keep Buying Things You Don't Need Online 08.05.2026 6мин

  With six in ten Kiwis making impulse purchases from social media every month, Frances Cook joins the TVNZ Breakfast team to explain the manipulative tactics behind online shopping and how to take back control of your spending.Follow me everywhere!Facebook / Frances Cook - JournalistInstagram / Frances | Money | Investing (@francescooknz) • Instagram profileTikTok / Frances Cook on TikTokJoin the Money Memo newsletter for a free weekly money tip in your inbox each week Newsletter sign upBecome a confident sharemarket investor by signing up to the Market Memo newsletter Newsletter sign upAudio engineering by Tash Chittock
• The 5 Levels of Financial Freedom: Which One Are You? 07.05.2026 32мин

  Financial freedom is a series of levels, and once you understand them, the whole thing stops feeling impossible and starts feeling like a plan.In this solo episode of Making Cents, Frances Cook breaks down the five levels of financial freedom, from knowing your numbers for the first time, to the point where work becomes genuinely optional.Each level builds on the last. Each one makes the next one easier to reach, not harder. And the first level doesn't require much money at all - just honesty.We talk about:Why knowing your numbers is an underrated form of financial freedomThe one thing that reduces money stress at every income levelWhat "I have options" actually looks like in real NZ dollarsHow compounding returns turn into a second job that requires nothing from youThe 4% rule, and how to use it to figure out your numberWhy level five isn't the absence of work, it's the absence of fearWhether you're drowning in debt and just trying to get a grip, or you're already investing and wondering what comes next, this episode will tell you exactly where you are, and where to aim next.Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/investFollow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknz#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• The Emotion Sabotaging Your Money (A Psychologist Explains) 04.05.2026 39мин

  You know what you should be doing with your money. So why aren't you doing it?You know you should ask for the raise. Start investing. Stop spending on things you don't care about. And yet, somehow, you don't.Counsellor and change therapist Charlotte Cummings has a name for what's stopping you, and it's not laziness or lack of discipline.It's your unbearable feeling.In this episode, Frances Cook sits down with Charlotte to unpack one of the most powerful concepts in psychology: the one or two feelings we hate so much, we structure our entire lives around never experiencing them.And in doing so, we sabotage ourselves financially, professionally, and in our relationships — without ever realising why.We talk about:- What an "unbearable feeling" is and where it comes from- How to figure out what yours is- Why it's often behind the very thing making you successful, as well as being the very thing holding you back- Common unbearable feelings that block people from investing, saving, or asking for more- How to stop being run by your own fears (and what changes when you do)This one will make you think differently about every money decision you've been putting off.This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• War in Iran Is About To Hit Your Mortgage And Your Money - WEBINAR REPLAY 01.05.2026 46мин

  The war in Iran is already moving mortgage rates, and it's not done yet.Interest rates are moving, and this will change everything with your money. Beyond the mortgage, it’s also your savings, your investments, and even your job.So what's actually happening, and what should you do about it?Frances Cook is joined by Massey University’s Christoph Schumacher and EnableMe financial coach Katie Wesney to break down the chain reaction from a conflict on the other side of the world, straight to your bank balance.We're covering: – How a war in the Middle East ends up pushing up your interest rate – What the Reserve Bank is likely to do next, and when – The key decisions to help you be smarter with your money, and especially your mortgage– How to build genuine financial resilience when the future is uncertainYou can’t control the war. But you can control how you prepare.
• $54M Wiped From NZ Property: Here's What It Actually Means 30.04.2026 14мин

  The New Zealand property market is shifting, and the latest data from http://realestate.co.nz tells us exactly how.In just the last three months, sellers dropped their prices enough for a total of $54 million to be wiped off asking prices across New Zealand.But strangely, it could be good news, as it’s slowing from previous falls.So are we at a turning point?In this episode of Making Cents Ask the Experts, financial journalist Frances Cook sits down with Vanessa Williams from realestate.co.nz, to break down what's actually happening in the NZ property market right now. Not the vibes, the real numbers.We cover:Whether New Zealand is still in a buyer's market, and how long that might lastHow the Iran conflict and rising oil prices could affect propertyThe best strategies for sellers in this marketHow buyers can negotiate hard, and where the best opportunities are hidingWhat the data hints at for the next 6 to 12 monthsWhether you're buying, selling, or just watching the market, this episode gives you the real picture on New Zealand property in 2026.If you have a letter you’d like us to answer, send it through to ask@francescook.co.nz and you might feature on our next episode!Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• Wendy Petrie Lost Her Dream Job at 50… Then Reinvented Her BEST Life 27.04.2026 39мин

  Made redundant in your 50s? It might just be the start of something.After decades as one of New Zealand's most recognised news presenters, Wendy Petrie was made redundant from the 6pm news. No warning, no plan B, just the sudden reality of starting over at a stage of life when most people assume the big career moves are behind them.So she bought a business. Built it from the ground up. And figured it out as she went.In this episode of Making Cents, Wendy Petrie opens up about what redundancy really feels like when it hits, why she chose to bet on herself instead of looking for another job, and the raw truth about buying and building a business in your 50s - the financial risk, the steep learning curve, and what nobody tells you before you take the leap.This is the episode for anyone who's been made redundant, anyone who's wondered whether it's too late to start over, and anyone asking themselves: could I actually do this?Spoiler: you might be surprised.This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• Interest Rates Are Going Up, What To Do Next 24.04.2026 7мин

  With warnings that interest rates are heading up fast and soon, Frances Cook joins the TVNZ Breakfast team to break down what mortgage holders can do to avoid the squeeze.Follow me everywhere!Facebook / Frances Cook - JournalistInstagram / Frances | Money | Investing (@francescooknz) • Instagram profileTikTok / Frances Cook on TikTokJoin the Money Memo newsletter for a free weekly money tip in your inbox each week Newsletter sign upBecome a confident sharemarket investor by signing up to the Market Memo newsletter Newsletter sign upAudio engineering by Tash Chittock
• The Iran War Is Already Costing You, Here's What To Do About It 23.04.2026 48мин

  Petrol is up 43%. Diesel has nearly doubled. But the financial damage from the Iran war goes way deeper than what you're paying at the pump, and a lot of it is already locked in, whether there's a ceasefire or not.In this episode, Frances Cook breaks down exactly what this means for your groceries, your mortgage, your job, and your KiwiSaver. And most importantly, what you can actually do about it right now.We’re talking:- Why fuel prices won't drop quickly even if the conflict ends- The fertiliser story nobody's talking about (and why it'll hit food prices in the months ahead)- What the Reserve Bank's latest warning means for your mortgage- Whether you should change anything with your KiwiSaver or investments- Practical steps you can take today on transport, food, your job security, and moreThis isn't doom and gloom for its own sake. It's about taking back control of the parts you can actually influence.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• How A ‘Personal Brand’ Gets You Paid More (Even If You’re Not An Influencer) 20.04.2026 46мин

  Your personal brand could be the most powerful, yet overlooked, career tool you have. Marketing expert Stanley Henry, founder of The Attention Seeker, believes everyone from tradies, to career professionals, to business owners, build visibility online. And when they do, they attract opportunities, and earn more, even without going viral or becoming a full-time content creator. Stanley specialises in organic social media growth, helping everyday people figure out how to earn attention online without paying for it. The reality is the people who get the best opportunities aren't always the most qualified. They're the most visible. And if you're a secret, you don't get opportunities. In this episode: what a personal brand actually is, why it matters for your career and income, and exactly what a normal person needs to do to build one, without the cringe.This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days.Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedomThis podcast was filmed & produced by FanaticalsVideo editing & content production by Lana ByrneAudio engineering by Tash Chittock
• How To Live The Good Life For Less 17.04.2026 7мин

  Five clever ways to live the good life without blowing the budget, because cutting lattes isn't the only answer. A replay of Frances Cook's column for Stuff.co.nz, read here with permission. Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZInstagram / https://www.instagram.com/francescooknzTikTok / https://www.tiktok.com/@francescooknzJoin the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribeBecome a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest#MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom