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Kellie Dawson, financial freedom seeker and mum, shares how her family were able to quit work and hit the road in Australia, for a year of nomad life in a van.
There’s a tension when we talk about money.
Often creating financial security for the future can mean giving things up now… but life is also for living, and you could get hit by a bus tomorrow.
So how do you balance it?
By setting goals, and a strategy, but being willing to change them along the way.
That’s exactly what today’s guest did.
They wanted to create financial freedom, setting the ambitious goal to not need to work by the time they hit forty.
But then, as they had kids, and those kids started to grow up, they wanted to change those goals.
Specifically, to be able to take a year off, travel around Australia, and spend quality time with the kids before the kids were too old to want to do it anymore.
So that’s exactly what they’re going to do, with the plane tickets booked for later this year.
Has it changed the strategy? A little bit.
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.
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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 MJ Vergara, senior economist, and we're talking the economy. Is it good, is it bad, and what does all of this mean for your wallet? Can you expect a pay rise in 2025, and what's going to happen with house prices?
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.
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Dr Brad Klontz, co-author of the new book Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom, shares how money beliefs can hold you back.
Most of us have been there - you know what you should be doing with money, but you’re not doing it.
Why?
Well there’s a whole bunch of wiring deep in our brains that can trip us up and sabotage us.
That doesn’t mean it’s all a lost cause … it means that you need to take control of your mind, before you truly take control of your money.
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.
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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 house versus apartment.
There are some key differences between these property types, and it can seriously impact your money.
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.
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Pepper Raccoon, artist and merch designer, shares her tactics for creating a proper living out of being an artist.
There’s a common belief that when you’re making career choices, you have to choose between doing what you love, or making money.
While that’s sometimes true, it’s doesn’t have to be true.
Even creatives, the ones most famous for becoming starving artists, can find systems to make a living without selling out to the man.
It does, however, take a strategy. After all, if it was easy, everyone would do it.
Well one such creative was nice enough to take time out of her day to walk me through exactly how she makes a good living as an artist.
Wellingtonian Pepper Raccoon has been going for seven years now, working as a fine artist who makes pins, t-shirts, and other merchandise.
It’s going so well that she’s even had to upgrade from being a sole trader, to a registered company, a big milestone.
Here’s how she makes it work.
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.
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Frances Cook shares listener tips for being money smart over Christmas, for everything from presents, to food, and bringing in extra cash to fund it all.
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.
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Nick Carr, financial analyst from Your Money Blueprint, shares why he regrets paying off his mortgage early, and the numbers behind why he would have invested into shares instead.
Paying off the mortgage early is a good thing… right?
Well, one New Zealander worked hard to do that, and then decided, he’d actually shot himself in the foot.
When a big accident happened, the money he’d sunk into the mortgage wasn’t available, when he could have done with some cash savings to get through a tough time.
Meanwhile, he later discovered investing into shares, and on looking back wished he’d put more money into those investments instead.
So when is paying off the mortgage early a good idea, when is it not, and how do you balance it all?
Here’s how he would handle it now if he had his time over again.
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.
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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, client adviser Devon Walen, and we’re talking about if there are times when putting more into your KiwiSaver can actually be a bad idea.
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.
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Frances Cook talks kids and money with Chris Chang, on TVNZ's Breakfast.
Last week I was on TVNZ’s Breakfast, talking to Chris Chang about some strategies to talk to your kids about money.
Particularly with Christmas coming up, can it be a present? What’s the best way to go about it?
I get these questions in my inbox all the time, and the Breakfast team were nice enough to say I could put the audio up here as well, for you to listen to. Enjoy.
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.
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Rachel Leutele, also known as the Savvy Saver, shares her tips for staying on a budget as a family, and changing your money to prioritise life.
Becoming a stay at home mum is something that many people would like to do, but don’t necessarily have the funds for.
It’s easy to think it’s only possible if one of the parents has a six figure income.
But this mum, fresh out of getting her law degree, decided she wanted to make the stay at home mum life work even if it meant being on a string bean budget.
She’s become really focused on ways to cut back and manage expenses, and shares that journey on her Instagram account as @the_savvy_saver.
Here’s how she finds ways to cut back, but also, throw just a few treats in there too.
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.
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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 about the different bank accounts that can make the most of your money.
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.
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Frances Cook talks cryptocurrency with Jim Mora, on RNZ's Sunday Morning.
You might have noticed that there was a fairly significant election recently, with Donald Trump once again about to be President of the US.
Well this has impacted all sorts of things, including the financial world, and one of those big impacts has been on crypto.
In true Trump style, he’s done a 180, going from calling it a scam in 2021, to now starting his own cryptocurrency, and saying that the US government is going to boost bitcoin. As you can imagine, that’s increasing the hype and sending prices, to the moon.
Well, the lovely Jim Mora from RNZ Sunday Mornings asked me to come on the radio and detangle this for him. He’s one of my favourite people to be interviewed by, so of course that was a yes. He also agreed that I could re-run the audio on this podcast, which was very kind of him.
So here’s a special bonus episode of myself and Jim talking all things crypto. Enjoy.
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.
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Angela Strang, property investor and business owner, shares her tips for reaching financial independence.
Sometimes a difficult experience early in life will shape you, for better or worse.
For Angela, it was an early experience of finding herself as a child with her family in women’s refuge, that made her determined she would create financial stability for herself, and any future family that she had.
So as a young adult she looked for highly paid jobs, and funneled that into property investments.
But after hitting financial independence at 33, she didn’t want to stop.
Now she’s on the cusp of buying a business, too.
Why not stop and kick back a bit?
Well, because she wants to help other kids who might be in a similar situation to what she once was.
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.
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TV presenter Brodie Kane shares her co-ownership journey, and what she learned from hosting the new TV series On The Ladder with Kiwibank.
Buying a house is far from easy, because let’s be honest, they’re expensive
Building up a deposit, getting approval from the bank, then keeping paying it off, it’s all a bit of a mountain to climb
Not to mention, if something goes wrong with the house, you’re now in charge and have to figure repairs, maintenance, and all the other very adult stuff.
Well some people are teaming up to make these problems less scary.
Rather than buying with a romantic partner, you could buy in with family, or friends.
Big commitment there, but for some, the only way to get into property.
So what can go right and wrong with this, and how do you do it smartly?
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.
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Frances Cook answers the questions that you sent in, in a solo episode covering the best investing strategies, and why she launched her own business.
This week, it’s something a little different.
Things have changed around here recently, and I know that’s left people with a few questions.
So I opened things up through social media to say, what are the questions on your mind?
Everytjing from investing strategies, to why I quit my old job, came through.
So… let’s whip through and give you some answers.
Questions in this episode:
Is there any hope for people just starting out to achieve Financial Independence?
Advice for 26yo you?
Is there a way to get your kiwisaver out without buying a house? Other investment schemes are better.
What small things can I do to kick off investing when I don’t have a lot of money at all?
Financial book recommendations?
Are you scared to start your own business in a recession?
What was your full time job before?
What happened to Cooking the Books? I loved it!
Do you miss writing about non-financial topics?
How do you personally manage the currency risk of your investments? Do you buy hedged products?
How is your hair so shiny?
What’s your favourite luxury product you’ll never scrimp on? Mine’s fancy toilet roll.
Just listened to the episode about how to pay off your home loan faster and it was fantastic and made so much sense. But what about for people who maybe can only save couple of thousand a year? Not really enough to warrant floating, or is it? Or what if you’re just a terrible saver (asking for a friend) or live almost week to week? How much difference does using a mortgage offset actually make?
How many ETFs is good. And if you can’t buy a house, what’s the next best thing to do please.
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.
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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 all of those acronyms that turn into alphabet soup when you’re just trying to figure out what’s going on in the property world.
So today... we're jargon busting.
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.
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Glen James, author of The Quick-Start Guide to Investing and host of the Money Money Money podcast, talks money pitfalls and how to invest successfully.
Learning how to invest has to be one of the top questions I get in my inbox each week.
And I love investing - it’s one of the fun parts of taking control of your money, to see it grow as well.
But of course there are pitfalls, and you need to have your financial house in order before you give it a whirl.
So how do you avoid the bear traps? Let’s talk to someone who’s ready to drop… more than a few truth bombs.
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.
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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 Kate Brownsey, a sustainable investment analyst, and we’re talking about greenwashing and how to avoid being tricked by it... because nobody likes that.
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.
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Natasha Etschmann, as known as Tash Invests, shares how investing into stocks and the sharemarket created the opportunity to move from working in health, to running her own business.
When you think about starting your own business, the usual advice is to take what you already do for work, and turn it into something you can do on your own.
So what if an opportunity comes along that’s totally different to what you’ve been doing until now?
That’s what happened to Tash Invests, otherwise known as Natasha Etschmann.
One minute she was working as a support worker, finishing her studies to become a full-time occupational therapy worker, and the next her videos about her savings and investments were blowing up online.
Making the leap from health, to finance and content creation, is a fairly big one.
But she eventually decided, it was time to at least try.
Here’s how she made it work.
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.
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A highlight clip from the September 30th episode, "How house sitting with alpacas turned into a digital nomad dream", with Sarah Kelsey from the OneUp Project.
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.
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