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Making Cents

Frances Cook
Kiwisaver
Financial Independence
Financial Freedom
New Zealand
Investment Strategies
Inflation
Interest Rates
Investing
Real Estate
Financial Planning
Property Investment
Retirement Planning
Kiwibank
Budgeting
Savings
Home Ownership
Debt Management
Financial Advice
Mortgages
Entrepreneurship

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, wi... more

PublishesDailyEpisodes282Founded2 years ago
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Latest Episodes

You sent in your KiwiSaver questions, time for us to answer them.

KiwiSaver is one of the biggest financial tools most New Zealanders have, but just a few changes can mean tens of thousands of dollars more for you.

Personal finance journalist Susan... more

Frances Cook joins Jim Mora on RNZ Sunday Mornings to talk through whether financial independence is actually achievable for ordinary people and how to make it work on your own terms, followed by a run through the latest money news including the AI b... more

Most parents want to give their kids a softer landing than they had.

But what if the soft landing is the problem?

This week's letter writer has done everything right, on paper. Bills covered. Kids never stressed about money. An investment account q... more

It’s time for the ultimate budget hacks to save money on food, petrol, and life.

Because a good budget should help you keep your cash for the fun stuff.

Today we’re pulling together the best tips and tricks from past Making Cents guests, so you get... more

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Recent Guests

Georgia Grange
Head of Revolut NZ
Revolut NZ
Episode: How To Travel For Years Without Killing Your Career
Janika Terellen
Property reporter for Stuff, expert on housing market dynamics in New Zealand
Stuff
Episode: Is Your Home an Investment - Or Just a Place to Live?
Kaela Hindle
Career coach and recruitment consultant
MyCareerBrand
Episode: How To Get Paid More In NZ - WEBINAR REPLAY
Dr. Kenny Ching
Senior Lecturer in Management and International Business
University of Auckland
Episode: How To Get Paid More In NZ - WEBINAR REPLAY
Rachel Mills
Founder of Side Hustles NZ
Side Hustles NZ
Episode: How To Get Paid More In NZ - WEBINAR REPLAY
Hamish Sutherland
Teen entrepreneur with multiple ventures, motivational speaker on youth entrepreneurship
Independent entrepreneur
Episode: The Kiwi Teenager With Four Businesses Bringing In Six Figures
Sarah Robb
Mindset coach and speaker
Spring with Sarah
Episode: How to Embrace Ambition Without Burnout, with Mindset Coach Sarah Robb
Mark White-Robinson
Co-founder of Feijoa, a rounding-up savings app
Feijoa
Episode: The $2 Daily Habit That Could Be Worth $419,000 at Retirement
Jim Mora
Host of RNZ Sunday Mornings
RNZ
Episode: Jobs, Mortgages, AI Investing and Extreme Saving Hacks: Your Money News Roundup

Host

Frances Cook
Host of Making Cents

Reviews

4.9 out of 5 stars from 365 ratings
  • Good, just not great

    Frances has some good observations and is clearly accomplished and intelligent. Her work is just not for me. Still well worth a listen.

    Apple Podcasts
    4
    Lunaandhope56
    New Zealand7 months ago
  • Great for early investors

    I love the way Frances manages to give me the confidence to makes changes to how I use my money and also know what I’m doing is working. Knowing you don’t need massive sums to make a difference key messaging that’s consistent

    Apple Podcasts
    5
    lifelonglover
    New Zealanda year ago
  • Money tips made easy

    Frances knowledge experience and passion is transmitted in her words. She’s so relatable and approachable when she talks money. Simple and easy to understand. Broken down into simple steps so that we can apply whatever is shared. Best financial podcast in my experience.

    Apple Podcasts
    5
    Nancyska33
    New Zealanda year ago
  • Great podcast

    Great podcast especially for those who have little financial literacy. Frances helps us peek behind the curtain and get a better understanding of how our money can work for us.

    Apple Podcasts
    5
    Jubru21
    New Zealanda year ago
  • Timely and sound

    I’ve been listening to Frances Cook podcast for many months now and being following her on instagram for longer. Her podcast is so informative, timely and based on sound knowledge and market insights. The budgeting and money insights are great! Thanks Frances for bringing good “cents” back into the conversation !! Ka pai

    Apple Podcasts
    5
    Melscoelho
    New Zealanda year ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Strong, credible host with real-world experience and data-driven insights.
Some find the pace or tone less fits their style, but the majority praise clarity and usefulness.
Listeners appreciate practical, actionable guidance that's easy to implement.
Frances is clearly knowledgeable and relatable, making money topics feel accessible.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

The "Safe" Place for Your Money Is Not What You Think
Q: What will this recent OCR hike mean for the average New Zealander?
Frances Cook explains that the OCR hike affects debt, mortgages, and everyday costs, and that savers need to balance safety with growth by considering time horizons and inflation, rather than assuming bank deposits are always safest.
How To Travel For Years Without Killing Your Career
Q: Just having a plan in place, right? So if you're talking to this person and saying, okay, some first steps to lay out a plan, what do you think they should think about?
Start by mapping backwards: determine how much you want to save before going, decide what experiences light you up, and choose a travel style that fits your budget. Then break it into concrete steps like budgeting for tipping, food, and transport, and consider taking a part-time job to build a buffer before departure.
The New Rules of Running a Side Hustle in New Zealand
Q: At what point do you need to treat the side hustle as a real setup instead of winging it, and how do you structure it?
The guest suggests creating a formal structure early, starting with a separate business account, integrating with accounting software, and gradually adopting automation to handle growing complexity as the business scales.
How to Embrace Ambition Without Burnout, with Mindset Coach Sarah Robb
Q: What does it look like now to operate from scars rather than wounds, and how does that affect your work and life?
Sarah explains that operating from scars means working from lessons learned, with intentional choices and energy awareness, which allows for ambitious goals while maintaining rest and self-trust; it changes how she shows up for clients and manages growth.
The Hidden Areas Of NZ Where Houses Don't Cost As Much
Q: Hi Frances, what should I look at first when evaluating a potential investment property?
Start with your own investment criteria: what cash flow does it need to deliver, how will it contribute to your overall wealth plan, and what does it do for your retirement goals. Don't ask how much you can spend; ask what it needs to deliver for you.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About Making Cents

What is Making Cents about and what kind of topics does it cover?

A practical personal-finance show that blends actionable money strategy with real-world stories. Across analyzed episodes, listeners hear hands-on guidance on investing (especially ETFs and index-based strategies), mortgage and housing decisions, budgeting, and building financial resilience, all framed around NZ and global contexts. Guests range from finance pros to self-made founders, with discussions often centering on behavior, planning, and measurable steps to reach financial independence. A standout feature is the mix of data-driven insights, life-and-money stories, and practical tools for navigating rates, real estate, and retirement—delivered in a clear, relatable voice that makes complex topics feel accessible for everyday financial... more

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Which podcasts are similar to Making Cents?

These podcasts share a similar audience with Making Cents:

1. Keep The Change
2. The Curve
3. Shared Lunch
4. The Property Academy Podcast
5. The Happy Saver Podcast - Personal Finance in New Zealand

How many episodes of Making Cents are there?

Making Cents launched 2 years ago and published 282 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Making Cents?

Recent guests on Making Cents include:

1. Georgia Grange
2. Janika Terellen
3. Kaela Hindle
4. Dr. Kenny Ching
5. Rachel Mills
6. Hamish Sutherland
7. Sarah Robb
8. Mark White-Robinson

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