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Making Cents episodes
- Avoid these home buying mistakes: Non-negotiables, weird open home tricks, and red flags
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.
We’ve been talking a lot about a buyer’s market in property, which has led to my DMs filling up with hopeful first home buyers, saying, is it our time?
So this week I’ve partnered up with realestate.co.nz, who has kindly leant us their expert Vanessa Williams, and she’s going to help us answer exactly that - if you want to buy now, can you make the most of the current situation?
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.
29 min - "TradeMe nearly failed... then we sold for $750 million" - Rowan Simpson on how to make millions in startupsThere’s investing, and then there’s "Capital I Investing", the one that comes with big risk, and if it works, big reward.Today’s guest Rowan Simpson is someone who’s flown under the radar in that scene for a while, first working at some of our iconic tech startups, and then investing in them.Rowan Simpson started out by saving up $10,000 to create his own tech company, Flathunt.co.nz. He’s since gone on a journey that involves TradeMe, Xero, Vend, and Timely, iconic companies, and he’s got millions more than that first $10,000.Now, he’s a private and early-stage venture investor, keeping an eye out for that next great business that can take the world by storm.So how did he get from $10,000 to tens of millions… and what does he want the rest of us to know, before we try to copy him?Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZ/Instagram / https://www.instagram.com/francescooknz/TikTok 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#makingcents #francescook #rowansimpson #trademe #investingforbeginners #entrepreneurlifeChapters00:00 - Introduction01:52 - Rowan’s First Startup05:02 - Trade Me’s Near Death Experience07:20 - Identifying Successful Ideas11:39 - The Reality of Startup Life17:00 - Learning from Mistakes19:56 - The Role of Ego in Business21:18 - The Compounding Effect of Success25:56 - Private Investing29:13 - Rowan’s Involvement With Companies30:45 - How To Identify A Good Founder31:53 - Angel Investors35:29 - Diworsification41:03 - Balancing Life With Startups42:42 - New Zealand’s Business Reality45:28 - Advice To Founders47:26 - Pro Capital Gains Tax52:38 - Reaching Financial Freedom54:07 - Advise To Investors55:35 - “How To Be Wrong”56:49 - Conclusion59 min
- Your small business crystal ball: Predicting success from past numbers
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 Xero, which has kindly leant us their expert Mere Teinaki, from Northland Chartered Accountants, and we’re talking about how everyone says you need to know your numbers... but how do you actually do that? Then, how you use that to make a plan?
Basically, it's how to use the past to predict the future.
If you want to bag a bargain, Making Cents listeners can get a whopper of a discount on Xero. Go to this link www.xero.com/francescook to help supercharge your small business.
The information in this podcast is general information only and you should seek appropriate tax, financial and legal advice as may be appropriate for your personal or business needs.
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.
13 min - Quick Hit: Do you need a degree for your dream job?
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.
14 min - Housing, KiwiSaver, and debt: Solving NZ’s biggest money issues with the Retirement CommissionerRetirement 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 work away behind the scenes, badgering the government on everything from changing our education system, to retirement savings, to housing… it’s just that, well, there’s a lot to fix and sometimes resistance to fixing it.One of those people here in New Zealand is the Retirement Commissioner. And actually, her job starts well before you or I turn 65.One of her big projects at the moment, is actually helping us stamp out money problems while we’re still at school.So what are most of us getting wrong with our money, and are there easy wins, whether it’s from us, or bigger government changes?Follow me everywhere!Facebook / https://www.facebook.com/FrancesCookNZ/Instagram / https://www.instagram.com/francescooknz/TikTok 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/subscribeChapters00:00 - Introduction01:57 - The Role of the Retirement Commissioner04:30 - The Sorted Fund Finder05:22 - Personal Journey and Financial Awareness10:01 - The Impact of Historical Financial Crises13:21 - The Biggest Surprise In Her Role15:00 - Common Financial Mistakes and Debt Management20:48 - The One Thing You Should Set Up During Your First Job22:12 - Kiwibank Ad22:38 - Positive Trends in Saving and Financial Awareness25:40 - Balancing Individual Responsibility and Systemic Issues28:02 - Integrating Financial Education into Schools34:00 - Enhancing KiwiSaver for Future Generations44:59 - Addressing Housing Affordability and Options51:10 - Long-term Solutions for Retirement Savings56:05 - Conclusion58 min
- People are getting scammed - here's what you need to know
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 to get you, and how you can beat them at their own game.
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.
26 min - Quick Hit: What's currency risk for your investments?
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.
4 min - The four levels of FU money - and how to build them
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 alternative to buying a home.
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.
33 min - How to invest in 2025: Predictions, risks, and strategies to sleep easy
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 falling apart at the moment, and how to invest through volatility, uncertainty, and a rollercoaster ride of a stock market.
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.
23 min - Quick Hit: How to turn a creative career into a real business
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.
12 min
About Making Cents
From the publisher's feed
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!
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