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 cash
• Now money, soon money, and later money - the simple framework for organising your finances
• Why 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 small
• The rule of 72 - how to calculate how fast your money doubles

Whether 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.

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Production and video editing by Lana Byrne

Audio engineering by Tash Chittock

Filmed by Fanaticals