# Have I Set My Kids Up, or Set Them Back?

Page: https://stenobird.com/podcast/making-cents-6998736/have-i-set-my-kids-up-or-set-them-back
Text version: https://stenobird.com/podcast/making-cents-6998736/have-i-set-my-kids-up-or-set-them-back.md
Podcast: [Making Cents](https://stenobird.com/podcast/making-cents-6998736)
Published: 2026-08-05T16:00:00+00:00
Episode link: https://www.francescook.co.nz/making-cents
Audio file: https://episodes.captivate.fm/episode/dcce4ea0-0f68-4f2d-98ec-997a5db69547.mp3
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JSON: https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/have-i-set-my-kids-up-or-set-them-back
Duration seconds: 1128

## Resource

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 quietly building in the background, for a nice surprise one day. But with the kids about to fly the nest, they're rethinking whether thiswas the right tactic. Because maybe protecting them from money stress means they've never actually learned to handle it. Katie Wesney, national coaching lead from EnableMe has answers. Together with Frances Cook, they talk about: How to talk to kids about money without making it a source of stress Whether a secret investment account is a gift, or a missed lesson The right age to start involving kids in money decisions Should you give your kid an allowance at university, or let them work for it What financial independence should actually look like for a teenager leaving home If you've ever wondered whether doing everything for your kids is setting them up, or setting them back, this is the one to listen to. If you have a letter you’d like us to answer, please send it through to ask@francescook.co.nz and you might feature on our next episode! Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/subscribe Become a confident sharemarket investor by signing up to the Market Memo newsletter https://www.francescook.co.nz/invest #MakingCents #FrancesCook #MakingCentsPodcast #InvestingPodcast #MoneyPodcast #FinancialFreedom Production and video editing by Lana Byrne Audio en…

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## Transcript

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