{"podcast":{"title":"Making Cents","slug":"making-cents-6998736","podcast_index_feed_id":6998736,"rss_url":"https://feeds.captivate.fm/makingcents/","website_url":"https://www.francescook.co.nz/making-cents","image_url":"https://artwork.captivate.fm/3f4ddd44-6a56-460b-88eb-950d815bc419/frances-cook-making-cents-podcast-art-no-acast.jpg","author":"Frances Cook","episode_count":304,"summary":"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!","last_synced_at":"2026-09-30T18:22:32.383115+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736"},"episode":{"title":"Have I Set My Kids Up, or Set Them Back?","slug":"have-i-set-my-kids-up-or-set-them-back","published_at":"2026-08-05T16:00:00+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736/have-i-set-my-kids-up-or-set-them-back","show_page_url":"https://stenobird.com/podcast/making-cents-6998736","url":"https://www.francescook.co.nz/making-cents","audio_url":"https://episodes.captivate.fm/episode/dcce4ea0-0f68-4f2d-98ec-997a5db69547.mp3","summary":"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…","meta_description":"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 every…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1128,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/have-i-set-my-kids-up-or-set-them-back/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/making-cents-6998736/have-i-set-my-kids-up-or-set-them-back.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}