{"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":266,"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":"2026-07-03T06:17:38.971810+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736"},"episode":{"title":"The Investing Trap That Even the Experts Fall Into (And How to Avoid It)","slug":"the-investing-trap-that-even-the-experts-fall-into-and-how-to-avoid-it","published_at":"2026-06-07T17:00:00+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736/the-investing-trap-that-even-the-experts-fall-into-and-how-to-avoid-it","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/5c860439-615f-42b9-8a37-da3734edbc58.mp3","summary":"Most investing mistakes don't look like mistakes when you're making them. Chris Walsh from MoneyHub joins us to break down the most common investing traps New Zealanders fall into, and the simple strategies that actually work long term. We get into why dollar cost averaging beats trying to time the market, what \"invest in what you know\" actually means (and how it gets misused), why borrowing to invest is riskier than most people realise, and what financial foundations you need in place before you start investing at all. Plus: why 86% of active fund managers underperform the index, and what that means for the rest of us trying to grow our money. If you've ever wondered whether you're investing smart or just getting lucky, this one's for you. In this episode: Why dollar cost averaging works, and how to do it The problem with picking single stocks What \"invest in what you know\" gets wrong Should you borrow to invest? The risks explained Time in the market vs timing the market What financial foundations to have before you start investing KiwiSaver: are you leaving free money on the table? How to course correct if you've made investing mistakes This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days. 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…","meta_description":"Most investing mistakes don't look like mistakes when you're making them. Chris Walsh from MoneyHub joins us to break down the most common investing traps…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2553,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/the-investing-trap-that-even-the-experts-fall-into-and-how-to-avoid-it/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/the-investing-trap-that-even-the-experts-fall-into-and-how-to-avoid-it.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}