{"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 Lazy Investor's Guide To Building Real Wealth","slug":"the-lazy-investor-s-guide-to-building-real-wealth","published_at":"2026-05-17T17:00:00+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736/the-lazy-investor-s-guide-to-building-real-wealth","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/22a39000-8cbf-4132-9711-bae432419189.mp3","summary":"Most of us assume that getting ahead financially means working harder, watching the markets, and making smart moves. The data says that’s wrong. In this episode, Frances talks with Sean Freer, Director of Global Exchange Indices at S&P Dow Jones Indices, about why passive investing consistently beats active fund management, and what that means for everyday investors. We talk about: Why 86% of professional fund managers fail to beat the index over 15 years What index funds and ETFs actually are, and how to choose between 14,000+ options The NZX 50, the S&P 500, and how market concentration really works Why fees quietly destroy your investments, and what to do about it The behavioural finance traps that cause investors to sell at exactly the wrong moment Why the \"set and forget\" approach outperforms almost everything else Whether you're new to investing or already have a passive strategy, this episode will sharpen your thinking… and probably confirm you're overcomplicating it. This episode of Making Cents is proudly supported by Odoo. Go to http://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 This podcast was filmed & produced by Fanaticals Video editing & content production by Lana Byrne Audio engineering by Tash Chittock","meta_description":"Most of us assume that getting ahead financially means working harder, watching the markets, and making smart moves. The data says that’s wrong. In this e…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2381,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/the-lazy-investor-s-guide-to-building-real-wealth/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-lazy-investor-s-guide-to-building-real-wealth.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}