{"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 Money Timeline That Lets Normal People Build Wealth","slug":"the-money-timeline-that-lets-normal-people-build-wealth","published_at":"2026-05-27T17:00:00+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736/the-money-timeline-that-lets-normal-people-build-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/2151089b-ff9c-4b40-995c-98980a898a70.mp3","summary":"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. 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 engineering by Tash Chittock Filmed by Fanaticals","meta_description":"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 an…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1636,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/the-money-timeline-that-lets-normal-people-build-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-money-timeline-that-lets-normal-people-build-wealth.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}