{"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":"What AI Actually Gets Right About Your Finances (And Where It’s Failing You)","slug":"what-ai-actually-gets-right-about-your-finances-and-where-it-s-failing-you","published_at":"2026-09-30T16:00:00+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736/what-ai-actually-gets-right-about-your-finances-and-where-it-s-failing-you","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/1f62e0c9-dbd5-4acf-a412-5279a3f054cc.mp3","summary":"AI can build you a full financial plan in 30 seconds flat, but what happens when that plan meets the real world? Chatbots sound confident, use big words, and can make you feel completely sorted with your money. But generic tools don't know what questions to ask, often affirm whatever you tell them, and can easily ignore massive blind spots like debt, emergency buffers, or market risk. Katie Wesney from EnableMe joins Frances Cook on Ask the Experts to break down the reality of running your finances through AI. Together, they look at where AI tools are genuinely helpful, where they act as an overconfident trap, and how to stress test your money plan so it survives bad weather. This episode covers: The danger of AI financial plans: why \"garbage in, garbage out\" leaves out debt and bad assumptions Why AI chatbots are designed to be agreeable, and why that makes them terrible financial advisers The real difference between feeling confident and actually being financially prepared The foundational numbers AI misses: net worth, monthly spending load, interest rates, and emergency buffers How people are successfully using AI for financial education, budgeting, and asking better questions How to stress test your goals—from buying a first home to paying off your mortgage faster or planning retirement 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…","meta_description":"AI can build you a full financial plan in 30 seconds flat, but what happens when that plan meets the real world? Chatbots sound confident, use big words,…","key_points":[],"chapters":[],"topics":[],"duration_seconds":866,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/what-ai-actually-gets-right-about-your-finances-and-where-it-s-failing-you/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/what-ai-actually-gets-right-about-your-finances-and-where-it-s-failing-you.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}