{"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 KiwiSaver Actually Needs to Change, According to an Adviser","slug":"what-kiwisaver-actually-needs-to-change-according-to-an-adviser","published_at":"2026-09-02T16:00:00+00:00","page_url":"https://stenobird.com/podcast/making-cents-6998736/what-kiwisaver-actually-needs-to-change-according-to-an-adviser","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/e830b9a4-c932-411e-9b75-b013433fe6b7.mp3","summary":"Five minutes could be enough to add hundreds of thousands of dollars more to your KiwiSaver. There are simple, low-hanging fruit changes that can mean serious money landing in your account - but simple changes cut both ways. There are costly traps to avoid, and easy tweaks to your settings that can make a massive difference to your balance over time. This week on Ask the Experts, Katie Wesney from EnableMe joins Frances Cook to answer your KiwiSaver questions, from splitting funds to self-employed strategies and tax checks. In this episode we’re talking: Why you don't have to be all-or-nothing: how splitting across multiple funds protects your money and matches your personal timeline Why getting caught up in scary economic news headlines hurts your long-term growth The three questions you must ask yourself before choosing or switching a KiwiSaver fund Why waiting for \"perfect market timing\" to switch providers is a trap Smart KiwiSaver and retirement strategies for self-employed people who don't get employer contributions The 3-letter tax setting (PIR) you need to check today so you don't accidentally overpay tax Big policy changes that could make KiwiSaver fairer for everyday New Zealanders 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 #MakingCen…","meta_description":"Five minutes could be enough to add hundreds of thousands of dollars more to your KiwiSaver. There are simple, low-hanging fruit changes that can mean ser…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1119,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/what-kiwisaver-actually-needs-to-change-according-to-an-adviser/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-kiwisaver-actually-needs-to-change-according-to-an-adviser.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}