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Making Cents

Language: en Business Education
Last Checked: 2025-12-08 07:46:33.796573
Showing episodes 1 to 100 of 178 total
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How nine years in a tiny home bought freedom

07 Dec 2025

Contributed by Lukas

If you’ve ever wondered whether living in a tiny home can genuinely change your life, this is a st...

“How to find an affordable first home in an expensive city - maybe with a llama?” Mailbag episode

03 Dec 2025

Contributed by Lukas

If property prices are doing your head in and you’re starting to wonder whether buying a first hom...

Angry at credit card debt? Here’s how to fight back, with Sasha Lockley from Money Sweetspot

30 Nov 2025

Contributed by Lukas

Plenty of us get angry about the money world being unfair. But few people get angry enough to actual...

How to take the first steps into investing

27 Nov 2025

Contributed by Lukas

Become an investor with less stress, and no finance degree.Frances Cook joins the TVNZ Breakfast tea...

“Single mum at 46, how do I avoid poverty at 70?” Mailbag episode

26 Nov 2025

Contributed by Lukas

If you’ve pushed money aside for years, only to wake up in your mid-40s with a toddler, a tiny Kiw...

I cut 8 years off my mortgage with $20 - here's how

23 Nov 2025

Contributed by Lukas

A simple $20 tweak can dramatically cut down the life of your mortgage, so now it’s time to talk a...

Smart, simple, sharemarket investing, get your money strategy ready for 2026. WEBINAR REPLAY

20 Nov 2025

Contributed by Lukas

Cash funds, bonds, index funds, shares… what’s the difference, and how do you figure out which m...

"My kids want me to get a reverse mortgage, will it ruin their inheritance?” Mailbag episode

19 Nov 2025

Contributed by Lukas

You’ve worked your whole life to pay off the mortgage. The house is finally yours. But somehow, th...

Chef Alice Taylor on budget recipes that actually work: $1.50 loaf, 20c noodles

16 Nov 2025

Contributed by Lukas

Supermarket total making your stomach drop? You’re not imagining it, food prices have become one o...

Boost your savings without living a boring life

13 Nov 2025

Contributed by Lukas

Create a savings buffer without that nagging feeling of deprivation. Frances Cook joins the TVNZ Bre...

“We were gifted $100K, how do we not blow it?” Mailbag episode

12 Nov 2025

Contributed by Lukas

A $100,000 gift should feel like freedom, so why does it come with so much pressure?In this Making C...

KiwiSaver weapons investing is up 40% - how to invest ethically and still make money, with Mindful Money’s Barry Coates

09 Nov 2025

Contributed by Lukas

One of the biggest tools you’ve got for creating change is already in your pocket - your KiwiSaver...

Is the 0.01% rule the secret to guilt-free spending?

06 Nov 2025

Contributed by Lukas

Fast Money with Jim Mora on Sunday Morning with RNZ. Does the 0.01% rule help us spend in a smarter ...

“I can’t buy a house, is commercial property a better investment?” Mailbag episode

05 Nov 2025

Contributed by Lukas

What if the smartest way to get into property investing isn’t a house at all?That’s the question...

Overcoming a $100k fear of failure, with Ecoya CEO Claire Barnes

02 Nov 2025

Contributed by Lukas

When Ecoya CEO Claire Barnes was 23, she lost $100,000 of her dad’s life insurance money on a fail...

Smart side hustle strategies for when work isn't paying enough

30 Oct 2025

Contributed by Lukas

If you're looking to earn more money on the side, here's the guide to doing it more successfully.Fra...

“We’re paying for private school, two dream homes, and we’re out of cash.” Mailbag episode

29 Oct 2025

Contributed by Lukas

On paper, today’s listener has it made. Two multimillion-dollar homes, no mortgage, and investment...

My lazy investing strategy, account hacks, and what real financial freedom looks like: Your questions, answered

26 Oct 2025

Contributed by Lukas

You sent in a flood of money questions, and I’m ready to answer them all.In this Ask Me Anything e...

Jobs, interest rates, and real strategies for surviving New Zealand's ‘grumpy’ economy WEBINAR REPLAY

23 Oct 2025

Contributed by Lukas

If you feel like you’re doing it tough, you’re far from alone. The New Zealand economy has been ...

Mailbag: “How much should I save, when my job is shaky?”

22 Oct 2025

Contributed by Lukas

How much should you actually have in savings to feel safe?In this week’s Ask the Experts, it’s a...

Financiallly free in just 11 years, with The Happy Saver

19 Oct 2025

Contributed by Lukas

What if financial freedom didn’t take a lifetime, but just 11 years?Ruth Henderson,also known as T...

Why 'perfect balance' can wreck your finances

16 Oct 2025

Contributed by Lukas

Your bank balance might be looking rough, but don’t panic.Frances Cook joins the TVNZ Breakfast te...

The $1 trillion time bomb: Why Kiwi families are blowing the inheritance conversation

15 Oct 2025

Contributed by Lukas

New Zealand is in the middle of a $1 trillion inheritance wave, and most families are walking into i...

"I nannied for billionaires, it changed my entire money outlook”: building a business on your own terms, with Hannah Koumakis

12 Oct 2025

Contributed by Lukas

What if the 9-5 is over?The idea of a steady job and one career path for life is becoming rarer, and...

"Shock therapy" OCR cut, job pain, mortgage gain? Here's what's really going on

09 Oct 2025

Contributed by Lukas

The Reserve Bank has slashed the Official Cash Rate, so what does that mean for how bad the economy ...

Mailbag: “Can I find an undervalued suburb, or was my parents’ success just luck?”

08 Oct 2025

Contributed by Lukas

A listener letter asks if you can really find an undervalued suburb, or is it all luck?Host Frances ...

“Consumerism is just filling a void” - how to stop money myths from draining your bank account

05 Oct 2025

Contributed by Lukas

We all like to think we’re making smart money decisions… but half the time it’s actually our u...

Why "financial flashpoints" hold you back, and how to fix it

02 Oct 2025

Contributed by Lukas

"Financial flashpoints" are the moments that can take over you subconscious, and quietly derail the ...

Buying vs building: Which property strategy builds more wealth over time?

01 Oct 2025

Contributed by Lukas

Old vs new: Which property strategy builds more wealth?When you're deciding whether to buy a house o...

What I learned from starting over in my 30s

28 Sep 2025

Contributed by Lukas

What really happens when you burn everything down and start over in your late 30s?In this episode of...

The hidden costs of buying a home (and how to avoid nasty surprises)

24 Sep 2025

Contributed by Lukas

Buying a house in New Zealand? Don’t get caught out by hidden costs.In this episode of Ask the Exp...

How to start investing, and go from $5, to financial freedom. Webinar REPLAY

22 Sep 2025

Contributed by Lukas

Think shares are too risky or too complicated? Think again.In this live webinar, Frances Cook is joi...

Why we financially sabotage ourselves, and how to stop

21 Sep 2025

Contributed by Lukas

Most of us don’t just make money mistakes, we repeat them.Why? Because our money beliefs and money...

Using your home to buy investment property: smart or risky?

17 Sep 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

What it’s really like to quit work forever at 30, with Captain FI

14 Sep 2025

Contributed by Lukas

It’s a fantasy many of us share: what if you could retire early, walk away from your job forever, ...

No pay rise? How to ask for benefits instead

11 Sep 2025

Contributed by Lukas

Fast Money with Jim Mora on Sunday Morning with RNZ. Chatting everything from cost-of-living savings...

Side hustle mistakes that cost you time and money

10 Sep 2025

Contributed by Lukas

Side hustles can boost your money life, but only if you avoid the mistakes that tank most people ear...

How to find a financial adviser you can actually trust (In NZ)

07 Sep 2025

Contributed by Lukas

Finding a financial adviser in New Zealand can feel both overwhelming, and risky.With so many option...

Small changes to beat the cost of living

04 Sep 2025

Contributed by Lukas

Whether you're hitting the supermarket, or paying your regular bills, here are some quick ways to ta...

The KiwiSaver trap: why a common tactic can accidentally torpedo your nest egg

03 Sep 2025

Contributed by Lukas

Are you accidentally sabotaging your KiwiSaver?KiwiSaver is one of the most powerful tools New Zeala...

From Uber to dog poop: The side hustles people really get paid for

31 Aug 2025

Contributed by Lukas

Everyone wants a bit of extra cash, but are side hustles actually worth your time, or just another w...

Cheap reno wins vs expensive fails: What adds real value

27 Aug 2025

Contributed by Lukas

Small fixes for a big win: it’s time for renovations that actually add valueNot all renovations ar...

Outsmart the cost of living: Here’s why your wallet feels empty

26 Aug 2025

Contributed by Lukas

Why does life still feel so expensive?In this webinar, we break down what’s really driving the cos...

How to quit the money guilt (without quitting your financial goals)

24 Aug 2025

Contributed by Lukas

Feeling guilty every time you spend money? You’re not alone, but it might be doing more harm than ...

Why New Zealanders are scared of the sharemarket

21 Aug 2025

Contributed by Lukas

A quick hit highlight clip from the April 2025 episode "Housing, KiwiSaver, and debt: Solving NZ’s...

How to stay motivated when your money goals feel too big

20 Aug 2025

Contributed by Lukas

Ever felt like your financial goals are just too far away?Whether you're dreaming of financial indep...

When stage 4 cancer hit, financial independence gave her room to breathe

17 Aug 2025

Contributed by Lukas

What if the worst happened, but you were financially ready?When Caroline Gordon was diagnosed with s...

How do banks decide if they'll lower interest rates - and are they going down more?

16 Aug 2025

Contributed by Lukas

Will your mortgage rate go down soon, or will banks keep them higher for longer?In this episode of M...

We love Lotto, but investing loves us back

14 Aug 2025

Contributed by Lukas

Why we choose Lotto over investing, even when it’s irrational, and how to flip the script so inves...

From broke to thriving: Money fixes for self-employed and side hustlers

13 Aug 2025

Contributed by Lukas

Are you enjoying the freedom of self-employment - or just underpaid, overworked, and financially str...

“We sold everything and moved into a caravan” - creating financial freedom without the fat paycheck

10 Aug 2025

Contributed by Lukas

She hit financial freedom at 51, by downsizing to a caravan and selling the family trade business.It...

How to stop guilt sabotaging your money goals

07 Aug 2025

Contributed by Lukas

The 1news Breakfast team have questions about how we can beat the guilt, and create systems to help ...

Are house prices about to drop more? What you need to know in 2025

06 Aug 2025

Contributed by Lukas

Are house prices about to drop more, or is this the bottom of the market?In this episode of Ask the ...

Building FU money on an average income - "Enough is not a number, it's a decision"

03 Aug 2025

Contributed by Lukas

You don’t need a million dollars to reach financial freedom.In this episode of Making Cents, we’...

Major money changes you need to know: protect your savings account, KiwiSaver cuts, and grocery fights

31 Jul 2025

Contributed by Lukas

There’s a wave of major money changes rolling through New Zealand, hitting everything from where y...

The real estate standoff: Buyers, sellers, and the gap no one wants to close

30 Jul 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Being too polite could cost you $240,850

27 Jul 2025

Contributed by Lukas

What if being polite was secretly draining your bank account?Welcome to Making Cents, the podcast fo...

How to get your boss to pay for your insurance

23 Jul 2025

Contributed by Lukas

Hate paying for insurance? What if you didn’t have to?Welcome to Ask the Experts, where each week ...

Rentvesting: A fast look at pros and cons

22 Jul 2025

Contributed by Lukas

The 1news Breakfast team have questions about the good and bad of rentvesting. A replay of the segme...

"Why I gave up my dream home to rentvest instead" - Ilse Wolfe

20 Jul 2025

Contributed by Lukas

What if renting your dream home and building long-term wealth weren’t opposites?Welcome to Making ...

The pocket money debate: Should kids earn it or just get it?

16 Jul 2025

Contributed by Lukas

Should kids get pocket money, and what’s the best way to teach them to use it?Welcome to Ask the E...

Could you save on insurance, or should you cancel it? As well as grocery prices, house values, and how to survive NZ's money madness

15 Jul 2025

Contributed by Lukas

Fast Money with Jim Mora on Sunday Morning with RNZ. Chatting everything from why your groceries are...

Bitcoin made boring: How crypto going mainstream is changing how we invest into it

13 Jul 2025

Contributed by Lukas

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their c...

The mortgage mistake that’s costing you thousands (and how to fix it)

09 Jul 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

More food tips that'll save your budget (fast edition)

08 Jul 2025

Contributed by Lukas

A replay of a conversation with the 1News Breakfast team, on the best tips to save money from your f...

“Food shouldn’t be this expensive” - chef Alice Taylor on eating well for less

06 Jul 2025

Contributed by Lukas

Grocery prices have gone off the rails. Butter costs more than brunch, olive oil feels like a luxury...

One in three NZers 'accidentally' bought a house? Here's how

02 Jul 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to industry insiders to get the inside word on w...

Quick Hit: Is a revolving credit mortgage worth it?

01 Jul 2025

Contributed by Lukas

A highlight clip from the February 3rd episode, “From how I invest, to getting rid of the mortgage...

Should you invest in gold?

29 Jun 2025

Contributed by Lukas

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their c...

The US-Israel-Iran conflict shows chaos is the new normal - LIVE replay

26 Jun 2025

Contributed by Lukas

In a live episode of Making Cents, it's time to decode the tension still simmering in the US-Iran-Is...

Is renting really throwing money away?

25 Jun 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Why being too polite, costs you

24 Jun 2025

Contributed by Lukas

A replay of a conversation with the 1News Breakfast team, on how being too polite could actually cos...

I spent $20,000 on my hair - and I'm a financial advisor

22 Jun 2025

Contributed by Lukas

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their c...

By age 7, your money personality is locked in — can you change it?

18 Jun 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Will property bounce back, should you invest in gold?

17 Jun 2025

Contributed by Lukas

Fast Money with Jim Mora on Sunday Morning with RNZ. Chatting everything from what's happening with ...

Why Jay-Jay Feeney started a business with ex Dom Harvey, and went from radio star to startup life

15 Jun 2025

Contributed by Lukas

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their c...

The hidden cost of being single: How to beat the ‘singles tax’ and build wealth anyway

11 Jun 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Investing red flags to watch out for

10 Jun 2025

Contributed by Lukas

A replay of a conversation with the 1News Breakfast team, on red flags to watch out for if you're in...

Spain, sun, and investing: The real way to move overseas and keep building wealth

08 Jun 2025

Contributed by Lukas

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their c...

Thank you.

05 Jun 2025

Contributed by Lukas

Hosted on Acast. See acast.com/privacy for more information.

House buying negotiation mistakes that cost you thousands (and how to avoid them)

04 Jun 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

The ultimate first home buyer's guide (NZ edition) - LIVE REPLAY

03 Jun 2025

Contributed by Lukas

A special live edition where we look at what is happening with NZ property right now, and what that ...

Think like a financial journalist: how to research stocks like a pro

01 Jun 2025

Contributed by Lukas

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their c...

The investing shift that builds wealth (even in a recession)

28 May 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Quick Hit: Can you mix money and family?

27 May 2025

Contributed by Lukas

A highlight clip from the February 10th episode, “Viral mortgage hacks debunked: Separating clickb...

How to be "boujee on a budget"

25 May 2025

Contributed by Lukas

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their c...

Making Cents of the Budget: What KiwiSaver changes mean for you, and could you get a pay rise? LIVE REPLAY

22 May 2025

Contributed by Lukas

KiwiSaver’s been cut, so what should you do now?In this special live episode of Making Cents, we u...

What the bank wants to know before it approves your mortgage

21 May 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

KiwiSaver changes, renters get a break, and should we worry about the brain drain? BONUS episode

19 May 2025

Contributed by Lukas

Money world update, with Jim Mora on Sunday Morning with RNZ. Chatting everything from possible chan...

"You can have it all, but at what cost?" How to beat burnout with Claire Wasserman from Ladies Get Paid

18 May 2025

Contributed by Lukas

Claire Wasserman, founder of Ladies Get Paid, shares how she went from 'having it all' to suffering ...

FOMO vs financial goals: How to stay focused when everything’s a temptation

14 May 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Quick Hit: The reality behind early retirement

13 May 2025

Contributed by Lukas

A highlight clip from the Janury 27th episode, “Financially free at 30: How this dad quit the corp...

How to negotiate a killer mortgage

11 May 2025

Contributed by Lukas

Jackson Hapeta, co-founder of Lenda, shares the moment he realised he was overpaying for his mortgag...

Why a moodboard is the secret to mastering your money: LIVE REPLAY

08 May 2025

Contributed by Lukas

Want to save more money without relying on willpower? You might need a moodboard.In this live episod...

Renting doesn't have to suck - how to outsmart the housing market to get the best deal

07 May 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Sharyn Casey on quitting the 'dream job'

04 May 2025

Contributed by Lukas

Sharyn Casey, radio, TV, and podcast personality, shares why she quit what was once her dream job, a...

When can you crack into your KiwiSaver early?

30 Apr 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

Listener mail: Buy your first home or invest? LIVE REPLAY

29 Apr 2025

Contributed by Lukas

Live replay from a YouTube listener mail question.After years of living paycheck to paycheck, a Maki...

AI vs human mortgage advice: Why 77% now prefer the robot

27 Apr 2025

Contributed by Lukas

Roy Chowdhury, founder of Homely, shares how he created an AI tool to make home lending easier, and ...

How to crush your mortgage while rates are low

23 Apr 2025

Contributed by Lukas

Welcome to Ask the Experts, where each week we talk to people in the industry to get the inside word...

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