Frances Cook on Why You Don’t Need to Be Perfect With Money.

Frances Cook knows a ridiculous amount about money, but in this episode, she proves that knowing the rules and living them perfectly are two very different things. We get into the real stuff: the money habits shaped by childhood, the scarcity mindset that lingers long after your bank balance changes, why financial independence matters so much in relationships, and how she actually manages her money behind the scenes. There’s talk of KiwiSaver revelations, index funds, business risks, “enough” numbers, and the fact that sometimes even the finance gurus are just out here winging it with a direct debit and a dream. If you’ve ever felt like you should be better with money by now, this is the reset: it’s not about perfection, it’s about direction. Frances’ Links Instagram (https://www.instagram.com/francescooknz/) Website (https://www.francescook.co.nz/) YouTube (https://www.youtube.com/@MakingCentsPod/videos) Spotify (https://open.spotify.com/show/2xL5BpCt2pKJDlPN0SgbCc) TikTok (https://www.tiktok.com/@francescooknz) Substack (https://substack.com/@francescooknz) Credits: Host: Sophie Hallwright Guest: Frances Cook Editor: Lana Byrne Producer: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ ⁠⁠Instagram⁠⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠ ⁠Newsletter⁠⁠ Chapters 00:00:00 Coming up in this episode… 00:00:56 Welcoming Frances 00:03:21 Frances’ money story 00:11:11 The moment pay rises stopped feeling enough 00:13:28 The KiwiSaver switch that changed everything 00:17:13 Why money mindset matters more than people think 00:20:00 How Frances thinks about splitting her money 00:24:32 How she manages money with her husband 00:32:16 Frances’ investing strategy explained 00:39:29 Why she avoids crypto 00:43:19 What “enough” looks like for Frances 00:50:51 The reality of building a business with her husband 00:54:28 Frances’ quick-fire money advice 00:55:13 Where to follow Frances 00:55:27 Thank you for listening 00:55:52 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.