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

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee.I’m Frances Cook, an independent financial journalist and fellow financial freedom seeker who makes money simple for you.If your hair really bothered you, to the point where you thought about it all the time, would you spend $20,000 on a permanent fix?Today’s guest did exactly that. And not only does he say it was worth it, he also says it was a good financial decision.That’s a bold claim, but he would know. Because he’s a financial adviser.Now, you might be thinking, “That’s nice if you’ve got $20,000 to throw away on your hair.” But as he puts it, that’s the point.The whole reason to pursue financial freedom is so that you can spend money on the things that really matter to you, without going into debt, and while still hitting your other long-term goals, like buying a house, saving for retirement, or investing to build wealth.In this episode we talk about:– Values-based spending– Budgeting for major lifestyle expenses– How to avoid financial guilt– Tools for tracking your money– And yes... does a hair transplant hurt?It’s money, mindset, and spending without regret.Making Cents is supported by our friends at Kiwibank.LinksFollow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.