<p><strong></strong><a href="https://youtu.be/sRYF8yKEaUg" target="_blank" rel="noopener noreferer"><strong>🌟 WATCH THIS EPISODE ON YOUTUBE 🌟</strong></a><strong></strong></p><p><br></p><p>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.</p><p><br></p><p><strong>Frances’ Links</strong></p><p>Instagram (<a href="https://www.instagram.com/francescooknz/" target="_blank" rel="ugc noopener noreferrer">https://www.instagram.com/francescooknz/</a>)</p><p>Website (<a href="https://www.francescook.co.nz/" target="_blank" rel="ugc noopener noreferrer">https://www.francescook.co.nz/</a>)</p><p>YouTube (<a href="https://www.youtube.com/@MakingCentsPod/videos" target="_blank" rel="ugc noopener noreferrer">https://www.youtube.com/@MakingCentsPod/videos</a>)</p><p>Spotify (<a href="https://open.spotify.com/show/2xL5BpCt2pKJDlPN0SgbCc" target="_blank" rel="ugc noopener noreferrer">https://open.spotify.com/show/2xL5BpCt2pKJDlPN0SgbCc</a>)</p><p>TikTok (<a href="https://www.tiktok.com/@francescooknz" target="_blank" rel="ugc noopener noreferrer">https://www.tiktok.com/@francescooknz</a>)</p><p>Substack (<a href="https://substack.com/@francescooknz" target="_blank" rel="ugc noopener noreferrer">https://substack.com/@francescooknz</a>)</p><p><br><strong>Credits:</strong></p><p><strong>Host:</strong> Sophie Hallwright</p><p><strong>Guest:</strong> Frances Cook</p><p><strong>Editor: </strong>Lana Byrne</p><p><strong>Producer: </strong>Emily Rigby</p><p><strong>Social &amp; Digital Manager:</strong> Lucy Munro</p><p><br></p><p><a href="https://thecurveplatform.com/pages/the-curve-hotline" target="_blank" rel="ugc noopener noreferrer">⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠</a></p><p><br></p><p><strong>For more from The Curve:</strong><a href="https://www.instagram.com/thecurveplatform/" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠</a></p><p><a href="https://thecurveplatform.com/" target="_blank" rel="ugc noopener noreferrer">⁠⁠Website⁠⁠</a></p><p><a href="https://www.instagram.com/thecurveplatform/" target="_blank" rel="ugc noopener noreferrer">⁠⁠Instagram⁠⁠</a><a href="https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠</a></p><p><a href="https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3" target="_blank" rel="ugc noopener noreferrer">⁠YouTube⁠⁠</a><a href="https://www.tiktok.com/@thecurveplatform" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠</a></p><p><a href="https://www.tiktok.com/@thecurveplatform" target="_blank" rel="ugc noopener noreferrer">⁠TikTok⁠⁠</a><a href="https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠</a></p><p><a href="https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly" target="_blank" rel="ugc noopener noreferrer">⁠Newsletter⁠⁠</a></p><p><br></p><p>(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</p><p><br></p><p><em>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.</em></p>