All Episodes

June 22, 2025 43 mins

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.


Links

Follow Frances Cook on Facebook, Instagram and TikTok, or join the Money Memo newsletter for a free weekly money tip in your inbox each week.


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

Mark as Played

Advertise With Us

Popular Podcasts

Stuff You Should Know
24/7 News: The Latest

24/7 News: The Latest

The latest news in 4 minutes updated every hour, every day.

Crime Junkie

Crime Junkie

Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.

Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

© 2025 iHeartMedia, Inc.