How much should you actually have in savings to feel safe?
In this week’s Ask the Experts, it’s a listener letter from someone worried about layoffs and wondering whether they’ve saved enough - or maybe even too much.
Heartland Bank’s Will White joins the show to unpack what a real emergency fund looks like in 2025.
How many months of expenses should you really have tucked away? What happens if you over-save and leave too much cash sitting idle instead of investing it? And where’s the best place to keep your buffer; a high-interest account, term deposit, or offset mortgage?
If you’ve ever paused your investing to “build up the savings” or felt unsure what enough really means, this episode will give you a clear, practical framework to find your financial safety zone.
If you have a letter you’d like us to answer, please send it through to ask@francescook.co.nz and you might feature on our next episode!
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.
This podcast was filmed and produced by Fanaticals
Video editing & content production by Lana Byrne
Audio engineering by Tash Chittock
Hosted on Acast. See acast.com/privacy for more information.
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