“We’re paying for private school, two dream homes, and we’re out of cash.” Mailbag episode
Description
On paper, today’s listener has it made. Two multimillion-dollar homes, no mortgage, and investments on the side.
But with private-school fees, high living costs, and no full-time second income, the numbers don’t add up.
Their savings are shrinking fast, and the stress is rising even faster.
In this week’s Ask the Experts, Frances Cook and EnableMe’s head strategic coach Katie Wesney unpack what really causes wealth to feel fragile, even when you’re technically “doing well.”
They dig into why cash flow, not just net worth, determines your financial stability, and how to fix a lifestyle that’s quietly burning through your safety net.
From whether to sell shares or take out a mortgage again, to tough calls around private school fees and property priorities, this episode gets real about trade-offs, structure, and sustainability.
If you’ve ever wondered how people with big assets still end up broke on paper, or you’re feeling the pinch of a high-cost lifestyle yourself, this one’s essential listening.
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
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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.
United States
