What if you genuinely can’t earn more? Are you stuck financially?

In this Ask the Experts mailbag episode of Making Cents, we tackle a question that so many teachers, nurses, and public sector workers quietly wrestle with: what do you do when your income is capped?

Today’s letter writer is a teacher. She’s hearing the usual advice, to “earn more”, “start a side hustle”, “increase your income”, but her reality is strict salary bands, long hours, and family commitments.

So if climbing the income ladder isn’t straightforward, what’s the next best move?

In the hot seat is Kristin Sutherland, financial advisor at EnableMe, and we break this down properly:

– Are you really “stuck” in a capped-income career, or is there more wiggle room than it feels like?
– If a pay rise isn’t coming anytime soon, what should you focus on instead? Investing, spending strategy, debt reduction, or something else?
– Does investing still make sense when your income is flat?
– How to think strategically about promotions, specialisation, or changing employers
– Whether side hustles are worth it (and how to avoid burnout)
– Navigating relationship dynamics when one partner is aggressively pursuing higher income and the other offers stability

Listen now to learn how to move forward — even when your income doesn’t.

If you have a letter you’d like us to answer, please send it through to ask@francescook.co.nz (mailto:ask@francescook.co.nz) and you might feature on our next episode!

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This podcast was filmed & produced by Fanaticals

Video editing & content production by Lana Byrne

Audio engineering by Tash Chittock

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How To Get Ahead In NZ Without Earning More