Some of the most praised money advice is also some of the worst - depending on your stage of life.

Buy a house as soon as possible. Never sell an investment. Stop wasting money on coffee, drinks, and fun. Always chase the biggest return. Always chase the next pay rise.

Sounds responsible, right?

Except real life is messier than that. And if you follow these rules too blindly, you can end up making your life smaller, more stressful, and sometimes even worse financially.

In this episode of Making Cents, Frances Cook breaks down 7 “bad” money decisions that can actually be smart, depending on your goals, your lifestyle, and the season of life you’re in.

From renting instead of buying, to paying for childcare, outsourcing chores, switching careers, selling investments that are ruining your sleep, and keeping cash on hand instead of forcing every dollar into growth, this is a myth-busting episode about building wealth without losing the plot.

Because being good with money is not about hoarding cash and never enjoying your life.

It’s about using money to build a life you actually want.

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This podcast was filmed & produced by Fanaticals

Video editing & content production by Lana Byrne

Audio engineering by Tash Chittock

NZ Money Advice That Sounds Smart But Ruins Your Life