It's one thing to build financial stability, it's another to actually let yourself enjoy it.

In this Ask the Experts episode, Frances Cook is joined by Katie Wesney from Enable Me to unpack a problem that's more common than you'd think: what happens when the scarcity mindset that helped you build financial security starts working against you?

A listener wrote in with a $5 million net worth, and genuine anxiety about spending any of it. Kmart clothes, secondhand cars, no overseas trips in six years. On paper, financially free. In practice, still living like every dollar matters.

In this episode, we get into:

– Why money anxiety doesn't disappear when the numbers improve

– The difference between what you should spend on and what actually lights you up

– How childhood experiences with money shape your relationship with it for decades

– What a financial adviser actually does to help you build permission to spend

– The practical systems that replace anxiety with confidence

– Why the 4% rule exists, and how to think about your own number.

Have a question you'd like us to tackle? Send it to ask@francescook.co.nz and you might feature on a future episode.

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This podcast was filmed & produced by Fanaticals

Video editing & content production by Lana Byrne

Audio engineering by Tash Chittock