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“We’re paying for private school, two dream homes, and we’re out of cash.” Mailbag episode

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Manage episode 516523830 series 3606247
Content provided by Frances Cook. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Frances Cook or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

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 [email protected] 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.

  continue reading

164 episodes

Artwork
iconShare
 
Manage episode 516523830 series 3606247
Content provided by Frances Cook. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Frances Cook or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

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 [email protected] 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.

  continue reading

164 episodes

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