Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee.

I’m Frances Cook, an independent financial journalist and fellow financial freedom seeker who makes money simple for you.

This episode is for anyone torn between living life and staying smart with money. Because you don’t have to choose just one.

When Mireia Muller-Pallares decided to leave her 9–5 and move to Spain, she wasn’t willing to blow her savings or give up on her future goals. So she built a plan to keep investing, cover her student loan, and stay financially secure - while still living her dream life in Valencia.

We cover:

How to set up your finances before moving overseas

What really happens to your KiwiSaver and student loan when you leave NZ

Creative ways to keep investing while earning less

How to redefine “success” when you’re no longer climbing the ladder

Whether you're planning an OE, thinking about quitting your job, or just craving a different way to live — this episode proves it's possible to do it without tanking your money.

Making Cents is supported by our friends at Kiwibank.

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