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Understanding Your Borrowing Options: Student Loans, Car Loans, Credit Cards, Lines of Credit & More
A practical Canadian guide to choosing debt intentionally before you sign. Borrowing Is a Tool – Context Is What Matters At 18-25, borrowing decisions can arrive quickly: a first credit card, a car you need for work, tuition that is due before your summer income arrives, or a line of credit that promises flexibility. The…
Read MoreEarly Diagnosis – How I Beat Cancer
Here’s my story. On July 30th I was diagnosed with prostate cancer. Intermediate aggressive. Gleason score 7. Not the slow kind you watch. Not the slow growing kind that most men eventually get. The kind that is growing somewhat aggressively. 19 days later — August 18th — I had surgery. I am now 100% cancer…
Read MoreBuilding Wealth for the Next Generation: A Guide to Bare Trusts and Informal “In-Trust For” Accounts in Canada
Simple can be powerful. The key is knowing who really owns the money, who pays the tax, and when control changes hands. When most Canadians hear the word “trust,” they picture complicated legal structures, expensive lawyers, and wealthy families moving millions of dollars behind the scenes. But trusts are not only for the ultra-wealthy. For…
Read MoreHow to Make Financial Decisions When You Don’t Feel Ready
A practical guide to making your first big money choices without waiting for perfect confidence. THE CORE IDEA Readiness is not a feeling you have to wait for. A good financial decision is one where you understand the trade-offs, can afford the downside, and have room to adjust if life changes. Some of the biggest…
Read MoreProtecting What Matters Most: Trust Planning for Children, Dependents, and Vulnerable Beneficiaries in Canada
A practical guide to creating structure, continuity, and protection for the people who may need extra care. Estate planning is not only about who receives what. It is about how the people you love are cared for when you are no longer able to guide the decisions yourself. This becomes especially important when you are…
Read MoreShould You Pay Off Your Mortgage Early or Invest Instead?
For many Canadians, becoming mortgage-free as quickly as possible feels like an obvious financial goal. But I think there’s a more important question to ask first: Once your mortgage is paid off, what percentage of that former mortgage payment will you actually invest? I call this the 95% test. If you pay off your mortgage…
Read MoreBuilding an Emergency Fund When Money Is Tight (And How to Stay Protected While You Invest)
How to Build a Safety Net Without Putting Your Future on Hold A practical guide for ages 16-25 to building emergency savings, understanding where a TFSA can fit, and balancing saving with investing – without making money feel all-or-nothing. The goal is not perfection.The goal is enough breathing room that an ordinary surprise does not…
Read MoreRetiring at an All-Time High: What History Actually Shows
I get this question a lot. Is a retirement plan safe if you retire when the markets are at an all-time high? Can you reasonably still expect good performance in the future? The Conventional Wisdom About Retirement Risk The conventional wisdom here is 3 things: All the questions I get about sequence of returns risk…
Read MoreBudgeting With a Full-Time Income Without Feeling Restricted
A practical guide to managing your first full-time income with clarity, consistency, and room to enjoy your life. The Moment Your Income Starts Feeling Real There is a moment that happens a few months after you start earning a full-time income. First, everything feels new – your paycheques, your routines, your sense of independence. But…
Read MoreDebt After Separation: How to Regain Control Without Panic
A practical, emotionally grounded guide to sorting out post-separation debt, protecting cash flow, and rebuilding one clear step at a time. The debt is not your identity There is a specific, heavy feeling that can come with debt after a separation. It is not just financial. It is emotional, personal, and often tied to grief,…
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