Posts Tagged ‘smart money’
Your First Real Paycheque: A Smart Money System for Young Professionals
The Habit That Builds Wealth Not the Amount A -friendly guide to using your first corporate paycheque with confidence, clarity, and a system that protects your future self. The first paycheque is exciting. The real opportunity is what you automate before lifestyle creep takes over. Your First Paycheque: What Actually Matters There is a moment…
Read MoreUnderstanding Credit Without Fear or Confusion
A Practical Guide to Building Credit Confidence in Canada Based on a previous article framework by Sabiha Mukadam, CFP Credit can feel intimidating when no one has explained it clearly. Many people grow up hearing warnings like: · Do not ruin your credit. · Credit cards are dangerous. ·…
Read MoreStarting Over Financially – When Life Changes and You Suddenly Have to Handle It All
Starting Over Financially After Loss or Divorce ________________________________________________________________________ When life changes and you suddenly have to handle it all Part 1: Finding Your Floor Before Making Big Decisions A note about this seriesThis is Part 1 of a practical series on rebuilding financial confidence after loss, divorce, or separation.Today is not about building a complete…
Read MoreHow Banking Actually Works (And How to Set Up Your First Accounts)
Let’s make money make sense. Let’s be honest for a second… Nobody really cares about banking—until that first real paycheck hits. Whether it’s from a part-time job, tutoring, lifeguarding, or just money coming in more regularly, suddenly you’ve got cash. But just as quickly as it arrives, it’s gone. Between your phone bill, Spotify, Uber…
Read MoreMulti-Millionaire’s Dilemma: Stay in Stocks or Go Conservative After Retiring?
You’ve worked hard, built up a few million dollars, and now you’re seventy-five, retired, and staring at your portfolio wondering — do I really need to keep riding the stock market rollercoaster? Or is it finally time to play it safe? That’s the multi-millionaire’s dilemma, and it’s a lot more common than you might think.…
Read MoreWhat Canadians Are Really Asking About Money Right Now
Today’s episode is a bit different from the usual format. I want to take some time to speak directly to you — to say thank you, to reflect on what you’ve been listening to most, and to ask for your input on what would be most helpful going forward. Recently, Unconventional Wisdom was listed near…
Read MoreThe Fake Stages of Retirement: Why ‘Slow-Go’ Is Really About Money — Not Age
You’ve probably heard the conventional wisdom about retirement stages: the “go-go” years right after you clock out, full of adventure and travel; then the “slow-go” phase where things wind down due to age and aches; and finally, the “no-go” period of quiet homebound days. It’s a neat little narrative, peddled by financial planners and lifestyle…
Read MoreYour FREE passes: See my talks at the #1 online event – Canadian Financial Summit 2025
The online Canadian Financial Summit is coming up the week of October 22-25. It’s the #1 personal finance event of the year. As a reader of the Unconventional Wisdom blog, here are your FREE passes for a limited time. With these FREE passes, you can watch all the talks for 48 hours. You can also offer your friends and…
Read MoreWhy Renting Could Be Your Secret to Smarter Wealth Building
Owning a home is unaffordable for many people today. Here is some good news! If you rent, you can grow your wealth as fast or faster using the same 2 ideas that benefit homeowners. Tenants have several major advantages over homeowners for wealth building. Many homeowners think their home is their best investment. But that…
Read MoreWho Are the Wealthy and How Did They Get Rich?
As a financial planner, I’ve had a unique view into the full financial picture of thousands of Canadians and have read countless studies. My experience spans clients of varying financial backgrounds, as well as countless conversations with readers of my blog, friends, and acquaintances. Although our clients may not represent the entire population—they tend to…
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