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If money is always in motion, the question becomes where should it go. That is where the waterfall method comes in. Picture your income arriving at the top of a waterfall. Before it goes anywhere, you decide what it touches first. You begin with a spending plan built...

In my last email, I shared how financial plans were often built on guesses. Now here is what happened as a result. We would jump straight into saving for retirement. We would set up PACs, build investment schedules, and hope the plan stayed intact. But without...

A few weeks ago, I was interviewed by CBC National about a growing problem I see in households across Canada: subscription creep. It’s what happens when all those “small” $10 or $15 charges—Netflix here, Spotify there, an app you forgot you downloaded—quietly snowball...

In last week’s email, I talked about how summer often derails even the best personal spending plans — beach trips, patio nights, travel FOMO — and how money muscle memory helps us bounce back without guilt. Now let’s talk about what happens when you’re not just...

Let’s talk about summer— The BBQs, the getaways, the sunshiney afternoons that somehow cost $87 before you’ve even had dinner!If your spending feels a little...off plan right now, I want you to know: you’re not alone.   In my 25 years of guiding people to...

Twelve years ago today I quit my job. My youngest daughter was starting kindergarten. My eldest was growing up fast — and she was already sad that I was away so much. I was the Atlantic Canada Manager of Investments for Great-West Life. A big title. A big job. A big...

Last week, I had the privilege of attending a seminar with a group of high-achieving, soul-searching women to hear Jodi Wellman, the author of You Only Die Once: How to Make It to the End with No Regrets. Jodi asked a question that stopped the room cold: “What are...

If you’ve spent any time on social lately, you’ve probably come across the newest (and slightly unhinged) savings trend: “Go feral with your finances.” Yep — people are out here recommending you steal workplace toilet paper, avoid social events so you’re not tempted...

If you had told me a few weekss ago that I’d be sipping chimarrão in Curitiba, wandering through flower-lined streets and watching Capybaras, I would’ve laughed and pointed to my colour-coded calendar and jam-packed to-do list. But here I am — writing to you from...