Jingle bells, budget’s broke, bills are on the way, Oh, what fun it will be, to live in a one-horse open sleigh, hey! This week we reminisce about our most popular and engaged with podcasts of 2023 and see if our advice… ramblings, still holds up. Also we talk about what happens behind the scenes and what we are looking forward to talking about in 2024. Merry Christmas and Happy Holidays! If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.c...
Dec 18, 2023•32 min•Ep. 105
“Family, religion, friendship. These are the three demons you must slay if you wish to succeed in business.” This week we talk about Ray Dalio’s book “Principles for Success” and how you can better live your life thanks to the founder of an asset management firm. Turns out the secret isn’t finding joy through buying and crushing smaller business. Rather this is Ray’s way of guiding young entrepreneur’s on how to find true fulfillment in life. If you live in British Columbia, let us help you take...
Dec 11, 2023•32 min•Ep. 104
Step:1 evaluate all of your 2023 financial decisions, Step: 2 drink coco and watch Christmas rom-com’s, Step: 3 gaze into the void, Step 4: repeat step 1. This week we go over 14 different tips you help you close out 2023 and get ready for another exciting year (can we please just have one boring year). Everything from budgeting, insurance, debt management and goal setting we help you get off on the right foot for 2024, or maybe the left foot, which ever works. If you live in British Columbia, l...
Dec 04, 2023•38 min•Ep. 105
The best way to spread Christmas Cheer, is spending loud for all to hear. This week we see how much Canadians are expected to spend over the holidays. Some are saying spending going up, pleasing Santa and others say its going down to the delight of Scrooge. Find out what factors are at play and how can you better prepare for the Christmas season without the soul crushing debt, because really, that's the gift that keeps on giving the whole year. If you live in British Columbia, let us help you ta...
Nov 27, 2023•33 min•Ep. 102
Home is where the debt is. This week talk about the new First Home Savings Account (FHSA) and how your can maximize your ability to overpay for a house. We also talk about how your can combine this with other tax advantaged savings options to build up a deposit of over $163,000 per person. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfi...
Nov 20, 2023•35 min•Ep. 101
Some of you may suffer, but it's a sacrifice I am willing to make. This week Cam gives his debriefing on a recent event he attended headlined by Bank of Canada Senior Deputy Governor Carolyn Rogers and how you apparently need to do a better job at fixing the economy. We talk about Canada’s continued high interest rates, lagging productivity, decreased standard of living, who to blame for it all and finally if it’s even worth trying at all anymore. If you live in British Columbia, let us help...
Nov 13, 2023•34 min•Ep. 100
Anyone have any spare change, I need to adjust my perception of reality. This week we go deeper into the concept of challenging our core beliefs about ourselves and how that impacts our finances and more importantly our overall health. Is change as easy as it sounds and what is the cost of refusing to? If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/...
Nov 06, 2023•30 min•Ep. 99
People keep saying that money is simple, and I took that personally. This week we get deep with “Simple Money: No Nonsense Guide to Personal Finance” by Tim Maurer and find out how to make understanding finances more personal and real to our own lives. Learn how to figure out what success really looks like to you and how to challenge your inherited and ingrained views on money. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the...
Oct 30, 2023•32 min•Ep. 98
A proclamation has been sent forth from Ottawa, “don’t forget to drink more Ovaltine!” This week we break down the freshly released Survey of Household Spending report from StatsCan to see where all of our money has been going. Find out how far apart average expenses are from average income and what the data tells us about how people are able to budget effectively. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation...
Oct 23, 2023•29 min•Ep. 97
Age is in the eye of beholder! This week we take a deep dive into Moshe Milevsky’s book “Longevity Insurance for a Biological Age: Why Your Retirement Plan Shouldn’t Be Based on the Number of Times You Circle the Sun” and see how we get retirement planning wrong by relying on our calendar age more than our biological age. Find out what the difference is between biological age and chronological age and how misunderstanding this difference can hurt your finances later in life. If you live in Briti...
Oct 16, 2023•31 min•Ep. 96
This week we welcome IPFC listener Michelle D. whose journey started by listening to podcasts and discovering how to live with intention. A concept that took her and her family on a journey that lead to the repayment of $301,000 of mortgage debt in less than five years. Michelle talks about how they changed spending habits, sold things they didn’t need, put their savings towards the debt (minus RRSP’s and emergency fund), used just one car and planned errands strategically to save on gas. Most i...
Oct 09, 2023•34 min•Ep. 95
If at first you don’t succeed just do the same thing over and over and over again. This week we tackle the root of most people’s personal finance issues, their decision making process. For many people the decisions we make feel almost automatic and outside of our control bringing us to the same unwanted results day in and day out, and no budget is going to help us out of that rut. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep ...
Oct 02, 2023•34 min•Ep. 94
So it turns out the best way to help people without money is actually to just give them money. This week we talk with Claire Williams co-founder of “Foundations for Social Change” and Dr. Jiaying Zhao Associate Professor in the Department of Psychology and the Institute for Resources, Environment and Sustainability at UBC, two of the co-authors of the landmark study “Unconditional Cash Transfers Reduce Homelessness.” Find out how people normally stigmatized for their homelessness used a one-time...
Sep 25, 2023•31 min•Ep. 93
Now always never forget to don’t do what Donny Don’t does! This week we open up and show you how we got things wrong… in the past, and how you can avoid those same money mistakes today. Plus, don’t miss out on the lightning round where we rapid fire more ways to help you avoid wasting money. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonal...
Sep 17, 2023•32 min•Ep. 92
Yes, yes, asking is the first step to understanding, but spending is the first step to a new Lego Venator-class Star Destroyer. This week we explore some of the key questions people should be asking themselves about not only their finances but their daily habits and purpose in life, wow that got deep quick. Everything from income, spending, savings, investing and protection is talked about and how we can overcome the dreadmill, I mean treadmill of debt and not accomplishing our goals in life. If...
Sep 11, 2023•35 min•Ep. 91
We come into the world with nothing and we leave with everything, wait that’s not right. This week we talk about the book “Die with Zero: Getting All You Can From Your Money” by Bill Perkins and find out what he has against his kids. Find out how Bill’s philosophy of decumulation and making the most of a certain portion of your life can help people kick their bucket after it's been empty. If you live in British Columbia, let us help you take care of the people you love and visit braunfinanci...
Sep 04, 2023•30 min•Ep. 90
Now to revolutionize your finances first get out your 401k documents *throws book*. This week we tackle the biggest frustration among Canadians who read personal finance books, the dreaded use of the American tax system and we give you a cheat sheet to help apply those ideas to your life. Is an IRA an Individual Retirement Account or a Individual Retirement Arrangement, we don’t know! Plus a host of other tips to help you redeem those books you bought but can’t apply. If you live in British Colu...
Aug 28, 2023•32 min•Ep. 89
And with a wave of my wand I shall make all my financial problems disappear, “klaatu barada nikto!” This week we open the mystic tomb known as “Money Magic: An Economist’s Secrets to More Money, Less Risk, and a Better Life” by Laurence Kotlikoff and see how this master of the financial arts can teach us about crafting our lives into the best financial outcome possible. *IPFC is not responsible for listeners spontaneously transforming into frogs or anything else unnatural by listening to this ep...
Aug 21, 2023•35 min•Ep. 88
This week we get personal and Christine shares about a health issue in her life that forever changed the way we look at money, priorities, finances and our planning process. It’s introspective and a bit dark, and not our usual light and fluffy personal finance centric type of episode. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinance...
Aug 14, 2023•38 min•Ep. 87
"I’m sorry Dave I’m afraid I can’t invest in that." This week we peer into the S&P 500 and see how its core sectors have performed so far in 2023. Is there a true boom in the market happening or has HAL 9000 and his shiny new AI buddies distracted everyone from what is really happening in the American stock market. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group...
Aug 07, 2023•39 min•Ep. 86
It’s a mad, mad, mad, mad stock market! This week we seek out the fabled “W” of the current Canadian stock market and find out what sectors are actually bringing about the best returns on the TSX. Which surprising companies have been the year to date winners and which have crashed and burned, the answer may (or may not) surprise you. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and ...
Jul 31, 2023•40 min•Ep. 85
The first rule of confirmation bias club is we don’t talk about confirmation bias club. This week we dig through Grant Sabatier’s book “Financial Freedom: A proven path to all the money you will ever need.” Find out how a burrito craving changed his view on finances and what parts of his philosophy we think can help you get your own tasty burrito, or financial freedom, we won’t judge. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com K...
Jul 24, 2023•35 min•Ep. 84
When your financial calculator tells you to “use reasonable figures” you know your in for a wild ride. This week we tackle part two of our look into the Financial Independence Retire Early (FIRE) movement and go beyond just the core concepts and actually put their math to the test. Is the promised 4% rate of return formula your golden ticket or does it turn to rust in when you need it the most. If you live in British Columbia, let us help you take care of the people you love and visit braunfinan...
Jul 16, 2023•33 min•Ep. 83
Where there’s smoke there’s FIRE! This week we dig deeper into the FIRE movement and see how much of it is actually burning logs and how much of it is just cheap kindling. Can you sustain a retirement, what does it cost you in your everyday life? Plus we talk about what we actually really like about the movement in part one of this two week investigation. If you live in British Columbia, let us help you take careof the people you love and visit braunfinancial.com Keep the conversation going on o...
Jul 10, 2023•35 min•Ep. 82
It’s time to spin the wheel of retirement fortune and see what we get from the government, bonus points for landing on 70! This week it’s everything you’ve ever wanted to know about CPP and the new changes to OAS. Find out when it could be best to start collecting, how its funded and what the future holds for these 2 staples of government assistance. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our F...
Jul 02, 2023•31 min•Ep. 81
The call is coming from inside the house, and it’s asking when to expect payment of my loans! This week we talk with Blair Mantin president of Sands & Associates and go over everything you ever wanted, or didn’t realize that you needed to know about consumer proposals and bankruptcy in Canada. Learn new tips and tricks to help you even before you get into debt trouble and how to best deal with those mounting debts before it’s too late. If you live in British Columbia, let us help you take ca...
Jun 25, 2023•36 min•Ep. 80
For the price of a coffee a day you can become a millionaire… maybe. This week we dig into David Bach’s bestseller “The Latte Factor” and see if its core financial concepts are more foam than cream. Can small daily investments really revolutionize your retirement and how does the math really work in today’s market? If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www....
Jun 19, 2023•31 min•Ep. 79
What do all personal finance experts have in common? If you guessed a numbered step by step guide you’re correct! This week Christine joins the dark side of personal finance expertise and lays out her own road map, checklist, whatever we’re calling it, to help you master the basics of not only your budget but your entire personal finance journey. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Faceb...
Jun 12, 2023•31 min•Ep. 78
50, 30, 20 hut hut hut. This week we tackle the growing trend of set it and forget it percentage based budgets and how many of these American creations are leading Canadians astray. Find out whether these good ideas are based in reality and are actually feasible for the average Canadian. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfina...
Jun 05, 2023•29 min•Ep. 77
The most important part of investing is timing, or so we are led to believe. This week we talk about how to manage your time in the stock market and how emotions lead you off the cliff of destitution. Learning the cycles of the market and when to best get in, get out, or stay put is the true key to success. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook...
May 29, 2023•30 min•Ep. 76
