Did you know you could pay your rent with a credit card and earn points/rewards every month? In this episode of the Miss Findependent Podcast, Nika is joined by Liza Akhvledziani, co-founder of Chexy a platform designed to help tenants pay rent online while earning rewards and building credit. Liza holds a Bachelor of International Economics degree from the University of British Columbia and is a CFA charterholder. She started her career in investment banking, specifically in M&A at Deloitte...
Jan 31, 2024•1 hr 2 min•Season 7Ep. 3
In this episode of the Miss Findependent Podcast, join me as I reflect on the challenges and triumphs of the past year, marked by the loss of my grandfather. From Dima's powerful journey, we delve into essential financial lessons, navigating the intricate process of managing finances after a loved one's passing, and uncovering the keys to generational wealth. My grandfather was my financial guru. He was the first person who taught me to invest and I take some time to share how his life has impac...
Jan 10, 2024•34 min•Season 7Ep. 2
Learn how the UHNW (ultra-high-net-worth) individuals invest into different asset classes with Andrew Sarna, VP of Investments at Forthlane Partners. You can follow his work through his daily note here: https://offthecharts.substack.com/ Andrew has spent the last 5 years building out the Forthlane investment platform. He has experience across asset classes and building Canadian Pension Plan style portfolios for UHNW clients. He has led multiple investments including Private Equity co-investments...
Jan 03, 2024•48 min•Season 7Ep. 1
TFSA… RRSP… There are already so many acronyms for Canadian investing accounts, but here comes one more, the FHSA. In this episode I explain everything you need to know about the new First Home Savings Account and how you can work towards your goal of owning real estate. Here’s more of what I get into: 1:20 - Life Update - Bachelorette Outfit Hacks 9:27 - What is the FHSA? 13:42 - FHSA vs. TFSA vs. RRSP 18:40 - Contribution Limits 20:53 - What Can I Invest in? ✩ CONNECT WITH ME: ✩ Instagram: @mi...
Apr 26, 2023•33 min•Season 6Ep. 7
In this episode, I'll take you through my decision-making timeline and where I currently stand in the destination wedding planning process. I go into costs in detail, and sharing insights into where I found opportunities to be budget-conscious while still making the most impact. Planning a destination wedding has been an exciting yet overwhelming experience. From choosing the location to finalizing vendors, there have been a lot of decisions to make along the way. I've learned that it's importan...
Mar 15, 2023•33 min•Season 6Ep. 6
This episode honours and celebrate some of the amazing, trailblazing women that have come before us, and radically transformed life as we know it. The purpose is to highlight how far we've come as a society, and how much we've moved the needle over centuries... but there's still much work to be done. After all, it wasn't until the mid 1950's that single women in Canada were able to open bank accounts, and we stopped viewing women as dependants of their husbands or fathers. In this episode, I hig...
Mar 08, 2023•30 min•Season 6Ep. 5
Ever looked into the American Express (Amex) Card offerings and become overwhelmed? In this episode I answer a question sent in by one of my listeners on which Amex card is best. Here are the cards I review: American Express Platinum Card American Express Business Platinum Card American Express Cobalt Card American Express Green Card American Express Aeroplan Reserve Card Marriott Bonvoy American Express Card Get 100,000 MR Points By Signing Up Through My Referral ✩ CONNECT WITH ME: ✩ Instagram:...
Mar 07, 2023•13 min•Season 6Ep. 4
In this episode, I sit down with lawyer and educator Jessica Wu to discuss prenuptial agreements (prenups). We explore common misconceptions about prenups and their purpose, as well as their potential benefits and drawbacks. Jessica provides insight into the legal considerations of drafting a prenup, including the importance of transparency and communication between partners. We also discuss how prenups can be used as a tool for financial planning and protection in the event of divorce. Whether ...
Mar 01, 2023•40 min•Season 6Ep. 3
Thinking about how much you need to invest monthly in order to retire before 65? In this mini-episode I help Inessa (33 year old marketing analytics analyst making $88K/year) build a million dollar retirement plan even though she only started investing 3 years ago. Compound Interest Calculator ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com...
Feb 27, 2023•8 min•Season 6Ep. 2
Season 5 of the Miss Findependent Podcast starts off with me explaining my plan to live a ‘non-traditional life’ and become work optional by 40. I walk you through how to set long term financial goals, and give you a blueprint for how you can also plan to live off your investments, at whatever age you decide. This season is going to be packed with content. New full episodes will still be released every Wednesday, and an AMA (ask me anything) mini-episode is launching every Monday as well. In thi...
Feb 22, 2023•43 min•Season 6Ep. 1
We start at the very beginning. Who was Samuel Bankman-Fried, mainly known by his initials SBF? How did he build his crypto fortune? Did he always come from money? In this week’s episode of The Miss Findependent Podcast, I get into all of this and more. This isn’t some fluff piece. This is the full story… with updates from his employees, details about his political involvement, and some insight into what shaped him to be the man he is today. SBF comes off as a big philanthropist, guided by his b...
Dec 01, 2022•37 min•Season 5Ep. 7
Every time I see someone pay for something with a debit card, and they’re above the age of 18, I cringe on the inside. Credit cards are not evil. In fact, credit cards can be an incredible tool that help you build credit history which is essential for every single adult. Outside of that, they also have AMAZING perks ranging from insurance, letting you travel for free, giving you cash back to help pay for your balance. In this episode I go through the different types of credit cards, and the most...
Nov 03, 2022•35 min•Season 5Ep. 6
To rent or to buy… the age old question A lot of millennials have stopped asking the question because they feel buying real estate is far out of reach. And on top of that, there’s so much societal pressure that suggests renting is burning cash, and owning real estate is like a right of passage for adulthood. I debunk both of these myths. Personal finance is.. Personal. Buying or renting is a conscious decision that shouldn’t be taken lightly. Buying real estate can be a great tool for wealth, bu...
Oct 26, 2022•36 min•Season 5Ep. 5
In this episode, I sit down with Viler Lika, the founder and CEO of SingleKey, which takes the stress out of renting. It helps landlords find the right tenants, and helps manage the risks that come with renting - serving both the landlord, and the tenant. They’re like a bridge that makes managing that relationship easier. It’s a platform that I use myself, and that’s why I was really looking forward to this conversation. I met Viler a couple years ago and have seen his business grow and evolve. ...
Oct 12, 2022•54 min•Season 5Ep. 4
In this episode, I sit down with Alyssa Atkins, the founder and CEO of Lilia, the most enjoyable egg freezing experience in the world. Lilia is is on a mission to bring reproductive freedom to every woman by making egg freezing affordable, accessible, and convenient. Alyssa raised Lilia's first round of funding in 5 weeks with no product, deck, or website, and went on to gain backing from Y Combinator, Silicon Valley's most prominent investor. Alyssa and I, like many women, were sick of doing th...
Oct 05, 2022•58 min•Season 5Ep. 3
Do you ever have social anxiety and get nervous about presenting or meeting new people? Same girl same, I get this all the time. When I have to go on stage. And even when I see people walking towards me on the street, or when I have to go on stage. In this episode I walk you through a quick breathing exercise that helps you lower your heart rate and get rid of the adrenaline you feel before communicating at a larger scale. I also dive deep into communication techniques and tips that will help yo...
Sep 14, 2022•27 min•Season 5Ep. 2
For all you guys asking, begging, coercing me into sharing my skincare routine… fine. Fine… I’ll share it with you. This is my secret to having clear, dewy, and hydrated skin. I hate how consumer culture focuses more heavily on which products people put on their skin, rather than how they organize their finances… but if that’s what it takes to get your attention, to make looking at your financial systems fun, so be it. Skin care is important, don’t get me wrong. It’s the largest organ in the bod...
Sep 07, 2022•45 min•Season 5Ep. 1
From Forex and crypto trading to binary options, financial scams are everywhere and scammers are praying on the uneducated, money-driven individuals who engage in online communities. The content behind this episode is sparked by my recent experience being impersonated. Instagram is currently investigating the account, however this is not the first time this has happened. Scam artists thrive on social media because they’re able to quickly build trust and target a specific audience. Friendly remin...
Jul 20, 2022•30 min•Season 4Ep. 7
Robots are everywhere. They clean your house, they can drive you to work. They can even make investment decisions for you. Not literal humanoid robots like the ones Elon Musk said are going to be featured in every home, but AI versions that can make automated investment decisions based on your risk profile and preferences. In this episode I break down what robo-advisors are, how they came to be, and how they work. I break down the benefits of using one vs. making investment decisions yourself an...
Jul 07, 2022•39 min•Season 4Ep. 6
Short term rentals & Airbnb arbitrage has been all the craze. In this episode I chat with Sarah Glidewell and Emily Karnaz - The KarWells and we get into how lucrative this space really is, and actionable tips for how to get in the Airbnb game. Here’s what we get into: 1:49 - The KarWells 3:39 - Dealing With Conflict 6:19 - B.C. (Before Covid) 11:11 - Vetting Guests & Investments 16:24 - Airbnb Arbitrage 20:15 - Designing an Airbnb 23:47 - Tips For Building Your Airbnb Stay Tuned! SuperH...
Jun 22, 2022•37 min•Season 4Ep. 5
Taking risks is hard. Especially for women because we are biologically programmed to have less testosterone, and that affects the way we respond to stressful situations. Studies show that the propensity for risk taking decreases for women, when we encounter stress, but actually increases for men. Even though we’re programmed this way, it doesn’t mean we can’t reprogram our mind to actually take more calculated risks. In this episode I provide actionable tips for how you can learn to take risks a...
May 18, 2022•27 min•Season 4Ep. 4
The S&P 500 is down 13% YTD. The yield curve inverted on April 1st 2022. Interest rates are rising. The markets and the news are all “doom and gloom” but how are you as an investor really going to be affected? In this episode I break down how to ‘recession proof’ your finances, and actionable ways to take care of your investments, savings and income during this time. Here’s what I get into: 1:33 - How inflation is affecting prices 4:18 - State of the job market 7:02 - Interest rates & th...
May 11, 2022•26 min•Season 4Ep. 3
I cannot believe this is my 50th episode, but there’s no better guest that I’d rather have to celebrate this milestone. In this episode I bring on my good friend V. Vahid, who I often call V, is not just the mysterious figure wearing a Guy Fawkes mask you probably recognize. He’s a top performing sales professional who’s built his career from the ground up, starting as a BDR (Business Development Rep), to now being a multi-six figure earning Senior Account Executive. Vahid and I are great friend...
May 04, 2022•53 min•Season 4Ep. 2
Welcome back to a new season of Miss Findependent. We're doing things bigger and better than ever this season. New guests, new content, and lots of opportunities to learn how to grow your money. In this episode I sit down with Mike Sieben, a 7-figure Amazon FBA Wholesale Seller. He’s also the founder of Elite Wholesale, an education program with ongoing support for new Amazon wholesale sellers. Here’s what we get into: 1:17 - Getting into Amazon FBA 2:05 - What is Wholesale Selling? 5:58 - Elite...
Apr 27, 2022•18 min•Season 4Ep. 1
Gina Judge is a licensed residential mortgage broker, financial consultant and award winning millennial money coach. She’s a host of The Millennial Money Guide, and teaches her audience how to invest, build credit, manage student loans, obtain a mortgage, and become debt free all while living a more fulfilled life. With 5 years of experience in the finance industry, Gina’s helped thousands of Canadians improve their financial well-being. In 2019, she was nominated for WXN’s Emerging Leader Award...
Mar 02, 2022•38 min•Season 3Ep. 9
The average lifespan in Canada is 82, and most people retire at the age of 65. That’s at least 17 years of life that we have to think about affording. That’s what the Registered Retirement Savings Plan or RRSP exists for. A lot of people don’t know that although it’s called a Retirement Savings Plan, it’s actually best used for investing, (not saving), and can be used for so much more than just retiring. This episode starts with the basics, and then goes more in depth to look at 2 ways of non-tr...
Feb 24, 2022•25 min•Season 3Ep. 8
Every ETF that tracks an Index is an Index Fund, but not every Index Fund is an ETF. Confused? In this episode I get into the details. As my audience grows, so does the range of financial literacy of my listeners. In this episode I bring it back to the basics with my investing series. Here's what I get into: 1:20 - What's an Index? 2:12 - Four Major Indexes 3:41 - Quick Refresher on ETFs 4:07 - Mutual Funds 6:02 - Management Expense Ratios (MERs) 14:41 - Tangerine Mutual Funds 14:38 - Robo Advis...
Feb 16, 2022•20 min•Season 3Ep. 7
Kalya Trivieri is a Senior Consultant for IBM and works in AI and IoT. She’s privy to the rapid innovations happening in the digital space and noticed a growing interest in NFTs and, on a whim, decided to make her first viral video teaching her followers about what she knew. She has grown a following of over 220K since then and noted that the audience is mostly women who want to learn about NFTs, blockchain, and crypto. The idea of addressing her audience as “Hot Girls” breaks down the stereotyp...
Feb 09, 2022•52 min•Season 3Ep. 6
For the first time ever I bring my fiancé Alex onto the podcast. We’ve been together for almost 10 years, recently got engaged, run 2 businesses together and invest in real estate together. On my instagram @missfindependent I had people send in questions for us about how we manage finances and our business together. Here’s a breakdown of what we get into: 1:00 - How to Manage Expenses Together 5:10 - Investing Accounts 8:00 - Income Differences and Expenses 12:11 - Having One Goal 14:58 - How to...
Feb 04, 2022•26 min•Season 3Ep. 5
Don’t let anyone tell you otherwise. Having a 9 - 5 “traditional job” is still cool. It helps you qualify for traditional lending, and helps you invest into building other income streams. Relying on earned employment income alone though is not cool. There are a lot of benefits of having a stable income. And that’s what a job provides. It gives you the security to know that your financial obligations are going to be met. What I want you to rewire, is this idea that your earned income -the money t...
Jan 26, 2022•21 min•Season 3Ep. 4
