A dollar saved is a dollar that still doesn’t trust you. This week it’s another edition of financial planner confessions as Christine give you quick tips on how to save money and better allocate your financial resources. Money saving tips such as don’t take kids to candy stores, keep Christine away from espresso beans and how to assign true value to all the shiny things we want. If you live in British Columbia, Alberta or Saskatchewan let us help you take care of the people you love and visit br...
May 13, 2024•40 min•Ep 124•Transcript available on Metacast The key to retire early is to just give up… working… everyday. This week we confront a new study which shows the changing face of retirement expectations in Millennials. The classic forced march to 65 is out and a new face of retirement is emerging where people are looking to better enjoy their lives. Despite inflation, and high interest costs, and low job prospects, and unstable stock markets and no where to live; Millennials sure are an optimistic bunch. If you live in British Columbia, Albert...
May 06, 2024•31 min•Ep 123•Transcript available on Metacast Don’t you know DIY is the way to go with everything in life, goodbye plumbers, accountants, lawyers, and doctors, wait why am I suddenly sick, being sued, getting audited and wet? This week take you through the wild west of financial advisors and help you understand everything about pricing, designation types, services offered, specializations for planners and more. Find out from Christine what to look for in a Certified Financial Planner and how they can help you fulfill your financial goals. I...
Apr 29, 2024•36 min•Ep 122•Transcript available on Metacast "The commitment needs to be a commitment to grow the economy, and the budget will balance itself,” -Justin Trudeau, Leader of the Opposition, February 2014. This week it's Budget Blow-out-palooza 20-24 exclusively on Tax-Payer Per View. Cameron makes the great sacrifice and reads through the proposed budget to see what will impact your personal finances the most in the coming year and onward. Plans for converting government assets into residential properties changes to capital gains structure an...
Apr 22, 2024•33 min•Ep 121•Transcript available on Metacast Of course I’ve filled and paid my taxes, I did that over a year ago. This week we cover some helpful hints for this year’s tax filing season, and to make sure you don’t forget to file! Changes to RRSP Home Buyer’s Plan, CERB repayment deductions, indexation adjustments and more thrilling line items to help you take stock of the past year and what you’ve accomplished, If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversati...
Apr 15, 2024•27 min•Ep 120•Transcript available on Metacast Of course I’m ready and saved up to retire, it should only cost about $1400 to get new tires on my van, oh wait that’s not what retirement means, it’ll cost how much!?? This week we review “How to Retire with Enough Money: And How to Know What is Enough” by Teresa Ghilarducci Ph.D, an academic that can actually communicate with average people. Find out why the author thinks people need to take retirement seriously, whether its better to budget 70% or even 100% of your current expenses for retire...
Apr 08, 2024•34 min•Ep 119•Transcript available on Metacast What is the good life? “To crush your enemies, see them driven before you, and to hear the lamentations of their women.” This week we review “The Good Life” by Robert Waldinger & Marc Schultz to see how our health and well-being are dictated by our overall happiness and connections with others. What have these authors learned from The Harvard Study of Adult Development and how do we as Canadians stack up in the most recent World Happiness Report, spoiler alert its worse than last year. Alternate...
Apr 01, 2024•36 min•Ep 118•Transcript available on Metacast What goes up can only go higher - you have no power here laws of thermodynamics! This week we talk about the classic business cycle and show how the stages of Recovery, Expansion, Slowdown, Contraction are unavoidable yet predictable. Find out where we are not in the cycle, what to look out for and how to thrive in these regular seasons of transition, prosperity and doom. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conve...
Mar 25, 2024•34 min•Ep 117•Transcript available on Metacast If I had nickel for every time someone told me about a myth that keeps me away from more nickels, I could retire. This week we evaluate “Smoke and Mirrors: Financial Myths that Will Ruin Your Retirement Dreams” by David Trahair. Has this Canadian accountant figured out the five myths which holds us back from financial success or are we just being nickeled and dimed by outdated advice? If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com K...
Mar 18, 2024•35 min•Ep 116•Transcript available on Metacast Finally, it’s time for me to make money off someone else’s debt! This week we talk about all things fixed income and whether you want it in your portfolio or not based on your risk tolerance requirements. We explain what bonds are, why they’ve been broken in the past couple of years and what to expect going forward. So, get ready to see how, if and why fixed income can fix your income. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com ...
Mar 11, 2024•31 min•Ep 115•Transcript available on Metacast At least when the robots take over I won’t have to pick my own stocks anymore. This week we go over fresh research from Ray Dalio and see if the current tech sector is in a bubble that is about to burst or is simply overvalued. What is the state of the Magnificent 7 ( or AAAMMNT for short), what could be the true impact of AI and are we all just getting worked up about nothing? If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the...
Mar 04, 2024•38 min•Ep 114•Transcript available on Metacast The government giveth, and the government taketh away. This week we catch you up on several changes the federal government has unleashed in 2024. Changes that’ll put more or less money in your pocket, or realistically give you more so they can take even more back. Get ready for repriced carbon tax, new dental care options, increased TFSA limits and more. 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 o...
Feb 26, 2024•38 min•Ep 113•Transcript available on Metacast I have altered the meaning of RRSP, pray I do not alter it any further. This week Cam makes up a new acrostic about RRSP’s, Christine goes over advice from a trusty accountant, and we give our 4 factors to determine if you should make an RRSP contribution. So, dig out your trusty 2023 T1 General tax form and follow along. 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...
Feb 19, 2024•31 min•Ep 112•Transcript available on Metacast Today is about loss, heartbreak and the idea that it won’t happen to me. Part of life is about adapting to things we wish didn’t happen and how to best prepare for the unthinkable. 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/itspersonalfinancecanada...
Feb 12, 2024•17 min•Ep 111•Transcript available on Metacast “My investment strategy used to be with ‘it’, but then they changed what ‘it’ was. Now what I’m with isn’t ‘it’ anymore and what’s ‘it’ seems weird and scary. It’ll happen to you!" This week we talk about the market and economic outlook for 2024 and see that it is a tale of two conflicting opinions. Is recession still a risk, what equities are over or under valued and how can you prepare your strategy for the coming year before everything gets weird and scary… or not. If you live in British Colu...
Feb 05, 2024•34 min•Ep 110•Transcript available on Metacast Make work not profit, oh that’s where I went wrong. This week we conclude our two-part series on small business and talk about how to build a realistic business plan that enhances profitability. Find out how your personal finance habits can make or break your company, and profitability, and sanity. Plus some tips from Mike Michalowicz’s book “Profit First” to help you make sure you remember to pay yourself in all of this. If you live in British Columbia, let us help you take care of the people y...
Jan 29, 2024•38 min•Ep 109•Transcript available on Metacast The best way to not get laid off, is to be your own boss… I hope. This week we talk about one of the best ways to take control of your personal finances, starting a small business. Is it right for you, can you handle being a “jack of all trades,” and can you master the art of systemization? Find out what it really takes to make things work and the pro’s and con’s of being your own boss. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com...
Jan 22, 2024•36 min•Ep 108•Transcript available on Metacast This week we talk about how different stages in your life impact how you use RRSPs and TFSAs. What is strategy could be best for each age group, what will help you net the most returns and what is some of the fine print that most people don’t notice. 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/itspersonalfinancecanada...
Jan 15, 2024•33 min•Ep 107•Transcript available on Metacast A new year, a new me, a new series of mistakes to make. This week we help you start the year off right with some of our favorite personal finance tips that we think will help you in 2024. Everything from market timing, to adjusting your finances for wanted & unwanted life changes and finding low cost ways to reduce stress. 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: ...
Jan 08, 2024•34 min•Ep 106•Transcript available on Metacast 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•Transcript available on Metacast “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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 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•Transcript available on Metacast 
