The Personal Finance Show

The Personal Finance Show is a place for people to tell their personal finance stories. Everyone has a personal finance story.

COVID-19 Weekly Update 14

June 28th, 2020

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Week 14 of the COVID-19 series features Danielle Desir.

Danielle is the founder of WOC (Women of Colour) Podcasters, travel and personal finance blogger, podcaster, and author of 2 books (with a 3rd on the way).

In this episode we discussed Danielle's COVID-19 experience so far, starting with her trip to China in December 2019 just before the pandemic; her level of anxiety about leaving the house (which I understand well), let alone travelling anywhere during this time; and, why it's more important now than ever to have a space for women of colour podcasters.

Danielle will be back to tell her full personal finance story on a future episode, but in the meantime, if you want to hear more about her background, please check out this episode of the Money Nerds podcast (hosted by my pal Whitney Hansen):

https://www.themoneynerds.com/danielledesir/

Danielle's Blog:  https://thoughtcard.com/

Danielle's Podcast:  https://podcast.thoughtcard.com/

WOC Podcasters:  https://wocpodcasters.co/

Danielle's Book about Iceland:  https://thoughtcard.com/iceland-travel-guide/

Danielle's Book about affording travel:  https://thoughtcard.com/affording-travel-book/

COVID-19 Weekly Update 13

June 21st, 2020

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Week 13 of the COVID-19 series features Jackie Porter

Jackie is a Canadian CFP, author of "Single by Choice or Chance", financial confidant, and recent winner of the Mackenzie Investments award for "Female Trailblazer of the Year".

In this episode we discussed:

-Jackie's book and the importance of financial empowerment.

-COVID-19 stories from Jackie's financial planning clients and how "we're all in this together but differently".

-The importance of being able to pivot and constantly having "beginner's mind" and learning experiences in business and in life.

-Jackie's personal experience with racism in her industry and personal life and how she has been impacted by the anti-racist protests going on in the world right now.

Jackie will be back to tell her full personal finance story on a future episode, but in the meantime, if you want to hear more about her background, please check out this episode of the Mind Your Business podcast:  

https://www.themybpodcast.com/podcast/episode/79b3a9a3/153-jackie-porter-author-and-financial-confidant

COVID-19 Weekly Update 12

June 14th, 2020

 

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Week 12 of the COVID-19 series features Kassandra Dasent.

Kassandra currently lives in Florida, was born in Trinidad and grew up in Canada (Montreal).

In this episode we discuss Kassandra's experience with COVID-19 so far, and how it has affected her ability to see her mother in Montreal, and her step-child in Trinidad.  We also discuss the current anti-racist protests around the world, Kassandra's experience with explicit and implicit racism in her own life, and what we can all do to help change the way Black people are viewed in the US, Canada and everywhere.

Kassandra will be back to tell her personal finance story on a future episode, but in the meantime, if you want to hear her story, please check out these podcast episodes:

https://www.journeytolaunch.com/episode114/

https://paychecksandbalances.com/kassandra-dasent/

For more about the Black Tax, check out this interview on Journey To Launch with Shawn Rochester:

https://www.journeytolaunch.com/episode158/

COVID-19 Weekly Update 11

June 7th, 2020

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Week 11 of the COVID-19 series features Kara Perez from Austin, Texas.

Kara's business Bravely Go was all about live in-person events, until the pandemic hit and she had to figure out how to pivot her business.  Kara decided to create an online event called the Financial Feminist Summit, which was at the end of May 2020 and attracted 3,300 registrants.  In the episode, Kara and Beau talk about the Summit, feminism, racism, intersectionality, and what the future holds for the events industry.

COVID-19 Weekly Update 10

May 31st, 2020

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I resume the global tour in Week 10 of the COVID-19 series which features my friend Eric Wong in Singapore.  We discuss his personal experience with the pandemic so far, how Singapore is handling the situation generally, and how Eric's industry, hospitality, has been devastated by this global crisis, and what the future might look like.

COVID-19 Weekly Update 9

May 24th, 2020

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Week 9 of the COVID-19 series is a break from the global tour.  Matthew Siwiec joins me from his home in Toronto to review the "alphabet soup" of Canadian emergency benefits there are out there.  From EI to CERB to CESB to CEWS to OCECRA, among others, we try to make some sense of them.  Since these benefits change all the time is a good idea to talk about them as much as possible. 

Here are links to some of the resources mentioned in the episode:

Matthew's COVID-19 page – look for updates later this week

TPL Event – May 27th 5 to 6pm EST  - this coming Wednesday, open to the public

Benefits Finder for individuals – Didn’t get to this in the episode, but it is a great resource

Summary of benefits 

CERB Questions and Answers

COVID-19 Weekly Update 8

May 17th, 2020

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Week 8 of the COVID-19 series features my cousin Jay who lives in Berlin, Germany.

Every week during the pandemic Beau will find someone in a different part of the world with a different personal pandemic experience to share their perspective and tell their story for others to hear. 

In this episode Jay shares his COVID-19 experience so far in Germany, where he currently lives with my cousin Liz and their son Hudson.  Jay works for a company called HERE Technologies and Liz is an experienced travel writer, having most recently researched and written for 20 Fodor's guidebooks over the last 8 years.

For Jay, Liz and Hudson, travel is their way of life.  Though they are ok financially during this pandemic and acknowledge their privilege in this regard, this doesn't diminish the fact that they may have to rethink how they live and earn in the "new normal" that emerges after the COVID-19 dust has settled.  

(As we discussed in the episode, Hudson has his own Instagram account called Hudson in Hotels and can be found here:  https://www.instagram.com/hudsoninhotels/)

COVID-19 Weekly Update 7

May 10th, 2020

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Week 7 of the COVID-19 series features James Mwombela from North Carolina.  

Every week during the pandemic Beau will find someone in a different part of the world with a different personal pandemic experience to share their perspective and tell their story for others to hear. 

In this episode James shares his COVID-19 experience so far in North Carolina, which is currently on lockdown but that is changing this week as they enter Phase 1 of "reopening".  James was already working from home so his work situation has not changed much.  In fact, an interesting effect of this global pandemic is that people who may have been less focused on their finances are realizing this is the time to really figure things out.  As a Certified Financial Planner in the US, James is well equipped to help people with their finances during normal times, and the pandemic has provided him the opportunity to reach more people and help them make plans to survive and thrive in the future.

COVID-19 Weekly Update 6

May 3rd, 2020

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Week 6 of the COVID-19 series features César Tánchez from Guatemala.  

Every week during the pandemic Beau will find someone in a different part of the world with a different personal pandemic experience to share their perspective and tell their story for others to hear. 

In this episode César shares his COVID-19 experience so far in Guatemala, which has less than 700 cases of the coronavirus and only 17 deaths as of today.  For comparison, the global numbers as of today are almost 3.5 million cases with nearly 250,000 deaths.   César also explains how there is no employment insurance in Guatemala and how the pandemic is changing the way the people of his country view saving for the future and personal finance in general.

Search for César's podcast, "Trascendencia Financiera con César Tánchez", wherever you get your podcasts.

COVID-19 Weekly Update 5

April 26th, 2020

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Week 5 of the COVID-19 series features Tom Drake from Alberta.  

Every week during the pandemic Beau will find someone in a different part of the world with a different personal pandemic experience to share their perspective and tell their story for others to hear. 

In this episode Tom shares his COVID-19 experience so far, which includes getting officially tested and having to isolate under quarantine law.  Tom and Beau also discuss investing during an economic recession like this and what to be careful of at a time when no one can predict how the economy will be affected and for how long.

COVID-19 Weekly Update 4

April 19th, 2020

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Week 4 of the COVID-19 series features Jordon Cox of the UK.  Beau and Jordon discuss:

-Jordon's trip to Disneyworld that was cut short and for which he's still trying to get some money back

-His recent health issues and how that affects his susceptibility to the virus

-How the UK is handling the COVID-19 pandemic and the rules in place to protect the British people

-How 1/3 of the National Health Service (NHS) workers have been compromised by COVID-19 and the system is overwhelmed.

-How the pandemic has affected Jordon's ability to make money and what financial relief exists in the UK

-That a podcast host should never ask this question during a lockdown: "Where is your boyfriend now?"

-How the British people are excellent at queuing(standing in lines) which is very evident during a pandemic.

COVID-19 Weekly Update 3

April 12th, 2020

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In the third weekly episode of the COVID-19 series, Beau calls Australia to speak to Michelle from frugalityandfreedom.com to discuss:

  • How COVID-19 has affected her life so far

  • How Australia and New Zealand are handling the pandemic

  • How Michelle's personal finances have been impacted

  • Financial independence and frugality

  • The live event industry and how it has been decimated

  • The importance of staying positive and taking care of your mental health during times like this

  • Building other forms of capital other than financial capital to help you adapt to changes in the world or your circumstances

 

Links to things Michelle mentioned in the episode:

Rich & Resilient Living blog - Looking Beyond Financial Capital on the Path to Financial Independence

http://www.richandresilientliving.com/looking-beyond-financial-capital-on-the-path-to-financial-independence/

Nomad Numbers - Nomad life during COVID-19: exiting Bali and home quarantining in Taiwan

https://www.nomadnumbers.com/nomad-life-during-covid-19-exiting-bali-and-home-quarantining-in-taiwan/

Website & social links:

FrugalityandFreedom.com

Twitter @FrugalityFreedm

Instagram @FrugalityandFreedom

COVID-19 Weekly Update 2

April 5th, 2020

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In the second weekly episode of the COVID-19 series, Beau talks about:

  • Emergency-fund shaming and how we're in survival mode now and there is no point in telling someone they should have had an emergency fund

  • Hopefully going through a pandemic without an emergency fund will give you the perspective to start saving once you have surplus income again

  • What if you are in a position where you have no surplus income so you can't build savings?

  • The dangers of relying on credit as your emergency fund

  • This new world of video and how we need to be patient with those who aren't familiar with new technology, and how to protect yourself from hacking with online passwords for video meetings.

  • How everyone's situation is different and we can't give blanket financial advice at a time like this, or ever, really.

COVID-19 Weekly Update 1

March 29th, 2020

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Beau returns from his podcasting sabbatical to provide a personal update and talk about the COVID-19 global pandemic in Canada as of March 29, 2020.

Links mentioned in the episode:

Hoyes, Michalos & Associates Inc.

Debt Free in 30 podcast on Apple Podcasts or YouTube

Canada Emergency Response Benefit Infographic by Matthew Siwiec

Podcasts for US Listeners:  Money With Friends, Stacking Benjamins

100 - Financial Privilege

September 19th, 2019

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This is the 100th episode of The Personal Finance Show!

My special guests today are Tanja Hester and Kara Perez, the hosts of my favourite podcast, The Fairer Cents, and James Mwombela, who is a CFP and Associate Planner at Grid 202 Partners.

Episode 100 isn’t about someone’s personal finance story. It’s about an important personal finance topic.

Today’s topic is financial privilege.

 

My goal with this episode was to encourage you to think about privilege and how it affects your life and your finances.

Most people understand obvious financial privilege.  

If you come from a wealthy family, you have an easier time than someone who doesn’t come from money.  

Having to work as a teenager to pay bills is very different than choosing to work as a teenager to buy the things your parents won’t buy you.  

Graduating with student loans puts you in a very different financial starting position from someone who’s parents saved up and paid for their schooling.  

Working to save for retirement is very different from working to pay your bills and make the minimum payments on your credit cards.

But as we discussed in the episode, there are also less obvious layers of privilege, like your gender, the colour of your skin, or whether you are an immigrant, which may affect your ability to make money.  

Like Darryl Brown from episode 93 of the show who didn’t think that anyone would want him to be their financial advisor because he’s black.  

Or Nico Barawid from episode 67 who’s parents were both doctors, but were discriminated against financially because they had immigrated from the Phillipines.  

There is still a lot of work to be done to increase Indigenous people's access to culturally relevant financial education resources, as Bettina Schneider and I discussed in episode 95

Women are 80% more likely to live in poverty in retirement than men, as Saijal Patel mentioned in episode 77.  This is not surprising if you consider that women only gained the right to open a bank account in the 1960s. The Equal Credit Opportunity Act was only enacted in 1974, which made it unlawful for a creditor to discriminate against any applicant on the basis of race, gender, religion, national origin, marital status, or age.  

Think about that for a second -  45 years ago, it was so normal to financially discriminate against anyone who wasn’t a white male, that they actually had to make a law to tell financial institutions to stop being racist and sexist. On the other hand, white men have been able to open bank accounts and get credit since banks were invented hundreds of years ago.  And it’s not like everyone stopped being racist and sexist on the day the law came out. As we discussed in the episode, this discrimination still exists, though it’s not as explicit as it once was.

I’ve never met anyone who doesn’t think this is a problem.  There isn’t anyone I know who would explicitly say that they don’t believe everyone should have equal opportunity to make money and build wealth.

So let’s do something about it.

Let’s talk about it on podcasts like this.  

If you have the opportunity to use your privilege for good, to help someone who might have less advantages than you, do that.

Remember that privilege is just perception.  There’s no logical reason why gender or race or all of the other differences we mentioned should impact your ability to make money.  It’s all in our heads and to stop it we need to change our thinking and our actions.

So that’s my 100th episode.  I’ll be back soon with new episodes so if you haven’t subscribed to the podcast, please do that now, so you know when the new episodes are up.  If you liked this episode, check out the other 99 episodes and please leave me a review on Apple Podcasts. And if you have any questions or just want to say hello, you can always email me at beau@beauhumphreys.com.


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99 - Beth MacMillan

September 12th, 2019

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Beth MacMillan wants you to prioritize travel.

In 2011, Beth and her husband, Mark, decided to use their saved up money and take a 6 month honeymoon around the world.

You don’t have to save $20,000 and buy round-the-world tickets like Beth did, but if you’re interested in travel at all, you can pick up a lot of tips by listening to Beth’s story.

To be able to travel, you need 2 things, time and money.

Maybe you have the time, but not the money, so you feel like you can’t afford to go anywhere.

Maybe you have the money, but not the time, so you can just fly somewhere for a weekend or a week and it doesn’t seem worth the effort.

There will always be barriers to travel, and if you have disposable income, there are a million things you can spend your money on instead of travelling.

However, if you have the desire to travel, there are ways to make it a priority in your life.

Every time you have extra money, you make a choice to use that money for something that is important to you. It doesn’t have to be a lot of money, as Beth and I discuss in the episode.

For Beth, travel was always top of the list. Maybe you’re the same. Maybe you don’t even realize it yet because you haven’t been anywhere.

Personally I believe every dollar spent on travelling is totally worth it. The “return on investment” of travel isn’t dollars but it’s a higher quality of life.

But that’s just me. And Beth, of course.

P.S. If you want to ask Beth any questions about travel or concussions, you can email her here.

NEXT EPISODE

100 - Financial Privilege with Tanja Hester, Kara Perez, and James Mwombela


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98 - Sarah Li Cain

September 5th, 2019

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Sarah Li Cain wants you to be open to opportunities and to make independence a priority.

Sarah was born in Hong Kong, grew up in Canada, has lived in Australia, South Korea and China, and is currently in the US.

Sarah worked mainly as a teacher, but the key to her survival and success was to be open to opportunities along the way.

Knowing that she couldn’t be a teacher in the US if she moved there from China with her husband and new son, Sarah looked into ways to make money online.

Sarah ended up finding freelance writing as something she could do from anywhere in the world and focused on personal finance writing.

Today, Sarah makes over $100,000 a year working part-time from home, creating content for financial brands and online publications. It’s not easy to create in-demand content and get paid for it, but her desires to be independent and to be free to spend her time the way she wants, keep her on track.

Sarah is also the host of the Beyond the Dollar podcast, where she has deep and honest conversations about how money affects our well-being.

Sarah joined me from Jacksonville, Florida to share her personal finance story.

NEXT EPISODE

99 - Beth MacMillan


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97 - Bridget Casey

August 29th, 2019

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Bridget Casey wants us all to get rich together.

The good news is that Bridget already did most of the work for you. All you have to do is follow her instructions.

You don’t have to spend years studying the stock market and get an MBA in finance. She already did that so you don’t have to.

Bridget took all of her personal finance skills and education and spent countless hours crafting online courses for you.

Her stand-out course is called the Six-Figure Stock Portfolio. She created this course because there’s nothing like it online right now and as you heard in the intro clip, her students are doing very well.

Bridget started her website Money After Graduation in 2012 and today she has over 3,000 visitors per day.

Bridget also makes personal finance videos on YouTube where she has over 6,500 subscribers and over 500,000 views of her videos.

Bridget joined me from Edmonton, Alberta to share her personal finance story.

NEXT EPISODE

98 - Sarah Li Cain


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96 - Erin Lowry

August 22nd, 2019

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Erin Lowry wants you to know that words have power, especially when it comes to your money.

Saving and investing are not the same thing. For example, if someone is saving for retirement, they might not even be aware that they are actually investing their money. Very few people put their retirement money in a savings account. It’s much more likely that if you have your retirement money invested in an index fund, or some kind of portfolio of stocks and bonds that are subject to risk and growth.

But if we keep using the word “save” when we talk about retirement, we miss the opportunity to learn about our investments. If we say “invest” for retirement, you might be triggered to ask “What’s my money invested in?”

You might be thinking, Beau, everyone knows the difference between saving and investing, and people know where their retirement money is invested. Unfortunately, that’s just not true. I read yesterday that 40% of Canadians keep their TFSA contributions in a simple savings account.

Why are Canadians doing this? Well, it’s in the name. TFSA stands for Tax-Free Savings Account. The Canadian government called it a savings account. But it’s not a savings account. It’s a tax shelter. Where the RRSP, or Registered Retirement Savings Plan, was created to save you taxes now, only for you to pay them later when you withdraw money in retirement, the TFSA allows you to take after-tax money you already have and protect it from ever being taxed again.

So the TFSA is not for savings, because savings might grow, if you’re lucky, at 1% per year. You can afford the taxes on 1%. What you want in your TFSA is your highest growth investments. If you have $10,000 in Canadian bank stocks, for example, and you say they are part of your TFSA, and then grow by 10% this year, you pay no tax on that 10%. Not this year or any year after that. That $10,000 could grow to $100,000 and you never pay any tax.

So should this program created to shelter your investment growth from future taxes be called a Tax-Free Savings Account? Absolutely not. It’s a terrible name and it’s confusing Canadians.

Words have power.

Like the words "broke" and "poor" are not the same thing.

This is something that Erin and I discuss in the episode, as she has now written two books: the first one is called Broke Millennial and the most recent one is Broke Millennial Takes on Investing. And there’s a third book in the series coming soon, which we also discuss in the episode.

Erin joined me from New York City to share her personal finance story.

NEXT EPISODE

97 - Bridget Casey


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95 - Bettina Schneider

August 15th, 2019

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Bettina Schneider wants you to understand the impact your values, histories and life experiences have on your financial decision-making processes.

Bettina has a PhD in Native American Studies and is currently Associate Professor and Associate Vice President Academic at First Nations University of Canada.

Bettina spends a lot of her time contemplating the following questions:

How can we increase Indigenous people's access to culturally relevant financial education resources?

How can we reframe the way we talk about financial literacy and personal finance in order to make it more accessible to a wider audience?

Bettina believes that financial literacy resources do not always speak to the varied values and experiences of their audience and would like to see more of those resources explore how people's "money culture" impacts the way they relate to money.

Bettina joined me from Regina, Saskatchewan to share her personal finance story

NEXT EPISODE

96 - Erin Lowry


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94 - Joe Saul-Sehy

August 8th, 2019

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Joe Saul-Sehy wants you to learn about money, but he doesn’t want you to think you’re learning anything.

Joe is the creator and co-host of The Stacking Benjamins Show, one of the top personal finance podcasts in North America. Joe also co-hosts a new podcast called Money in the Morning.

The running joke on Stacking Benjamins is that you won’t learn anything about money by listening to the show, and if you do learn something, you should keep it to yourself.

Joe figured out a way to make personal finance fun and entertaining, and somehow got over 130,000 people to subscribe to the Stacking Benjamins podcast along the way.

But Joe’s history with money is not all sunshine and roses. He’s made his share of money mistakes over the years and that’s what makes him so effective as a host of a personal finance podcast.

I’m very happy to have Joe on the show and I’m flattered that he has invited me to be on the infamous Stacking Benjamins roundtable coming up on a Friday sometime in the next few months.

Joe joined me from Detroit, Michigan to share his personal finance story.

NEXT EPISODE

95 - Bettina Schneider


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93 - Darryl Brown

August 1st, 2019

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Darryl Brown wants you to stop complaining about bad financial advice and do something about it.

If you walk into a bank, give them money, don’t ask questions and do zero research on investing, then you’ve pretty much given up your right to complain if you’re not happy with the results.

Instead of complaining about things, let’s be proactive. This is your money. It’s important. You work hard for it. So why not spend a bit of time on it.

Yes, I’ve said this a lot. I know it’s hard to do the work yourself. It takes time and a personal interest in investing. So it might make more sense for you to pay someone a fee to help you figure it all out.

And this is where a lot of people get confused. They think that walking into a bank or going to a company that sells financial products is the best way to invest their money in a way that achieves their financial goals. They don’t charge upfront fees so that sounds great to most people.

But as I’ve said many times, if a financial services company doesn’t have the product that is best for your goals, they are not going to tell you to go somewhere else. They are never going to make money if they send business away.

If you walk into a Mazda dealer and you start talking about how much Ford means to you and you love Ford products and it becomes really obvious to them that you are going to have a significantly better life if you buy a Ford, they will NEVER say, “I don’t think a Mazda is the right car for you.” As a salesperson, that is possibly the worst thing you can do for your career. They will instead try their best to change your mind and fit your desires into their available range of products.

Darryl started his company You & Yours Financial so that he could provide truly unbiased advice. He is not at all interested in forcing you into a box so that you fit the financial product he sells. He doesn’t sell financial products at all. A quick glance at Darryl’s Twitter feed and you can see that he has no patience for the financial BS that’s out there.

Darryl is only interested in providing you with a completely unbiased opinion and an investment solution that is truly right for you.

Darryl joined me in the studio in Hamilton to share his personal finance story.

NEXT EPISODE

94 - Joe Saul-Sehy


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92 - Kelley Keehn

July 25th, 2019

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Kelley Keehn wants you to feel good about your money.

To feel good about your money, you have to educate yourself, ideally as early as possible.

Before you sign up for a credit card, read a ton about credit cards and how they work.

Before you buy a house or a condo, listen to podcasts about the pros and cons of buying real estate.

There are so many personal finance resources out there today, and people like Kelley, who are dedicated to educating people about money.

Kelley has written 9 books and has a 10th on the way called Talk Money To Me, which will be published in December 2019.

When Kelley was younger, she didn’t have the personal finance resources that we have today. She had to learn about money through trial and error.

Today, Kelley spends a lot of her time trying to change people’s thinking about money so that they don’t fall into the same traps that she did.

Kelley joined me from Edmonton, Alberta to share her personal finance story.

NEXT EPISODE

93 - Darryl Brown


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91 - Robert Brown

July 18th, 2019

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Robert Brown wants you to not be afraid of a little hard work.

Robert grew up on a dairy farm. His father worked the farm while also working a full-time job at General Motors.

Robert learned about working for money early and also about patience and delayed gratification.

There are a lot of things that we buy today with borrowed money that we could easily put off until we have money in the bank, and we might even get a better deal if we wait.

Robert realized over time that many Canadians hadn’t learned what he did on the farm and as a result they were spending money before they earned it, and doing things like buying houses they actually couldn’t afford. They didn’t understand the concept of compound interest or how to save for the future while still being able to live a comfortable life today.

After over 25 years of working in the restaurant and food service industries, Robert decided to write a book about personal finance. He would write it in a way that Canadians would understand.

The book he wrote is called Wealthing Like Rabbits and it’s now a Canadian bestseller.

Robert joined me from Ajax, Ontario to share his personal finance story.

NEXT EPISODE

92 - Kelley Keehn


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90 - Sonya Smith-Valentine

July 11th, 2019

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Sonya Smith-Valentine wants you to be Financially Fierce.

Sonya has an accounting degree and a law degree.

She is a CPA and a lawyer, and has worked professionally as both.

Sonya has worked for legal aid in New York and Maryland, and later started a law practice specializing in Consumer Debt and Bankruptcy, winning cases against credit bureaus, credit card companies, banks, and collection agencies for unlawful activity.

Today, Sonya is a Financial Confidence Expert and as President and CEO of Financially Fierce, LLC her mission is to improve the financial acumen of employees and managers to create financially savvy and highly productive workplaces.

Sonya joined me from the Maryland/DC area to share her personal finance story.

NEXT EPISODE

91 - Robert Brown


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Click here to become a patron of The Personal Finance Show via Patreon


To register for my next available personal finance webinar click here.