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.

82 - Sandi Martin

May 16th, 2019


Sandi Martin wants someone giving financial advice to be paid by the person who’s receiving financial advice. And the someone giving financial advice should be paid a fee for the financial services they provide.

Sandi worked at a bank for years and her job was to sell the bank’s products.

When people came to her office to ask for financial advice, they didn’t have to pay her anything. The bank paid her. She worked for the bank and not for the people asking for advice. The bank would be happy if the people who came into Sandi’s office purchased one of the bank’s products before they left, and Sandi would be considered a success if she sold as many bank products as she could.

A lot of the time, the products at the bank were not the best products for the people who walked into her office. They weren’t terrible products, but they weren’t the right fit for some of the people. But she couldn’t recommend anything else because she would have lost her job at the bank.

The more she found out about the variety of financial products that existed, she realized that a lot of the best ones for the people who walked into her office at the bank existed outside of the bank.

So she left and created her own financial planning company, which is now called Spring Financial Planning.

She decided she wasn’t going to sell financial products at all.

She would talk to people and find out what they need to achieve their financial goals.

They would pay her a fee to help them make a financial plan that wasn’t tied to any financial products.

When the plan was done and they asked her how they should invest their money in a way that aligned with the goals in their plan, she could point them to a variety of suitable products that they could get from a variety of places. And they would be suitable for her clients because they would help them achieve their financial goals, not because she was getting paid to sell them.

Sandi Martin joined me from somewhere in the middle of the province of Ontario to tell her personal finance story.


83 - Ed Rempel



81 - Janine Rogan

May 9th, 2019


Janine Rogan wants you to know that no one is born with an understanding of personal finance.

Janine got pretty good at making money early. Queen of the side hustle, they called her.

But somehow her bank account was always empty and her credit cards were always maxed.

This is, unfortunately, not uncommon in our society.

Making good money, but somehow the money disappears. Some people tell me this like it’s some kind of unsolveable mystery.

Luckily for Janine, she had a friend who pointed her to the world of personal finance books and blogs, and she was hooked after that.

Today you can find Janine’s personal finance writing all over the internet.

Janine joined me from Calgary, Alberta to share her personal finance story.


82 - Sandi Martin


80 - Michael Kruse

May 2nd, 2019


Michael Kruse wants you to not be afraid of changing your career.

We usually go to school for one thing. One field of study. One industry. Then we work hard to find jobs and build experience in that industry. We become experts. After 10 or 15 years we become well known for doing one thing very well.

Maybe you’ve been in the same job or industry for that long and you’re totally fine. You’re paid well, you enjoy the work - there’s no reason to move on.

After 10 years working as a lighting designer in the world of Canadian theatre, Michael Kruse wasn’t fine. Among other issues, he couldn’t see himself ever reaching a comfortable retirement or financial independence making the money he was making.

So in his early thirties, Michael left his long career in theatre and decided he was going to pursue something completely different...he was going to become a paramedic.

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


81 - Janine Rogan