Explorez tous les épisodes du podcast Miss Findependent
| Titre | Date | Durée | |
|---|---|---|---|
| Pay Rent, Get Rewarded - with Liza Akhvledziani, Co-Founder of Chexy | 31 Jan 2024 | 01:02:14 | |
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, and then went on to lead Finance and Strategy at Square, the payment processor, for the Canadian market. In this episode, we dive into her journey from being an international student to raising $1.5 million for her first startup.
👉 Learn more about Chexy: https://www.chexy.co/
Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| Navigating Loss: Lessons From My Grandpa & Estate Planning Explained | 10 Jan 2024 | 00:33:38 | |
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 impacted mine. He was a resilient man born in post-World War II Russia, overcame immense adversity, losing his career and personal brand during a turbulent time. His journey, from a physicist to a self-taught coder and eventually a wise investor, left an indelible mark on my financial mindset. Join me as I share his inspiring story, emphasizing the power of starting anew at any stage in life.
As the episode unfolds, I guide you through the intricate process of handling finances after a loved one's passing. Explore the critical documents needed, navigate through legal and tax considerations, and gain insights into probate taxes and estate planning. Whether you're a parent considering an RESP or someone facing the complexities of managing an estate, this episode provides valuable information and actionable advice. | |||
| Andrew Sarna Reveals How Ultra-High-Net-Worth Individuals Invest Their Money | 03 Jan 2024 | 00:48:11 | |
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, Credit managers, Absolute Return managers, etc. Prior to joining Forthlane, Andrew began his career at the Kraft Heinz Company under 3G Capital, where he was the finance lead in Canada for logistics, supply chain losses and working capital. Andrew is a CFA Charterholder, holds an HBA from the Ivey Business School, and a Bachelor of Engineering Science with a specialization in Integrated Engineering from Western University. He graduated from both programs with Honours. He's also the creator of one of my favourite ways to keep a pulse on the market, a daily newsletter called Off the Charts. Globe and Mail Article: https://archive.ph/AOXdY#selection-2067.0-2067.106 Andrew Henderson with Rick Rubin: https://podcasts.apple.com/us/podcast/andrew-henderson/id1671669052?i=1000619346243 | |||
| The First Home Savings Account (FHSA) Explained - How to Save for Home Ownership in Canada | 26 Apr 2023 | 00:32:47 | |
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: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| How to Plan a Destination Wedding | 15 Mar 2023 | 00:33:25 | |
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 important to take things one step at a time and not rush into any decisions. One thing that has been a challenge is keeping costs under control. However, I've found that being creative and resourceful has helped me to stick to my budget without compromising on quality. I'll be sharing some of my tips and tricks in this episode. Planning a destination wedding has been an emotional journey filled with ups and downs. But with the big day a few months out, I'm excited to share my thoughts and feelings about the whole experience with you. Whether you're planning a wedding or just love a good story, I'm sure you'll enjoy listening to my experience. So, grab a cup of coffee, go for a walk, and tune in! ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| 7 Trailblazing Women You've Probably Never Heard Of Before | 08 Mar 2023 | 00:30:02 | |
This episode honours and celebrate some of the amazing, trailblazing women that have come before us, and radically transformed life as we know it.
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 highlight the stories of: ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| AMA Mini Episode - “What AMEX Card is The Best in Canada?” | 07 Mar 2023 | 00:13:26 | |
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:
Get 100,000 MR Points By Signing Up Through My Referral ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| "Do I Need a Prenup?" With Award Winning Lawyer and Educator Jessica Wu | 01 Mar 2023 | 00:39:40 | |
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 you're considering a prenup or simply curious about their role in modern relationships, this conversation offers valuable insights from an experienced legal professional. She’s also an experienced barrister, and seasoned solicitor. She’s worked with the Department of Justice Canada, the Women’s Legal Education and Action Fund, and the Ontario Ministry of the Attorney General. She has litigated and matters before the Superior Court of Justice, the Superior Court of Justice Unified Family Court, and the Ontario Court of Justice. She has also presented at the Ontario Court of Appeal. I hope you enjoy this conversation where we get into the details of what a marriage contract or what’s commonly known as a prenuptial agreement or a prenup, is, and why you might want to consider entering one.
Connect with Jessica Wu on Instagram Connect with PrenupClub on Instagram | |||
| AMA Mini Episode - “How Can I Retire Early?” | 27 Feb 2023 | 00:08:23 | |
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. ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| My Plan to FI/RE - Financial Independence, Retire Early | 22 Feb 2023 | 00:42:58 | |
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 this episode I dive into the FI/RE movement. Heard of it? It’s a movement of young people focused on becoming financially independent and retiring early. Some people plan to do this by 30, with Lean FIRE… but I’m not trying to live off microwaveable ramen for the next 5 years in order to cut expenses. I explain the different types of FIRE and how increasing your income and building strong investing goals can help you become work optional sooner. Here’s more of what I get into: 2:05 - How to stop procrastinating 5:00 - When I discovered FI/RE 10:37 - The FI/RE Movement 25:51 - How to calculate your FI/RE number 29:36 - BRRRR Strategy ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| WTF Happened to FTX?! | 01 Dec 2022 | 00:37:03 | |
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 belief in altruism. Some say philanthropist. I say fraudster. SBF single handedly loses his fortune of $17.2 Billion, declares a chapter 11 bankruptcy, and causes thousands of people to lose not only their hard earned money, but also their faith in crypto. In case you haven’t heard of SBF - Sam Bankman-Fried is an entrepreneur and former founder/CEO of FTX, FTX.US, and Alameda Research, but if this story is the titanic, this is just the tip of the iceberg. Here’s what we get into in detail: 1:55 - Who is Sam Bankman-Fried 5:14 - Arbitrage 6:53 - How does SBF become a Billionaire? 9:00 - Scaling FTX 14:20 - The Bahamas 15:40 - The Downfall of FTX 25:35 - The Residual Impact 31:33 - SBF Political Involvement ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| The SECRET BENEFITS of Credit Cards Most People Don’t Know About | 03 Nov 2022 | 00:34:53 | |
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 common types of benefits that most people don’t know about. Here’s what I get into in detail: 5:27 - How do you choose the right card? 6:30 - Student Cards 7:02 - Business Cards 7:18 - Store Cards 10:12 - Cash Back Cards 12:36 - Travel Cards 17:32 - Rewards Cards 25:11 - Rental Car Insurance 26:35 - Mobile Device Insurance 28:32 - Purchase Insurance 31:22 - Airport Lounges ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| Housing Affordability and Buying vs. Renting in Different Markets | 26 Oct 2022 | 00:36:03 | |
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, but if buying is out of reach, or you’re living in a highly overvalued market, renting and investing the difference, when done strategically can pay massive dividends… literally, like if you invest an amount equal to a downpayment in dividend paying stocks. There’s a lot of costs associated with buying outside just saving for a downpayment. There’s mortgage payments, transaction costs, interest…. In this episode I break down common misconceptions, and quantify exactly what the criteria is to be approved for a mortgage. I break down how to save for a downpayment, how long it’ll take in specific markets assuming you are saving 10% of your income monthly. I dive into different scenarios and show you where it makes more financial sense to rent vs. buy, and how to run the calculations. Here’s what I get into: 4:53 - Rent vs. buying situations 10:00 - How to save for a downpayment 11:52 - How mortgages are calculated 17:28 - GDS and TDS ratios 26:07 - Building Equity 27:46 - Price-to-Rent ratio 33:43 - Opportunity cost ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| SingleKey Founder Viler Lika on Knowing Your Rights as a Landlord or Tenant | 12 Oct 2022 | 00:53:51 | |
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. It’s an incredible platform and Viler has so much insight into the rental market, stemming from his daily conversations with customers. He’s incredibly in-tune with challenges both landlords and tenants face, and that’s mainly what we dive into here. A little bit about Viler… he holds an MBA from Ivey Business School and a computer engineering degree from the University of Toronto. Prior to Single Key, he led a data science team at TD bank in consumer credit, and started his career in Credit Risk at Capital One. He is an experienced entrepreneur having successfully founded and exited a previous company. Viler is passionate about innovation in the financial sector and the disrupting power of FinTech. Here’s what we get into: 2:20 - What’s Going on In The Rental Market 10:42 - Defining Proptech 12:03 - How SingleKey Started 17:04 - Rent Guarantee for Landlords 21:48 - Landlord Fraud 27:29 - Know Your Rights as a Tenant 38:40 - Standard Rent Agreements 47:41 - Adding Supply To the Market 49:06 - Pay Rent and Build Credit History with SingleKey Connect with Viler:
Learn More on SingleKey's Website Connect with SingleKey on Instagram ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| Alyssa Atkins Spills the Shocking Truth on How to Find FERTILITY FREEDOM | 05 Oct 2022 | 00:57:32 | |
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 the dating math.
“If I want to grow my career, scale my business, achieve XX by XX date… I need to find my husband by XX, get married by XX, have baby #1 by XX.”
As women, questions around fertility are some of our most common sources of stress. Everybody usually means well, but asking a woman when she’s planning to have kids, when she’s not fully ready is frustrating to hear, to say the least.
One of my favorite Alyssa quotes from the episode: “Society is still very prescriptive in the sense that we are expected to: go to school, graduate, get a job, get married, and then have kids. That’s just not how it works anymore. Women are more discerning in their partners, we’re focusing on our careers, and taking more time… and our biology has not caught up.”
The incredible thing is… there’s a solution to this pain and frustration that buys an immense feeling of FREEDOM and peace of mind.
It’s called egg freezing, or embryo freezing, and I’m currently in the process of doing both.
Alyssa and I get into the nitty gritty details of how both processes work, the costs, and how egg freezing can benefit entrepreneurial, goal-oriented women, by giving them TIME to do the things they want.
Here’s more of what we get into: 1:56 - How Lilia Was Born 9:37 - Rewiring The Narrative 11:21 - Why Alyssa Left Her Job to Grow Lilia 16:56 - Going After Venture Capital 21:23 - Egg Freezing For Entrepreneurial Women 26:15 - Why I Decided To Freeze My Eggs 29:00 - The Shocking Truth About Fertility 37:20 - The Steps and Costs 44:26 - Eggs vs. Embryos 49:39 - Why Lilia
Connect with Alyssa: Connect with Alyssa on Instagram Connect with Alyssa on Twitter
Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| Mastering Communication With Others | 14 Sep 2022 | 00:27:15 | |
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 you become impeccable with your word and deliver your message with ease and clarity. Here’s what I get into in detail: 5:40 - The Key is Luv 13:10 - The 4 People You’ll Meet 22:08 - Dealing with Social Anxiety 22:49 - Body Language 24:56 - Mastering Your Emotions DISC Personality Test: https://www.123test.com/disc-personality-test/
Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| The Easiest Financial (Skincare) Routine | 07 Sep 2022 | 00:45:07 | |
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 body. But your financial systems are equally if not, more important. They’re what set you up for success, or add unnecessary financial stress that causes you to age prematurely. And nobody. Nobody. Needs unnecessary wrinkles. We’re trying to age with grace here. With grace, and with a FAT retirement account. When it comes to skincare, I’m a pretty lazy person. In fact on a daily basis I only use a few products (cleanser, moisturizer, SPF, and sometimes, when I’m not super lazy, eye cream). But on a weekly basis (or monthly), let’s be real. I add in a few extra things, like exfoliant and serums that keep me looking glow-y. So… are you ready for your financial glow up? Here’s the secret: 8:46 - Step 1: Cleanser 16:52 - Step 2: Exfoliating 21:38 - Step 3: Toner 26:15 - Step 4: Eye Cream 33:45 - Step 5: Moisturizer 37:10 - Step 6: SPF 41:05 - Step 7: Facials Huberman Lab Episode: https://open.spotify.com/episode/2ebY3WNejLNbK47emgjd1E?si=f232f2ae099b4a7c ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| How To Avoid The Most Common Financial Scams | 20 Jul 2022 | 00:30:28 | |
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 reminder - I will never DM you on any platform asking you how your trading is doing, or to ask you for money. I only ever ask my fiance for money, and even that’s in the rare instance when I need to get my nails done and don’t have cash on hand. In this episode I go over how to avoid falling into the trap of being taken advantage of financially. I bring to light the most common types of scams and teach you how to point them out. Here’s what I get into in detail: 2:15 - Why scammers love social media 7:38 - Investing in Gold 12:32 - Crypto Scams 15:41 - Binary Options 19:08 - Forex Scams 22:26 - Pump & Dump Schemes 25:50 - Retirement Savings Unlocking Scheme ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| How to Choose a Robo-Advisor, comparing Wealthsimple, RBC Invest Ease, BMO Smartfolio, and Questrade | 07 Jul 2022 | 00:38:48 | |
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 and compare the top 4 robo-advisors in Canada. Here’s what I get into: 3:25 - Where did Robo-Advisors come from? 5:50 - How Robo-Advisors work 8:45 - Why use a Robo-Advisor 11:20 - What do Robo-Advisors invest in? 14:15 - Benefits of using a robo-advisor 25:20 - Comparing robo-advisors in Canada ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| How to Design a Scroll Stopping Airbnb with The KarWells | 22 Jun 2022 | 00:37:28 | |
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.
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! SuperHost Labs - Part 2 Coming Soon Learn more: Short Term Rentals 101
✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| Learn How To Take Risks and How I Almost Lost $80K on Inventory | 18 May 2022 | 00:26:35 | |
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 and manage uncertainty. I also explain how to take risks to exit a business or situation that isn’t serving you and how you know when the right time to quit is. Winners quit all the time… they just quit at the right things. Here’s more of what I get into: 2:57 - Find Your Why 5:00 - Start Small 9:57 - Know Your Business (or the situation) In and Out 15:33 - Fear Setting 19:16 - The Dip 22:51 - The Cul-De-Sac 24:09 - The Cliff Get $50 When you Sign Up For Wealthsimple ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| WTF Do I Do During a Recession? | 11 May 2022 | 00:25:55 | |
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.
1:33 - How inflation is affecting prices 4:18 - State of the job market 7:02 - Interest rates & the Fed 9:24 - WTF is the Yield Curve 11:07 - Taking a snapshot of your finances 13:43 - Dealing with market volatility 15:24 - Career opportunities and levelling up your skill set 16:04 - Good debt vs. bad debt 18:48 - Boosting your credit score 20:21 - Importance of saving 22:40 - Recession proofing your investments
Hope you enjoy this one. Free Intro To Investing Workshop Spots are Limited. Make Sure You Sign Up!! ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| How to Make $200K/year working in Tech Sales | 04 May 2022 | 00:52:43 | |
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 friends and we actually met in my condo elevator almost 5 years ago. He referred me to my first sales job, and has drastically changed the trajectory of my life. In this episode we talk about how tech sales has the ability to open countless doors and set someone up for success. Here’s more of what we get into: 4:15 - What’s a BDR? 9:00 - How to Break into Tech Sales 16:30 - Pros and Cons of working in Sales 28:26 - The Worst Sales Call 31:34 - How Sales Opens Doors
✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| How to Be a 7 Figure Amazon FBA Wholesale Seller with Mike Sieben | 27 Apr 2022 | 00:18:22 | |
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 Wholesale 10:57 - The Future of Amazon
Instagram: @mmsieben Youtube: TheMikeSieben Learn more about Elite Wholesale ✩ CONNECT WITH ME: ✩ Instagram: @missfindependent TikTok: @nikafarb Learn more at missfindependent.com For contact or business inquiries: media@missfindependent.com | |||
| Let's Talk Mortgages with Gina Judge - Millennial Money Guide | 02 Mar 2022 | 00:37:33 | |
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, an award that recognizes 100 of the Most Powerful Women in Canada.
3:13 - Common Misconceptions about Mortgages 5:55 - What is a Mortgage 9:50 - HELOCs 11:50 - Interest Rates 23:03 - Why Work with a Mortgage Broker 27:16 - Should You Buy Property with a Friend? 31:15 - Should I Pay Off My Mortgage Early
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| RRSP Loan Strategy and RRSP Secrets | 24 Feb 2022 | 00:24:57 | |
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-traditionally using an RRSP. Here’s what I get into: 2:36 - What is an RRSP? 4:10 - Relying on a Canadian Pension 7:17 - Benefits of Contributing to an RRSP 10:25 - Contribution Limits 11:04 - What you Can Hold in your RRSP 13:10 - RRSP Loan Strategy
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| Index Funds vs. ETFs | 16 Feb 2022 | 00:20:28 | |
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 Advisors 15:27 - TD E-Series 16:47 - ETFs 17:45 - Buying American ETFS It would mean the world to me if you left me a review on whatever platform you're listening on
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| NFTs and Web 3.0 for Hot Girls with Kayla Trivieri | 09 Feb 2022 | 00:52:20 | |
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 stereotype that it’s only nerdy men who work in tech. There are so many opportunities for women to step into the field – any girl is a hot girl, and they should feel empowered and welcomed into this space. Here’s what we get into. ✩ SOCIALS: ✩ | |||
| Managing Finances as a Couple | 04 Feb 2022 | 00:25:35 | |
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: ✩ SOCIALS: ✩ | |||
| Easy Passive Income Ideas for 2022 | 26 Jan 2022 | 00:20:44 | |
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 that you make at your job, is the only source of income you can have. The idea that earned income will make you financially successful is wrong. It’s just not the case in our day and age. It is really difficult to become a homeowner with just your salary alone. I’m based in Toronto, and our real estate market is crazy, but that’s the case in almost every big city in North America and in a lot of places in Europe too. Salaries are not rising with the rate of inflation, home prices are skyrocketing. So if you want more out of life you’ve got to do more. It’s just a simple as that. And no I’m not romanticizing hustle culture and telling you you gotta work every day, actually what I get into in this episode is actually the opposite of that. Here’s a breakdown of what to expect: 0:38 - Common Misconception 3:47 - Earned vs. Passive Income 4:47 - Profit 7:17 - Affiliate Marketing 10:49 - Capital Gains 11:42 - Dividend Income 15:19 - Rental Income 17:39 - Staking Crypto 18:54 - Private Lending ✩ SOCIALS: ✩ instagram: @missfindependent TikTok: @nikafarb For contact or business inquiries: media@missfindependent.com | |||
| Crypto and Taxes (For Canadians) with Laura Wilson | 19 Jan 2022 | 00:33:49 | |
Thinking about how you’re going to file taxes this year? If you bought, traded, gifted, or mined crypto this year, it’s going to affect how you file your taxes. Here are all the things you need to know. For this episode I’m joined by Laura Wilson, founder of Wilson Tax Solutions, who has over 10 years of experience doing Canadian personal taxes. She loves educating people on how our tax system works and how to maximize their tax savings. She also loves Disney parks and has a borderline obsession with Frank’s Red Hot Sauce. The complexity in this episode is on a dial setting. We start off explaining basic tax education and how to prepare yourself if it’s your first time filing taxes and explore some best practices to get a higher tax return. Then we turn the dial up, and look at what’s considered a taxable event when it comes to crypto Here’s what we dive into: 1:22 - Laura’s Journey 7:18 - How Can I Get a Higher Tax Return 9:07 - Wedding Tax Hack 12:25 - How to Work Abroad 17:24 - What Makes an Investment Realized 19:30 - What’s Considered a Taxable Event with Crypto 27:17 - Staking Cryptocurrencies 28:46 - Crypto Mining Tax Implications ________ Connect with Laura: Instagram: @wilsontaxsolutions TikTok: @wilsontaxsolutions For contact or business inquiries: wilsontaxsolutions@gmail.com
✩ SOCIALS: ✩ instagram: @missfindependent TikTok: @nikafarb For contact or business inquiries: media@missfindependent.com | |||
| What are NFTs? Explained Simply | 12 Jan 2022 | 00:18:52 | |
At this point we’ve probably all heard this acronym, but WTF is an NFT? It’s taken me a while to put together this episode because I’ve been active in communities, learning from pioneers in this space, and forming my own opinions about this topic. Bottom line. It’s not just a JPEG you can right click and save. From smart contract applications to mortgages, to concert tickets, to getting royalties for supporting your favourite artists, there are countless different ways this tech is going to impact our future society. NFTs are like the Printing Press 2.0. Here’s what I get into in this episode. 1:01 - The Printing Press 2:23 - NFTs Explained Like I’m Five 4:01 - Royalties and Music 8:30 - Trading NFTs 10:21 - Companies investing in NFTs 12:59 - Smart Contracts 16:50 - Problems In This Space Also see: Everything You Need To Know About Crypto in 2022 ✩ Connect With Me: ✩ Instagram: @missfindependent TikTok: @nikafarb For contact or business inquiries: media@missfindependent.com | |||
| Behind the Scenes of Being an Influencer with Jetlaggedlovers | 05 Jan 2022 | 01:14:36 | |
If you’ve ever wondered how influencers make money, what the day in a life of a content creator is like, and if this is a path for you, you definitely want to check this one out, and listen until the end, because there are some gems dropped. For the first episode of this new season I sit down for a conversation with Kat, past competitive skater, and the founder of Jetlagged Lovers. You can follow her on Instagram and Tik Tok @Jetlaggedlovers and check out her Youtube Channel as well. Yes. You've probably seen her skating videos. Jetlagged lovers was a blog Kat started to share her love for travel and photography, and quickly evolved into a massive fashion, travel, skating and lifestyle brand. At the time of recording, Kat has over 1.2 M followers on Tik Tok and has grown this massive audience organically through sharing her authentic self. Here's what we get into: 2:45 - Kat’s Journey 8:48 - Falling Back in Love with Skating 10:32 - What Kept Her Motivated 13:41 - How to Get Over Fear 25:52 - Income Streams for Creators 34:30 - A Day in the Life of a Creator 36:15 - How to Reach Out to Brands 43:54 - Social Media Trends 51:51 - How to Reach Out to Creators as a Business | |||
| New Year Reflections | 29 Dec 2021 | 00:17:51 | |
This episode is all about reflection prompts. First we focus on fostering some gratitude for everything you’ve accomplished or worked on to date. I ask you to think about what’s held you back, help you visualize your fullest self, and ask you to consider where you want to go next year. If you can, try not to listen to this episode while you’re on the go. Save this one for when you can sit down, and be still with your thoughts. Grab a notebook, and a pen, and feel free to pause me as we go.
______ A reflection episode wouldn't be complete without a Miss Findependent 2021 Wrapped.
The top most listened to episodes in order were: Let's talk Real Estate, Diving into ARKK ETFs with Cathie Woods, How to make $73K/year in Dividend Paying Stocks, and Let’s talk Bitcoin. So those are areas I’m going to focus on in 2022. I heard you loud and clear. More real estate. More Growth stocks. More Crypto. And more focus on entrepreneurship. To all my listeners - I’m so grateful to have be here with you guys, to share these resources with you, and to help you build the toolkit to go out and build generational wealth. Believe me. I’m only getting started. __ Let me start by asking you - what are 3 things you’re grateful for. List them out on your piece of paper right now. Now what are you MOST PROUD Of? It could be a work accomplishment, a big decision you made, a pivot into a more fulfilling career. A mindset shift. The decision to learn more and help educate yourself financially. Starting a new business. I’m going to give you some reflection prompts. In 2021 I struggled the most with .... What were the biggest gifts, blessings and lessons? List them out as 3 separate categories. Blessing - Lessons - What are you releasing in 2021? What do you want to let go of? Before we go into planning for next year. I want to help you Reflect on the Money in Your Life. Write down how much you’ve saved this year. How much have you added to your investment accounts? How much have you paid off your debt? What were your best performing investments this year? Are you holding onto them, or do you want to take some profits? What were your worst performing investments. What are you going to do about them? Are you going to hold on to them? Now we’re going to focus on the New Year. I want you to write down 2 words that are going to define this new year for you. If you want to invite something new into your life this year. Ask yourself. What am I bringing in? Now I’m going to ask you some big questions. They don’t require big answers. What kind of legacy impact do I want in my life? What are my truest, truest principles. What’s one thing you’re striving for this year? What do you want to get absolutely clear on for next year? What does success look like for you in the upcoming year and how do you need to redefine your definition of success?
What creative projects do you want to bring into the world this upcoming year? Let go of uncertainty. Let go of anything that’s held you back this year.
The year is almost over. You get a brand new day tomorrow.
A new opportunity to start off on the right foot and go out there and make this beautiful life yours to discover. | |||
| Everything You Need To Know About Crypto in 2022 | 22 Dec 2021 | 01:02:36 | |
Cryptocurrencies were the best performing asset class of 2021. In this episode I break down why they're so attractive to investors and give you a crash course into EVERYTHING (and I mean everything) you need to know. Here's a breakdown of this episode: | |||
| Letting Go of Limiting Beliefs | 15 Dec 2021 | 00:24:55 | |
This episode is a little different from anything I've done on The Miss Findependent Show in the past. I talk about my experience exploring the realms of yoga and meditation, how they've lead me on a spiritual quest in the depth of the Andes mountains in Peru, and where the ideas of spirituality intersect with business. I have friends from all walks of life, artists, entrepreneurs, and a lot of fellow yoga teachers in my circle. One thing that people who aren't in the business world often ask me is how on earth these two worlds collide. A common misconception I hear is that the pursuit of "wealth" is not spiritual, and goes against spiritual practices. That's just plain wrong. Money itself is neither good nor bad, it's just a tool. Achieving a state of financial abundance, getting to a place where you are not worried about your day to day expenses, allows you to live in tune with your purpose and allows you to explore the pursuit of service. In this episode, I break down common limiting beliefs around money and help you rewire your thinking so you can pursue abundance and stop getting in your own way. Here's what I get into: 2:42 - Childhood Beliefs It would mean the world to me if you could leave me a review in the Podcast App. Reviews help my podcast reach more people and help me educate more people on how to invest and grow their money. https://www.amazon.ca/Diamond-Cutter-Buddha-Managing-Business/dp/038552868X
XX Nika | |||
| Cyclical Stocks and Sector Rotation | 08 Dec 2021 | 00:28:17 | |
Traditionally on The Miss Findependent Show, I talk about Index Funds and ETFs at length. I get it, these can get kind of boring, but if your portfolio is like a meal that you're cooking, the S&P 500 is like the (S)alt and (P)epper that's the base set of spices for most meals. Once you master how to work with the basics, you can start adding in more interesting flavours - like Garam Masala or Tarragon. I literally just learned how to cook with Tarragon. Fun fact - it goes great with Shrimp. The thing with this cooking analogy (which I'm really starting to like btw) is that we're not all cooking the same meals, and our skill levels and comfort levels are going to be so different. That's why I'll never tell you what to invest in, but simply educate you on how to build the perfect meal for you. With this episode, I want to share with investors, or soon-to be investors that stock picking can be very lucrative, but it's a lot more complex. To succeed, you need to have a solid understanding of portfolio balancing and how cyclical stocks perform. Here's what I get into: 2:09 - Risk Tolerance It would mean the world to me if you could leave me a review in the Podcast App. Reviews help my podcast reach more people and help me educate more people on how to invest and grow their money. Until next time. XX Nika | |||
| How I Saved $500 On My Holiday Shopping | 01 Dec 2021 | 00:18:57 | |
Sure Black Friday and Cyber Monday are great, but let's be real, how many of your BFCM purchases were actually for you and not for others? If you've still got a few people left to shop for this holiday season, tune in and learn some of the best shopping hacks I used to save just over $500 on my shopping this year. Breakdown: 1:44 - Tip 1 - Have a list, check it twice | |||
| The Supply Chain Crisis Explained | 24 Nov 2021 | 00:29:45 | |
After just renovating my house and experiencing major delays and increased costs due to supply chain impacts, I’m exhausted and ready for this to end. Unfortunately, with the huge backlog of containers waiting to be unloaded at the Port of Los Angeles, major mudslides closing down critical highways, and labor shortages, I don’t anticipate this crisis ending anytime soon. The good news is there’s lots of opportunity if you put your investor hat on. Learn about what’s happening at all points of the supply chain and where you can benefit from the mayhem. In this episode I breakdown: 1:35 - What is a Supply Chain 3:10 - The Root Cause 4:05 - What’s Happening Now 8:45 - The Container Shortage 11:35 - A Tik Tok Case Study 16:00 - Why Small Companies are Hit the Hardest 18:27 - Port of Los Angeles 21:30 - The Trucking Industry 24:40 - Put Your Investor Hat On | |||
| Pay off Debt, Save, or Invest? | 11 Nov 2021 | 00:40:11 | |
Let's talk about Bermuda's Triangle: Saving, Investing, and Paying off Debt. Which comes first... The answer, like most things in life is, it's complicated. Having debt can be emotionally taxing on the body. It can put you under a significant amount of mental stress, and can even lead to physical affects on the body. While we can't help you deal with financial stress (that's something a good yoga class might help with though) we can help you arm yourself with knowledge so you have a plan for tackling your debt. The good news - most people have some kind of debt. Debt doesn't always have to be a bad thing. Leveraging debt can unlock a wide array of opportunities for you, and understanding how to use debt properly, can be a tool you never knew you had. What we get into: 1:15 - Everyone Has Debt | |||
| How to Scale an E-Commerce Business | 02 Sep 2021 | 00:44:53 | |
Have you ever thought about starting an e-commerce business but don't know where to start? In this episode we break down the upfront costs that are required to build an e-commerce business and what you need to get a business off the ground and scale. Here's what we dive into in detail: 2:08 - E-commerce vs. Physical enterprise | |||
| Negotiating Your Salary | 26 Aug 2021 | 00:36:57 | |
In this episode we get into: 1:30 - The Canadian Labour Market | |||
| Top 10 Investing Mistakes We've Made | 04 Aug 2021 | 00:42:11 | |
In this episode we dive into our past investing mistakes and common mistakes we've seen people make. We re-enact how/why we made decisions that didn't serve us, and how they played out in reality. | |||
| How to Live in Your House For Free | 29 Jul 2021 | 00:39:28 | |
In this episode: 1:35 - Nika goes over the process she went through to purchase the property | |||
| VCs - The World's Least Well Known Ponzi Scheme | 21 Jul 2021 | 00:35:10 | |
Season 2 baby!! Let's goo. We kick off season 2 with a heated discussion about venture capital and the impact that it has for retail investors like you an I. Now-a-days it seems like companies left and right are getting funded, and often, the companies true value to the world is ignored. In this episode we dive deep into how VC firms operate, and ultimately make money. Venture capital (VC) is a form of private equity and a type of financing that investors provide to startup companies and small businesses that are believed to have long-term growth potential. Venture capital generally comes from well-off investors, investment banks, and any other financial institutions. | |||
| Scarcity vs. Abundance Mindset | 15 Jul 2021 | 00:37:20 | |
What we dive into: | |||
| How to Control Your Emotions During Market Volatility | 02 Jun 2021 | 00:30:46 | |
Investing and trading are two entirely different strategies and ways to approach the stock market. In this episode we get into how to control your emotions and provide actionable tips for making rational decisions. What we get into: | |||
| Starting your Side Hustle | 26 May 2021 | 00:35:26 | |
In this episode, Katie and Nika are joined by no guest. That's right, we're back to typical Nika-Katie banter with sprinkles of educational tid bits regarding starting your own business. This is the first part of a longer series we are going to do on side hustles. What we dive into: | |||
| Exploring the Toronto Real Estate Market with Arthur Furs | 20 May 2021 | 00:49:08 | |
Arthur began his career as the head of the in house marketing department at C21 Atria and since then he has transitioned into Real Estate where he has received numerous awards such as being named one of Century 21 Atria’s youngest award winning agents in 2017. In addition, he co-founded the award winning Wolfpack team. His in-depth understanding of Marketing and Sales has earned him the recognition as the go-to content specialist, helping agents strategize and package their listings for success. Arthur’s passion for real estate is noticeable from his energetic, knowledgeable, and detail oriented approach when working for his clients. He is an expert in the differences between all styles of homes to aid his clients in locating property that best meets their needs. Providing a modern and efficient approach combined with an honest and strategic planning process, Arthur ensures his clients are informed and comfortable every step of the way. In this episode we discuss: 4:00 - What type of market is it (buys or sellers). | |||
| How to Make $73K/year in Passive Dividend Income | 28 Apr 2021 | 00:29:59 | |
In this episode we break down how a $5000 initial investment + monthly contribution can create a portfolio worth $1.47 million and yield you a passive income of $73K/year after 30 years. What we get into: 0:48 - What are Dividends? | |||