Explore every episode of the podcast It's Personal Finance Canada

This week we want to look at how to build wealth, even when you don’t have any to start with. How to get out of survival mode, better understanding cashflow and more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week tackle the concept of savings rate and see what rate could be best for you. Plus we talk about how ability, willingness and time are the biggest factors in saving.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Useful Resources:

T Rowe Price article 1: https://www.troweprice.com/personal-investing/resources/insights/what-adjustments-should-i-make-my-retirement-savings.html

T Rowe Price article 2: https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-should-you-have-by-now.html

I’m just a strong and independent person that simply does what others tell me. This week we explore the book “Nudge – The Final Edition” by Richard Thaler and Cass Sunstein to see how others are making up our own minds. Learn how to protect your finances from the myriad of voices trying to lure you through sales funnels.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Why read something when you can just misquote it instead. This week we delve into the holy document of the FIRE movement, the Trinity study. What does this famous paper actually say and how has it been misrepresented in the personal finance community. Plus some tips to help you get the most out of the papers actual results.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Useful Resources:

The Trinity Study: https://www.aaii.com/files/pdf/6794_retirement-savings-choosing-a-withdrawal-rate-that-is-sustainable.pdf

This week we talk about a popular personal finance book Christine actually liked, “The Ultimate Retirement Guide for 50+” by Suze Orman. We lay out our top 10 favorite parts of this book that you can apply to your own finances.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

This week we talk about the ins and outs of health and life insurance and see how we can pre-pay today to solves tomorrow's problems. What is Disability and Critical illness insurance, the difference between temp and permanent and how you can’t build a robust financial plan without insurance.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we track down some odd but helpful money\ saving tips to help out with your day to day spending. Everything from finding things for free, maximizing your grocery shopping and more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

I have a bad habit of putting the “pro” in procrastination. This week we talk about “The Procrastination Equation” by Piers Steel and see how procrastination is hurting your finances. Discover useful tips, ways to motivate yourself and how to fix everything with math.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we take a look at the work of Gary Selnow and see the top reasons people don’t save for retirement. Problems such as lack of instant gratification, no set structure, no accountability and more ways people are sabotaging their retirements, plus some solutions.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Motivating Retirement Planning: Problems and Solutions byGary Selnow -  https://repository.upenn.edu/server/api/core/bitstreams/4feb056b-e015-4422-9fa9-1efccd633b72/content

This week we find out how to take advantage of the money you got back from the government. What strategy is best depending on your income, how to balance risk and how to spend that found money wisely.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we talk about two common financial advice tips that if not done properly can leave you in a worse position than when you started. That’s right hot topics like borrowing to invest and maximizing your mortgage finally get put to the test.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we search for joy in the philosophy of Marie Kondo's book "The Life Changing Magic Of Tidying Up" and see how to set our financial house in order. See how organization, finding the true value in things and letting go of what we don’t need (bills don’t apply) can help you.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Knock, knock. Who’s there? Later. Later who? “Buy now pay later” that’s who! This week we come face to face with the everyone’s favorite frenemy, consumer debt. We talk about good debt vs bad debt, how to get out of the minimum payment cycle and how to start improving your reliance on credit.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we break down the “Financial Stress Index 2025” published by FP Canada. Get a clear picture of how poorly so many of us are doing and how deep the generational wealth and comfort divide is getting.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

FP Canada Financial Stress Index: https://www.fpcanada.ca/2025-financial-stress-index

Who’d a though personal finance is just personal development with budgeting? This week we continue our look at “The Seven Habits Of Highly Effective People” by Stephen R. Covey and see how we can better ourselves and our finances. Find out about win/win vs win/lose, relationship development and best of all a new Cam approved anagram.

⁠If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit ⁠⁠braunfinancial.com ⁠

DIY Investing at: ⁠https://get.modernadvisor.ca/braun-financial/⁠

Keep the conversation going on our Facebook Page and Group: ⁠https://www.facebook.com/itspersonalfinancecanada⁠

This week Christine talks about Stephen Covey’s book “The Seven Habits Of Highly Effective People,” and finds a way to apply it to our personal finances. Find out how circles, squares and private victories can make all the difference in your life.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Excuse me, I believe you have my stapler. This week we help you become a better and hopefully higher paid employee. What do bosses want, how to stand out, and what your true value is. Plus we reveal the greatest tip of all… being competent!

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

When you’re at the top there’s no one left to blame. This week we go over some key concepts to better help you run a small business. Everything from delegation, systems creation and maintaining your sanity.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

If advice is popular that means it’s right… right? This week we tackle 2 popular personal finance myths that might sound like a sure thing, but what works in a book doesn’t always work in reality.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Turns out the secret to happiness is painting Warhammer 40K figures and pretending the rest of the world doesn’t exist. This week we tackle the great existential question of how to find true value in your life. What brings happiness, what truly lasts a lifetime and where we should be spending our money.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com  

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

I’m getting too old for this… or am I? This week we talk about why people struggle to start their retirement. Concerns about the markets, what to do with their time or just the apprehension that always come right before a major life change.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Wait if it's balanced shouldn’t it be 50/50? This week we peel back the mystery of the 60/40 “Balanced” portfolio and find out not only why they’re so common but how they are built. Lean about the nuances of fixed income, what to look for in the equity side and how its all blended together.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Being rational is overrated. This week we review “Predictably Irrational: The Hidden Forces That Shape Our Decisions” by Dan Ariely and learn about why we keep making bad financial decisions. Find out what is anchoring, how we perceive value and how our own sense of perceived loss cripples our budgets.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

The show must go on. This week we push through the haze of sickness and talk about the little talked about parts of RRSP's, taking money out of it, both in working years and in retirement. Plus find out what you need to know to get what you need without too many surprises.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week it's time once again for our obligatory RRSP season episode for 2025! Find out what you need to know to make the most of your legal tax shenanigans before March 3.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visitbraunfinancial.com 

DIY Investing at:https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group:https://www.facebook.com/itspersonalfinancecanada

This week we tackle the idea that is less about age and more about the choices we make today to create a more stable tomorrow (is stable even an option anymore). Find out the difference between retirement age and being prepared for retirement plus much more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Turns out your boss was crazy after all. This we go over the some of the negative aspects of entrepreneurship and how it can challenge our mental health. What ailments are most common among business owners, how to better manage yourself and how to navigate dealing with an entrepreneur as a boss.   

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Springer - The prevalence and co-occurrence of psychiatric conditions among entrepreneurs and their families: https://link.springer.com/article/10.1007/s11187-018-0059-8

I’ve got a gut feeling I’m not listening to myself enough, meh, must just the pizza talking. This week we talk about the book “Anchored’ by Deb Dana and see how her view on polyvagal theory can help us better understand our own personal finances. What is the correlation between feeling safe vs spending, how to better regulate ourselves before a financial mishap and more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Retirement: noun, being too “tired” to deal with any of this. This week Christine goes through Tim Ferris’ The Four Hour and talks about how apply his principles to your retirement. Be it better cashflow, a mini pre-retirement and more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Step 1 listen to this podcast, steps 2-4 ?, Step 5 profit. This week we talk about our new streamlined financial planning process and how it can help you get your best start for 2025 (take that 20-24). Learn about the simple budget, protecting your assets and more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

As a kid I related to “A Christmas Story” but as I get older I find myself living in “Christmas Vacation.” This week we end the year and recap our most popular episodes of 2024, and expand on our best tips. Spoiler alert the most popular ones almost all have money in the title, who would of guessed that.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Obey… Consume… Subscribe. This week we talk about the power of following the herd and how it can impact your financial decisions. Why does your brain want you to fit in with others even when it means rejecting reality, and how we can mitigate the stresses that lead to bad choices. Sunglasses and bubble-gum not included.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

He’s checking his list, checking it twice, gonna find out whose bankrupt or nice. Santa Clause is coming to town. This week we check our personal finance check list one more time before the holidays. Hear about year end distribution on non-registered accounts, changes to capital gains, TFSA updates and more financial stocking stuffers.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we talk about the pros and cons of the First Home Savings plan and how it can work with other programs to help you buy your first major debt burden. When is an FHSA better than the RRSP Home Buyer plan, how much is really available and more ways to avoid the bank of mom and dad.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Gov website for FHSA: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html

I must not fear. Fear is the wallet-killer. Fear is the little debt that brings financial obliteration. I will face my fear and I will permit it to pass over me and through me. This week we learn how Tim Ferriss uses “Fear Setting” to help him take control of his life. Learn the simple strategy of Define, Prevent, Repair and avoid procrastination and failure in your own life.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Tim Ferriss Article/TED talk: https://tim.blog/2017/05/15/fear-setting/

Audio now fixed.

This week we give our opinion on a recent Globe & Mail article about the Fire movement and being inflation proof. The benefits of owning vs. renting, matching expenses to income sources and preparing for the future are the keys to financial success.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Globe & Mail Article: https://www.theglobeandmail.com/investing/personal-finance/retirement/article-yes-fire-is-inflation-proof-heres-how-not-buying-a-home-helps-shield/

What goes up must come down, except for taxes of course. This week we make sense of the most recent rate cut by Bank of Canada and what that means for your wallet. Plus we look at contributing factors such as recent GDP and inflation numbers to see how healthy our economy actually is.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Bank of Canada Press Release: https://www.bankofcanada.ca/2024/10/fad-press-release-2024-10-23/

And to my loved ones, “You get nothing, you loose, good day sir!” This week Christine shares valuable tips from a recent Estate Planning conference that she attended. Why are wills important, how to make life easier for beneficiaries and a host of different strategies to pass on wealth with less hassle.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

When I was young I played a computer game called “Lemmings,” little did I know then, it was a documentary. This week we talk about several ways investors follow others off the proverbial cliff into the gaping maw of the stock market. Perils such as selling at the bottom, timing the market, and miscalculating the role of human behavior all come with a great financial cost.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Turns out the story of the Tortoise and the Hare was about investing all along. This week we’ve collected some of the best advice from Warren Buffet and see if everyday people like us can also succeed in investing. Hear personal tips like investing in yourself and how all of that plays into building a mentality based on patience and properly understanding what your are investing in.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

My commitment to change is unchanging… or is my commitment to being unchanging changing? This week we explore several of the hurdles that keep us from making real progress with our personal finances. See  how procrastination, uncertainty, feelings of being overwhelmed and unwillingness to change keep us trapped in financial ruts and stop us from doing more with our lives.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

The more we spend together, together, the more we spend together,  the happier we will be! This week we conclude our two part look into combining your finances along with all of the pro’s and con’s involved. Find out what your common law status is, how to work towards a common goal, sharing economic benefits and some tax and investment advantages to help you get your relationship agreement renewed at the end of the year.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

There’s no “I” in team, but there is in bills, insolvency and failure. This week we start a 2 part series on the pros and cons of combining a couples finances. Learn about the money biases that come into relationships, how a lack of awareness can hold you back, and how working towards a goal together can strengthen your relationship.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

I am altering the pension. Pray I don't alter it any further. This week we talk about the continued roll out of changes to the Canada Pension Plan and how in 40 years you might get more money in retirement. Who qualifies for the best version of this plan, why is there now a two-tired structure and other useful facts about your government mandated forced savings plan that will “never” be used on public sector spending ever again.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

CPP Enhancement: https://www.canada.ca/en/revenue-agency/news/2023/05/the-canada-pension-plan-enhancement--businesses-individuals-and-self-employed-what-it-means-for-you.html

If two people and a film crew going through my closet can fix my life, why not go through my finances like that too. This week rummage through the proverbial closet and talk about Dave Ramsey’s book “Total Money Makeover” and see if his tips will help you be the belle of the ball or left outside in the rain. What tips can help us today, can his anecdotes apply to Canadians and how much of the book is just the same 7 steps told over and over again with a new cover page.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Reality is fluid, ever changing, all consuming force imposing its will on the world, unstoppable in all ways, except for one weakness, our expectations.  This week we conclude our retirement trilogy with a report from the Ontario Security Commission which shows how our expectations and the realities of retirement intersect, for better or worse. How do people really spend their time and money compared to what they expected and how will the next generation of retirees differ drastically from today.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Ontario Security Commission Report: https://www.osc.ca/sites/default/files/2024-01/inv-research_20240110_profiles-of-retirement.pdf

Retirement is just the culmination of all of the decisions we made during our working years…. uh oh! This week we talk about what happens when you wait until the last minute (or decade) to prepare for retirement, and how there is still hope for a decent retirement. It’s the battle of dedication vs expectation that will determine how you enjoy those golden years and what you get to do with your time.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Retirement planning is just figuring out how to pay the bills without working. This week we take inspiration from the book “ Pay Cheques and Play Cheques - Retirement income solutions for Canadians” by Tom Hegna, Robert Gawthrop & Steve Tate to figure out how to plan for the retirement we actually want. Learn to save for retirement like you do vacations, plan for enjoyment rather than only basic needs and more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Abandon what’s “it” and listen to some Starflyer 59 with Cam: https://open.spotify.com/album/2oOakkxl2l9CbB6IJPgYSx?si=U0rnJzlFRSShBoUtmFmobA OR https://www.youtube.com/watch?v=vNVYNxY5WpU&list=OLAK5uy_merPzi6aOTQKKmmBRPvADQZAD-KoRvSvA&index=1

I couldn’t think of a joke so I hired a consultant, now go sign up for my new joke subscription service, only $99.99 per month. This week we review “Accelerating out of the Great Recession” by David Rhodes and Daniel Stelter of Boston Consulting Group and see how they figured out everything after it has already happened. Find out how companies rise and fall during economic turmoil and how to spot those best positioned to recover and thrive faster than their competitors.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

Looking to start DIY Investing visit: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week Christine takes inspiration from a recent interview with economist & author of “A Map of the New Normal” Jeff Rubin and talks about what he sees as the future of the global economy. We talk about deglobalization, trade isolation, the return of the middle class, energy transition and the growing battle between cost and convenience that impacts our everyday purchases and plans.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Interview 1 with Jeff Rubin: https://www.cbc.ca/player/play/audio/9.4230642

Interview 2 with Jeff Rubin: https://calgary.ctvnews.ca/economist-jeff-rubin-offers-a-map-of-the-new-normal-1.6890357