Podcast The Canadian Money Roadmap by Evan Neufeld, CFP® Episodes

Explore every episode of the podcast The Canadian Money Roadmap

Dive into the complete episode list for The Canadian Money Roadmap. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.

	Title	Pub. Date	Duration
	Your kids can graduate university debt-free \| Feat. Jason Yee, CEO of GrantMe	28 Aug 2024	00:45:20
Watch this episode on YouTube In this episode of the Canadian Money Roadmap podcast, host Evan Neufeld chats with Jason Yee, the dynamic co-founder and CEO of GrantMe. Jason shares invaluable insights on how Canadian families can navigate their way to a debt-free university education for their children. From understanding the difference between grants, bursaries, and scholarships to the strategic timing of applications, Jason covers it all. Whether you’re a parent looking to ease the financial burden of your child’s education or a student preparing for the future, this conversation is packed with actionable advice. Tune in to learn how proactive planning and smart financial decisions can make higher education affordable and attainable. Don't miss this opportunity to hear from an expert who's helped thousands of students successfully graduate debt-free. Enjoy the discussion! 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	The Laws of Wealth with Dr. Daniel Crosby - Greatest Hits	15 Aug 2024	00:47:21
Join me as I revisit one of my most popular episodes ever on the Canadian Money Roadmap Podcast. In this special summer highlight, I delve into 'The Laws of Wealth' with Dr. Daniel Crosby. Dr. Crosby, a psychologist and behavioural finance expert, provides valuable insights into the psychology of money and how it shapes our financial decisions and behaviours. Whether you're a seasoned investor or just starting your financial journey, this episode is packed with actionable advice and fascinating discussions on becoming a better investor and managing risk. Tune in to learn from Dr. Crosby’s expertise and discover practical strategies to enhance your financial well-being. Don’t miss this chance to hear from one of the best in the field. Enjoy your summer and I'll see you with new episodes in September! 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Inefficiency is your friend...sometimes.	24 Apr 2024	00:16:57
Could the financial strategies that appear flawless on paper be leading us astray in the real world? We're peeling back the layers of investment principles to reveal why some inefficiencies might just be your portfolio's best friends. Taking a page from Morgan Housel's "Same as Ever: A Guide to What Never Changes," we delve into the unexpected virtues of financial buffers and the fallacy that cost always equates to value. Discover how the pandemic's strain on just-in-time manufacturing shines a light on the need for slack in our systems, and why the presence of an emergency fund during economic highs could save you during the lows. Plus, we discuss the underrated advantages of investment advisors, challenging the penny-pinching mindset to embrace quality that pays off in the long run. Then, we shift gears to a provocative study that upends conventional retirement planning wisdom—should you stockpile equities all the way to your golden years? We dissect the enticing, yet nerve-wracking notion of an all-equity portfolio and confront the harsh truths about our own risk tolerances and financial aspirations. It's not just about the potential gains; it's the psychological rollercoaster and the necessity for a tailored asset mix that fits like a glove. As I advocate for a well-rounded investment strategy, consider this your invitation to explore how aligning your portfolio with your personal narrative could be the smartest financial move you make. Join us as we navigate through the complexities of balancing risk and reward, and crafting a financial future that doesn't just look good on paper, but feels right in your gut. 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Should you rent or buy a home?	06 Apr 2022	00:23:06
EPISODE SUMMARY This episode won't be able to make the decision for you, but today Evan and Jordan offer some food for thought when making the choice on whether to rent or buy. Hopefully Evan and Jordan can help you be confident in your decision. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Why this is a relevant discussion in 2022 As house prices between more expensive, what are your options What factors should you consider for renting What factors should you consider for buying How do you compare the two options and make a decision RESOURCES MENTIONED Your city’s typical rent cost Your city’s average home price OTHER EPISODES 12. Buying a House Featuring Kindra Sowden 44. How to Help Your Kids Buy a Home If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Start planning for your next vacation	23 Mar 2022	00:18:40
EPISODE SUMMARY If you're thinking about a short getaway or a longer trip to relieve your cabin fever, start planning right away. In this episode, Jordan and Evan discuss ways that your vacation can go from a dream to a financial nightmare. The good news is that planning ahead with some of our tips will make sure that you can spend your vacation relaxing and having fun instead of worrying about your money. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Memorable vacations Planning for a vacation - things to consider Typical costs you might incur on a vacation Currency considerations Budget planning spreadsheet for your download RESOURCES MENTIONED Evan Neufeld Downloads - Vacation Planner Spreadsheet OTHER EPISODES 2. Credit Cards - Pros, Cons and Strategies 5. Budgeting for People Who Hate Budgeting 11. Money & Marriage - From the Sask Wedding Podcast w/ Matt Ramage If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Reduce your taxes with deductions and credits	09 Mar 2022	00:39:32
EPISODE SUMMARY On this episode we welcome back Luke Hergott, Senior Manager of tax services at EY. Luke brings a wealth of knowledge regarding tax so I would encourage you to listen to this episode prior to filing your return for this year. Build your financial plan with Evan ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Opportunities for tax planning as an employee vs business owner Defining deductions and credits Refundable vs non-refundable credits Understanding the deductions and credits that are available for you to access RESOURCES MENTIONED EY Tax Calculator and Rates OTHER EPISODES 7. Tax Basics and “The Next Bracket” Myth 14. How to File Your Taxes in 2021 Featuring Luke Hergott, CPA If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	How will the Russia-Ukraine conflict affect your strategy?	24 Feb 2022	00:08:19
EPISODE SUMMARY This episode deviates from the usual cadence but is timely given the conflict emerging today between Russia and Ukraine. Evan walks through some thoughts that he shared in an email update to his clients. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Living, and specifically investing, in “uncertain” times How the stock market has historically reacted to wars Typical mistakes to avoid during corrections and crashes Staying informed of world events, but with context How you can think of the conflict in light of your investment portfolio and retirement savings OTHER EPISODES 37. Dips, Corrections and Crashes 45. Why You Should Care About Rising Interest Rates 47. Guide to Recessions and Bear Markets If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Why do prices keep going up?	23 Feb 2022	00:30:16
EPISODE SUMMARY Inflation is the story of the day so in this episode, Jordan Arndt and Evan discuss some possible reasons why inflation is so bad right now and what we can do about it. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Inflation - how does it happen Slowing down inflation Central banks and monetary policy What can we actually do about it as investors and citizens OTHER EPISODES 27. Will you Have any Guaranteed Sources of Income in Retirement 45. Why you Should Care About Rising Interest Rates If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	The Perfect RRSP Strategy	09 Feb 2022	00:22:28
EPISODE SUMMARY Is it possible to have a perfect RRSP strategy? Well it depends.... In this episode, I'm joined by my colleague, Jordan Arndt, and we discuss the situations where an RRSP can provide the most value to you as a long-term investor. Build your financial plan with Evan ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE RRSP contribution deadline RRSP definition and details Options with your RRSP refund Determining whether the perfect RRSP strategy exists RESOURCES MENTIONED Government of Canada - RRSP Information EY Tax Calculator and Rates OTHER EPISODES 13. Is an RRSP the Best Choice for your Retirement Savings 25. Reduce Taxes with a Spousal RRSP 29. RRSP, LIRA, TFSA…Where do you Withdraw From First? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Dips, Corrections and Crashes	26 Jan 2022	00:15:45
EPISODE SUMMARY In this episode, Evan discusses what might be going on in the market when you see headlines mentioning dips, corrections, crashes, or bear markets. Declines in the market happen more frequently than you’d probably think, so Evan provides tips to successfully navigate declining stock markets. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Defining dips, corrections, crashes, and bear markets Clarifying how often these events occur and how they likely happen more often than you realize Tips to survive these types of market conditions Know that you aren’t alone during these types of market events! RESOURCES MENTIONED Recessions and Bear Markets - Investor Guide OTHER EPISODES 45. Why You Should Care About Rising Interest Rates 47. Guide to Recessions and Bear Markets If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	5 Steps to set up your TFSA for 2022	12 Jan 2022	00:23:51
EPISODE SUMMARY As we start a new year, today’s episode gives you 5 steps to set up your TFSA in 2022. A new year means additional contribution room, so this is a perfect time to give this episode a listen! ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE 5 steps to set up your TFSA in 2022 Understanding your objective Understanding your risk profile and allocation TFSA contribution limits How a TFSA can fit into your long-term plan RESOURCES MENTIONED Vanguard Investor Questionnaire TFSA Limits for 2022 This questionnaire and the sample asset allocations do not provide investment or financial advice. The sample asset allocations presented are not tailored to any particular investor's circumstances. Investors should speak with a financial advisor for help in selecting an appropriate asset allocation for their particular circumstances and carefully consider all options before investing. OTHER EPISODES 10. Using a TFSA Like a Pro 24. TFSAs are Great but Watch Out…. 29. RRSP, LIRA, TFSA…Where do you Withdraw from First? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	How can money make you happier? A conversation with Andrew Hallam	29 Dec 2021	00:46:37
EPISODE SUMMARY On the podcast today is Andrew Hallam. Andrew is the acclaimed author of the popular personal finance books Millionaire Teacher and Millionaire Expat, but he joins me today to discuss his latest book as it relates to money and happiness. Andrew’s new book is called Balance: How to Invest and Spend for Happiness, Health and Wealth and is available on January 18, 2022. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE How success, money, health and happiness are related What should we focus on Finding balance in life RESOURCES MENTIONED Andrew Hallam - Website Balance - The Book OTHER EPISODES 34. Do I Really Need to Have $1M to Retire 46. Maximize the Tax Benefits of Your Charitable Giving If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Do you really need to have $1M to retire?	15 Dec 2021	00:17:50
EPISODE SUMMARY In this episode, Evan covers off some rules of thumb for saving for retirement and how to know if you’re on pace. Evan answers the question of whether you really need $1M to retire. Build your financial plan with Evan ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE How much do you actually need to save for retirement What impacts your retirement savings needs Savings rule of thumbs and systems Recommendations to make saving as easy as possible Is $1M the right amount to have for retirement RESOURCES MENTIONED The Rule of 30 - book OTHER EPISODES 17. Investing Basics Part 1 - Stocks 18. Investing Basics Part 2 - Bonds 27. Will you Have any Guaranteed Sources of Income in Retirement If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Understanding Segregated Funds with Mark McGrath	17 Apr 2024	01:03:14
This week I'm joined by Mark McGrath as we dig into segregated funds. These investment vehicles blend mutual funds with insurance and offer unique guarantees but….. the benefits to investors are less clear. We delve into fees, performance, guarantees and other pros and cons. We also examine the human side, critiquing sales practices and exploring seg funds in estate planning. Whether you're a seasoned investor or just starting out, this episode provides essential guidance for informed decision-making in the Canadian investment landscape. 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Are your investments appropriate for your retirement timeline?	01 Dec 2021	00:11:46
EPISODE SUMMARY On this episode, Evan provides a framework to think about whether your investments are appropriate for your retirement timeline. Managing risk might mean you need to make adjustments to your portfolio as you get closer to retirement and throughout your retirement years. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Investment risk and reward Matching risk with your investment timeline How to manage and assess risk OTHER EPISODES 26. Rebalance Your Investments 27. Will you Have any Guaranteed Sources of Income in Retirement If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Do you need an emergency fund in retirement?	17 Nov 2021	00:11:20
EPISODE SUMMARY When you're living off your savings instead of relying on employment income, the idea of an emergency fund changes a bit. Here's a quick episode with what Evan recommends! Continue to follow along through this series by downloading your copy of the retirement readiness checklist below. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Is an emergency fund still relevant, or required, in retirement How an emergency fund fits into the context of an investment portfolio Concept of a war chest Alternative sources for emergency funding OTHER EPISODES 1. Should you Have an Emergency Fund? 22. Optimize your Investments by Plan Type 33. Are your Investments Appropriate for your Retirement Timeline? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	That other government pension plan... OAS (Old Age Security)	03 Nov 2021	00:12:36
EPISODE SUMMARY Today’s episode focuses on Old Age Security, another one of the government benefits you may receive. Evan walks through the basics of OAS, how to qualify, and how much you might receive. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE How OAS works and what it is How much OAS you could receive How to qualify for OAS Items to be aware of, including OAS recovery tax RESOURCES MENTIONED Government of Canada - OAS Overview Government of Canada - Guaranteed Income Supplement OTHER EPISODES 27. Will you Have any Guaranteed Sources of Income in Retirement 30. How Much Will You Get From the Canada Pension Plan? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	How much will you get from the Canada Pension Plan?	20 Oct 2021	00:12:18
EPISODE SUMMARY Today’s episode focuses on the Canada Pension Plan. As CPP will be a component of your retirement paycheque, Evan walks you through CPP specifics and how much you might receive. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE How CPP works and what it is CPP funding and contributions How you can find out how much you might receive Impacts to your payment based on early or late receipt of the benefit RESOURCES MENTIONED CPP Investments My Service Canada Account Log-In Page OTHER EPISODES 27. Will you Have any Guaranteed Sources of Income in Retirement 31. That Other Government Pension Plan…OAS (Old Age Security) If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	RRSP, LIRA, TFSA.... Where do you withdraw from first?	06 Oct 2021	00:12:43
EPISODE SUMMARY Spending is easy, but spending with the goal of reducing your lifetime tax bill isn't as straightforward. In this episode, Evan explains how your different plans (RRSP/RRIF, LIRA/LIF, Non-registered and TFSA) are treated from a tax perspective and how to prioritize your withdrawals to keep more money in your pocket. Grab your copy and follow along with our retirement readiness checklist series by clicking the link below. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Making a retirement savings withdrawal plan Making sure your spending is as efficient as possible to reduce lifetime taxes Different types of retirement accounts and how each one treats tax How to prioritize withdrawals OTHER EPISODES 10. Using a TFSA Like a Pro 13. Is an RRSP the Best Choice for Your Retirement Savings 22. Optimize your Investments by Plan Type 24. TFSAs are Great but Watch Out… If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Do you plan to work in retirement?	22 Sep 2021	00:11:31
EPISODE SUMMARY Today’s episode continues our series highlighting the items from my retirement readiness checklist. Get your copy by downloading the checklist from the link below! Working in retirement is a bit of an oxymoron but many people choose to pick up jobs to supplement their income, stay active or even start a business in a new field entirely! You’ll want to watch out for tax and OAS clawback when earning employment income in retirement. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Why Canadians work in retirement What does retirement employment typically look like How your employment income is taxed How employment income affects other retirement income sources RESOURCES MENTIONED Government of Canada - OAS Recovery Tax OTHER EPISODES 27. Will you Have any Guaranteed Sources of Income in Retirement 30. How Much Will You Get From the Canada Pension Plan? 31. That Other Government Pension Plan…OAS (Old Age Security) If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Will you have any guaranteed income in retirement?	08 Sep 2021	00:11:32
EPISODE SUMMARY Today’s episode is the first in a series highlighting the items from my retirement readiness checklist. Get your copy by downloading the checklist from the link below! Having guaranteed income from a pension, annuities or government benefits can be critical to your success in retirement. These items will form your "income floor,” putting a lower bound on your lifetime income. Understanding your income floor is a good place to start when planning for a confident retirement! ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Quick outline of the retirement readiness checklist Possible sources of guaranteed income in retirement Pensions, annuities, CPP, OAS Understanding your income floor RESOURCES MENTIONED Government of Canada - CPP Overview Government of Canada - OAS Overview OTHER EPISODES 30. How Much Will You Get From the Canada Pension Plan? 31. That Other Government Pension Plan…OAS (Old Age Security) If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Rebalance your investments	18 Aug 2021	00:10:28
EPISODE SUMMARY Over time your investment portfolio will move along with the market. Stocks and bonds will move at different speeds and sometimes in different directions. These investments in your portfolio won’t stay in the perfect split that you want. To keep your risk profile in check and take advantage of lower prices in other assets, rebalancing is your friend! ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE What is target asset allocation What might lead you to need to rebalance Methods to rebalance Rebalance frequency OTHER EPISODES 20. Understanding Investment Risk 21. Stocks, Bonds, or Cash? How do you Decide? 37. Dips, Corrections and Crashes If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Reduce taxes with a spousal RRSP	11 Aug 2021	00:12:06
EPISODE SUMMARY Here are a few ideas to help you contribute money to a spousal RRSP in a high tax bracket and withdraw in a low bracket in the future. In the right situation, you can drastically reduce your lifetime tax bill by using a spousal RRSP correctly. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE What a spousal RRSP is Why you might want to use a spousal RRSP Examples of a spousal RRSP in action Tax savings and other considerations RESOURCES MENTIONED Government of Canada - Spousal RRSPs OTHER EPISODES 13. Is an RRSP the Best Choice for your Retirement Savings 29. RRSP, LIRA, TFSA…Where do you Withdraw From First? 38. The Perfect RRSP Strategy If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	TFSAs are great but watch out....	04 Aug 2021	00:10:06
EPISODE SUMMARY TFSAs are the best way to invest smarter and reduce taxes over the long term. But you’ll want to be careful of some of these critical pitfalls that can get you into trouble. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Quick refresh on what a TFSA is and how it works Explanation of TFSA contribution room and how it accumulates Overcontribution rules and penalties How you can’t claim capital losses in a TFSA RESOURCES MENTIONED Government of Canada - TFSA Guide OTHER EPISODES 10. Using a TFSA Like a Pro 29. RRSP, LIRA, TFSA…Where do you Withdraw from First? 36. 5 Steps to Set Up Your TFSA for 2022 If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Time to sell? What you should expect after a good run for stocks	10 Apr 2024	00:15:42
The stock market has looked great recently! Is it time to take some money off the table? In this episode, I walk you through the considerations you need to make to decide whether it is time to sell or stay the course. 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Investing vs Gambling	28 Jul 2021	00:08:19
EPISODE SUMMARY While some people think that investing is essentially gambling, Evan uses this episode to explain how investing is the opposite of gambling when you have time on your side. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Evan’s thoughts on taking investing advice from the media How investing is not the same as gambling How long term investing is in your favour RESOURCES MENTIONED Morningstar OTHER EPISODES 17. Investing Basics Part 1 - Stocks 18. Investing Basics Part 2 - Bonds 20. Understanding Investment Risk If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Optimize your investments by plan type	21 Jul 2021	00:12:46
EPISODE SUMMARY Evan and Steven are back to discuss where to invest your stocks and bonds to save as much tax as possible. If investment income is taxed in different ways (interest vs capital gains vs dividends) and each plan type (RRSP vs TFSA vs Non-Registered) creates taxable income in different ways, you need to have a plan to invest with the goal of reducing taxes over time. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Pre-tax vs after-tax returns Various types of investments accounts - TFSA, RRSP, Non-registered Types of income and how they are each taxed - interest, dividends, capital gains How each investment account treats tax Pairing asset allocation with investment plan type OTHER EPISODES 7. Tax Basics and “The Next Bracket” Myth 10. Using a TFSA Like a Pro 13. Is an RRSP the Best Choice for your Retirement Savings If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Stocks, Bonds or Cash? How do you decide?	14 Jul 2021	00:13:26
EPISODE SUMMARY When building an investment portfolio, the mix between stocks, bonds, cash and other assets is called Asset Allocation. Steven Guenther, CFP, joins me again to discuss this critical aspect of building an appropriate portfolio you can stick with for the long term. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Defining various asset classes What asset allocation means Understanding how asset allocation impacts your portfolio Deciding on your asset allocation and finding the appropriate investment to match OTHER EPISODES 17. Investing Basics Part 1 - Stocks 18. Investing Basics Part 2 - Bonds 33. Are your Investments Appropriate for your Retirement Timeline? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Understanding Investment Risk	07 Jul 2021	00:12:47
EPISODE SUMMARY Today’s episode kicks off our summer series focused on the themes of investing smarter and reducing taxes. Certified Financial Planner, Steven Guenther, joins me again to discuss risk and how to think about it for your investments. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE What is investment risk and how to measure it Risk of different assets and understanding risk in your portfolio Relationship between risk and return Understanding your risk capacity and risk tolerance OTHER EPISODES 21. Stocks, Bonds, or Cash? How do you Decide? 23. Time Heals all Wounds 33. Are your Investments Appropriate for your Retirement Timeline? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	The Next Steps - Season 2 Recap	27 May 2021	00:07:19
Thanks for listening to season 2 of the Canadian Money Roadmap! Heres a recap episode of everything we covered on the "Next Steps" season. If you have questions or ideas you'd like to see on future episodes, please send me an email at evan@ennsbaxter.com 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Investing Basics Part 3 - Mutual Funds and ETFs	14 May 2021	00:13:00
EPISODE SUMMARY How can an average person buy stocks and bonds easily and make sure they are diversified in the process? Mutual funds and ETFs (exchange traded funds) can help! On today’s episode, Evan walks through these two options. The discussion isn't a recommendation of either or a head to head battle with a winner, but just compares the two investment tools and highlights some pros and cons of both. Always do your research before investing and be careful about believing everything you hear in advertising! ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Understanding mutual funds Understanding ETFs Comparing mutual funds and ETFs Pros and cons of each option OTHER EPISODES 17. Investing Basics Part 1 - Stocks 18. Investing Basics Part 2 - Bonds 20. Understanding Investment Risk 21. Stocks, Bonds, or Cash? How do you Decide? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Investing Basics Part 2 - Bonds	28 Apr 2021	00:11:12
EPISODE SUMMARY Today Evan dives into the investment you have heard of but probably don’t really understand. Evan provides the basics on bonds and how they might fit into your portfolio. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE What are bonds How can you make money with bonds Why should you consider bonds for your portfolio OTHER EPISODES 17. Investing Basics Part 1 - Stocks 19. Investing Basics Part 3 - Mutual Funds and ETFs 20. Understanding Investment Risk 21. Stocks, Bonds, or Cash? How do you Decide? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Investing Basics Part 1 - Stocks	14 Apr 2021	00:13:09
EPISODE SUMMARY On today's episode, Evan will be covering off some of the basics when it comes to investing in stocks. There are no recommendations or hot stock picks here but just what you need to know before you dive into the world of investing. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Clarify key language used with stock investing Define what stocks are How do you make money with stocks What affects the price of a stock Why should you own stocks OTHER EPISODES 18. Investing Basics Part 2 - Bonds 19. Investing Basics Part 3 - Mutual Funds and ETFs 21. Stocks, Bonds, or Cash? How do you Decide? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Registered Education Savings Plans featuring Steven Guenther, CFP	31 Mar 2021	00:31:23
EPISODE SUMMARY Won't somebody please think of the children?! Well, if you're thinking about saving for your kids' education, this is the podcast for you. Steven Guenther and I walk through the basics and the not-so-basics when it comes to RESPs. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE What an RESP is and why they exist Government incentives via grants and bonds Incentives for lower-income families Types of RESP plans Rules for RESP withdrawals What if the kids don’t go to university? Options for this scenario RESOURCES MENTIONED Government of Canada - RESPs OTHER EPISODES 4. Student Loans, Lines of Credit and How to Get Through Postgrad Debt Free 44. How to Help Your Kids Buy a Home If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Mortgage Masterclass with Bud Jorgenson	17 Mar 2021	00:27:10
EPISODE SUMMARY This week we cover all things mortgages with Bud Jorgenson of The Mortgage Group. Bud provides lots of great nuggets of wisdom as an expert on this topic! ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE How to qualify for a mortgage Types of mortgages available CMHC insurance Tips for deciding on a down payment amount…and whether 20% down always makes sense RESOURCES MENTIONED The Mortgage Group OTHER EPISODES 3. Buying a Car 12. Buying a House with Kindra Sowden 43. Should you Rent or Buy a Home? If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	3-7% Returns, TFSA Multi-Millionaires and What To Do Beyond $100,000	03 Apr 2024	00:24:59
This week, I'm tackling a few topics that were popular on Reddit over the last month. 1. What should you use for return assumptions in your planning? 2. Becoming a TFSA multi-millionaire 3. What should be your priority after building your first $100,000 **For a more in-depth look at expected returns, check out the recent Rational Reminder Podcast episode on the topic 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	How to file your taxes in 2021 featuring Luke Hergott CPA	03 Mar 2021	00:23:56
EPISODE SUMMARY My guest this week is Luke Hergott, a Chartered Professional Accountant (CPA) at EY. Luke walks us through the steps you need to take to make sure you're prepared to file your taxes for the 2020 tax year. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Personal tax filing deadlines Housekeeping items to be ready to file your taxes How income tax works in Canada Practical tips for filing your taxes RESOURCES MENTIONED Certified tax software options CRA My Account COVID-19 Benefits and Taxes OTHER EPISODES 7. Tax Basics and “The Next Bracket” Myth 41. Reduce your Taxes with Deductions and Credits If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Is an RRSP the best choice for your retirement savings?	16 Feb 2021	00:16:39
EPISODE SUMMARY In this episode, Evan covers some of the myths and misconceptions about how RRSPs really work and how they might not be the best option for most people. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Brief overview of how RRSPs work Myths about RRSP usage Ways to use an RRSP to your advantage RESOURCES MENTIONED Government of Canada - RRSP Information EY Tax Calculators & Rates OTHER EPISODES 25. Reduce Taxes with a Spousal RRSP 29. RRSP, LIRA, TFSA…Where do you Withdraw From First? 38. The Perfect RRSP Strategy If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Buying a House featuring Kindra Sowden	03 Feb 2021	00:34:08
EPISODE SUMMARY If you're looking for some tips on the home buying process, this episode is for you! Kindra Sowden is one of Saskatoon's top Realtors and she gives some great advice when it comes to making one of the biggest purchases of your life. No pressure…. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE All things buying a house Reasons you might want to use a realtor Assembling your home purchase dream team Step-by-step process of a home purchase Ways to make sure you make a good decision on one of the biggest purchases of your life RESOURCES MENTIONED Kindra Sowden - Website OTHER EPISODES 6. Insuring Your Most Valuable Asset 9. Do I Really Need a Will? An Interview with Elizabeth Williamson If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Money & Marriage - From The Sask Wedding Podcast w/ Matt Ramage	20 Jan 2021	00:44:50
EPISODE SUMMARY On this week's episode, I'm actually the guest! This is an episode I recorded with Matt Ramage from the Sask Wedding Podcast where we discuss money conversations you should be having with your partner before your wedding and then as you build your lives together. Matt is a wedding and lifestyle photographer based out of Saskatoon. You can find him on instagram or on his website. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE How to manage money while planning a wedding Things to consider when shifting from handling your own money to handling money in a relationship Planning for expenses during marriage and life after the wedding RESOURCES MENTIONED Sask Wedding Podcast Matt Ramage (mj&co.) - Instagram Matt Ramage (mj&co.) - Website OTHER EPISODES 5. Budgeting for People Who Hate Budgeting 9. Do I Really Need a Will? An Interview with Elizabeth Williamson 12. Buying a House Featuring Kindra Sowden If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Using a TFSA like a pro	06 Jan 2021	00:13:09
EPISODE SUMMARY We’re back with Season 2 of The Canadian Money Roadmap Podcast! This episode focuses on TFSAs and will set you up to use them like a pro. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE 1. TFSAs are best used for building long term wealth. Short term savings are best saved in a non-TFSA Savings account. 2. You can (and should!) invest for growth within a TFSA. Here's a link to the BMO study showing nearly half of Canadians thought they could only have cash in a TFSA 3. Building long term wealth starts and ends with a TFSA. Focus on maximizing your TFSA first and spend the TFSA money last in retirement 4. By building the bulk of your savings in a TFSA, you'll be able to keep your future taxable income low as well. This can have a significant impact on making sure you receive your full Old Age Security payments and potentially spend less money on other government subsidized costs like long term care that are indexed to your taxable income. RESOURCES MENTIONED BMO study regarding how Canadian’s use their TFSA TFSA guide from the Government of Canada OTHER EPISODES 24. TFSAs are Great but Watch Out…. 29. RRSP, LIRA, TFSA…Where do you Withdraw from First? 36. 5 Steps to Set Up Your TFSA for 2022 If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Your Financial Foundations - Season 1 Recap	04 Nov 2020	00:03:43
Thanks so much for listening to Season 1 of the Canadian Money Roadmap Podcast! I've had a lot of fun and I've received lots of great feedback about this season's topics so I'm excited to prep for season 2 and get that out as soon as I can. This episode is a quick summary of the first season which focuses on your financial foundations. Feel free to reach out to me at evan@ennsbaxter.com! 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Do I really need a will? An interview with Elizabeth Williamson	21 Oct 2020	00:23:34
EPISODE SUMMARY In this episode, I'm joined by Elizabeth Williamson of Williamson Law in Saskatoon, SK. She provides some advice and education on the basics of wills, whether or not you should have one (hint: you do!) and some risks involved with doing an online will. This episode features discussion and advice most relevant to residents of Saskatchewan. Always consult with a legal professional in your home province when developing your own will and estate plan. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Interview with Elizabeth Williamson of Williamson Law in Saskatoon, SK The basics of a will Tips to properly set up your estate Basics of a Power of Attorney and Healthcare Directive RESOURCES MENTIONED Williamson Law website and contact OTHER EPISODES 6. Insuring your most Valuable Asset 46. Maximize the Tax Benefits of your Charitable Giving If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Starting a Business: Interview with Alisha Esmail of Road Coffee Co.	07 Oct 2020	00:26:31
EPISODE SUMMARY Today Evan interviews Alisha Esmail, the founder of Road Coffee Co. Road is a coffee roaster based out of Saskatoon with a goal and story that goes well beyond a simple cup of coffee. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Interview with Alisha Esmail, founder of Road Coffee Co. Finding funding to start a business Deciding whether to take a salary as the owner Pivoting during Covid-19 to remain profitable RESOURCES MENTIONED Road Coffee Co. Road Coffee - Origin Story and Beyond Fair Program Government of Canada - Business Grants and Financing OTHER EPISODES 11. Money & Marriage - From the Sask Wedding Podcast w/ Matt Ramage 12. Buying a House Featuring Kindra Sowden 15. Mortgage Masterclass with Bud Jorgenson If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Tax Basics and "The Next Bracket" Myth	23 Sep 2020	00:08:37
EPISODE SUMMARY Evan guides you through the basics of Canadian tax and helps you understand how income tax works in our country. Evan also touches on the “next bracket myth” and helps clarify some common misunderstandings. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE Tax basics Explaining a progressive tax system Understanding average vs. marginal tax rate The Next Bracket Myth RESOURCES MENTIONED EY Tax Calculator and Rates Government of Canada - Understanding Your Pay Stub OTHER EPISODES 14. How to File Your Taxes in 2021 Featuring Luke Hergott, CPA 25. Reduce Taxes with a Spousal RRSP 41. Reduce Your Taxes with Deductions and Credits If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Insuring Your Most Valuable Asset	09 Sep 2020	00:17:50
EPISODE SUMMARY This episode covers a basic overview of life, critical illness, and disability insurance so you can protect your most valuable asset. You! ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE 1. Life Insurance: Pays tax free benefit upon death. Term vs Permanent. Aim for total coverage of Debt + 7x Income 2. Critical Illness: Pays tax free benefit upon diagnosis of a covered condition. 3. Disability: Pays benefit based on your inability to earn employment income. If you have benefits at work, you might already have sufficient disability coverage but double check the variables so you know what you have. 4. Creditor Insurance: Typically more expensive and less comprehensive than a personally owned policy but can be a good option if your health prevents you from getting a policy on your own. OTHER EPISODES 12. Buying a House Featuring Kindra Sowden 15. Mortgage Masterclass with Bud Jorgenson If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	What happens to your RRSP after retirement?	27 Mar 2024	00:18:03
In this week's episode we walk through the two phases of your RRSP: accumulation (RRSP) and spending (RRIF). 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Budgeting for people who hate budgeting	26 Aug 2020	00:20:12
EPISODE SUMMARY If you're listening to this episode, chances are that you're not a budgeter. I'm not a budgeter either! You need to know where your money is going but an automated system is going to be your best friend. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE 1. If you've ever said "Ugh, I finally need to set up a budget", a strict budget might not actually be your best option. And that's okay! People's brains are wired differently but you just need to find a system that works best for you. 2. If you are looking for budgeting software, I'd start with Mint or You Need A Budget. 3. When building your budget, aim for the 50-30-20 rule for the categories of Needs, Wants and Savings/Debt repayment. 4. *If you don't want to set up a strict budget, start by automating your good habits***. If you think you need a budget, chances are that your money isn't going where you want it to every month. By automating your good habits of paying your bills on time, repaying your debt and contributing to your long term savings, you can guarantee that you'll start every month on the right foot. The more things you can automate, the fewer speed bumps you're going to hit every month. RESOURCES MENTIONED Mint You Need a Budget OTHER EPISODES 42. Start planning for your next vacation If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Student Loans, Lines of Credit and How to Get Through Postgrad Debt Free	12 Aug 2020	00:27:43
EPISODE SUMMARY Evan discusses student loans and student lines of credit before interviewing PhD candidate, Sam Derksen. Sam and Evan chat about how to get through your post grad studies without any debt. ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST TOPICS IN THIS EPISODE This week's episode looks at getting through post secondary school: 1. Student loans - Know your status as a dependent or independent and know the income reporting requires before you apply to limit the surprises of a smaller loan than you had anticipated. 2. Student lines of credit - Available through a bank, a line of credit is more flexible but you might run the risk of overspending as a result 3. Interview with PhD candidate, Sam Derksen - How to get through your post grad studies without any debt OTHER EPISODES 16. Registered Education Savings Plans featuring Steven Guenther, CFP If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet
	Buying a Car	29 Jul 2020	00:34:34
EPISODE SUMMARY Today's episode focuses on buying a vehicle. Buying a car is one of the first major purchases that a person will make but you're also likely to own over 10 vehicles over the course of your life. Buying a vehicle the wrong way can get you into lots of financial trouble so this episode should give you some tips to stay on track with a vehicle you'll be happy with for a long time. Note this isn't a podcast of how to negotiate the best price or which vehicle to buy. I wanted to provide some realistic education on what the process of buying a vehicle is like so you can make the best choice for your unique situation. Quick tips: 1. Buying a used car with cash is likely the cheapest way to own a vehicle. Certified pre-owned is a nice sweet spot that offers warranty, low kms, a dealer inspection and someone else has paid most of the depreciation already. 2. Leasing is the most expensive way to "own" a vehicle over time even though the monthly payments are lower. Generally only a good option if you use the vehicle to travel for work can expense the payment. 3. Financing is the most common method of buying but try to stick to the 20/4/10 rule to keep your interest low and payments on budget. 20% down, 4 year term, payment is less than 10% of your monthly take-home income. 4. Do your homework before going to the dealership: know the model and trim level you're interested in, know the MSRP and what you're willing to negotiate on, know your budget and don't deviate from it. 5. Avoid the "extras" like undercoating, extra warranty, life insurance on the loan (own your own insurance policy instead!) ✅ DOWNLOAD FREE RETIREMENT READINESS CHECKLIST OTHER EPISODES 43. Should you Rent or Buy a Home 12. Buying a House featuring Kindra Sowden If you enjoy listening to the podcast, please leave a 5 star review on Apple Podcasts 📝 Want a personalized retirement plan? ✅ Free Retirement Readiness Scorecard ✨ Get your money organized - Your Full Financial Picture Spreadsheet

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