Miss Findependent

Hi everyone, It's Nika Farb, and Katie Karlos. Welcome to the Miss Findependent Podcast. We're passionate about helping women become financially literate and independent. Our aim is to help our listeners build the toolkit to be more confident investors, entrepreneurs or go further in their careers.Women have never been more empowered than we are today. We've made tremendous strides over the last century by becoming more educated and participating more and more in the workforce, but we are still lagging in one key area: financial literacy. A study by Stanford University showed that in the US women on average, are expected to live 5 years longer than men, but accumulate over $100,000 less wealth. Women are less confident than men in making many financial decisions. Confidence stems from knowledge. Throughout our next series of podcasts we're going to host a wide variety of guests successful in various domains.  Nika is a seasoned entrepreneur and sales professional and has experience in building her own business. She'll be leading conversations on how to start a business and various business models today. Katie is a professional accountant and will help our listeners prepare for tax season and financial planning.Stay tuned!

We start off with a visualization of the future. You enter an elevator, press the top floor, and come out as you, only 10 years into the future. We ask you to question where you see yourself - what sights, sounds, and people surround you. The reason we do this is to help you understand that you need to be working for the life you want now. Things won't just fall into place, you need to call them into existence and take action to purse what's yours. We talk about some of the ways millennials often live above their means and get into significant credit card debt. We discuss ways to prioritize debt and where to focus your attention. We discuss basic budgeting skills and how to manage your inflows and outflows to ensure you are net positive month over month. We provide a brief introduction to TFSAs and RRSPs and explain why both accounts are necessary for everyone to have, even if you have a company pension already set up.

We discuss the importance of asking for employee referrals and how to cold outreach. We talk about everything from what to say in your LinkedIn messages, or email, to how to increase your response rate. We break down how to connect with people you've never met and how to give back to people that reach out to you. We provide examples of networking tools you can utilize such as joining professional organizations (ie. Women in Capital Markets) and explain how these tools can be used to obtain job opportunities as well as employee referrals.We discuss the importance of Temp Agencies and how to take advantage of Freelancing to get the most value out of your skillset. We provide tangible examples and proof of how our method works.

Building financial literacy can be a daunting journey, especially if you don't know where to start. In this episode we break down the basics of what actions you need to be taking in order to set yourself up for success. We start with explaining what an emergency fund is and how to build one. We teach you to build a system for monitoring your cash inflows and outflows and how to be mindful of your spending. We dive deep into budgets and present an easy system - the 50/30/20 rule - for mindful spending on needs, wants, and savings. You can download an easy budgeting worksheet by singing up for our mailing list here: www.missfindependent.com 

On this episode of the podcast we are joined by a special guest, Michele Molino the Founder of Female CoFounder. Michele is a badass female entrepreneur, and also a Product Manager at Vmware Pivotal Labs. She's previously worked on brands like Virgin Mobile, CraveTV, Bell and Lucky Mobile. Michele is a proud Schulich alumna who graduated with Honours and Distinction specializing in Entrepreneurship, Marketing and Finance. Now she's creating an opportunity to uplift women who are excited about building the future of tech.For every 20 start-up founders in the technology sector, less than 3 are women. We're working with everyone in the tech community to change that. Female CoFounder is a community where you build diverse teams for side-projects and startups. Join the community at www.femalecofounder.com - If you've ever thought about starting a side hustle, building a business or venturing into entrepreneurship, this is the conversation for you. Michele shares her story about how Female CoFounder was built, some of the challenges and setbacks she's gone through and her learnings along the way. Nika's been a community member of FemaleCoFounder since their early days, and led their first Lightning Talks on Risk and Resilence in entrepreneurship, and how to build up your risk tolerance. Michele talks about the community she's building and how important it is to have the right people by your side when you're creating something special. With Michele we unpack what are some common fears that hold women back from starting businesses. We talk about how to get out of your own head and how to persevere. 

The holidays can be the most exciting and expensive time of year for some. While this holiday season is definitely going to look different from previous years, now more than ever is it important to show your friends and family how much you love and appreciate them. It's not about how much you give, but about how much love you put into giving. In this episode we go over how to have a conversation with friends/family about expectations around the holidays. A lot of people have either lost their jobs, aren't getting their holiday bonuses, and/or cash might be tight for many this year. Having candid conversations with friends and family is the first step in trying to understand what your holiday budget should be. We discuss how to value your relationships and offer suggestions for people with bigger family groups. We talk about why Black Friday/Cyber Monday aren't always the best times to buy, and why maybe you shouldn't be boycotting Amazon. If you enjoyed this episode, please leave us a review! As always, thanks for listening. - Nika & Katie

A special episode with Liz Enriquez (founder of Ambitious Adulting) where we discuss how to build the mindset to start investing, how to build credit, and how to get started with real estate investing.Liz Enriquez helps Canadian Millennials learn about personal finances in a fun and non-intimidating way. As a young adult, Liz struggled with anxiety around money, and became committed to improving her financial literacy to help her cope. She dove deep into Personal Finance books, blogs and podcasts and saved $100,000 by the time she was 26. She has been featured in BNN Bloomberg, Globe and Mail, and Apartment Therapy and hosts her own show "Ambitious Adulting" on Cable 14.  @Ambitiousadulting on IG/twitterhttps://www.ambitiousadulting.com/about/

Why do people fail at keeping their New Year's resolutions?In this episode we unpack why only 8% of all people who set out to achieve their New Year's goals, actually achieve them.Studies have found that only 64% of people stick with their goals past one month, 46% past six months, and 8% through the end to long term achievement.We provide you with the steps to take in order to ensure that you set yourself up for success and join the 8%. We teach you how to create SMARTER, more specific goals, and dive deep into the "why" you are creating your goals in the first place.

We cover the following topics in this episode:1) What is crypto currency2) What is blockchain3) How to purchase crypto currency4) The risks surrounding crypto currency5) Our thoughts on Bitcoin and Ethereum6) And much more. This website has everything you need to know about Bitcoin:https://www.lopp.net/bitcoin-information/getting-started.htmlThe best crypto hardware Wallet:https://www.ledger.com/Wealthsimple - buy and trade Bitcoin and Ethereum:https://www.wealthsimple.com/en-ca/product/crypto/

In this episode we share some of our tips on how to make money conversations feel a lot easier and less awkward.We guide you on how to approach these tough conversations around money with your parents and significant others.In addition, we provide our advice when it comes to having conversations about retirement, spending and saving, debt and financial management. 

Once again we see how powerful social media is in our modern day. A retail investor posted about how the stock was undervalued on a public forum, WallStBets, and brought to light GameStop (GME) was shorted at 120% of the available shares by hedge funds. 4 Million people follow this forum. Retail investors, and FOMO investors bought the stock, the stock price shot up. Listen to hear what happens next. 2:20 - What is Shorting?8:00 - How did GME blow up?11:20 - What is a Short Squeeze?15:04 - Free Markets15:52 - Correction - The Stock was shorted 120% of the available shares, not 120x17:33 - Importance of Long Term Investing23:00 - What Happened with Melvin Capital

In this weeks episode we talk all things real estate investing with Severina Lutaj, investment banker and real estate development guru. She's managed portfolios of hundreds of commercial and residential tenancies and has in-depth knowledge of construction/maintenance as well as experience building out property management operations & processes. Her strong finance background and diverse real estate experience has led her to having unique, first-hand experience with investment properties and learning how to get on the property ladder.Here's what we get into:3:45 - How to Deal with Imposter Syndrome11:30 - Where Do I Start with Buying Property?12:19 - What to Look for in an Investment Property?19:45 - How Do I Research Real Estate?57:22 - Stock Market vs. Real Estate Investing

Stop thinking "If only I'd invested in Tesla 10 years ago I'd be a millionaire". Instead, switch to a forward thinking mindset. Ask yourself, 10 years from now, what do I wish I would've invested in, in 2021. There's opportunity everywhere, you just need to be open to it, and learn how to spot long term trends to see it.Timeline: 2:45 - FSDs (Full Self-Driving Cars)10:12 - Satellite Internet16:36 - E-Commerce25:23 - The Future of Retail33:17 - Alternative Medicines46:50 - Telehealth50:37 - Aging Population53:16 - The War on Cash 

We dive deep into the 5 actively managed ARK ETFs and give our opinions on ETFs as a whole.In addition, we give our suggestions on the best investing practices for different types of investors.

In this episode we take the driest topic of them all.... taxes... and try to hydrate it a bit. While listening to this one, we encourage you to channel your inner cactus. Why a cactus? Because they retain water for weeks, and you're about to retain some #Knowledge An RRSP is a Registered Retirement Savings Plan. It's an investment account that you use to build wealth for retirement. There's no minimum age to create one, you can create one as long as you are legally eligible to work. The maximum age to open an RRSP is 71. Timeline4:34 - What is an RRSP and how does it work?9:45 - Contribution room and how to calculate it13:26 - Self-directed RRSPs 12:40 - Employer matching17:19 - What happens when you over-contribute?18:58 - Withdrawals from your RRSP23:30 - First Time Home Buyers Program (HBP)

In this episode we dive into: 3:45 - Do you need to file a tax return if you didn't earn an income4:52 - Work from home claim for 202011:50 - Transferring assets into your TFSA in lieu of cash15:11 - Tax loss harvesting (using capital loses to offset capital gains)21:00 - Tax implications of buying/selling cryptoThis episode is for educational purposes only and is not to be taken as advise. 

Ryan Kia has an incredible story. He's been investing in the financial markets since the age of 11. Currently, he works as the "Head Of Finance" for "KWG Global", a research consultancy in the field of academia. He also co-founded "Quantium Research Limited" (https://www.quantiumresearch.co.uk/), a company that produces articles, videos, podcasts, and weekly reports for investors (via their newly-released QR+ package).Episode Details:2:00 - What is Quantium Research?6:35 - How to learn from failures16:37 - WTF are NFTs?28:13 - The CSI 30030:37 - FAANG vs. BAT39:39 - Volatility Indicators

This episode features special guests Dani Kagan and Victoria Marshman who are passionate and driven entrepreneurs, business leaders and dance teachers. As the Co-Founders of City MOGULS, they bring together the entrepreneurial community through a multitude of programs and experiences. The UofT grads founded City MOGULS in 2015 to unite and celebrate innovative and philanthropic entrepreneurs to inspire great leaders. Their signature event, The MOGUL Awards, celebrates the top 20 Canadian entrepreneurs in a unique fashion show to support Canadian causes. To date they have raised almost $200k to support Canadian at-risk youth. The City MOGULS community has recently expanded to provide educational resources, online programs, like their accelerator program MOGUL Crews, and a brand new membership program to support early-stage entrepreneurs to launch them to the next phase of their journey. They are proud to be supporting thousands of entrepreneurs across Canada and the globe!Here's what we get into: 1:40 - How did Dani and Victoria meet and what is City MOGULS4:50 - How to balance friendship and business7:39 - Parallels between competitive sports and business12:11 - How to lay the first brick when you're building Rome16:59 - City MOGULS transition into the digital world22:00 - How to Find Your Why26:37 - How to build a community for your business33:47 - When to hire talent to grow

Julian Brass specializes in coaching service-based entrepreneurs and high-performing organizations to get behind their brand (so they can go BEYOND their brand) and master their mindset. His expertise leads to empowering his clients to create a successful entrepreneurial life that unites the mind, body, and soul while generating massive impact and income. He built and sold Notable Life and the Notable Awards, is the international bestselling author of Own Your Anxiety, a global keynote speaker & corporate trainer, business advisor and investor in wellness brands. He is recognized as an award-winning entrepreneur who launched, built and eventually sold Notable and the Notable Awards, one of the top online media brands for successful millennials in Canada. You can learn about joining one of his programs by joining julianbrass.com/subscribe and follow him at instagram.com/julianbrass.We discuss the importance of loving yourself and being mindful of your own inner dialogue.Julian provides actionable steps to owning your body, mind and soul. In addition, we dive deep into how financial stresses can effect mental health and actionable steps you can take in order to improve your anxiety around your finances.Lastly, we discuss the impact of social media on one's mental health and how to control the narrative.You can purchase Julian's book "Own Your Anxiety":   https://amzn.to/3dpJ2Xp

David Greenberg is an incredible human. He has over 25 years of experience in leadership, public speaking and consulting work. He is frequently called upon for guidance in new business ventures, strategic industry decisions and current market conditions.He served as an Executive Board and Board Member of the New York Mercantile Exchange (NYMEX). He oversaw a decade of its largest growth from $800 million to $12 billion. Notably, at the time it was the world's largest physical commodities exchange. While at NYMEX, David was the Chairman of the Corporate Governance, Marketing, International Expansion, Electronic Trading and Security Committees.Mr. Greenberg's twenty years as President of Sterling Commodities shaped the firm into one of the largest local clearinghouses at NYMEX.Mr. Greenberg served as Director of Development for Executive Education at Florida Atlantic University. As a seasoned speaker, he has graced the podiums of the country's most prestigious colleges and universities: West Point Military Academy, Columbia Business School, New York University, Syracuse University's Whitman School of Business and Sacred Heart University's Jack Welch School of Business.In addition to his successful career in significant advisory capabilities, he is a globally renowned and noted market analyst and media contributor. Having appeared on CNN, Fox Business News, Bloomberg and CNBC, Mr. Greenberg is often quoted on times such as the present. View Media »Mr. Greenberg's expert opinions can be found in The Wall Street Journal, Bloomberg, The Financial Times and other publications.~In this episode we discuss: 6:38 -  What it was like to trade in the pit18:37 - How he became a Board Member of the NYMEX31:48 - How social media is affecting our generation34:26 - How an enemy became a friend and then a business partner43:06 - Where he was during 91148:56 - What does it mean to be 'Out of The Matrix'This is NYMEX:https://www.youtube.com/watch?v=3_VCIQerVHQDavid's Speech at West Point Military Academy: https://www.youtube.com/watch?v=AAxPr6FR9SQThe Poem If: https://www.poetryfoundation.org/poems/46473/if---

In this episode we discuss:0:54 - What success means to David8:30 - The pressure millennials face today with success and social media11:45 - David's biggest failures in life 17:34 - How he overcame his failures and what kept him motivated to keep trying22:07 - The importance of investing for the long term28:21 - How trading has evolved over the years35:28 - An introduction to clearing houses and how they work50:12 - The importance of working for someone else before becoming an entrepreneur58:00 - The importance of putting "bad days" into perspective 1:02:00 - "No one can ever take away your education"

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?2:00 - How to find the Dividend Yield2:25 - Why invest in Dividends?4:23 - How to look at a company's fundamentals9:28 - Dripping Dividends12:17 - How to turn a $5K investment investment into $73K in passive income in 30 years

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).9:40 - How COVID-19 has affected the pricing of condos.11:27 - What housing market is the most competitive right now (condo, townhouse, luxury..).14:13- What opportunities are there in the Real Estate market? Is it a good time to enter the market?19:18 - Arthur's thoughts on the free hold market.21:06 - Where Arthur sees the Real Estate market headed (in the short and long term)24:42 - What trends do consumers value when seeking a property (ie. big kitchen, large master bedroom)29:00 - How long in advance of your desired move in date should you start looking for your home.33:10 - The key things to look for when finding a Real Estate agent37:17 - How to prep your home for sale.40:57 - Arthur's thoughts on investing in the stock market vs. investing in Real Estate.

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: 1:12 - What it means to be an entrepreneur12:15 - Different types of entrepreneurship20:10 - Venture Capital vs. Private Equity22:30 - Different types of businesses you can start

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: - Brief market update- Diversification - Dollar-cost Averaging - Strategies for minimizing emotional response

What we dive into:0:30 - Scarcity vs. Abundance3:52 - Our personal experiences with scarcity mindset10:37 - The importance of gratitude14:20 - Advantages of an abundance mentality18:57 - You are a sum of your 5 closest friends22:02 - Know your audience27:35 - The distinction between jealousy and envy32:37 - Words you can use to switch the dialogue from a scarcity to an abundance point of you

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. What to expect: 1:02 - What exactly is a Ponzi Scheme4:00 - Bernie Madoff6:11 - What is venture capital fund11:30 - Growth "On Paper"14:40 - Hyper Growth24:58 - What is a Unicorn25:37 - The Grand Finale28:56 - SPACS - Special Purpose Acquisition Company29:37 - We Work

In this episode:1:35 - Nika goes over the process she went through to purchase the property4:25 - The pros and cons of placing offers with conditions7:50 - The power of manifestation10:30 - Always put an offer in even if you think the sellers wont accept it16:43 - Utilizing your contacts and other resources 21:30 - The importance of budgets24:49 - How to budget for renovations27:28 - How to determine a price for the units you are renting in your home30:57 - Nika shares the current state of her property and the renovation process

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. What to expect:2:10 - Having an Investing Strategy5:00 - Saying no to FOMO8:55 - Cutting your losses14:30 - Having Patience16:21 - Putting All Your Eggs in One Basket17:30 - Stock Splits30:10 - Focusing Too Much on Price

In this episode we get into:1:30 - The Canadian Labour Market2:40 - The US Labour Market4:12 - People's Current Mindset11:11 - Why it's a Job Seeker's Market14:28 - Always Apply Even If You Don't Hit All The Requirements17:57 - Negotiating Your Salary22:38 - Negotiate The Whole Package25:42 - Don't Underestimate The Importance Of Kindness28:47 - The Importance Of Going Into Negotiations Armed With Data 30:45 - Negotiating Is Not a Form Of Disrespect To the Employer

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 enterprise2:44 - What you need to start 6:00 - The ultimate goal of trying a side hustle8:52 - Influencer Marketing Strategies10:30 - A pandemic case study20:00 - Finding your competitive advantage22:39 - Importance of Product Development26:17 - Reviews matter30:44 - Starting on Amazon38:43 - Don't Listen to others

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 Debt1:38 - Good Vs. Bad Debt2:38 - Different Kinds of Debt11:30 - Credit Card No Nos15:25 - Paying Debt, Saving or Investing17:53 - The Baby Emergency Fund24:09 - Secured Vs. Unsecured Loans32:53 - Leveraging Debt35:26- Intro to Private Lending

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 Chain3:10 - The Root Cause4:05  - What's Happening Now8:45 - The Container Shortage11:35 - A Tik Tok Case Study16:00 - Why Small Companies are Hit the Hardest18:27 - Port of Los Angeles21:30 - The Trucking Industry24:40 - Put Your Investor Hat On

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 twice2:51 - Tip 2 - Saynotospam@gmail.com4:13 - Tip 3 - How to be the queen of price matching7:03 - Tip 4 - Rakuten (linked)8:18 - Tip 5 - Honey Chrome Extension (linked)9:25 - Tip 6 - Rate Hub for credit card comparisons (linked)10:40 - Tip 7 - Experiences > Gifts12:00 - Tip 8 - Starter Kit Memes13:51 - Tip 9 - Buy Now, Don't Pay Later15:30 - Tip 10 - Treat Yo' Self

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 Tolerance5:39 - What are Cyclical Stocks10:00 - Defensive Stocks14:39 - Advantages to Owning Cyclical Stocks17:11 - Disadvantages of Investing in Cyclical Stocks19:15 - Discussing Sectors25:30 - How I'm Playing ItIt 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

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 Beliefs5:55 - The Diamond Cutter9:56 - "Someone Else Will Do"10:55 - "I'm Not Good With Money"13:23 - Letting Go of Negative Dialogue17:17 - Intersection of Spirituality and Business20:48 - Operating with IntegrityIt 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/038552868XUntil next time. XX Nika

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:3:05 - Why Crypto is Attractive and Top Concerns4:12 - How the Blockchain Works8:45 - Moving Away from the Gold Standard16:45 - Hard Wallets19:40 - Bitcoin20:38 - Ethereum26:27 - Binance Coin30:35 - Tether32:54 - Solana35:22 - Cardano36:52 - Altcoins 43:10 - Staking, Mining and DAOs

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. ⚠️ Limited Coaching slots open January 5th 2021. Spots will fill up quick. Stay tuned for an announcement.______A reflection episode wouldn't be complete without a Miss Findependent 2021 Wrapped.As a summary of the Miss Findependent Show. We have a total of 3400 listeners to date. 39 episodes published if we're counting this one. 31 of which were published this year!!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.Gifts - 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. 

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 Journey8:48 - Falling Back in Love with Skating10:32 - What Kept Her Motivated13:41 - How to Get Over Fear25:52 - Income Streams for Creators34:30 - A Day in the Life of a Creator36:15 - How to Reach Out to Brands43:54 - Social Media Trends51:51 - How to Reach Out to Creators as a Business

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 Press2:23 - NFTs Explained Like I'm Five4:01 - Royalties and Music8:30 - Trading NFTs10:21 - Companies investing in NFTs12:59 - Smart Contracts16:50 - Problems In This SpaceAlso see: Everything You Need To Know About Crypto in 2022✩ Connect With Me: ✩Instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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 Journey7:18 - How Can I Get a Higher Tax Return9:07 - Wedding Tax Hack12:25 - How to Work Abroad17:24 - What Makes an Investment Realized19:30 - What's Considered a Taxable Event with Crypto27:17 - Staking Cryptocurrencies28:46 - Crypto Mining Tax Implications________Connect with Laura:Instagram: @wilsontaxsolutionsTikTok: @wilsontaxsolutionsFor contact or business inquiries: wilsontaxsolutions@gmail.com________✩ SOCIALS: ✩instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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 Income4:47 - Profit7:17 - Affiliate Marketing10:49 - Capital Gains11:42 - Dividend Income15:19 - Rental Income17:39 - Staking Crypto18:54 - Private Lending✩ SOCIALS: ✩instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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:1:00 - How to Manage Expenses Together5:10 - Investing Accounts8:00 - Income Differences and Expenses12:11 - Having One Goal14:58 - How to Run a Business with your partner22:15 - Real estate Finances ✩ SOCIALS: ✩instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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. 3:44 - How to Navigate NFT Communities10:47 - Future Use Cases of NFTs16:20 - Web 2.0 vs. Web 3.022:54 - Wedding NFTs34:21 - Kayla's NFT Projects✩ SOCIALS: ✩instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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 Indexes3:41 - Quick Refresher on ETFs4:07 - Mutual Funds6:02 - Management Expense Ratios (MERs)14:41 - Tangerine Mutual Funds14:38 - Robo Advisors15:27 - TD E-Series16:47 - ETFs 17:45 - Buying American ETFSGet $10 When You Join Wealthsimple TradeIt would mean the world to me if you left me a review on whatever platform you're listening on ✩ SOCIALS: ✩instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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 Pension7:17 - Benefits of Contributing to an RRSP10:25 - Contribution Limits11:04 - What you Can Hold in your RRSP11:42 - What Can't You Hold?13:10 - RRSP Loan StrategyGet $10 When You Join Wealthsimple TradeIt would mean the world to me if you left me a review on whatever platform you're listening on✩ CONNECT WITH ME: ✩instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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. Here's what we get into: 3:13 - Common Misconceptions about Mortgages5:55 - What is a Mortgage9:50 - HELOCs11:50 - Interest Rates23:03 - Why Work with a Mortgage Broker27:16 - Should You Buy Property with a Friend?31:15 - Should I Pay Off My Mortgage EarlyGet $10 When You Join Wealthsimple TradeIt would mean the world to me if you left me a review on whatever platform you're listening on.✩ CONNECT WITH GINA: ✩Instagram: @iamginajudgePodcast: The Millennial Money Guide Podcast✩ CONNECT WITH ME: ✩instagram: @missfindependentTikTok: @nikafarbFor contact or business inquiries: media@missfindependent.com

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 FBA2:05 - What is Wholesale Selling?5:58 - Elite Wholesale10:57 - The Future of Amazon✩ CONNECT WITH MIKE: ✩Instagram: @mmsiebenYoutube: TheMikeSiebenLearn more about Elite Wholesale✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 Sales16:30 - Pros and Cons of working in Sales28:26 - The Worst Sales Call31:34 - How Sales Opens DoorsHope you enjoy this one.✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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.Here's what I get into: 1:33 - How inflation is affecting prices4:18 - State of the job market7:02 - Interest rates & the Fed9:24 - WTF is the Yield Curve11:07 - Taking a snapshot of your finances13:43 - Dealing with market volatility15:24 - Career opportunities and levelling up your skill set16:04 - Good debt vs. bad debt 18:48 - Boosting your credit score20:21 - Importance of saving22:40 - Recession proofing your investments Hope you enjoy this one.Free Intro To Investing WorkshopSpots are Limited. Make Sure You Sign Up!!✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 Why5:00 -  Start Small9:57 - Know Your Business (or the situation) In and Out15:33 - Fear Setting19:16 - The Dip22:51 - The Cul-De-Sac24:09 - The CliffGet $50 When you Sign Up For Wealthsimple✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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. Here's what we get into: 1:49 - The KarWells3:39 - Dealing With Conflict6:19 - B.C. (Before Covid)11:11 - Vetting Guests & Investments16:24 - Airbnb Arbitrage20:15 - Designing an Airbnb23:47 - Tips For Building Your AirbnbStay Tuned! SuperHost Labs - Part 2 Coming SoonLearn more: Short Term Rentals 101✩ CONNECT WITH SARAH & EMILY: ✩ The Karwells on TikTokThe Karwells on IG✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 work8:45 - Why use a Robo-Advisor11:20 - What do Robo-Advisors invest in?14:15 - Benefits of using a robo-advisor25:20 - Comparing robo-advisors in Canada✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 media7:38 - Investing in Gold12:32 - Crypto Scams15:41 - Binary Options19:08 - Forex Scams22:26 - Pump & Dump Schemes25:50 - Retirement Savings Unlocking Scheme✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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: Cleanser16:52 - Step 2: Exfoliating21:38 - Step 3: Toner26:15 - Step 4: Eye Cream33:45 - Step 5: Moisturizer37:10 - Step 6: SPF41:05 - Step 7: Facials Huberman Lab Episode:https://open.spotify.com/episode/2ebY3WNejLNbK47emgjd1E?si=f232f2ae099b4a7c✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 Luv13:10 - The 4 People You'll Meet22:08 - Dealing with Social Anxiety22:49 - Body Language24:56 - Mastering Your EmotionsDISC Personality Test: https://www.123test.com/disc-personality-test/✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 Born9:37 - Rewiring The Narrative 11:21 - Why Alyssa Left Her Job to Grow Lilia16:56 - Going After Venture Capital21:23 -  Egg Freezing For Entrepreneurial Women26:15 - Why I Decided To Freeze My Eggs29:00 - The Shocking Truth About Fertility37:20 - The Steps and Costs44:26 - Eggs vs. Embryos49:39 - Why LiliaI hope you enjoy this one as much as I did. Please share with your family or friends that might benefit from this as well. Connect with Alyssa: Learn More on Lilia's WebsiteLearn More on ForbesConnect with Alyssa on InstagramConnect with Alyssa on Twitter✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 Market10:42 - Defining Proptech12:03 - How SingleKey Started17:04 - Rent Guarantee for Landlords21:48 - Landlord Fraud27:29 - Know Your Rights as a Tenant38:40 - Standard Rent Agreements47:41 - Adding Supply To the Market49:06 - Pay Rent and Build Credit History with SingleKeyConnect with Viler: Learn More on SingleKey's WebsiteConnect with SingleKey on Instagram✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 situations10:00 - How to save for a downpayment11:52 - How mortgages are calculated17:28 - GDS and TDS ratios26:07 - Building Equity27:46 - Price-to-Rent ratio33:43 - Opportunity costHousing Affordability NBC✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 Cards7:02 - Business Cards7:18 - Store Cards10:12 - Cash Back Cards12:36 - Travel Cards17:32 - Rewards Cards25:11 - Rental Car Insurance26:35 - Mobile Device Insurance28:32 - Purchase Insurance31:22 - Airport LoungesCredit Karma✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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-Fried5:14 - Arbitrage6:53 - How does SBF become a Billionaire?9:00 - Scaling FTX14:20 - The Bahamas15:40 - The Downfall of FTX25:35 - The Residual Impact31:33 - SBF Political Involvement✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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 procrastinating5:00 - When I discovered FI/RE10:37 - The FI/RE Movement25:51 - How to calculate your FI/RE number29:36 - BRRRR StrategyYou're Not So Smart EpisodeCompound Interest Calculator✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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. Compound Interest Calculator✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

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.More about Jessica Wu: Jessica is a lecturer at the Lincoln Alexander School of Law at Ryerson University in Toronto. She teaches foundational Canadian law, family law, business and contract law to future lawyers, paralegals, and law clerks, and she's taught at a plethora of institutions. 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.Learn more at Jessica Wu LawConnect with Jessica Wu on InstagramConnect with PrenupClub on Instagram

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: American Express Platinum CardAmerican Express Business Platinum CardAmerican Express Cobalt CardAmerican Express Green CardAmerican Express Aeroplan Reserve CardMarriott Bonvoy American Express CardGet 100,000 MR Points By Signing Up Through My Referral✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com

This episode honours and celebrate some of the amazing, trailblazing women that have come before us, and radically transformed life as we know it. The purpose is to highlight how far we've come as a society, and how much we've moved the needle over centuries... but there's still much work to be done. 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: 5:18 - Ada Lovelace9:26 - Lilian Bland11:48 - Margaret Hamilton14:40 - Madam CJ Walker19:27 - Maggie Lena Walker22:00 - Muriel Siebert25:04 - Geraldine Weis✩ CONNECT WITH ME: ✩Instagram: @missfindependentTikTok: @nikafarbLearn more at missfindependent.comFor contact or business inquiries: media@missfindependent.com