Moolala: Money Made Simple with Bruce Sellery

Signing a lease can feel like reading fine print you're expected to ignore, but the stakes are high. Lawyer Lisa Mackie explains the key terms renters should understand, common red flags, what landlords can and cannot ask for, and how provincial rules, municipal bylaws, and federal protections (like privacy and human rights) shape your rights. Find out more on ahbl.ca and connect on LinkedIn(ahbl) and Instagram(ahbl). Connect with Lisa on LinkedIn.

Parents supporting adult children is common, but often hidden. Lindsey Stanberry reframes it as a “boomer lifestyle subsidy” and explores why people stay quiet, how childcare and education support can be as powerful as a cheque, and how being more open can reduce shame, comparison, and confusion. Find out more on thepurse.co and connect on Instagram.

Doug Hoyes breaks down what the latest bankruptcy study shows: higher balances, more creditors, and growing strain that is increasingly structural rather than tied to one crisis event. They unpack the impact of inflation, housing costs, and why people should reach out for help early, before high-interest borrowing makes the math impossible. Find out more on hoyes.com and connect on X.

Online shopping, tap-to-pay, and one-click checkout remove the pause that used to protect our budgets. Hanna Horvath explains “friction maxxing” and shares practical tactics to slow impulse buys, like deleting shopping apps, removing saved payment info, using a 24 - 48 hour waiting rule, and making saving and investing automatic. Find out more on Substack and connect on Instagram and TikTok.

It's never been easier to spend money, and that “one click” convenience is quietly reshaping our budgets. In this episode, Bruce explores friction maxing with certified financial planner and money psychology expert Hanna Horvath, including practical ways to slow down impulse purchases and make saving more automatic. Then, insolvency trustee Doug Hoyes breaks down what his firm is seeing in Canada's latest bankruptcy study, from higher balances and more creditors to mounting pressure from food costs, unemployment, and housing. Next, Lindsey Stanberry (The Purse) tackles the taboo topic of parents supporting adult children, and why more transparency around the “bank of mom and dad” matters. Finally, lawyer Lisa Mackie shares what renters should know before signing a lease, including key terms, red flags, and how laws at different levels of government shape your rights. To find out more about the guests check out: Hanna Horvath: Substack | Instagram | TikTok Doug Hoyes: hoyes.com | X Lindsey Stanberry: thepurse.co | Instagram Lisa Mackie: ahbl.ca | LinkedIn(ahbl) | Instagram(ahbl) | LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Wealth manager and author Geoff Saab (Low Risk Rules) makes the case for simpler, lower-cost, fully liquid investing, especially for entrepreneurs who are used to taking risks in business. They talk about the hidden cost of fees, why illiquidity can be dangerous, and why even pros cannot consistently predict market outcomes, making a disciplined long-term approach more reliable. Find out more on Substack and connect on X.

Jon Shell, Chair of Social Capital Partners and a board member at Employee Ownership Canada, explains employee ownership trusts (EOTs) and how they allow employees to collectively own a privately held business through a trust. They cover what changed in 2024, why policy and tax incentives matter, how EOTs are financed, and what research from the US and UK suggests about performance, investment, and long-term incentives. Connect with Jon on LinkedIn.

Wealthsimple's David Mak explains how securities lending works for retail investors, including why someone would lend shares, what borrowers do with them, and how fees are set. Bruce asks the practical questions around risk, collateral, and whether lending affects your ability to sell, plus how stock lending has become more visible as retail investing grows. Find out more at wealthsimple.com and connect on X, Instagram and Facebook.

Glassdoor career pivot strategist Janel Abrahami joins Bruce Sellery to unpack “career minimalism,” the trend of doing the bare minimum at work to make room for life outside the office. They discuss why it resonates with Gen Z and beyond, how it can be a seasonal strategy rather than a forever mindset, and what employees should understand about trade-offs like performance reviews, advancement, and income. Find out more at janelabrahami.com and connect on Instagram, TikTok and LinkedIn.

What does career minimalism really mean, and why is it showing up in Gen Z work culture? Bruce Sellery speaks with Glassdoor career pivot strategist Janel Abrahami about the idea of doing the minimum at work to create space for health, family, and life outside the office, plus what this trend can look like for employees and employers. Then, Wealthsimple's David Mak breaks down securities lending (stock lending), including how investors can potentially earn extra income by lending shares, what borrowers use those shares for, and how risk and collateral work. Next, Jon Shell from Social Capital Partners explains employee ownership trusts in Canada, how EOTs can help business owners transition succession to employees, and why employee ownership could strengthen communities and the Canadian economy. Plus, wealth manager and author Geoff Saab (Low Risk Rules: A Wealth Preservation Manifesto) shares why simple, low-fee, liquid investing can beat “prestige” products over the long run. Listen for practical takeaways you can use right now, whether you are building a career, growing a portfolio, or planning a business exit. To find out more about the guests check out: Janel Abrahami: janelabrahami.com | Instagram | TikTok | LinkedIn David Mak: wealthsimple.com | X | Instagram | Facebook Jon Shell: LinkedIn Geoff Saab: Substack | X Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Divorce is emotionally and logistically overwhelming, which is exactly why insurance details can get missed. Farzana Damji, Senior Director at RBC Insurance, walks through the biggest pitfalls, including outdated beneficiaries, cancelling coverage too soon, and not discussing insurance during settlement conversations. They cover life insurance, disability, and critical illness, and the key questions newly single people should ask to protect financial stability. Find out more at rbcinsurance.com and connect on LinkedIn (RBC) and Facebook (RBC). Connect with Farzana on LinkedIn.

Financial educator and author Kelley Keehn shares the core message of her book Save Yourself and why changing money outcomes often starts with changing your money story. Kelley and Bruce explore identity, shame, and the brain-based patterns that trip people up, plus how AI can help people get more honest, build awareness, and start rewriting the narrative that keeps them stuck. Find out more at kelleykeehn.com and connect on Instagram, Facebook and check out Save Yourself.

Willpower is unreliable, especially in a world where spending is frictionless. CPA and author Robin Taub explains “situational agency,” the idea of designing your environment to make good money choices easier. Bruce and Robin dig into practical levers like paying yourself first, automating bills, and removing spending triggers so you can spend less, save more, and stick with habits that support your long-term goals. Find out more at Substack and connect on LinkedIn and Instagram.

Tuition can be a major barrier for international students pursuing Canadian graduate programs. Shawn Good, President and CEO of Libro Credit Union, explains how Libro partners with leading business schools, including the Smith School of Business at Queen's University, to offer financing and support. Shawn and Bruce discuss access, inclusion, and what it means to evaluate borrowers when traditional credit history is limited. Find out more at libro.ca and connect on LinkedIn (Libro), Instagram (Libro) and Facebook (Libro). Connect with Shawn on LinkedIn and Instagram.

Willpower is a great idea, but it rarely holds up when money decisions get real. In this episode of Moolala: Money Made Simple, Bruce Sellery explores situational agency with CPA and author Robin Taub, breaking down how to design your environment so saving becomes easier and impulsive spending gets harder, from “pay yourself first” automation to removing digital spending triggers. Then, Farzana Damji (Senior Director, RBC Insurance) shares what divorcing couples need to know about life insurance, beneficiaries, and timing, including common mistakes that can create costly consequences. Plus, Shawn Good (President and CEO, Libro Credit Union) explains a financing option aimed at helping international students access high-cost Canadian business programs, and financial educator Kelley Keehn discusses Save Yourself and how identity, psychology, and even AI tools can help people change their relationship with money. To find out more about the guests check out: Robin Taub: Substack | LinkedIn | Instagram Kelley Keehn: kelleykeehn.com | Instagram | Facebook | Save Yourself Farzana Damji: rbcinsurance.com | LinkedIn | LinkedIn (RBC) | Facebook (RBC) Shawn Good: libro.ca | LinkedIn (Libro) | Instagram (Libro) | Facebook (Libro) | LinkedIn | Instagram Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Artificial intelligence is reshaping financial services, and the biggest changes may be happening where you cannot see them. Bruce speaks with financial planner and fintech expert Jason Pereira about how AI can automate back-office work, improve self-serve tools, and help advisors spend less time on paperwork and more time coaching clients. Jason also explains why AI answers can still be wrong, what “good enough” tech adoption looks like inside massive institutions, and why open banking in Canada keeps lagging. If consumers ever get real control over their financial data, Jason says underwriting for mortgages, loans, and credit could become faster, more personal, and far less frustrating. Connect with Jason on Facebook,  X, and Instagram.

What's different about money for queer people, and what can everyone learn from that perspective? Bruce talks with author Nick Wolny about Money Proud: The Queer Guide to Generate Wealth, Slay Debt, and Build Good Habits to Secure Your Future. They unpack how stress, identity, and life priorities shape financial decisions, why “minority stress” can affect everything from saving to emotional regulation, and how allies can show up with small check-ins that matter. Nick also shares the idea of the “golden cage,” where lifestyle inflation traps people in jobs they do not even like, and why building a sustainable, joyful life is a real personal finance strategy. Find out more at nickwolny.com and connect on Instagram and X.

Pay transparency is rolling out across Canada, and it changes the job search in a big way. Bruce Sellery speaks with career coach and Mums at Work founder Allison Venditti about why posting salary ranges matters, how transparency can reduce the motherhood-driven gender pay gap, and what employers need to fix behind the scenes to avoid internal inequities. They also dig into return-to-office mandates and why they can push out top talent, especially women and caregivers, plus the biggest gaps in Canada's parental leave system and the policy ideas Allison wants on the table next. Find out more at thisismomsatwork.com and connect on Instagram and Facebook.

Pay transparency is becoming the law across Canada, and it is reshaping how people job hunt, negotiate, and get paid. Bruce Sellery talks with career coach and Mums at Work founder Allison Venditti about why salary ranges matter, how pay transparency can help close the motherhood-driven gender pay gap, and what employers need to get right as policies roll out. Then Bruce explores AI and personal finance with fintech expert Jason Pereira, from how automation is transforming bank back offices to how smarter client-facing tools could change the way Canadians manage money. Plus, author Nick Wolny joins to discuss Money Proud and what personal finance can look like through a queer lens. To find out more about the guests check out: Allison Venditti: thisismomsatwork.com | Instagram | Facebook Nick Wolny: nickwolny.com | Instagram | X Jason Pereira: Facebook | X | Instagram Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Life doesn't always go according to plan, and Marlene Chiarotto's story is a powerful reminder of why financial preparedness matters. As a CPA, Marlene thought she had her financial life under control—until she became a widow at age 42 with two children to support. In this segment, she discusses her book "Achieve Financial Freedom on Your Terms" and the profound lessons she learned about money, legacy, and values through this life-changing experience. Marlene shares practical wisdom about setting SMART goals, the 50/30/20 budgeting rule, and how to align your financial decisions with what truly matters to you. This conversation offers both tactical financial advice and the perspective that comes from navigating real hardship. Find out more about Marlene on Facebook, LinkedIn and Instagram.

Buying or selling a home is one of the biggest financial decisions you'll make, and having the right realtor can make all the difference. Anne Alkok, broker of record at Wahi, shares expert guidance on how to select a realtor who's right for you and how to maximize that relationship. She discusses the important questions to ask potential agents, the value they provide throughout the process, and what you should expect from a professional real estate relationship. With statistics showing that only about 1 in 10 licensed realtors in the Toronto area sell at least one house per month, Anne's insights help you identify experienced professionals who can truly serve your needs. Find out more at wahi.com and connect on Instagram

Medical students face unique financial challenges that most other professionals don't encounter. With average debt loads of $150,000 (and access to lines of credit up to $400,000), delayed earning years, and the complexities of running fee-for-service practices as sole proprietors, physicians need specialized financial education. Dr. Stephanie Zhou developed a groundbreaking financial literacy curriculum for medical students at the University of Toronto to address these exact issues. In this segment, she discusses the importance of understanding debt management, business fundamentals, and financial planning for those in the medical profession. If you're a medical student, physician, or simply interested in professional-specific financial education, this conversation offers valuable insights. Find out more at physiciansficonference.com and connect on Instagram,| LinkedIn and YouTube.

Amanda Schultz, founder of Scene Change, knows firsthand how challenging it can be to pivot from the entertainment industry to corporate roles. After working as a TV producer on shows like Big Brother Canada, Amanda made the leap to corporate consulting and now helps other entertainment professionals do the same. In this conversation, she shares how skills like adaptability, project management, and storytelling are incredibly valuable in corporate settings, even if they don't appear that way on a traditional resume. Whether you're considering a career change or just curious about how to better communicate your transferable skills, this segment offers practical guidance and encouragement. Find out more at scenechange.ca and connect on TikTok, Instagram and Facebook.

This episode explores money management across different career stages and industries. Amanda Schultz, founder of Scene Change, shares her journey from TV producer on shows like Big Brother Canada to corporate consulting, and how she's helping entertainment professionals translate their unique skills, like adaptability and project management, into other industries. Dr. Stephanie Zhou discusses her groundbreaking financial literacy curriculum for medical students at the University of Toronto, addressing the unique challenges physicians face with high debt loads (averaging $150,000), delayed earning years, and the complexities of running fee-for-service practices. Bruce Sellery also speaks with Anne Alkok, broker of record at Wahi, about maximizing your relationship with a realtor and what to look for when choosing one for buying or selling your home. The episode concludes with CPA Marlene Chiarotto discussing her book "Achieve Financial Freedom on Your Terms" and the powerful lessons she learned about money, legacy, and values after becoming a widow at age 42. From career transitions to professional-specific financial education to major life changes, this episode covers essential money topics for wherever you are in your journey. To find out more about the guests check out: Amanda Schultz: scenechange.ca | TikTok | Instagram | Facebook Dr. Stephanie Zhou: physiciansficonference.com | Instagram | LinkedIn | YouTube Anne Alkok: wahi.com | Instagram Marlene Chiarotto: Facebook | LinkedIn | Instagram Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

In our increasingly digital world, financial scams are becoming frighteningly sophisticated. Larry Zelvin, head of the Financial Crimes Unit at BMO Financial Group, exposes how criminals are weaponizing AI to commit fraud through deepfakes, phishing emails, and digital pickpocketing. Discover the warning signs of AI-enabled scams, why QR codes require extra caution, and what banks are doing behind the scenes to protect customers with voice recognition and fraud detection AI. Larry shares red flags to watch for, including urgency tactics, unusual payment methods, and deals that seem too good to be true, plus practical tips for protecting yourself when traveling, vetting suspicious websites, and defending against the latest fraud tactics. Essential listening for anyone who wants to stay one step ahead of scammers. Find out more on LinkedIn, Facebook, X, Instagram and YouTube.

When a large sum of money arrives after a traumatic event, whether from a life insurance payout, civil settlement, or class action lawsuit, the emotional complexity can be overwhelming. Trauma therapist Shannon Maroney joins us to explore the intersection of money and trauma, addressing the shame, guilt, and fear that often accompany these windfalls. Learn why you should wait at least one year before making major financial decisions, how to view settlement money as a "pay forward" rather than payback, and strategies for making emotionally congruent decisions that align with your values. Shannon shares crucial insights on building trust with advisors, understanding your relationship with money, and using these funds to create meaning and security in your life while you're still healing. Find out more at shannonmoroney.com and connect on Instagram.

What if managing money wasn't about willpower, but about working with your existing habits? Mike Michalowicz, author of The Money Habit, reveals a revolutionary approach to personal finance using multiple bank accounts as a modern envelope system. Discover how behavioral intercepts work, why debit cards are more powerful than credit card points, and how Parkinson's Law can help you spend less automatically. Mike shares his personal story of losing everything on Valentine's Day and the hard-earned wisdom that led to his transformation. Learn practical strategies for achieving cash confidence, managing debt, and navigating the financial seasons of your life, from recovery to funding to balance. Find out more at mikemichalowicz.com and connect on Instagram and LinkedIn.

What if managing money wasn't about willpower, but about working with your existing habits? Mike Michalowicz, author of The Money Habit, reveals a revolutionary approach to personal finance using multiple bank accounts as a modern envelope system. Learn how to achieve cash confidence through behavioral intercepts, why debit cards beat credit card points, and how Parkinson's Law can help you spend less automatically. Plus, trauma therapist Shannon Maroney shares crucial insights on navigating financial windfalls that arrive after traumatic events—from life insurance payouts to civil settlements—and how to make emotionally congruent decisions about money when you're still healing. In our increasingly digital world, financial scams are becoming frighteningly sophisticated. Larry Zelvin, head of the Financial Crimes Unit at BMO Financial Group, exposes how criminals are weaponizing AI to commit fraud through deepfakes, phishing emails, and digital pickpocketing. Discover the warning signs of AI-enabled scams, why QR codes require extra caution, and what banks are doing behind the scenes to protect you. From managing debt with behavioral psychology to protecting yourself from the latest fraud tactics, this episode delivers practical strategies for every stage of your financial journey. Whether you're building better money habits, processing a financial windfall, or defending against scammers, you'll find actionable advice to help you get a better handle on your money. To find out more about the guests check out: Mike Michalowicz: mikemichalowicz.com | Instagram | LinkedIn Shannon Maroney: Instagram Larry Zelvin: LinkedIn | Facebook | X | Instagram | YouTube Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Claudia Hepburn, CEO of Windmill Microlending, explains how her national charity helps skilled immigrants overcome financial barriers to professional accreditation in Canada. Windmill provides affordable micro-loans of up to $15,000 at just below prime rates, along with financial literacy training, career coaching, and mentorship to help newcomers challenge exams and get re-accredited in their fields. With the average client more than tripling their income after receiving support, Windmill is proving that removing financial obstacles can unlock tremendous potential for Canada's economy. Connect on LinkedIn, Instagram and Facebook.

Writer, editor, and critic David Berry explores the complex relationship between art and money, revealing that less than 15% of artists throughout history have ever made a full-time living from their creative work. He discusses the importance of artists viewing themselves as their own patrons, finding sustainable day jobs that leave time for creativity, and overcoming the cultural stigma that thinking about money somehow poisons artistic expression. Berry emphasizes that passion alone won't sustain you when you go to bed hungry—managing money is essential to honoring your creative gift. Find out more at thedavidberry.com and connect on Instagram.

Financial journalist and author Renée Sylvestre-Williams reveals the hidden financial penalties that single Canadians face, from shouldering housing costs alone to missing out on tax benefits like income splitting in retirement. She explains why building a strong support team—including lawyers, financial advisors, and friends—is critical for solo earners, and emphasizes the importance of estate planning and powers of attorney when you don't have a spouse to automatically inherit your assets or make decisions on your behalf. Connect on Instagram and find out more on Substack and pick up The Singles Tax: No-Nonsense Financial Advice for Solo Earners

Financial educator and behavioral finance expert Preet Banerjee explains how artificial intelligence is transforming the financial services industry, from chatbots handling customer service to the promise of democratizing quality financial advice for everyday Canadians. He warns about the dark side of AI, including sophisticated hyper-personalized phishing scams targeting new employees, and shares practical strategies to protect yourself while using AI to fact-check financial advice and make smarter money decisions. Connect on Instagram.

Artificial intelligence is reshaping how Canadians manage their money, but is it helping or hurting? Financial educator and behavioural finance expert Preet Banerjee reveals how AI is transforming financial services, from chatbots providing 24/7 customer support to the promise of democratizing quality financial advice for everyday Canadians. But there's a dark side: scammers are using AI to create sophisticated, hyper-personalized phishing attacks that can drain your bank account before you realize what's happened. Preet shares practical strategies to protect yourself while leveraging AI's benefits, and explains why adding friction to your spending decisions might be the smartest financial move you can make. Then, financial journalist Renée Sylvestre-Williams tackles the hidden costs of being single in Canada, from higher housing costs to retirement anxiety, and why building a strong support team is more critical than ever for solo earners. The episode continues with writer David Berry discussing his book on how artists navigate the often-contradictory relationship between creative expression and financial survival, revealing why most successful artists throughout history never made a full-time living from their art alone. Finally, Claudia Hepburn, CEO of Windmill Microlending, explains how her national charity is helping skilled immigrants overcome the financial barriers to professional accreditation in Canada through affordable micro-loans of up to $15,000. With the average client more than tripling their income after receiving support, Windmill is proving that small financial interventions can create life-changing opportunities for newcomers ready to contribute their skills to the Canadian economy. To find out more about the guests check out: Preet Banerjee: Instagram Renée Sylvester-Williams: Instagram | Substack | The Singles Tax: No-Nonsense Financial Advice for Solo Earners David Berry: thedavidberry.com | Instagram Claudia Hepburn: LinkedIn | Instagram | Facebook Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

ADHD coach and former CFO Leanne Gawley joins Credit Canada facilitator Kelly Cowan to explore how ADHD affects financial management. She explains how ADHD brains are wired for immediate dopamine hits versus delayed gratification, leading to impulse buying driven by instant gratification, lack of impulse control, and FOMO (fear of missing out). Leanne discusses "time blindness"—where the future doesn't feel like now—and why deadline-driven completion is so common. She shares practical strategies including breaking budgets into 10-minute segments, implementing waiting periods (2-24 hours) before purchases, and asking support partners the key question: "How can I best support you?" Resources available through the Canada ADHD Society can provide additional support. Find out more at leannegawley.ca and connect on LinkedIn, Instagram and Facebook.

Simon Brascoupe introduces "Braiding Mind, Body, and Spirit," a culturally relevant financial wellness resource developed with Prosper Canada and the Aboriginal Financial Officers Association of Canada. Using the braiding metaphor, the resource addresses Mind (financial tools and knowledge), Body (protection strategies), and Spirit (holistic teachings). Simon discusses how the resource helps address "sudden wealth syndrome" when receiving lump sum payments, and includes activities like "Coloring My Dreams" for visualization, "My Money is Medicine" for reframing money as a positive force, and financial wellness journaling. He also highlights the challenge of limited bank access in Indigenous communities, with only three to four First Nations in Ontario having banks. Connect with Simon on Instagram.

Lisa MacIntyre-Smith, CEO of Furble, explains why veterinary care costs are rising faster than standard inflation due to staffing shortages, medication supply issues, and advanced diagnostic equipment. With 50% of pet parents now skipping vet visits due to costs, Lisa introduces a solution: prescription medications delivered directly to homes at reduced costs compared to veterinary clinics. Many pet owners don't even realize their vet has written prescriptions for medications like flea and tick prevention, which can be filled through pharmacy partners at significant savings. Find out more at furble.com and connect on Instagram and X/Twitter.

Personal finance columnist Lesley-Anne Scorgie shares the three key indicators that it's time to break up with your financial advisor: poor communication, underperformance against benchmarks over seven years, and an inability to think holistically about your finances. She explains how to request a "total household rollup performance report" to evaluate your advisor's true performance, how fee structures like 2%+ MERs make it harder to meet benchmarks, and why many advisors are now lowering fees to compete with robo-advisors. Lesley-Anne also walks through the surprisingly simple logistics of transferring assets to a new advisor and provides scripts for having that difficult conversation. Find out more at mevest.ca and connect on Facebook, Instagram and X/Twitter.  

Sometimes breaking up is the right thing to do, even with your financial advisor. Lesley-Anne Scorgie, personal finance columnist at the Toronto Star and founder of MeVest, shares the red flags that signal it's time to move on, from poor communication and underperformance to misaligned fees. She explains how to evaluate your advisor using a "total household rollup performance report," compare results against seven-year benchmarks, and navigate the surprisingly simple logistics of switching advisors. Plus, Lisa MacIntyre-Smith, CEO of Furble, discusses why pet care costs are outpacing inflation and how Canadians can access more affordable veterinary medications through pharmacy partners instead of clinic dispensing. Simon Brascoupe introduces "Braiding Mind, Body, and Spirit," a culturally relevant financial wellness resource for Indigenous communities that addresses sudden wealth syndrome, protective planning, and holistic money management through teachings and journaling. Then, ADHD coach Leanne Gawley joins Credit Canada facilitator Kelly Cowan to explore how ADHD affects financial management, from dopamine-driven impulse buying and time blindness to budget overwhelm. Leanne shares practical strategies like breaking tasks into 10-minute segments, using accountability buddies, and implementing waiting periods before purchases to help neurodivergent individuals build healthier money habits. To find out more about the guests check out: Lesley-Anne Scorgie: mevest.ca | Facebook | Instagram | X/Twitter Lisa MacIntyre-Smith: furble.com | Instagram | X/Twitter Simon Brascoupe: Instagram Leanne Gawley: leannegawley.ca | LinkedIn | Instagram | Facebook Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

To close the show, Bruce speaks with Michelle Pannor Silver, professor at the University of Toronto and author of Aging with Agility: How Elite Athletes and Ordinary Folks Embrace Exercise with Age. They connect physical health, longevity and money, reframing the body as a key resource that affects retirement costs, healthcare spending and quality of life. Michelle shares insights from elite athletes and everyday older adults who are in the best shape of their lives, practical tips for staying active as we age (including small daily habits and mindset shifts), and why aging doesn't have to mean deteriorating – especially if we “invest” in our bodies with the same intention we bring to our finances. Find out more at michellepannorsilver.com  

Bruce welcomes CPA and author Maya Corbic to talk about her book From Piggy Banks to Stocks, a kid-friendly guide to investing and financial literacy. Maya explains why saving alone isn't enough to build wealth, how to teach kids about inflation and compound interest, and why simple tools like index funds and ETFs can help families invest for the long term. She shares how parents can learn alongside their children, use real brands kids already know (like tech and entertainment companies) to make investing relatable, and give kids safe “hands-on” experience with markets so they grow up confident, informed investors. Connect with Maya on Instagram, Facebook and X/Twitter.

In this segment, Bruce dives into new research from Home Equity Bank with chief financial commentator Pattie Lovett-Reid on financial literacy among women aged 55+. They explore why many older women rate their money confidence lower than men, how old taboos about talking about money still linger, and why “Plan B” thinking is essential for retirement and widowhood. Pattie shares stories from her 92-year-old mother, discusses the realities of aging in place, reverse mortgages, and single-income retirement, and offers practical steps for women to build confidence, define wealth on their own terms, and take ownership of their financial future. Connect with HomeEquity Bank on Instagram, Facebook and LinkedIn. Also connect with Pattie on Instagram and check out the HerMoneyMatters episode on YouTube.

Bruce talks with Laurie Fox, campaign director of Willpower, about how Canadians can use their wills to leave a powerful charitable legacy without shortchanging their families. They discuss why only about 10% of Canadians currently include a charity in their will, how even 1% of an average estate can become a five-figure gift, and the significant tax benefits of gifting through your will – including donating securities and reducing or even eliminating estate taxes. Laurie also shares tips on choosing charities, doing due diligence, and keeping your legacy gift flexible so it can have the greatest impact over time. Connect with Laurie on  Instagram, Facebook  and LinkedIn.

This episode of Moolala: Money Made Simple with host Bruce Sellery spans every age and stage of your financial life. Bruce starts with wills and legacy giving, speaking with Laurie Fox, campaign director of Willpower, about how more Canadians are choosing to leave a charitable gift in their will – and why even 1% of your estate can create a meaningful, tax-efficient legacy while still putting family first. Then he dives into new research from Home Equity Bank with chief financial commentator Pattie Lovett-Reid, unpacking what older women say about their financial literacy, fears about outliving their money, and the realities of aging in place on a fixed income. Next, Bruce turns to the kids' table with Maya Corbic, CPA, author of From Piggy Banks to Stocks, on how parents can teach children the basics of investing, compound interest, and long-term wealth building in a way that's fun and non-intimidating. Finally, he explores why your body is one of your most important financial assets with Michelle Pannor Silver, professor at the University of Toronto and author of Aging with Agility: How Elite Athletes and Ordinary Folks Embrace Exercise with Age. Together, they connect physical health, longevity, and mobility to the money choices you make today – from retirement planning to healthcare costs and quality of life in your older years. To find out more about the guests check out: Laurie Fox: Instagram | Facebook | LinkedIn Pattie Lovett-Reid: Instagram | YouTube Episode HomeEquity Bank: Instagram | Facebook | LinkedIn Maya Corbic: Instagram | Facebook | X/Twitter Michelle Pannor Silver: michellepannorsilver.com Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

To wrap up the episode, Bruce interviews Didier Lavallée, CEO of Calgary-based Tetra Digital, about Stablecoin, a type of cryptocurrency designed to maintain a stable value. Didier breaks down what Stablecoin is, how it's backed by traditional dollars, and why it can move money globally in seconds at very low cost. He also talks about regulation, how Stablecoin differs from volatile crypto like Bitcoin, and what everyday Canadians might see in the next decade—from cross-border payments to digital dollars built into everyday apps. Connect with Didier on LinkedIn and find out more with Tetra Digital on LinkedIn.

Bruce speaks with Lucianna Adragna, Vice President of Client Segments at RBC, about new research on how Canadian parents feel about talking to their kids about money. Lucianna shares why so many parents lack confidence, how their own financial stress holds them back, and why waiting for “big life moments” to start the conversation is a missed opportunity. She offers practical ways to weave money lessons into everyday life—at the grocery store, with allowances, and with simple save/spend/give systems—so kids can learn healthy habits long before they move out on their own. Connect on X/Twitter, Facebook and Instagram.

In this segment, Bruce is joined by Julie Kuzmic, Head of Consumer Advocacy and Compliance at Equifax Canada, to unpack the light bulb moments around credit scores. Julie explains why being a secondary cardholder can leave you with no recent credit history, how buy now–pay later and payday loans might show up on your report, and why your utilization at statement time can drag your score down even if you pay in full. She also covers how long negative items like collections stay on your file, what can cause your score to rebound quickly, and why checking your credit report regularly is essential. Connect with Julie on  X/Twitter and LinkedIn.

Bruce Sellery talks with personal finance expert and author Preet Banerjee about the “light bulb moment” that changed his money life as a teenager: automatic savings and the astonishing power of compound interest. Preet walks through simple examples that show why starting early matters more than saving perfectly, how small increases in your contributions can more than double your nest egg, and why high-interest credit card debt is compounding working against you. If you've ever wondered whether those online calculators are “too good to be true,” this segment will flip the switch. Connect with Preet on Instagram.

In this episode we dive into the powerful “light-bulb moments” that can transform the way you manage your money. Bruce Sellery speaks with personal finance expert Preet Banerjee, who shares the compounding insight that changed his financial life at age 16—plus the surprising math behind why starting early matters far more than saving perfectly. Then, Bruce talks with Julie Kuzmic of Equifax Canada, who explains the often-misunderstood mechanics of credit scores, from utilization timing to how collection accounts really work. Later, RBC's Lucianna Adragna joins to unpack new research on why parents struggle to talk to their kids about money, and how to make financial lessons part of everyday life. The episode wraps with Didier Lavallée of Tetra Digital, explaining what Canadians need to know about Stablecoin, why it's gaining popularity, and how blockchain-enabled digital dollars may shape our financial future. A packed, practical episode full of insights to help Canadians make smarter, more confident money decisions. To find out more about the guests check out: Preet Banerjee: Instagram Julie Kuzmic: X/Twitter | LinkedIn Lucianna Adragna: X/Twitter | Facebook | Instagram Didier Lavallée: LinkedIn Tetra Digital: LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

In this episode of Moolala: Money Made Simple, Bruce dedicates a full hour to personal finance legend David Chilton, author of The Wealthy Barber. Nearly four decades and millions of copies later, Chilton has fully updated his Canadian classic for a new generation facing soaring housing costs, ubiquitous credit and constant social-media-fueled temptation. He shares the story behind the original book, why he chose a barbershop narrative, how he self-published before it was cool, and what really happened when Canada Trust and Costco helped turn The Wealthy Barber into a phenomenon. Bruce and David also talk about family, travel, homeschooling, and what it was like for his kids to grow up with “the Wealthy Barber guy” as their dad. Then, they dig into the money lessons that still matter most: paying yourself first, crushing high-interest debt, using spending summaries to spot the leaks, and why car costs are quietly wrecking so many budgets. David explains how small daily changes can add up to fully funding a TFSA, why side hustles can be a game-changer, and how high-fee products still undermine long-term returns. He also looks ahead to the future of money, from AI and employment to open banking, and shares the one change he wishes every Canadian would see: practical, engaging financial education for teens that actually sticks. Find out more check out thewealthybarber.com and connect on Instagram, Facebook, YouTube, TikTok, LinkedIn, and X/Twitter. Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Investment coach Aman Raina shares his personal story supporting a parent with dementia and outlines signs it may be time to help: compulsive calls, unpaid bills, or social withdrawal. He offers a compassionate playbook: start with check-ins, get power of attorney in place, organize key documents and accounts, and understand bank rules so you're acting on-side. For adult children juggling careers and families, Aman's framework reduces overwhelm and helps you move from awkward conversations to concrete steps that safeguard your parents' money and their dignity. Find out more on agingparentsfinance.com and connect on Threads, BluSky and LinkedIn.

Portfolio manager Matt Ardrey demystifies the RRSP-to-RRIF conversion: when it must happen, how minimum withdrawals are calculated, and ways to avoid common pitfalls like OAS clawback and large end-of-life tax bills. He covers in-kind transfers (to fund a TFSA or non-registered account without selling), coordinating multiple RRIFs, and building a portfolio that reliably generates income so you're not forced to sell at a loss. Practical, Canadian-specific guidance to make decumulation smoother and more tax efficient for the long haul. Connect on X/Twitter and LinkedIn.