Podcast appearances and mentions of beau humphreys

Episode 45 features Beau Humphreys, a BIA Insolvency Counselor with Hoyes, Michalos and Associates in Canada. A few years ago he started creating a presence online with the Canadian finance blog www.investwisely.ca and hosts the podcast, The Personal Finance Show where he interviews some of the biggest names in the Canadian personal finance space. Beau wasn't always great with money, in fact he struggled with a 20 year gambling addiction which forced him to make the tough decision to seek help and file for bankruptcy with Hoyes, Michalos and Associates. Years later the tables have turned and Beau is now counselling those in need of financial help and offers his wisdom to others. Tune in to my conversation with him to find out what gave him the courage to seek help, how it changed his life for the better and how we can all adapt to this new online world. You can find more about him and listen to the podcast at https://beauhumphreys.com/ or The Personal Finance Show on any podcast app and you can find him on social @beauhumphreys or @thepersonalfinanceshow If you are struggling with debt and could use some advice, consider visiting https://www.hoyes.com/ for a free consultation to learn more about your options. His biggest investments: Filing for Bankruptcy, his Transcendental Meditation practice which keeps him balanced and the networks hes created from starting his online presence with investwisely.ca and The Personal Finance Show. This podcast is for anyone who wants to use their time, money and energy more productively. My mission is to grow the culture of mindful, financially literate individuals who choose happiness over profits. I believe when you are truly happy, doing what you love and provide real value, people will notice and the money will come regardless. Imagine how great the world could be if everyone invested in themselves a bit more instead of wasting resources to impress people they don't even like? Be the change you want to see. Please Subscribe, Leave a Review, Leave a Rating and Share with anyone who may get some value out of it :) Find it on Apple Podcasts, Spotify, Breaker, RadioPublic, and Google Podcasts or anchor.fm/highleyinvested @makemorecapital / @highleyinvested www.makemorecapital.com Free Budget Tool: bit.ly/budgetbae Free PDF Create Your Own Passive Income Machine: bit.ly/pimachine Looking for a money coach to help you become a self reliable investor? bit.ly/mmccoaching Email or DM for Inquiries makemorecapital@gmail.com /highleyinvested@gmail.com Deuces, Jordan

Special Episode COVID-19 Weekly Update #2 For the second episode of the special COVID-19 weekly series, Dear Rubi host Rubina Ahmed-Haq and co-host Beau Humphreys discuss how ‘working from home’ is a privileged position. Most low income work has to be done in person, so again the poor suffer more. We’re not all in this together. We are all ‘in this’ differently.

Special Episode COVID-19 Weekly Update #1 Dear Rubi host Rubina Ahmed-Haq and co-host Beau Humphreys are back in the studio to discuss the COVID-19 pandemic and how it is affecting the personal finances of Canadians.  

Beau Humphreys appeared on episode 147 back in June, 2017; he shared his struggle with a gambling addiction, and that episode is one of our most downloaded episodes ever. Beau filed a consumer proposal with us in 2009, paid it off in three years, became a financial coach, and is now a fully accredited credit counsellor here at Hoyes Michalos. On today’s show Beau explains his approach to credit counselling, and he gives lots of practical advice on how he uses insolvency counselling to give our clients a fresh financial start.

#60: Beau Humphreys comes on the show to chat about how he started gambling at a young age, became addicted as an adult, why he used gambling as a coping mechanism for his undiagnosed ADD, why he felt like he had to file for bankruptcy, when his last relapse happened and how he's been doing since that time. For resources mentioned in this episode head to http://beyondthedollar.co/60

We spend more and buy stuff to make us happy, but does it? Does more really equal better? On today's show we dive into a recent blog post from the Four Pillar Freedom blog to look at the nature of happiness. Money is always intertwined in our view of "happy," probably because advertisers love making us think that if we just buy one more thing we'll finally get that elusive joy that we've been craving. We'll talk about joy, addiction, happiness and more on today's podcast with a team including Beau Humphreys from The Personal Finance Show, CFP Katie Brewer from Your Richest Life planning, and our own OG. Halfway through the showwe have a special treat where we usually feature our Friday Fintech spotlight. Today instead we'll shine a light on mortgages, because with his recent move to Detroit, Joe just found out that industry insider Joel Gurman from Quicken Loans is his neighbor! Joe invites Joel down to the basement today and quizzes him about the state of mortgages, how interest rates really work, what other fees are involved with mortgages, and more. It's a wide-ranging, fun conversation about the biggest loan many of us will ever have. But that's not all. We'll help C on the Magnify Money call-in segment. C is wondering about retirement withdrawal software. He feels that savings-wise, he is on course, but he wants to make sure that he is withdrawing in the most tax-efficient way. Thanks to AcreTrader for supporting Stacking Benjamins. For more information on how to become a farmland investor through AcreTrader, visit acretrader.com/sb

Beth MacMillan wants you to prioritize travel. In 2011, Beth and her husband, Mark, decided to use their saved up money and take a 6 month honeymoon around the world. You don't have to save $20,000 and buy round-the-world tickets like Beth did, but if you're interested in travel at all, you can pick up a lot of tips by listening to Beth's story. To be able to travel, you need 2 things, time and money. Maybe you have the time, but not the money, so you feel like you can't afford to go anywhere. Maybe you have the money, but not the time, so you can just fly somewhere for a weekend or a week and it doesn't seem worth the effort. There will always be barriers to travel, and if you have disposable income, there are a million things you can spend your money on instead of travelling. However, if you have the desire to travel, there are ways to make it a priority in your life. Every time you have extra money, you make a choice to use that money for something that is important to you. It doesn't have to be a lot of money, as Beth and I discuss in the episode. For Beth, travel was always top of the list. Maybe you're the same. Maybe you don't even realize it yet because you haven't been anywhere. Personally I believe every dollar spent on travelling is totally worth it. The “return on investment” of travel isn't dollars but it's a higher quality of life. But that's just me. And Beth, of course. P.S. If you want to ask Beth any questions about travel or concussions, you can email her here. NEXT EPISODE 100 - Financial Privilege with Tanja Hester, Kara Perez, and James Mwombela Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Sarah Li Cain wants you to be open to opportunities and to make independence a priority. Sarah was born in Hong Kong, grew up in Canada, has lived in Australia, South Korea and China, and is currently in the US. Sarah worked mainly as a teacher, but the key to her survival and success was to be open to opportunities along the way. Knowing that she couldn't be a teacher in the US if she moved there from China with her husband and new son, Sarah looked into ways to make money online. Sarah ended up finding freelance writing as something she could do from anywhere in the world and focused on personal finance writing. Today, Sarah makes over $100,000 a year working part-time from home, creating content for financial brands and online publications. It's not easy to create in-demand content and get paid for it, but her desires to be independent and to be free to spend her time the way she wants, keep her on track. Sarah is also the host of the Beyond the Dollar podcast, where she has deep and honest conversations about how money affects our well-being. Sarah joined me from Jacksonville, Florida to share her personal finance story. NEXT EPISODE 99 - Beth MacMillan Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Bridget Casey wants us all to get rich together. The good news is that Bridget already did most of the work for you. All you have to do is follow her instructions. You don't have to spend years studying the stock market and get an MBA in finance. She already did that so you don't have to. Bridget took all of her personal finance skills and education and spent countless hours crafting online courses for you. Her stand-out course is called the Six-Figure Stock Portfolio. She created this course because there's nothing like it online right now and as you heard in the intro clip, her students are doing very well. Bridget started her website Money After Graduation in 2012 and today she has over 3,000 visitors per day. Bridget also makes personal finance videos on YouTube where she has over 6,500 subscribers and over 500,000 views of her videos. Bridget joined me from Edmonton, Alberta to share her personal finance story. NEXT EPISODE 98 - Sarah Li Cain Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Erin Lowry wants you to know that words have power, especially when it comes to your money. Saving and investing are not the same thing. For example, if someone is saving for retirement, they might not even be aware that they are actually investing their money. Very few people put their retirement money in a savings account. It's much more likely that if you have your retirement money invested in an index fund, or some kind of portfolio of stocks and bonds that are subject to risk and growth. But if we keep using the word “save” when we talk about retirement, we miss the opportunity to learn about our investments. If we say “invest” for retirement, you might be triggered to ask “What's my money invested in?” You might be thinking, Beau, everyone knows the difference between saving and investing, and people know where their retirement money is invested. Unfortunately, that's just not true. I read yesterday that 40% of Canadians keep their TFSA contributions in a simple savings account. Why are Canadians doing this? Well, it's in the name. TFSA stands for Tax-Free Savings Account. The Canadian government called it a savings account. But it's not a savings account. It's a tax shelter. Where the RRSP, or Registered Retirement Savings Plan, was created to save you taxes now, only for you to pay them later when you withdraw money in retirement, the TFSA allows you to take after-tax money you already have and protect it from ever being taxed again. So the TFSA is not for savings, because savings might grow, if you're lucky, at 1% per year. You can afford the taxes on 1%. What you want in your TFSA is your highest growth investments. If you have $10,000 in Canadian bank stocks, for example, and you say they are part of your TFSA, and then grow by 10% this year, you pay no tax on that 10%. Not this year or any year after that. That $10,000 could grow to $100,000 and you never pay any tax. So should this program created to shelter your investment growth from future taxes be called a Tax-Free Savings Account? Absolutely not. It's a terrible name and it's confusing Canadians. Words have power. Like the words "broke" and "poor" are not the same thing. This is something that Erin and I discuss in the episode, as she has now written two books: the first one is called Broke Millennial and the most recent one is Broke Millennial Takes on Investing. And there's a third book in the series coming soon, which we also discuss in the episode. Erin joined me from New York City to share her personal finance story. NEXT EPISODE 97 - Bridget Casey Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Bettina Schneider wants you to understand the impact your values, histories and life experiences have on your financial decision-making processes. Bettina has a PhD in Native American Studies and is currently Associate Professor and Associate Vice President Academic at First Nations University of Canada. Bettina spends a lot of her time contemplating the following questions: How can we increase Indigenous people's access to culturally relevant financial education resources? How can we reframe the way we talk about financial literacy and personal finance in order to make it more accessible to a wider audience? Bettina believes that financial literacy resources do not always speak to the varied values and experiences of their audience and would like to see more of those resources explore how people's "money culture" impacts the way they relate to money. Bettina joined me from Regina, Saskatchewan to share her personal finance story NEXT EPISODE 96 - Erin Lowry Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Joe Saul-Sehy wants you to learn about money, but he doesn't want you to think you're learning anything. Joe is the creator and co-host of The Stacking Benjamins Show, one of the top personal finance podcasts in North America. Joe also co-hosts a new podcast called Money in the Morning. The running joke on Stacking Benjamins is that you won't learn anything about money by listening to the show, and if you do learn something, you should keep it to yourself. Joe figured out a way to make personal finance fun and entertaining, and somehow got over 130,000 people to subscribe to the Stacking Benjamins podcast along the way. But Joe's history with money is not all sunshine and roses. He's made his share of money mistakes over the years and that's what makes him so effective as a host of a personal finance podcast. I'm very happy to have Joe on the show and I'm flattered that he has invited me to be on the infamous Stacking Benjamins roundtable coming up on a Friday sometime in the next few months. Joe joined me from Detroit, Michigan to share his personal finance story. NEXT EPISODE 95 - Bettina Schneider Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Darryl Brown wants you to stop complaining about bad financial advice and do something about it. If you walk into a bank, give them money, don't ask questions and do zero research on investing, then you've pretty much given up your right to complain if you're not happy with the results. Instead of complaining about things, let's be proactive. This is your money. It's important. You work hard for it. So why not spend a bit of time on it. Yes, I've said this a lot. I know it's hard to do the work yourself. It takes time and a personal interest in investing. So it might make more sense for you to pay someone a fee to help you figure it all out. And this is where a lot of people get confused. They think that walking into a bank or going to a company that sells financial products is the best way to invest their money in a way that achieves their financial goals. They don't charge upfront fees so that sounds great to most people. But as I've said many times, if a financial services company doesn't have the product that is best for your goals, they are not going to tell you to go somewhere else. They are never going to make money if they send business away. If you walk into a Mazda dealer and you start talking about how much Ford means to you and you love Ford products and it becomes really obvious to them that you are going to have a significantly better life if you buy a Ford, they will NEVER say, “I don't think a Mazda is the right car for you.” As a salesperson, that is possibly the worst thing you can do for your career. They will instead try their best to change your mind and fit your desires into their available range of products. Darryl started his company You & Yours Financial so that he could provide truly unbiased advice. He is not at all interested in forcing you into a box so that you fit the financial product he sells. He doesn't sell financial products at all. A quick glance at Darryl's Twitter feed and you can see that he has no patience for the financial BS that's out there. Darryl is only interested in providing you with a completely unbiased opinion and an investment solution that is truly right for you. Darryl joined me in the studio in Hamilton to share his personal finance story. NEXT EPISODE 94 - Joe Saul-Sehy Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Kelley Keehn wants you to feel good about your money. To feel good about your money, you have to educate yourself, ideally as early as possible. Before you sign up for a credit card, read a ton about credit cards and how they work. Before you buy a house or a condo, listen to podcasts about the pros and cons of buying real estate. There are so many personal finance resources out there today, and people like Kelley, who are dedicated to educating people about money. Kelley has written 9 books and has a 10th on the way called Talk Money To Me, which will be published in December 2019. When Kelley was younger, she didn't have the personal finance resources that we have today. She had to learn about money through trial and error. Today, Kelley spends a lot of her time trying to change people's thinking about money so that they don't fall into the same traps that she did. Kelley joined me from Edmonton, Alberta to share her personal finance story. NEXT EPISODE 93 - Darryl Brown Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Robert Brown wants you to not be afraid of a little hard work. Robert grew up on a dairy farm. His father worked the farm while also working a full-time job at General Motors. Robert learned about working for money early and also about patience and delayed gratification. There are a lot of things that we buy today with borrowed money that we could easily put off until we have money in the bank, and we might even get a better deal if we wait. Robert realized over time that many Canadians hadn't learned what he did on the farm and as a result they were spending money before they earned it, and doing things like buying houses they actually couldn't afford. They didn't understand the concept of compound interest or how to save for the future while still being able to live a comfortable life today. After over 25 years of working in the restaurant and food service industries, Robert decided to write a book about personal finance. He would write it in a way that Canadians would understand. The book he wrote is called Wealthing Like Rabbits and it's now a Canadian bestseller. Robert joined me from Ajax, Ontario to share his personal finance story. NEXT EPISODE 92 - Kelley Keehn Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

  Sonya Smith-Valentine wants you to be Financially Fierce. Sonya has an accounting degree and a law degree. She is a CPA and a lawyer, and has worked professionally as both. Sonya has worked for legal aid in New York and Maryland, and later started a law practice specializing in Consumer Debt and Bankruptcy, winning cases against credit bureaus, credit card companies, banks, and collection agencies for unlawful activity. Today, Sonya is a Financial Confidence Expert and as President and CEO of Financially Fierce, LLC her mission is to improve the financial acumen of employees and managers to create financially savvy and highly productive workplaces. Sonya joined me from the Maryland/DC area to share her personal finance story. NEXT EPISODE 91 - Robert Brown Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Eric Brotman discusses how financial coaching can help you take control of your personal finances with financial coach Beau Humphreys. In this Episode: Even if you're just getting started or you're struggling with crippling debt, take the first step towards financial independence. Understanding the difference between a personal finance coach and a financial advisor Interview with a personal finance coach with an incredible personal journey to share.

J. Money wants you to know that Budgets Are Sexy. That's the title of the personal finance blog that he started 11 years ago, and even though you may never think budgets are sexy, the point that J. is trying to get across is that personal finance doesn't have to be boring. In 2008 J. started posting monthly net worth updates in addition to his regular content. In 137 months, J. has grown his net worth from just under $59,000 to almost $920,000. And you don't have to wonder how he did it. Just go to Budgets Are Sexy and click on the Net Worth link. You'll see all 137 posts and can drill down on any one of them. J. has always been about full disclosure, which is one of the main reasons he still remains anonymous. As we discuss in the interview, I have met him at FinCon, but I don't know his last name or whether his first name is actually Jay or a name that starts with J and I don't know where he lives. Including Budgets Are Sexy, J.'s personal finance projects have reached over 30 million views, but most importantly, J. is just a great guy and we are lucky to have him in the personal finance community. If you like what you hear today, I recommend you sign up for J.'s daily emails. After 11 years, and now a father of 3, J. is still doing what he can to make personal finance fun and engaging. J. Money joined me from an undisclosed location in the US to share his personal finance story. NEXT EPISODE 90 - Sonya Smith-Valentine Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Beau Humphreys, Personal Finance Coach, helps people get their personal finances on track. He is also the host of The Personal Finance Show, which shares personal finance stories. Since going through a consumer proposal 8 years ago, Beau has transformed his finances and is now a regular financial blogger and accountability coach for others that are struggling with their finances. Beau has a Bachelor’s Degree in Administrative and Commercial Studies from Western University and has worked as a Tour Finance Manager with Live Nation Global Touring.   Beau joins me today to share his story of dealing with a gambling addiction and how it lead to him becoming a personal finance coach. He reveals simple ways to manage your finances, from recognizing how much you earn to creating a simple financial plan. He highlights the importance of knowing where your money is being spent and stresses caution about using credit cards. He also shares how to get started with building savings and why jumping into investing does not need to be your first step. “Introspection and self-awareness are the keys to everything.” - Beau Humphreys This Week on Young Money:   Beau’s previous addiction to gambling and working his way out of debt. His podcast and role as a personal finance and accountability coach. How to organize and simplify your personal finances. Why it is vital to track everything when planning your finances. Figuring out where your money is going. Why you should avoid using credit cards if you don't have that money in the bank. How to avoid high fees from eroding your returns when investing.   Key takeaways:   Start  slow and start with the basics. You don’t have to jump into investing; you can start by building savings. If you don’t understand something, talk about it and ask questions.  Resources Mentioned:   EP057 Bankruptcy and Consumer Proposals 101 with Doug Hoyes Connect with Beau Humphreys:   Beau Humphreys Personal Finance Coach Invest Wisely Financial Accounting The Personal Finance Show Beau Humphreys on Facebook Beau Humphreys on Twitter Beau Humphreys on LinkedIn Beau Humphreys on Instagram Rate, Share & Inspire Other Young Millionaires-in-the-Making    Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week’s episode, head over to iTunes and leave us a rating and review. Visit our website to learn how easy it is to leave a review on iTunes.   Don’t forget to share your favorite episodes on social media!    Subscribe to the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our LinkedIn Company Page, or by visiting our website.  

Boy are you going to LOVE this episode.  This week I interviewed Beau Humphreys who is the host of The Personal Finance Show with Beau Humphreys. As well as a financial blogger and coach. Beau knows what it’s like to be broke after almost bankrupting himself due to a previous gambling addiction.  After making arrangements to get himself out of debt, he explains his journey through life without the ability to borrow money of any kind. For Beau, this meant having to find ways to still get things done in everyday life, without having the luxury or being able to swipe a credit card.  With no other options available, he had to save his money before buying anything which helped Beau overcome some major life obstacles while at the same time putting him on a life changing journey to financial freedom. Dive into this episode to learn more about what the challenges were, and more importantly how he was able to overcome them. To contact Beau please visit his website at: https://beauhumphreys.com/ as well as connecting with him on social media.   Facebook: https://www.facebook.com/beauhumphreyspersonalfinancecoach Instagram: https://www.instagram.com/beauhumphreys/ LinkedIn: https://www.linkedin.com/in/beauhumphreys Twitter: https://twitter.com/beauhumphreys Quora: https://www.quora.com/profile/Beau-Humphreys

Ericka Young wants you to be intentional and have a plan before you spend any money. This applies to every single situation that involves money, which is pretty much everything. As Paula Pant says at the beginning of her podcast, you can afford anything, but not everything. Unfortunately because of loans and credit cards, we think we can afford everything. This happens to too many people. They make good money, and can pay the bills, but the bank account doesn't grow and the credit cards stay at the same level. When you start out in debt, that's what you know, and it becomes normal. But living on credit creates this mindless spending, which can easily get out of control. You make decisions without thinking and sometimes those decisions have consequences. There are so many people like Ericka who could easily break free of the mountain of debt that they are trapped under, if only they would step back and have a closer look at their financial situation and whether their spending habits align with their financial goals. One day Ericka looked at her low bank balance and her high credit balance and asked herself: What's going on here? The process she went through was so motivating that she knew she wanted to help others achieve the same thing. Ericka launched Tailor Made Budgets in 2005 and has been helping people change their money habits ever since. Ericka joined me from Indianapolis, Indiana to share her personal finance story. NEXT EPISODE 89 - J. Money Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Robert Farrington wants you to think before you click the button and accept your student loans. Getting an education is an investment and you should spend some time thinking about what you're investing in and what kind of return your investment will provide. For example, you may not even need a degree at all to work somewhere you like and that pays well. You may need a degree to get promotions and more responsibility but that might not be until later and who knows, your employer might even help pay for your schooling. We have been brainwashed over the years that to get a “good” job you have to spend a lot of money on school, and then eat ramen noodles while living in a tiny apartment and work 12 hour days to repay your loans. After the interview with Robert I realized that some part of me is still brainwashed, and it actually scared me a little. Robert worked at Target for over 16 years. He mentioned this right at the beginning of the interview and I totally didn't hear him say that he only stopped working there 2 years ago. So I kept asking him questions like “So what was your next job” not fully comprehending that he was always at Target until he decided he was making enough from his side hustles and he wanted to spend more time with his family. I realized that there's this part of me that still finds it hard to believe that someone would work in retail for that long and it's scary to think that I have these notions in my brain somewhere, when I don't actively believe this is true. But on auto-pilot, the notion that guided me to my next questions were that he must have got a better job. No one works at Target for 16 years. It really sucks but it seems I've been brainwashed to think that this is not a good job, without even knowing what it is that Robert even did for 16 years. Of course there are people who spend their whole lives in retail and are very happy. Robert actually ended up with a lot of responsibility, managing several hundred employees and millions in sales. But he shouldn't be any less valuable to me as a human being if he simply pushed carts and stocked shelves for 16 years instead. Especially when on the side he was building a web empire that now has millions of visitors per month. Even more ironic is that I've been driving for Uber since last September. And I'm sure there are people that think it's odd that someone with a university degree and 15 years working in accounting and finance would be an Uber driver. But I actually really like it and it fits with my flexible schedule. I decided that even though it makes me seem like a classist jerk, I needed to talk about this. Maybe you do this too and you don't even realize it. Talking about it openly is the only way to shake off these archaic notions about what is good or bad, what is the right path and all the other societal norms that seem to only cause us to spend money we don't have and take jobs we don't want. So as Robert suggests, before we just press a button and fund our future with debt, we need to spend more time thinking about what it is we want. Are you going to be able to pay back this debt? What kind of job will you get after you graduate? If you're going to take on tens of thousands in debt, shouldn't you at least have a general answer to these questions? Why is the default: get the loan and figure it out later. Personally I think we have it all backwards. We should try working in jobs in our areas of interest or curiosity, make some money, and then take whatever training or schooling is necessary to move forward in that area of work, if we enjoy it. Why is a 4 year degree the thing that everyone cares about? Logically it doesn't make sense. Most people hire someone who works well with others and then train them how to do the job. We're focusing on the wrong things and it's creating a society that is trapped by huge amounts of debt. As Robert wrote in a recent post on his site The College Investor, student loans should be your last option. If you do decide that you want to go to school before you have enough money to pay for it, there are so many options to explore before going straight to student loans. If you or someone in your family is in the process of deciding how to pay for school, I fully recommend going to thecollegeinvestor.com and reading everything. Robert joined me from his home in Southern California to share his personal finance story. NEXT EPISODE 88 - Ericka Young Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Stacy Yanchuk-Oleksy wants you to see a non-profit credit counsellor if you have credit problems. Stacy is Director of Education and Community Awareness at the Credit Counselling Society. If you've listened to episode 76 of the show, you know that I had credit problems 11 years ago. I filed a consumer proposal with a licenced insolvency trustee, under the Bankruptcy and Insolvency Act of Canada. My case was severe so I skipped the first step that many take and that's going to see a credit counsellor first to discuss options. There are a lot of great people out there looking to actually help you get out of debt. Whether you see a counsellor or a trustee, most will help you make the right move for your debt situation. As Stacy and I discuss in the interview, just make sure that you don't pay anything upfront for debt solutions and don't just click on the first link in the online search. There are websites and companies that appear to be offering debt settlement solutions, but they are just payday lenders in disguise. Make sure you find out about the company that you're dealing with. The legitimate trustees and non-profit credit counsellors have nothing to hide. They have names of staff and locations and they are active on social media. Stacy is very proud of the free workshops and educational resources that the Credit Counselling Society provides in order to try to prevent Canadians from getting into unmanageable debt in the first place. The most important thing to me is that you know what your options are when you're in trouble. And I fully recommend you take advantage of free consultations with as many organizations as you can handle. Go meet them in person and talk to them about solutions. Everyone's situation is different and the more information you have from multiple sources, the better you will be at determining which solution works for you and more importantly, the one you can live with. Stacy joined me in the studio in Hamilton to tell her personal finance story. NEXT EPISODE 87 - Robert Farrington Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Shanah Bell wants you to lead a happy, unorthodox life. You can be successful without following the traditional 9 to 5 career path option. It's true. But to get there, you have to be open to opportunity and change, and sometimes you have to be a bit of a PITA, which I recently learned is an acronym for Pain In The Ass. In fact, Shanah's new book is called The Art of Being a PITA. It guides new adults and recent college graduates through the ins-and-outs of living life the way they want to. The way that no one talks about. As she tells it, most people believe you are a pain in the ass if you do things that are contrary to societal norms. For example, if you don't follow this checklist: 9 to 5 job, marriage, house, kids, work until 65, retire and then finally do what you want, society is like, stop being a pain in the ass and just do what the rest of us are doing. Shanah's path is a bit different. She figured out how to do many, many different things for money, on her own terms. Because this show is about her personal finance story, we didn't spend a lot of time delving into the 56 jobs Shanah has had, but if you're interested in the details, pick up a copy of the book, where she goes through each job and the lessons she learned from each one. Since she wrote the book Shanah has added 4 more jobs: dog boarding, cooking classes, AirBNB, and, of course, author. Shanah joined me from her home in Raleigh, North Carolina to share her personal finance story. NEXT EPISODE 86 - Stacy Yanchuk-Oleksy Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Sandy Yong wants everyone to learn about personal finance so that their future self can thank them for it. Sandy figured out early on that if you give your money to the big banks, and don't know what you want to invest in, they will choose the ones with the highest fees. Makes sense, doesn't it? If you went to a car dealership, and said here's some money, I want a car, and didn't give them any parameters like fuel efficiency, or speed, or size or anything, they would sell you the car that makes them the most money. In fact, if they didn't do that, I would question if they are in the right business. Sandy figured out that if she learned the basics of personal finance, she could invest her own money, have more control over her risk, and save a ton on fees. She learned so much about personal finance that when the opportunity came up to publish a book, personal finance was the clear subject. Sandy's book, The Money Master, will be published in the summer of 2019. It's always great to have another voice in the personal finance community to help increase financial literacy and democratize personal finance. Financial wellness is nearly impossible to achieve if you are having mental health issues. Recognizing this, Sandy has decided to donate $2 from every sale of her book to CAMH, The Centre for Addiction and Mental Health. If you've heard my story of addiction and recovery, you know that this has a special meaning for me, so thank you Sandy for making this commitment. Sandy joined me in the studio in Hamilton to tell her personal finance story. NEXT EPISODE 85 - Shanah Bell Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Ed Rempel wants you to know that the conventional personal finance wisdom most people follow, might not be the best for your financial situation. Unconventional wisdom, as he calls it, might be your path to financial success. Ed has been a financial planner for over 25 years and a tax accountant for over 35 years. He is a Certified Financial Planner, Chartered Professional Accountant, and Certified Hedge Fund Specialist. Ed has spent the majority of his life actually creating comprehensive financial plans for Canadians and continuously building his knowledge base to help his clients reach financial freedom in the most optimal and efficient way. Ed has so much unconventional wisdom to share that one podcast episode wasn't enough. We didn't even get to talk about all of the really interesting investing and tax strategies that he has become an expert in over the years. So stay tuned for Part 2 of this interview in the coming months. Ed joined me in the studio in Hamilton to share part 1 of his personal finance story. NEXT EPISODE 84 - Sandy Yong Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Sandi Martin wants someone giving financial advice to be paid by the person who's receiving financial advice. And the someone giving financial advice should be paid a fee for the financial services they provide. Sandi worked at a bank for years and her job was to sell the bank's products. When people came to her office to ask for financial advice, they didn't have to pay her anything. The bank paid her. She worked for the bank and not for the people asking for advice. The bank would be happy if the people who came into Sandi's office purchased one of the bank's products before they left, and Sandi would be considered a success if she sold as many bank products as she could. A lot of the time, the products at the bank were not the best products for the people who walked into her office. They weren't terrible products, but they weren't the right fit for some of the people. But she couldn't recommend anything else because she would have lost her job at the bank. The more she found out about the variety of financial products that existed, she realized that a lot of the best ones for the people who walked into her office at the bank existed outside of the bank. So she left and created her own financial planning company, which is now called Spring Financial Planning. She decided she wasn't going to sell financial products at all. She would talk to people and find out what they need to achieve their financial goals. They would pay her a fee to help them make a financial plan that wasn't tied to any financial products. When the plan was done and they asked her how they should invest their money in a way that aligned with the goals in their plan, she could point them to a variety of suitable products that they could get from a variety of places. And they would be suitable for her clients because they would help them achieve their financial goals, not because she was getting paid to sell them. Sandi Martin joined me from somewhere in the middle of the province of Ontario to tell her personal finance story. NEXT EPISODE 83 - Ed Rempel Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Episode 2 We often hear that ‘cash is king’. But not when you’re carrying multiple currencies around in your wallet because you’re scared someone will steal it. Host Rubina Ahmed-Haq and Beau Humphreys talk to one concerned daughter who wants her mother do the right thing and put her huge stash of cash into the bank.

Episode 1 Hosts Rubina Ahmed-Haq and Beau Humphreys present Dear Rubi to the world. On this first episode of Dear Rubi they tackle an issue many young people deal with today. How to pay for university and manage student debt.

For this episode, the host becomes the guest and my wife becomes the host! I decided that after 75 episodes it was time to become the guest and tell my story. I've talked a lot on the show about my history with addiction but just bits and pieces here and there. I asked my wife, Kaila, if she would take over as the host for an episode and she agreed! We talked about how I got into my gambling addiction, how I got out of it, and what I learned about personal finance, and life in general, along the way. It all started with a Super Nintendo… NEXT EPISODE 77 - Saijal Patel  

"I usually offend about 50% of people when I speak" - Glen JamesThe reason why people get offended about money, particularly when Glen talks is that he does not do frugal very well. And the extreme frugality movement / FIRE movement just sees things differently.He buys quality, which has a cost. He first invests for his future, gives to a variety of charities/causes and then spends.Give Some, Save Some, Spend Some. That's all you need to do with your money.Glen was interviewed by another podcaster in the USA at the end of last year, Beau Humphreys who runs The Personal Finance Show (based out of Canada).If you want to know how Glen started his business and a little bit about him - you may also be encouraged and learn one or two things, too!Also, we are kinda still on holidays - John & Erin are away but we wanted to keep the poddy rolling!Things you need to know & places you need to go!-Insta https://www.instagram.com/mymillennialmoney/-Facey https://www.facebook.com/mymillennialmoney/-Our private facey group for listeners: https://www.facebook.com/groups/mymillennialmoney/-Check out Glen's online money course here: https://www.sortyourmoneyout.com/online-course/ (use coupon code "m3" for 20% discount)-John's website: www.solverewealth.com.au-Glee Coffee Roasters, promo code m3 at checkout, to get 15% off your coffee order: http://www.gleecoffee.com.au/Feel like giving us a good review if you like the show (if you listen on Apple Podcasts)?

Addictions of all kinds lead to problems with your relationships, career, and yes, also your money. Beau Humphreys is a Canadian Personal Finance Coach and the host of The Personal Finance Show. Beau leads us through the story of his gambling addiction and how it affected his finances, plus how he was able to overcome his problems and how others can get help with addiction. You can find the show notes for this episode at https://maplemoney.com/beauhumphreys Did you know, on average, Canadians have over $24,000 in high-interest credit card debt? That's why our sponsor Borrowell offers low-interest personal loans online, up to $35,000! Thousands of Canadians have relied on Borrowell for their personal loans. The average Borrowell borrower saves $4,812 in interest. To see what you could qualify for, head on over to https://maplemoney.com/borrowell

Beau Humphreys is a Personal Finance Coach and Blogger and host of the Personal Finance Show Podcast. He also runs financialaccounting.ca, a website all about helping small businesses understand the value of bookkeeping and accounting. Beau has quite unique and inspirational story. He was addicted to gambling for most of his life. In fact, gambling almost ruined his life. He was in over his head with debt and didn't know how to get out. It took him a long time, but eventually he squashed his gambling addiction and his debt. In my interview with Beau, we discuss the difference between a consumer proposal and bankruptcy, the steps you can take to rebuild your credit and why there's still hope to own homes even if you struggle with addiction and money problems.

Jeff Cates is the president and CEO of Intuit Canada, the company behind QuickBooks Online, TurboTax and Mint.com. There are 13 guests on this episode! Here are the times they all appear if you're looking for someone specific:  4:55 - Jeff Cates, President and CEO of Intuit Canada  25:34 - Claire Niburski from Knit Technologies   26:50 - Rhys Mohun from FundThrough  27:50 - Christian Ali from Dream Payments  29:43 - Brendan Woods from AutoEntry  31:01 - Paul Abrams from WayPay  31:54 - Geoffrey Gualano from HubDoc  32:52 - Charmaine Cheung from Plooto  33:59 - Lisa Zamparo from lisazamparo.com  35:03 - Elliott Stone from MDTax  36:42 - Cathy Bonch from ACCPro Services  37:33 - Londale Lindo-Sewell from ACCPro Services  38:10 - Vicki Curtis from Curtis-Villar and her new company Digitfy Inc.  I am sooo excited about this episode. If you listen to the show, you probably know that I'm a personal finance coach. I help people organize and simplify their personal finances.  But I also have tons of experience with bookkeeping and accounting so, on the small business side I am also a bookkeeping coach. I help people learn how to do their basic small business bookkeeping. And because QuickBooks Online (QBO) has this awesome program for accountants and bookkeepers, I became a QBO ProAdvisor.  But maybe you don't need a coach like me. Maybe you need an experienced bookkeeper or accountant who knows your type of business. Maybe someone who's done small business tax returns for the last 20 years and understands how to make sure the Canada Revenue Agency doesn't come knocking at your door, and if they do, you're ready for them.  People ask me to recommend an accountant all the time. They want someone they can trust. So I decided to build my new site https://financialaccounting.ca. Financialaccounting.ca is Canada's Bookkeeping and Accounting Hub and it is live today! I have featured accountants who I've met and are real people. You will hear from them later in this episode. There are tons of companies that have created apps that are integrated with QBO. These are apps that make data entry easier, help you get paid quicker and make payroll and benefits really easy, just to name a few. I met some of these QBO partners and you'll hear from a few of them later in the show too. But first up in the show, I was lucky enough to get an interview with Jeff Cates, president and CEO of Intuit Canada, the company behind QuickBooks Online, TurboTax and Mint.com. At the December 2017 QuickBooks Connect conference in Toronto we talked about how automation and artificial intelligence are changing the way we manage business finances. There's some really fascinating stuff coming that is going to ultimately make it easier for the user, YOU, to focus on growing your business, instead of worrying about your accounting. I put all this together to help you get your business organized. That's what my new site is about. Whether it's me or someone else you find on the site, I want to make sure you know where to find the tools you need and the right people to help you. So head over to https://financialaccounting.ca to find all the links that were mentioned by any of the 13 guests on today's episode.  NEXT EPISODE  35 - Barry Choi  Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Since he was 20 years old, Richard Peddie dreamed about being president of an NBA basketball team. In November of 1996 his dream became reality when he was offered the job of president of the Toronto Raptors. In 1998, the Toronto Maple Leafs bought the Raptors and Richard became President and CEO of Maple Leaf Sports and Entertainment or MLSE. Richard ran MLSE for 14 years and for 6 of those years, I worked there as Event Accountant in the Live Entertainment department, or as we liked to say, the E in MLSE. What I remember most about Richard was that he always seemed very approachable. He was always very appreciative of our work in Live Entertainment, and probably the biggest fan of the company band, which I was lucky enough to be part of for 6 years. I got to play on stage at the Air Canada Centre several times, and one time I even got to do a live performance with Alan Frew from the band Glass Tiger. I doubt that any of this would have happened if Richard didn't approve. Richard taught me the importance of having a vision and values in business but also in the rest of your life as well. Knowing my core values helps me feel confident about big decisions I make. And I believe it's important that when you're applying for a job that you make sure that at least a few of your top values align with those of the company. Since retiring from MLSE, Richard has written two books. Dream Job is his autobiography and takes you through his journey in detail. 21 Leadership Lessons is his second book and though at first you might think it is a book reserved for business leaders, after reading it I realized how applicable these lessons are to everyone. I wanted to have Richard on the show because I believe his lessons about values, leadership, integrity, and yes even thank you cards, are important for everyone to hear, and can be applied to your personal life as well as your career. Today, at 71, Richard is a passionate city builder and philanthropist. He is active on Twitter and regularly writes posts on his website forabettertoronto.ca. I feel very fortunate to know Richard and grateful that he agreed to host me in his home for this interview. NEXT EPISODE 23 - Megan Nobrega Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Lindsay and Graham Plumb want you to be unstoppable with your personal finances. If you're 30 to 45 years old, for example, and you have a couple of kids, and a mortgage, maybe unstoppable is not the first word that comes to mind when you think of your finances. But this is actually the most important time of your life financially. This is the time when tracking your spending, paying down your mortgage, having the right insurance and building up that emergency fund is crucial. And then there's the investing part - do you want to put some away for the kids' education in an RESP account, and what about investing for retirement? Lindsay and Graham know how hard it is to wrap your head around all this stuff. They were working in the traditional mutual fund and insurance business and realized there wasn't a whole lot of holistic financial planning available. Holistic financial planning is when someone looks at your whole financial picture. Do you have debt? Do you have existing investments that cost too much? What are your goals around money? Do you want your kids to have a education fund or would you rather they take out loans themselves in the future and learn something in the process? Do you have an emergency fund? Do you have insurance? And when Lindsay and Graham tried to help clients with basic personal finance stuff like tracking and budgeting, the company they worked for told them: We don't do that here. How were they going to make you unstoppable, if all they were allowed to do was sell you products and then send you on your way? This is the story of Lindsay and Graham Plumb and their company Moola Financial Coaches and Advisors. NEXT EPISODE 22 - Richard Peddie Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Did you know that Canada has a Financial Literacy Leader? It's true. Jane Rooney was appointed Canada's Financial Literacy Leader in 2014 within the Financial Consumer Agency of Canada (FCAC). Yes, there is a government official whose main job is to make sure Canadians are financially literate. Jane is awesome and she's joining me in the second half of this episode. But first let's talk about the only reason I even know Jane exists, and that's because of the Conference Board of Canada. Earlier this week, February 21st and 22nd, 2018, they hosted a conference called Financial Wellness and Retirement Readiness. While preparing for the conference I found out the FCAC was a sponsor and they offered me an interview with Jane Rooney. From the Conference Board I was offered an interview with their Vice-President of Industry, Strategy and Public Policy, Louis Thériault. Louis gave a great presentation about the current state of financial wellness in the workplace. After the presentation I sat down with Louis and asked him how he got into this world of economic and policy analysis. As Louis says in the interview, there is a quadruple gain with financial wellness programs: The employee gets financial information and support to get out of financial trouble or to prevent them from getting into it in the first place; the employer benefits from less down time and more productivity; the insurers save money when overall health is improved; and, overall wellness is good for society as a whole. So companies are making positive changes, what about the government? When I started researching Jane Rooney for this interview, I was totally surprised by the commitment the government has made to strengthen the financial literacy of Canadians. A common theme at the conference and in the discussion with Jane is the importance of overall wellness. Whether you go through what I did and have mental health issues that caused addiction which led to financial problems, or whether you have unanticipated financial issues, which in turn may cause mental health issues, we now understand that one can't be addressed without looking at the others. And though we didn't focus on it, physical wellness including healthy eating habits play a huge part in overall wellness as well. I would like to thank Jane and Louis for taking the time to share their stories and insight. It's comforting to know that there are people out there who are looking out for us and trying to improve the overall well-being of Canadians. Here's the link to the FCAC hotline that Jane mentioned in the episode: https://www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html NEXT EPISODE 21 - Lindsay and Graham Plumb Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Allison Suter is a total tax nerd. When someone mentions income taxes, do you get excited or are you filled with dread? Do you wait until the last possible moment to file your taxes? When you finally start the process, are you so on edge that if the slightest thing goes wrong you want to throw your laptop across the room? And when it's over, are you 100% sure that you messed it up somehow? If this sounds like you, you should probably check out SimpleTax. Allison Suter is a former tax lawyer. One day she was doing her taxes online and started wondering: Why is preparing my tax return so complicated? Why is tax software so slow and expensive? If a tax nerd like Allison thinks it's complicated, what hope is there for the rest of us? Luckily for us, Allison and her co-founders decided to build what they like to call “the best tax software in Canada”. Allison joined me from Vancouver to talk about how she went from tax lawyer, to world traveller, to wedding photographer and finally to SimpleTax.  NEXT EPISODE 20 - Jane Rooney Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

For the Money 20/20 Payments Race in October 2017, Amélie Arras chose bitcoin as her method of payment and made her way from Toronto to Las Vegas in a week. ---- Imagine you're visiting Europe for the first time. For some reason you didn't think to buy any Euros before you left home. You are Canadian, so all you have is Canadian dollars on you. You find out that things have changed recently in Europe and there is no longer a way to exchange your Canadian dollars for Euros. Your only option is to try to find businesses and people who will accept your Canadian dollars. You'll need food so you start by asking at various restaurants, and each one says, sorry, we don't accept Canadian dollars. You have internet access so you're able to search for the Canadian community in the city you are in. You eventually find someone who agrees to take your Canadian dollars in exchange for some food and transport to your hotel. But not every city in Europe will be like this. Luckily you have some hotels pre-booked, but for most everything else you're going to have to figure it out along the way. This is what it's like to travel with only Bitcoin. --- Somehow, using only bitcoin, Amélie won the payments race. Amélie joined me from the UK to tell her bitcoin story. NEXT EPISODE 19 - Allison Suter Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Jessica Moorhouse travelled from Toronto to Las Vegas over one week using only a chip and pin credit card. It's October 2017 and I'm at the SIBOS global financial services conference in Toronto. I post something about the conference on Facebook and my friend Jessica Moorhouse comments that she'll be at the conference tomorrow. I had just found out that she would be participating in this payments race - think of it as the amazing race for money nerds. It turned out the race was going to start the next day from the conference that I was already attending. I was able to get an interview with all 5 contestants in the race, Jessica being the only Canadian. All 5 racers had to make it from Toronto to Las Vegas in a week, using different methods of payment. There was bitcoin, gold, contactless ring/apple pay, cash, and Jessica had to use a chip and pin credit card. Maybe you're thinking, that's easy. You can pay for everything with a chip and pin credit card in North America, right? That's what the race is all about. The organizers didn't do a trial run from Toronto to Vegas and try all of those methods to see if it was possible. The race was created to find out if it is possible. So Jessica and the other contestants headed out into the unknown to see whether it would be a breeze or if they would run into obstacles along the way. Jessica joined me a few weeks after the race to tell her side of the story. LINKS FROM EPISODE If you want all the details about Jessica's payments race journey, you can find them here: https://jessicamoorhouse.com/youtube https://jessicamoorhouse.com/survived-trip-across-america-using-chip-pin/ Personal finance bloggers who helped Jessica along the way: Cait Flanders: https://caitflanders.com/ Michelle Jackson: https://michelleismoneyhungry.com/ Barry Choi: https://www.moneywehave.com/ NEXT EPISODE 18 - Amélie Arras Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Stephen Weyman knows a lot about credit cards. --- In my opinion, credit cards should only be used in one way:  I think you should only buy something with a credit card if that money is sitting in your bank account right now. Credit cards are not for borrowing. Please don't use credit cards for borrowing. There are times in our lives when we need to borrow money. But credit cards are one of the worst tools for borrowing. The interest rate is way too high. So just promise me that if you ever really need money, right now, and you're thinking about borrowing it with a credit card, look at other options first. Maybe a loan or a line of credit with a lower rate. Just look at other options and only borrow with a credit card as a last resort. Credit cards are a tool for convenience and benefits. Now that you have agreed to only spend money you have in the bank, I can introduce you to Stephen Weyman and his new website called Credit Card Genius. There are so many options when it comes to getting a credit card. Before I talked to Stephen, I would have told you to never get a credit card with an annual fee. You know I hate fees. But what if the benefits you get when you use the card are much higher than the annual fee? Example: Before I owned a car I rented cars all the time. Many credit cards come with collision and damage coverage if you book the rental car with the card. If you don't have a card with collision and damage coverage, the rental company will charge you $30 per day. That's an extra $210 on a rental for just a week. So if you rent a car for a week, even once a year, maybe a $99 annual fee on a credit card isn't so bad. This is just one example of a credit card benefit. But there are so many that trying to remember them is making my brain hurt. That's where Stephen and Credit Card Genius can help. For over 7 years Stephen has been the mastermind behind the website HowToSaveMoney.ca. And while he included credit card reviews on HowToSaveMoney.ca, he realized the world of credit card selection was complex and needed its own space. So Stephen found all of the credit card options in Canada and put them on one site. Turns out there are more than 150 different options. He even built some cool features to help you find the credit card that works best for you. Stephen joined me in downtown Toronto for my first outdoor and underground mobile episode of The Personal Finance Show. (And a special shout out to Daniel Trezub from savewithdan.ca for making that cameo at the end.) NEXT EPISODE 17 - Jessica Moorhouse (Payments Race) Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

“Over a period of time it's become incredibly difficult for any individual to stand in front of the data or the facts, and say that there is a defensible edge that I have in picking stocks, or creating strategies in this market that will outperform the passive indices.” - Randy Cass, NestWealth Randy Cass is a professional investor. After speaking to him for just a few minutes, it's clear he knows investing. Randy spent years as an active portfolio manager making big money for big pension plans and institutions, managing their investment portfolios using complicated strategies that most people wouldn't understand. An active portfolio manager gets paid based on how well the portfolio does so it's in their best interest to spend all their time coming up with the best ways to make money. Active portfolio managers work hard and it's their full-time job, so people don't mind paying them high management fees. But what if you could get the same investment returns without paying the high management fees? What if it turned out that there were passive investments, with very low management fees, that performed just as well as the high fee ones? Over time, real data started to prove this was true. The high fees were good for the active managers but not for Canadian investors. Randy eventually took a break from actively managing portfolios and became the host of BNN's television show Market Sense. While at BNN conducting interviews and reporting on investment products, he realized that the majority of Canadians were still losing out on so much growth because of high fees, despite the fact that there were so many low fee options emerging. Randy decided it was time to create a better way to help Canadians grow their money. This is the story of Randy Cass and NestWealth. To try Nest Wealth for yourself, click here: http://try.nestwealth.com/BeauHumphreys NEXT EPISODE 16 - Stephen Weyman Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Mike Wickware started out having no idea what he wanted to do with his life and now he is Chief Marketing Officer of a company called Planswell. Along the way, Mike had to make hard decisions about what was right for him and really think about what he wanted to do with his life. There will always be people that tell you that you have to stay on a certain path because of safety and security or the fact that you spent money on a degree and you shouldn't waste it. Most of the time these people are well intentioned and they are just looking out for you. They don't want you to get into trouble. But the key thing to remember is that these people aren't the ones living your life. You have to do what's right for you. Even if people don't understand. Even if you end up somewhere you could have never predicted. Are you one of the lucky ones who has always had a clear picture of what you wanted to do with your life? There are many different names for this part of our life: job, career, work, what we do for a living. Whatever you call it, it's the thing - or things - that we do to make money. The ideal situation is that the thing we do every day to make money is also something we enjoy, and that aligns with our core values. A core value is something that is important to you. For example, one of my top 10 core values is helping others, so if I'm doing work and the end result of that work doesn't help others in some way, I won't be happy doing that work. You might have heard someone say: what would you do with your life if money wasn't important? When you're starting out in the working world, you don't generally have that luxury, so you might take the job that pays you well enough for the skills you have at that moment in time. But most of the time, you don't stay in that job for the rest of your life. Not anymore anyhow. You might move up in a company, learn more about what you are good at, and eventually you might find out that you want to do something completely different. Some people think that when we change jobs, or follow our passions, we're being selfish. But to quote Esther Perel: It's not vanity, it's sheer survival of the soul. If you are doing something everyday and that something doesn't feel quite right, it is very important to listen to that feeling. It doesn't mean that you've been doing the wrong thing for the past 10 years, it just means that over that time you've learned more about yourself and what it is you truly want. I believe that this is something that can only come from experience. Mike invited me to the Planswell head office where he told his personal finance story. NEXT EPISODE 15 - Randy Cass Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

“Relationship builds trust, trust builds credibility, credibility builds influence. There are no shortcuts to that. There's no app for that.” Todd Bender, Founder, CityKidz Two weeks ago I got an email from J. Money and the team from Rockstar Finance. They had $100 to give to the first 20 personal finance bloggers to respond to the email, with the condition that the $100 would be used to give back locally and do some good. The Rockstar Finance Community Fund is an amazing initiative that helps people do good in their community. Rockstar Finance has many personal finance bloggers on their list, so even though I thought I responded quickly, more than 100 others responded before me. I didn't get the $100. But then I thought: I like this idea. And: I have $100 of my own! So I started looking for a local charity as I am a new Hamiltonian and didn't already have one in mind. Google led me to CityKidz. CityKidz has a Gift of Christmas campaign, where you can buy toys and drop them off at a Canadian Tire or local police station. Then I started reading more about CityKidz and realized there was much more to them than I thought. Todd Bender founded CityKidz over 20 years ago and it has become a huge organization in Hamilton with branches in Ottawa and Regina. I decided I would visit the CityKidz headquarters, bring the toys I bought, get a tax receipt and see if Todd wouldn't sit down with me to tell his story. I talk about saving and investing and even spending your money, but I don't talk as much as I should about giving away some of that money to those who might need it a bit more than you. The holidays are when we can all take a break from our daily lives, spend time with family and friends and reflect on what's important to us. It's important to me that there is more giving in my life. Maybe not always money or things, but time as well. We all have skills and talents and we use them to make money, but they can also be given. I'd like to thank J. Money and Rockstar Finance for inspiring me to put together this holiday giving episode and the last episode of 2017 where you will learn about Todd Bender and his amazing charity CityKidz. NEXT EPISODE 14 - Mike Wickware Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

“What we are looking for is partnerships, opportunities to learn, and collaborations to push forward the betterment of humanity.” - Richard Ndahiro of the United Nations Capital Development Fund When I attend any conference, I've realized the most valuable part is the time that exists between scheduled activities. Mainly meals and breaks. This is generally when I meet the most amazing people and have the best conversations. At the SIBOS 2017 conference in Toronto this past October, 8,000 delegates came from all over the world so I was definitely hoping to have great conversations with interesting people from different countries. I got to have many conversations over the 4 days of the conference but when I met a group of delegates from Uganda at my lunch table on day 2, I immediately knew they would be on my podcast. Since my visit to Kenya last year I've been wanting to tell people about the state of personal finance in East Africa but my knowledge only scratches the surface. (When I say East Africa I mean the East African Community (EAC) of Kenya, Uganda, Tanzania, Rwanda, Burundi, and South Sudan.) In Canada we take things like bank accounts, credit reports and credit scores for granted. We have credit cards and loans available to us from multiple sources. If we have talent, is it not hard to find the opportunity to use that talent to get a paying job or get funding for a business. It isn't that easy in East Africa. THE INTERVIEW My 3 guests on today's episode are: Richard Ndahiro, Digital Finance Expert for the United Nations Capital Development Fund or UNCDF Ronald Azairwe, Director of Business Development for a Fintech company called Pegasus Technologies Eric Kamau, Managing Director of a Fintech company called True African Richard, Ronald and Eric have all made it their life's work to improve the way that East Africans manage their finances. Only 11% of East Africans have bank accounts. In contrast, according to the World Bank, 99% of Canadians have bank accounts. Without a bank account, your cash is at risk, you can't really prove you make any money, you don't exist from a bank's perspective, and you are unlikely to be able to get credit anywhere. I am very happy that Richard, Ronald and Eric made the trip from Uganda to Toronto to join me in an inspiring conversation about bringing opportunity to those who need it most. NEXT EPISODE 13 - Todd Bender Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

"I'm thinking about building Lego right now Dad. Talk to me about compound interest later, ok?" - Chad Sichello Who will teach our kids about personal finance? In Canada, parents can open a bank account for their kids when they are really young. But at what point do you give them access to that money? At what point do they get a debit card? These are decisions every parent has to make eventually. But it's not enough to give them access to the $1,000 that's in their account one day and say: “Remember to spend responsibly.” Or “Did you know that if you save just $1 a day, you could have $100,000 by the time you are 65?” Do you know how far away 65 is for a 12 year old? The point is that you may not be the best person to teach your kids about money. With kids, it's not always about how much you know about money, it's about how you communicate with them. And it's about how they learn and how they engage. That's where Dojo comes in. Dojo is an interactive tool to teach your kids about money. It's a smartphone app and debit card that are connected to your kid's bank account. Parents get a version of the app that has all the spending controls and monitoring abilities. The kid gets the version that tracks their spending, and let's them work towards savings goals of their own. You can add money to the kid's account easily by using the app and even set up things like a scheduled allowance. As a parent you get to see where your kid spends their money and help them make better decisions, in real time. I originally met Chad Sichello, CEO & Co-Founder of Dojo, at the Payments Canada Summit in May of 2017. I really liked the idea and I started telling people about it, but I would say “It's credit cards for kids!” and everyone thought I was crazy. Well, of course, it's not credit cards, it's debit cards, which I suppose makes more sense since you can't get a credit card in Canada until you are 18. But no matter the product or the interface, what I liked the most was the idea of raising money-smart kids and that Chad and his team took the time to figure out how kids are learning today, and they created a product that met them, as Chad says in the interview, “where they are”. I was happy to see that Dojo had a booth at the SIBOS 2017 conference in Toronto and I really enjoyed chatting with Chad about how he's working to make sure the next generation is even better at managing money than we are. As Chad mentions in the interview, Dojo is currently only available through ATB Financial in Alberta, so if you're an ATB customer and have kids, please try it out and let me know what you think. NEXT EPISODE 12 - Personal Finance in East Africa Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

  LENDING LOOP I originally interviewed the co-founders of lending loop for Episode 2 of The Personal Finance Show so when I saw that they were setup at SIBOS in the Canadian Fintech corner, I knew that I wanted to include them in the Canadian FinTech Corner at SIBOS interview. MYLO Mylo is a smartphone app that is fairly new and currently only available on the iOS app store but they are working on an Android beta so stay tuned for that. WAVE Wave has been around since 2010. But they are recently new to me and they may be new to you, despite the fact that they currently have 2.8M customers worldwide. Thanks to Cato Pastoll from Lending Loop, Liam Cheung from Mylo and Rob Maurin from Wave for taking the time to chat with me at the Canadian Fintech Corner at SIBOS 2017 NEXT EPISODE 11 - Chad Sichello Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

“Being good at money doesn't mean you have to give up the things that you love.” - Desirae Odjick Desirae Odjick is very interested in helping you be great at money. The best part is that she breaks it down in a way we can all understand. This is sorely needed in the world of personal finance education. Desirae originally started Half Banked because she ran the numbers and it turned out that she would have to save half her income to achieve all of her savings goals. And what better accountability than publishing updates on the internet along the way? Two years later and now she's the one giving the advice - because she's been through it and learned a lot along the way. We all need a helping hand when it comes to meeting our financial goals. There's a reason why you're good at engineering, or doctoring, or dentisting, or whatever it is you do to make money. It's because you're probably not super great when it comes to personal finance. Well, Desirae is. She can afford her dog(expensive!), her new house(expensive!!) and still meets her goal of saving 10% of her income before all that stuff (like living the life you want) gets in the way. How? By paying attention. (a.k.a. budgeting and tracking) A budget is a tool for freedom, not a prison. The hard truth is: you can't have everything. At least not all at once. So if you put your priorities in a budget, you actually know if you can afford them or not. I enjoyed chatting with Desirae at FinCon 2017 in Dallas, Texas (even though we're both Canadian!). NEXT EPISODE 10 - Canadian FinTech Corner at SIBOS Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

“I would much rather come up with the right solution for you, rather than the solution that is going to make me money today.” - Doug Hoyes This is the kind of thinking that makes me want to send everyone to Hoyes Michalos and Associates for help. In 2009 I found myself with a huge amount of consumer debt, due to my gambling addiction, and I could barely keep up with my minimum payments. I could feel that I was on my way to finding a way out of my gambling addiction, but it was hard to make any progress with so much debt weighing upon me and no plan to pay it off. I did a bunch of research and decided that filing for bankruptcy might be an option. I looked a bit further and found that a consumer proposal to my creditors might be the better choice. In early 2009 I emailed Hoyes Michalos and Associates with the following message: “Due to a recent gambling incident, my debt load has increased significantly. I do not believe I can reasonably afford to pay my current debt load. I think a consumer proposal might be the right thing for me.” The “incident”, of course, was not recent, and it was an accumulation of gambling debt over 10 years, which I clarified with Sandra, the insolvency trustee when we met. Sandra took my $40,000 in debt and crafted a proposal to my creditors asking if it could be reduced to $15,000. The alternative was bankruptcy, and $0, so my creditors accepted the $15,000. I now had fixed monthly payments of $300 for the next 50 months. Oh yeah, and my credit rating would be ruined for the entire 50 months + 3 full years after my proposal was paid in full. What might have been a negative for some, was a huge relief for me. With the inability to gamble with credit cards, and having enough cash flow to start saving again, I was able to focus on rebuilding. Soon after, I finally realized I was gambling because I had Attention Deficit Disorder(ADD). I was diagnosed, medicated and my life changed completely. It still took a few more years to shake the gambling addiction completely, but in 2011 I had my final relapse and was finally done with gambling. In August 2012 I paid my proposal in full and 3 years later my proposal was cleared from my credit report. It took a while but I recovered from what seemed to be a hopeless situation. This is the kind of situation Doug Hoyes sees every day. After 20 years and 10,000 clients, Doug decided to write a book called “Straight Talk on Your Money”, just released in September 2017. I really enjoyed speaking with Doug and I want to thank him for having me on his podcast “Debt Free in 30”. Here's the link for that episode: https://www.hoyes.com/blog/dealing-with-gambling-debt/ To find out more about bankruptcies, consumer proposals, and other insolvency options, please head to https://www.hoyes.com or call 1-866-747-0660. NEXT EPISODE 09 - Desirae Odjick Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

On Wednesday, October 18, 2017, 5 contestants began the Money 20/20 Payments Race in Toronto, Ontario, Canada at the SIBOS conference. Each contestant must use a different method of payment to get from Toronto to Las Vegas in 7 days, with checkpoints and challenges along the way. Payment methods are: Chip and pin, Bitcoin, Gold, Cash and Coins, and Contactless. It is only through a series of random connections that I became aware of this race. One of the contestants, Jessica Moorhouse, is a friend of mine and host of the Mo' Money Podcast. She posted on social media about being the first Canadian to be selected to compete in the race. Then I found out that the race was starting at the 3rd day of the SIBOS conference in Toronto - a conference that I just happened to be already attending! So I tracked down the 5 contestants and chatted with all of them about the race, their assigned methods of payment, and how they were feeling at the beginning of this 7-day journey! NEXT EPISODE 08 - Doug Hoyes Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

At age 30, Sean Cooper paid off the mortgage on his $425,000 home in Toronto. He started with a hefty $170,000 down payment and then paid off his $255,000 mortgage in only 3 years. Sean's story is about goal setting. You start with a goal and you take the steps necessary to achieve that goal. Sean's goal was to own a house as early as possible. So he saved every penny, worked several jobs, lived in the basement apartment of his own house so he could rent out the top, and lived a frugal life to achieve his goal. You may not be able to duplicate what Sean did, and he doesn't expect you to. He realizes his case is a bit extreme and not for everyone. Sean wrote “Burn Your Mortgage” to help people pay off their mortgage sooner. Maybe not in 3 years, but how about 10 years instead of 20? The point is that you don't have to wait 25 years to own your house, just because your mortgage is amortized over 25 years. If you really want to own your house sooner, you just have to make it a priority. Set the goal and work towards it. “Burn Your Mortgage” is a great read for current homeowners and prospective buyers, but it also has some great tips for anyone trying to find ways to save more or earn more. Sean's critics love to tell him what he should have done instead of paying off his mortgage quickly. Maybe you don't want to do what Sean did, and that's ok. But Sean did it because he wanted to. No one forced him to work 3 jobs and live in the basement. We all have the right to choose how we spend our lives. Sean wanted a house and now he has a house. And now he has a house and a book. Rather than judge Sean, I think we should congratulate him for his achievements and his amazing goal setting abilities. NEXT EPISODE 07 - Money 20/20 Payments Race Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Jessica Moorhouse is a millennial personal finance expert, award-winning blogger, host of the Mo' Money Podcast and founder of the Millennial Money Meetup. Last year, after I met Jessica and told her my story about being addicted to gambling for 20 years and crawling my way out of debt and addiction, she immediately booked me on her podcast. So it just seemed right that Jessica would be one of my first guests on The Personal Finance Show. Jessica is currently on episode 109 of the Mo' Money Podcast, and there are more on the way every week. In this interview we talk about how Jessica has embraced change in her life and how she has found success and happiness by doing so. We also talk about mindfulness, travel, food, money personalities, and a million other things!  I had a great time chatting with Jessica and I'm very excited that she agreed to participate in my first “Questions from the Internet” segment, which was so much fun.  NEXT EPISODE 05 - Planswell Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Tate Hackert wants you to have a better option for short-term cash flow needs. Tate is in Toronto for the Payments Canada Summit from May 24-26 so I invited him to my studio to talk about ZayZoon and the 2nd annual FinTech Cup, which will be presented at the Summit. I published a written interview with Tate back in January 2017 so if you want to know more about ZayZoon and Tate's background, check out that post. At the first Payments Canada Summit last year in Calgary, ZayZoon won the FinTech Cup and the $20,000 prize that went along with it. NEXT EPISODE 04 - Jessica Moorhouse Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

“Lending Loop is Canada's first fully regulated peer-to-peer lending platform focused on small business.” That's the official description from lendingloop.ca. After interviewing co-founders, Cato Pastoll and Brandon Vlaar, I realized Lending Loop is also a way to connect Canadians. On the surface it just seems like another investment option. You drop some money into an account and you choose how to allocate that money. There are a bunch of businesses, new ones show up every few days, and they have different risk ratings. The prudent thing to do would be to spread your money to a few different companies with higher and lower ratings to balance your risk. But it's not just stocks and bonds that we're talking about here. These are real Canadian businesses. Both Cato and Brandon grew up with parents who ran small businesses. They both know first-hand what it is like to go to a bank and be denied a loan. And if the bank does approve a small business, it can take 60-90 days to get the loan, and piles of paperwork along with it. Lending Loop works with small businesses and connects them to Canadian investors like you and me. Everything is transparent - the company's details and statements are online for you to look at. You can even ask them questions via an online messaging platform! Have you tried asking one of your stocks or exchange-traded funds questions? Yeah, it's not that easy. The whole team at Lending Loop is really focused on providing an alternative investment option that helps connect Canadians with other Canadians. Real people, not faceless corporations. I really enjoyed visiting the Lending Loop office for this interview and I hope you enjoy it too. NEXT EPISODE 3 - Tate Hackert  Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Sitting down to chat with Chris Chan of Dwello was like sitting down with Elon Musk of Tesla to talk about electric cars, and then finding out that it's not about the cars at all, it's about the batteries. Batteries that are going to change the world. Dwello is like Tesla, but for the world of rental payments and reporting. Emphasis on the reporting part. On the surface, Dwello makes it easier for tenants to pay landlords, and for landlords to manage their properties. But beneath this really awesome concept, is an even more awesome concept which is going to revolutionize the way that Canadians think about credit reports and credit scores. Please join me as I chat with Chris Chan, Managing Principal of Dwello, about how he's helping Canadians pay rent, and ultimately improve their credit along the way. NEXT EPISODE 2 - Cato Pastoll and Brandon Vlaar Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Former gambler turned personal finance coach Beau Humphreys shares his story from drowning debt to financial free. Long description: It was a random weeknight when I went to the Wealthsimple headquarters in downtown Toronto for their 3rd anniversary party. I was told there would be a donut wall, and I was not disappointed. Aside from the free donuts and drinks, I got to meet Beau Humphreys. I thought I knew all the Toronto personal finance bloggers, so it was a treat to meet Beau and hear his story at the party. Immediately I knew he had to be on my show. This episode is very different from any of my episodes, because it deals with a topic that I think most people wouldn't be as brave to openly discuss. Luckily Beau was happy to share his story of getting addicted to gambling at the young age of 11. There's a slogan by the BC Lottery (where I'm from) that's always stuck in my head: "Know your limit. Play within it." Good advice for sure, but let's get real here. Most people who frequent casinos or the race track on a regular basis know their limit, but are incapable of playing within it. Gambling is as serious an addition as alcoholism or drug addiction. And I think it's incredibly important for anyone dealing with something like this to recognize this and find the help they need. That's exactly what Beau did. He got professional help and it changed his life. He found out that his addiction stemmed from him having undiagnosed ADD. With that knowledge, he was able to turn his life around. And now look at him! He's travelling to Kenya for vacation and teaching others how they can get over whatever obstacle to achieve financial freedom. It's a happy coincidence I'm releasing this episode on Bell Let's Talk Day, which is all about talking openly about mental health. And for that reason I'm going to include some helpful links anyone is looking for someone to talk to. Helpful Resources Ontario Problem Gambling Helpline (Canada) Find a Treatment Centre in Your Province (Canada) National Council on Problem Gambling (USA) Quotes to Live By Money problems usually having nothing to do with money. They're about something else in your life that you need to work on [...] Somebody giving you a bunch of money or you making more money isn't going to fix those things. Money can't buy you happiness, money can't fix your problems. You're problems probably have nothing to do with the fact that you have debt. You have debt because you have problems. Episodes You'll Want to Listen to After This Episode 49: Everything You Need to Know About Bankruptcy with Doug Hoyes Episode 64: Finding Your Roadmap to Financial Wellness with Jason Vitug Check Out Some of Beau's Best Blog Posts Why Are You Saving Your Money? My Journey with Wealthsimple Deferred Sales Charges Kicked Me Where It Hurts Follow Beau Humphreys Follow Beau on Twitter Like Beau on Facebook For more podcast episodes, check out the podcast page. Show notes: jessicamoorhouse.com/85