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Wendy Brookhouse is the founder of Black Star Wealth, a company dedicated to providing comprehensive financial services to professionals, entrepreneurs, and business owners. Wendy has developed unique, easy to implement solutions that remove the friction of anxiety and stress that stand in the way of her clients meeting their financial goals. She is also the inventor of the One Number Solution™, a holistic plan for saving, spending, and debt repayment. Wendy founded QueenPins, a money-raising organization for local causes and serves on the national board for Junior Achievement Canada.   Wendy joins me today to share how to be in love and financially fit. She describes how personal relationships and money can co-exist in harmony. She reveals when you should talk about finances in your relationship and polite ways to start those conversations. She stresses why it is vital to understand the costs of purchases paid on credit cards and highlights how your credit score and that of your partner can affect interest rates. Wendy also shares alternative ways you can split and automate living costs with your partner. “When you start trying to finance vehicles, buy houses, or make other purchases, your credit score will be critical to the rate of interest you will pay.” - Wendy Brookhouse  This Week on Young Money:   Knowing what is important to you and what is a deal breaker in finances and relationships. How to start conversations, introduce the subject of money, and discover money values. What a net worth statement shows. Understanding borrowing and why it is vital to realize the actual cost of paying back that debt or credit card purchase.  Know the price versus cost of things.  How your credit score and that of your partner will affect the interest rate for vehicle and house purchases. The different ways you can split costs when living with someone. How to simplify and automate your monthly finances. The benefits of cohabitation and/or prenuptial agreements. Key takeaways:   It all starts with you and knowing yourself. Be transparent with each other. Have a cohabitation and/or prenuptial agreement. Have regular conversations about your financial goals. Resources Mentioned:   EP007 How’s Your Financial Reputation aka Your Credit Score? EP062 What is your Money Mindset? EP063 Money Mindfulness with Jessica Moorhouse Connect with Wendy Brookhouse:   Black Star Wealth Black Star Wealth on LinkedIn Black Star Wealth on Facebook Black Star Wealth on Twitter Wendy Brookhouse on LinkedIn Burn Your Budget: How to Spend Your Way to Financial Freedom by Wendy Brookhouse Wendy’s Free Gift 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 Apple Podcasts and leave us a rating and review. Visit our website to learn how easy it is to leave a review on Apple Podcasts.   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.

Sean Cooper is an independent mortgage broker, international speaker, personal finance writer, and the author of  Burn Your Mortgage: The Simple, Powerful Path to Financial Freedom for Canadians. His articles on personal finance have been featured in multiple publications such as the Toronto Star, Globe and Mail, MoneySense, and Financial Post. He has made regular appearances on several national television and radio shows including the CBC News Network, Global Morning Show, and Bell Media’s Bell Local Super Savers Show where he discusses topics related to personal finance, pensions and retirement planning, and mortgages and real estate.   Sean joins me today to share how he paid off his mortgage in three short years. He shares tips that can help you get and burn your mortgage at an earlier date, the inspiration for writing his book, and why he feels more focus should be put on financial literacy through the school system. He also shares the criteria that mortgage lenders are looking for and how you can prepare your finances to meet those standards as well as why it is vital to get pre-approved and be aware of the closing costs of homeownership. “For most Canadians, buying a home is the single biggest financial transaction of their lifetime.” - Sean Cooper This Week on Young Money:   Why Sean decided to get licensed and become a mortgage broker. How a strong work ethic and goal setting has allowed Sean to be successful. Why he feels that financial literacy needs more focus in the school system. How he ‘burned his mortgage papers’ and the inspiration for his book. The lifestyle changes that you can make to get into home ownership. What is the 2-2-2-rule that lenders are looking for? The closing costs and expenses that home buyers will incur. The misconceptions of home ownership and the value of having a mortgage broker. The questions you should be prepared to answer when applying for a mortgage pre-approval. Key takeaways:   Qualify for a mortgage by focusing on your income, down payment, credit, and debt. Set a date goal for homeownership. Save regularly. Take the time to get pre-approved. Resources Mentioned:   EP007 How’s Your Financial Reputation aka Your Credit Score? Connect with Sean Cooper:   Sean Cooper website MortgagePal Sean Cooper on LinkedIn Sean Cooper on YouTube Sean Cooper on Twitter Sean Cooper on Facebook   Burn Your Mortgage: The Simple, Powerful Path to Financial Freedom for Canadians   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.

Spring is an excellent time of year when nature and new life spring into action. This makes spring the perfect time to review your finances and to make sure you reach your goals, reduce your debt, save money, and protect yourself against the unknown and unexpected things that life can throw your way. It’s time to get your finances organized.       Today, I share how to spring clean your finances with a series of tips and clear, practical advice. I review how you can clear your debt and start to save more. I share why you need an emergency fund and explain the importance of spring cleaning your paperwork and financial documents. I also explain why it’s important to review your insurance needs and explain how checking your credit score annually can help you find errors and quickly address them. “Pay off small debts first and get that personal satisfaction of clearing a debt.” - Tracey Bissett This Week on Young Money:   How to adjust your goals if you are meeting them. How to adjust your goals if you are NOT meeting them. Making changes to pay down debt and save more. Setting up an emergency fund. How to clear up and deal with your financial documents and paperwork. Deciding what new insurance you need and what old insurance you don’t. How to understand, build, and protect your credit score. The 5 Steps to Spring Clean Your Finances:   Review & reset your goals. Start new habits. Deal with your paperwork. Revisit your insurance. Check your credit score. Resources Mentioned:   EP007 How’s your financial reputation aka your credit score? EP041 Striving to be Financially Fit with Monica Da Ponte EP059 What is insurance and why do I need it with Deborah Williams EP063 Money Mindfulness with Jessica Moorhouse EP064 The Magic of Sercy with Emmy Roberts EP066 Living Debt-Free with Shannon Lee Simmons EP069 How to be financially resilient with Jackie Porter EP076 Happy Go Money with Melissa Leong Get Your Young Money Questions ANSWERED!   Want to learn more about how you can get your finances organized and how you can stay financially fit? Leave a voice message to get all of your Young Money questions answered.   Remember - there is no silly question when it comes to your financial fitness. 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.  

Being a "Cool Mom" doesn't always mean following in the footsteps of the "Mean Girl Mom," you know who I'm talking about.  It also doesn't mean your life and parenting style has to look like every other mom on instagram. But what it does mean is you have to own your motherhood journey and do what its right for you.  In today's episode I'm going to share 10 things that I wish I knew before having kids that has help me become my own kind of "Cool Mom"  For more podcast content don't forget to stay connected on www.uslovewe.com and daily shenanigans and life updates find on Instagram @uslovewe.    Things Mentioned in todays' episode  Previous self care content I have shared  Ep007- How to use self care as a Life Enhancer and not as an Escape Route  5 Self Care Tips for the Working Mom     

Almost everyone will need to make use of credit at some point in their lives, whether it’s by applying for a loan, credit card or a line of credit. There are many things that lenders take into account when you apply for credit, and the assessment of these will result in either a positive or negative lending decision.   Today, I am sharing insights into how a bank decides whether or not to give you a credit card, loan, or line of credit. I explain the 5Cs of credit and the evaluation process that takes place when you apply for credit from financial institutions or retail stores. I also share some best practices to help you stay on top of your finances and obligations.       “Character is often the big decider as to whether or not money is lent.” - Tracey Bissett      This Week on Young Money:  Understanding your debt service capacity and the Total Debt Service Ratio (TDSR).  How lenders score your financial reputation aka your credit score.  What role your character plays in the decision making process.  How lenders calculate your capital net worth.  What is collateral and its effect on the lending decision?        The 5Cs of Credit:  Capacity – can you pay back the money? Credit history – do you have a history of using credit responsibly? Character – what will you do when no one is looking? Capital –  what is your capital net worth? Collateral – what security do you have to provide?      Best Practices:  Check your credit score annually and address any errors with Transunion or Equifax.   Manage your finances and obligations in a way that you are proud of.   Calculate your capital net worth annually  - all your assets minus all your liabilities. If your capital net worth is getting bigger or less negative from the last time you calculated it, you are on the right track.         Resources Mentioned:  Send a voice message to Young Money podcast  EP007 - How’s Your Financial Reputation aka Your Credit Score?  EP018 - Cashflow Cookbook with Gordon Stein  EP023 - How to Protect Yourself from Fraud  EP037 - Cohabitate in a Financially Fit Way        Get Your Young Money Questions ANSWERED!  Want to learn more about your credit score and how you can stay financially fit? Leave a voice message to get all of your Young Money questions answered.  Remember - there is no silly question when it comes to your financial fitness.       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. 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.

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