Have you ever planned for something only to find that life threw in a curveball you couldn’t predict? Maybe it was an unexpected expense, a health issue, or a shift in your job that changed everything. We all hate uncertainty, but what if we told you that it’s an unavoidable part of life—and even science … Read more
Imagine a reservoir that holds water to provide a steady supply, even during dry seasons. Now, apply that idea to money. Instead of running out of cash before your next payday, the Money Reservoir system ensures that you always have a financial cushion. It is a way to manage your money so that funds are … Read more
Investing can be an emotional roller-coaster. One day you’re riding high, watching your portfolio soar, and the next, you’re curled up in the fetal position as the stock market tanks. If you’ve been in the investing game for a while, you’ve probably heard the term dog used to describe under-performing investments. But let’s be real—dogs … Read more
We all love freedom—the freedom to choose, to act, to speak, and even to spend. Living in a democratic society like Canada, we’re fortunate to enjoy freedoms that many around the world can only dream of. We can speak our minds, worship as we choose, gather together, and advocate for what we believe in. But … Read more
We all love the comfort of our daily routines. That familiar pattern of work, home, and life feels safe and predictable. But what happens when change comes knocking on the door? Most of us feel anxious, maybe even frustrated. After all, change can force us to make decisions, change plans, or adapt to something new, … Read more
There’s an old story that illustrates a very important lesson about managing your money. It goes like this: A financial advisor, eager to gain a prospective client’s trust, takes the client on a tour of an exclusive yacht club. The advisor points out all the luxury sailboats owned by fellow financial advisors, fund managers, and … Read more
Money management is a vital skill for everyone, but it can sometimes feel overwhelming. The 80-10-10 rule is a simple guideline that can help you manage your finances effectively. This rule focuses on dividing your income into three parts: 80% for living expenses, 10% for savings, and 10% for giving. Let’s dive deeper into this … Read more
“You Can’t Always Get What You Want” is a famous song by the Rolling Stones. This song speaks to the difference between desire and need. Sometimes, when you’re chasing something you think you need, life can be tough. But in the end, you often find you get what you actually need. This idea is central … Read more
Personal finance is about managing your money wisely to achieve financial security and reach your goals. This involves budgeting, saving, investing, and planning for the future. David and I believe that this means making sure that your money goes where you need it to go, not wasted on non-essentials. Many people turn to financial planners … Read more
Have you heard the term annuity and wondered what it is or how it works? Could it be right for you? Let’s break it down simply and clearly. What is an Annuity? An annuity is a contract between you and a financial institution, often a life insurance company. You give them money, and in return, … Read more
