Moolala: Money Made Simple with Bruce Sellery

Household Debt in Canada Explained: Trends, Warning Signs & How to Get Out of Debt

Wed, 15 Apr 2026 06:52:00 -0400

Credit Canada credit counsellor Brandon Thonson joins Bruce Sellery to unpack the current state of household debt in Canada, where consumers now owe $1.77 for every dollar earned. Brandon shares what he's seeing on the front lines, from people using debt to service debt, to mortgage renewals jumping 15–20%, to a 39% increase in counselling requests at Credit Canada. He identifies the warning signs that debt is becoming unmanageable, explains what to expect during a credit counselling session, and outlines solutions, including debt consolidation programs, conversations with financial institutions, and Credit Canada's GOLD coaching program. A compassionate, no-judgment conversation about taking control of your finances.

Find out more at creditcanada.com and connect on Facebook, X, LinkedIn, Instagram, YouTube and TikTok.

Debt After Retirement: What Every Canadian Senior Needs to Know

Wed, 15 Apr 2026 06:51:00 -0400

Licensed insolvency trustee Joshua Harris, CEO of Harris & Partners, joins Bruce Sellery to break down what makes debt uniquely challenging for seniors in Canada. They discuss the realities of living on a fixed income from CPP and OAS, how ageism limits earning potential, and the critical difference between consumer proposals and bankruptcy filings. Joshua explains which assets are protected, including the fact that government pensions are non-garnishable, addresses common fears about losing your home, and shares what happens to debt when a person passes away. If you're a senior dealing with debt or love someone who is, this is essential listening.

Find out more at harrisandpartnersinc.com and connect on LinkedIn.

Gender, Money & Longevity: What Every Woman Needs to Know Before It's Too Late

Wed, 15 Apr 2026 06:50:00 -0400

Award-winning Toronto Star journalist Moira Welsh joins Bruce Sellery to discuss her new book The Astonishing Lives of Older Women: How to Create Pleasure Over Peril in the Age of Peak Longevity. Moira shares powerful real-life stories of women in their 70s, 80s, and beyond who are struggling financially, from a woman who lived in her car for nine months to another who went from a yacht club lifestyle to a trailer park. They explore how divorce, the wage gap, and the motherhood penalty leave women vulnerable in later life, and discuss innovative solutions like communal living that are helping women regain stability, community, and hope.

Connect with Moira on Instagram, LinkedIn, X, and Bluesky.

Household Debt in Canada Explained: Trends, Warning Signs & How to Get Out of Debt | Full Episode

Tue, 14 Apr 2026 06:50:00 -0400

Find out more at creditcanada.com and connect on Facebook, X, LinkedIn, Instagram, YouTube and TikTok.

Moving Money from the US to Canada: Fees, Wires, and More

Wed, 01 Apr 2026 06:53:00 -0400

Vikki Brown lays out common cross-border scenarios (inheritances, property sales, pensions) and the simplest ways to transfer funds. They compare big bank cross-border setups with fintech tools like Wise, explain how FX fees are often built into rates, and cover large-transfer strategies like wiring to a Canadian USD account or using Norbert’s Gambit—plus what to consider around timing and possible tax complications.

Find out more at moderncents.ca and connect on LinkedIn and Instagram.

Common Debt Stories Credit Counsellors Hear (and How to Break the Cycle)

Wed, 01 Apr 2026 06:52:00 -0400

Credit Canada’s Himank Bhatia, certified Credit Counsellor and Financial Coach, discusses what debt looks like in real life right now: payday loan spirals, divorce-driven debt, sports betting debt, and higher-income households living in “fragile luxury.” He explains how fear and shame keep people stuck, why minimum payments create an interest trap, and how support and structured plans (including options to freeze interest) can help people get out of debt.

Check out Credit Canada on Instagram, Facebook, YouTube X, and TikTok.

The Emotional Journey of Selling Your Business: Identity, Grief, and “Now What?”

Wed, 01 Apr 2026 06:51:00 -0400

Jonathan Bennett shares what business owners often don’t anticipate: selling can feel like letting go of a big part of your identity. He talks about the grief-like emotional curve, what can go wrong when founders don’t fully “let go,” and why taking intentional time after a sale can help avoid rebound decisions and set up a healthier next chapter.

Connect with Jonathan on LinkedIn.

Credit Card Travel Insurance: What’s Covered (and What Isn’t)

Wed, 01 Apr 2026 06:50:00 -0400

Barry Choi explains why credit card travel insurance is never one-size-fits-all. Coverage can change based on your age, health, trip length, and even how you booked (including using points). They dig into where credit card insurance can be helpful, where it can be misleading, and why rental car coverage can have gaps, such as low coverage caps and no liability protection.

Connect with Barry on Instagram.

Credit Card Travel Insurance, Debt Traps & Moving Money to Canada: What You Need to Know | Full Episode

Tue, 31 Mar 2026 07:50:00 -0400

Planning a trip and counting on your credit card for travel insurance? Personal finance and travel expert Barry Choi breaks down what credit card travel insurance may cover (and where it can fall short), including key "it depends" factors like age, pre-existing conditions, how you paid (cash vs points), rental car coverage limits, and why standalone policies can be stronger. Then, executive advisor Jonathan Bennett from Clearly Then explores the emotional realities of selling a business: identity, grief, and how to prepare for the "now what?" after an exit. Next, Credit Canada’s certified credit counsellor and financial coach, Himank Bhatia, shares the most common debt stories he hears, from payday loan spirals and divorce-related debt to sports betting and the rising cost of living, and why shame and isolation can be the biggest obstacles to getting help. Finally, certified financial planner Vikki Brown from Modern Cents explains practical ways to move money from the US to Canada, compares banks vs. fintech options like Wise, and outlines what to watch for with exchange rates, fees, Norbert’s Gambit, and potential tax considerations.

To find out more about the guests check out:

Barry Choi: Instagram
Jonathan Bennett: LinkedIn
Himank Bhatia: Instagram | Facebook | YouTube | X | TikTok
Vikki Brown: moderncents.ca | LinkedIn | Instagram

Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple.

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Mortgage Delinquency Warning Signs & Why Household Debt Matters

Wed, 25 Mar 2026 06:54:00 -0400

Mortgage delinquency is often measured by payments that are 90 days overdue, but mortgages are usually the last debt people fall behind on. CMHC’s Aled ab Iorwerth explains the broader risks of Canada’s high household debt levels and the early indicators that financial stress may be building.

Connect on LinkedIn, YouTube, Instagram, X and Facebook.

Admin Nights: Turn Boring Life Tasks Into a Social Night

Wed, 25 Mar 2026 06:53:00 -0400

Unsubscribes, insurance hassles, forms, and passwords are a modern time-suck. Chris Colin explains the “admin night” idea, the simple rules that make it work, and how community and time-boxing can help people finally get those nagging tasks done.

Find out more at chriscolin.com and connect on Bluesky and Instagram

AI Tax Mistakes: Why Chatbots Get Tax Answers Wrong

Wed, 25 Mar 2026 06:52:00 -0400

The promise of AI is fast answers, but tax rules are personal and easy to misapply. Anita Balakrishnan shares what accountants are seeing, the types of errors that show up most often, and why complex situations still need a real professional double-check.

Find out more at thelogic.co and connect with Anita on LinkedIn.

SimpleFile & Auto-Filing Taxes in Canada

Wed, 25 Mar 2026 06:51:00 -0400

Canada’s filing system is largely voluntary, but millions of Canadians still do not file each year. Jennifer Robson explains how auto-filing could work, who it is designed to help first, and why filing is often the “gateway” to benefits like GST credits, child benefits, and other supports.

Connect with Jennifer on LinkedIn and Bluesky.

Auto-Filing Taxes in Canada, AI Tax Mistakes & Mortgage Debt Warning Signs | Full Episode

Wed, 25 Mar 2026 06:50:00 -0400

AI tools can be helpful, but when it comes to taxes, they can also be confidently wrong. In this episode of Moolala: Money Made Simple, Bruce Sellery talks with Jennifer Robson, Associate Professor, Carleton University, about the federal government’s SimpleFile initiative and how automatic tax filing could help more Canadians file returns and unlock benefits. Then Anita Balakrishnan, Reporter at The Logic, breaks down why accountants are increasingly seeing AI-generated tax mistakes and what to watch for before relying on tools like ChatGPT. For a lighter take on grown-up chores, Chris Colin, Journalist at the Wall Street Journal, explains how hosting an “admin night” can make boring tasks less painful. Finally, Aled ab Iorwerth, Deputy Chief Economist at CMHC, shares key context on mortgage delinquencies and the early warning signs that a household may be heading into financial distress.

To find out more about the guests check out:

Jennifer Robson – Associate Professor, Carleton University: LinkedIn | Bluesky
Anita Balakrishnan – Reporter, The Logic: thelogic.co | LinkedIn
Chris Colin – Journalist (Wall Street Journal contributor): chriscolin.com | Bluesky | Instagram
Aled ab Iorwerth – Deputy Chief Economist, CMHC: LinkedIn | YouTube | Instagram | X | Facebook

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Renter Rights 101: What to Look for Before Signing a Lease

Wed, 18 Mar 2026 06:52:00 -0400

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

Find out more on ahbl.ca and connect on LinkedIn(ahbl) and Instagram(ahbl). Connect with Lisa on LinkedIn.

Breaking the Taboo: The Reality of the "Bank of Mom and Dad”

Wed, 18 Mar 2026 06:52:00 -0400

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

Find out more on thepurse.co and connect on Instagram.

Inside Canada’s Bankruptcy Crisis: Why More Creditors and Higher Balances?

Wed, 18 Mar 2026 06:51:00 -0400

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

Find out more on hoyes.com and connect on X.

Friction Maxxing: The Psychological Trick to Stop Impulse Spending

Tue, 17 Mar 2026 06:50:00 -0400

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

Find out more on Substack and connect on Instagram and TikTok.

The Cost of Living: Navigating Rising Debt, Rental Laws, and the "Bank of Mom and Dad" | Full Episode

Tue, 17 Mar 2026 06:50:00 -0400

It’s never been easier to spend money, and that “one click” convenience is quietly reshaping our budgets. In this episode, Bruce explores friction maxing with certified financial planner and money psychology expert Hanna Horvath, including practical ways to slow down impulse purchases and make saving more automatic. Then, insolvency trustee Doug Hoyes breaks down what his firm is seeing in Canada’s latest bankruptcy study, from higher balances and more creditors to mounting pressure from food costs, unemployment, and housing. Next, Lindsey Stanberry (The Purse) tackles the taboo topic of parents supporting adult children, and why more transparency around the “bank of mom and dad” matters. Finally, lawyer Lisa Mackie shares what renters should know before signing a lease, including key terms, red flags, and how laws at different levels of government shape your rights.

To find out more about the guests check out:

Hanna Horvath: Substack | Instagram | TikTok
Doug Hoyes: hoyes.com | X
Lindsey Stanberry: thepurse.co | Instagram
Lisa Mackie: ahbl.ca | LinkedIn(ahbl) | Instagram(ahbl) | LinkedIn

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Low-Risk Investing for Entrepreneurs: Liquidity, Fees, and Avoiding “Prestige” Investments

Wed, 11 Mar 2026 06:53:00 -0400

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

Find out more on Substack and connect on X.

Employee Ownership Trusts in Canada: A New Succession Option for Business Owners

Wed, 11 Mar 2026 06:52:00 -0400

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

Connect with Jon on LinkedIn.

Stock Lending (Securities Lending) Explained: How Investors Can Earn Extra Income

Wed, 11 Mar 2026 06:51:00 -0400

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

Find out more at wealthsimple.com and connect on X, Instagram and Facebook.

Career Minimalism: What It Is, Why It’s Trending, and When It Makes Sense

Wed, 11 Mar 2026 06:50:00 -0400

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

Find out more at janelabrahami.com and connect on Instagram, TikTok and LinkedIn.

From Career Minimalism to Stock Lending: Smarter Moves for Work, Investing, and Ownership

Tue, 10 Mar 2026 06:50:00 -0400

What does career minimalism really mean, and why is it showing up in Gen Z work culture? Bruce Sellery speaks with Glassdoor career pivot strategist Janel Abrahami about the idea of doing the minimum at work to create space for health, family, and life outside the office, plus what this trend can look like for employees and employers. Then, Wealthsimple’s David Mak breaks down securities lending (stock lending), including how investors can potentially earn extra income by lending shares, what borrowers use those shares for, and how risk and collateral work. Next, Jon Shell from Social Capital Partners explains employee ownership trusts in Canada, how EOTs can help business owners transition succession to employees, and why employee ownership could strengthen communities and the Canadian economy. Plus, wealth manager and author Geoff Saab (Low Risk Rules: A Wealth Preservation Manifesto) shares why simple, low-fee, liquid investing can beat “prestige” products over the long run. Listen for practical takeaways you can use right now, whether you are building a career, growing a portfolio, or planning a business exit.

To find out more about the guests check out:

Janel Abrahami: janelabrahami.com | Instagram | TikTok | LinkedIn
David Mak: wealthsimple.com | X | Instagram | Facebook
Jon Shell: LinkedIn
Geoff Saab: Substack | X

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Divorce and Insurance: Beneficiaries, Coverage, and Timing Mistakes to Avoid

Wed, 04 Mar 2026 06:52:00 -0500

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

Find out more at rbcinsurance.com and connect on LinkedIn (RBC) and Facebook (RBC). Connect with Farzana on LinkedIn.

Stop the Shame: How to Rewrite Your Money Story

Wed, 04 Mar 2026 06:51:00 -0500

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

Find out more at kelleykeehn.com and connect on Instagram, Facebook and check out Save Yourself.

Situational Agency: How to Save More Without Relying on Willpower

Wed, 04 Mar 2026 06:50:00 -0500

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

Find out more at Substack and connect on LinkedIn and Instagram.

Loans for International Students: How Libro Credit Union is Closing the Financing Gap

Tue, 03 Mar 2026 06:53:00 -0500

Tuition can be a major barrier for international students pursuing Canadian graduate programs. Shawn Good, President and CEO of Libro Credit Union, explains how Libro partners with leading business schools, including the Smith School of Business at Queen’s University, to offer financing and support. Shawn and Bruce discuss access, inclusion, and what it means to evaluate borrowers when traditional credit history is limited.

Find out more at libro.ca and connect on LinkedIn (Libro), Instagram (Libro) and Facebook (Libro). Connect with Shawn on LinkedIn and Instagram.

Better Money Habits: Situational Agency, Insurance Tips for Divorce, and Student Financing | Full Episode

Tue, 03 Mar 2026 06:50:00 -0500

Willpower is a great idea, but it rarely holds up when money decisions get real. In this episode of Moolala: Money Made Simple, Bruce Sellery explores situational agency with CPA and author Robin Taub, breaking down how to design your environment so saving becomes easier and impulsive spending gets harder, from “pay yourself first” automation to removing digital spending triggers. Then, Farzana Damji (Senior Director, RBC Insurance) shares what divorcing couples need to know about life insurance, beneficiaries, and timing, including common mistakes that can create costly consequences. Plus, Shawn Good (President and CEO, Libro Credit Union) explains a financing option aimed at helping international students access high-cost Canadian business programs, and financial educator Kelley Keehn discusses Save Yourself and how identity, psychology, and even AI tools can help people change their relationship with money.

To find out more about the guests check out:

Robin Taub: Substack | LinkedIn | Instagram
Kelley Keehn: kelleykeehn.com | Instagram | Facebook | Save Yourself
Farzana Damji: rbcinsurance.com | LinkedIn | LinkedIn (RBC) | Facebook (RBC)
Shawn Good: libro.ca | LinkedIn (Libro) | Instagram (Libro) | Facebook (Libro) | LinkedIn | Instagram

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

AI in Fintech: What’s Changing Behind the Scenes at Banks

Wed, 25 Feb 2026 06:52:00 -0500

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

Connect with Jason on Facebook, X, and Instagram.

Money Proud: Personal Finance Through a Queer Lens

Wed, 25 Feb 2026 06:51:00 -0500

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

Find out more at nickwolny.com and connect on Instagram and X.

Pay Transparency Laws in Canada: What Changes for Job Seekers

Wed, 25 Feb 2026 06:50:00 -0500

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

Find out more at thisismomsatwork.com and connect on Instagram and Facebook.

Pay Transparency Laws in Canada, Queer Wealth Strategies, and the Future of AI in Banking | Full Episode

Tue, 24 Feb 2026 06:50:00 -0500

Pay transparency is becoming the law across Canada, and it is reshaping how people job hunt, negotiate, and get paid. Bruce Sellery talks with career coach and Mums at Work founder Allison Venditti about why salary ranges matter, how pay transparency can help close the motherhood-driven gender pay gap, and what employers need to get right as policies roll out. Then Bruce explores AI and personal finance with fintech expert Jason Pereira, from how automation is transforming bank back offices to how smarter client-facing tools could change the way Canadians manage money. Plus, author Nick Wolny joins to discuss Money Proud and what personal finance can look like through a queer lens.

To find out more about the guests check out:

Allison Venditti: thisismomsatwork.com | Instagram | Facebook
Nick Wolny: nickwolny.com | Instagram | X
Jason Pereira: Facebook | X | Instagram

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

How to Build Financial Freedom After Life’s Challenges with Marlene Chiarotto

Wed, 04 Feb 2026 06:53:00 -0500

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

Find out more about Marlene on Facebook, LinkedIn and Instagram.

Choosing and Working with a Realtor: What to Ask and What to Expect with Anne Alkok

Wed, 04 Feb 2026 06:52:00 -0500

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

Find out more at wahi.com and connect on Instagram

Teaching Financial Wellness to Medical Students & Physicians with Dr. Stephanie Zhou

Wed, 04 Feb 2026 06:51:00 -0500

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

Find out more at physiciansficonference.com and connect on Instagram,| LinkedIn and YouTube.

Scene Change: Turning TV Production Experience into Corporate Roles with Amanda Schultz

Wed, 04 Feb 2026 06:50:00 -0500

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

Find out more at scenechange.ca and connect on TikTok, Instagram and Facebook.

Career Change Success, Financial Education for Physicians, and Choosing the Right Realtor | Full Episode

Tue, 03 Feb 2026 06:50:00 -0500

This episode explores money management across different career stages and industries. Amanda Schultz, founder of Scene Change, shares her journey from TV producer on shows like Big Brother Canada to corporate consulting, and how she's helping entertainment professionals translate their unique skills, like adaptability and project management, into other industries. Dr. Stephanie Zhou discusses her groundbreaking financial literacy curriculum for medical students at the University of Toronto, addressing the unique challenges physicians face with high debt loads (averaging $150,000), delayed earning years, and the complexities of running fee-for-service practices.

Bruce Sellery also speaks with Anne Alkok, broker of record at Wahi, about maximizing your relationship with a realtor and what to look for when choosing one for buying or selling your home. The episode concludes with CPA Marlene Chiarotto discussing her book "Achieve Financial Freedom on Your Terms" and the powerful lessons she learned about money, legacy, and values after becoming a widow at age 42. From career transitions to professional-specific financial education to major life changes, this episode covers essential money topics for wherever you are in your journey.

To find out more about the guests check out:

Amanda Schultz: scenechange.ca | TikTok | Instagram | Facebook
Dr. Stephanie Zhou: physiciansficonference.com | Instagram | LinkedIn | YouTube
Anne Alkok: wahi.com | Instagram
Marlene Chiarotto: Facebook | LinkedIn | Instagram

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

AI Scams Exposed: How Fraudsters Use Deepfakes and What You Can Do to Protect Yourself

Wed, 28 Jan 2026 06:52:00 -0500

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

Find out more on LinkedIn, Facebook, X, Instagram and YouTube.

Money After Trauma: Navigating Financial Windfalls with Emotional Intelligence

Wed, 28 Jan 2026 06:51:00 -0500

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

Find out more at shannonmoroney.com and connect on Instagram.

The Money Habit: Transform Your Finances Using the Accounts You Already Have

Wed, 28 Jan 2026 06:51:00 -0500

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

Find out more at mikemichalowicz.com and connect on Instagram and LinkedIn.

Money Habits That Work, Trauma-Informed Finance, and Protecting Yourself from AI Scams | Full Episode

Tue, 27 Jan 2026 06:50:00 -0500

What if managing money wasn't about willpower, but about working with your existing habits? Mike Michalowicz, author of The Money Habit, reveals a revolutionary approach to personal finance using multiple bank accounts as a modern envelope system. Learn how to achieve cash confidence through behavioral intercepts, why debit cards beat credit card points, and how Parkinson's Law can help you spend less automatically. Plus, trauma therapist Shannon Moroney shares crucial insights on navigating financial windfalls that arrive after traumatic events—from life insurance payouts to civil settlements—and how to make emotionally congruent decisions about money when you're still healing.

In our increasingly digital world, financial scams are becoming frighteningly sophisticated. Larry Zelvin, head of the Financial Crimes Unit at BMO Financial Group, exposes how criminals are weaponizing AI to commit fraud through deepfakes, phishing emails, and digital pickpocketing. Discover the warning signs of AI-enabled scams, why QR codes require extra caution, and what banks are doing behind the scenes to protect you. From managing debt with behavioral psychology to protecting yourself from the latest fraud tactics, this episode delivers practical strategies for every stage of your financial journey. Whether you're building better money habits, processing a financial windfall, or defending against scammers, you'll find actionable advice to help you get a better handle on your money.

To find out more about the guests check out:

Mike Michalowicz: mikemichalowicz.com | Instagram | LinkedIn
Shannon Moroney: Instagram
Larry Zelvin: LinkedIn | Facebook | X | Instagram | YouTube

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Helping Skilled Immigrants Restart Their Careers in Canada

Wed, 21 Jan 2026 06:53:00 -0500

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

Connect on LinkedIn, Instagram and Facebook.

How Artists Make Money and How Money Makes Artists

Wed, 21 Jan 2026 06:52:00 -0500

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

Find out more at thedavidberry.com and connect on Instagram.

The Singles Tax: Financial Challenges Facing Solo Earners in Canada

Wed, 21 Jan 2026 06:51:00 -0500

Financial journalist and author Renée Sylvestre-Williams reveals the hidden financial penalties that single Canadians face, from shouldering housing costs alone to missing out on tax benefits like income splitting in retirement. She explains why building a strong support team—including lawyers, financial advisors, and friends—is critical for solo earners, and emphasizes the importance of estate planning and powers of attorney when you don't have a spouse to automatically inherit your assets or make decisions on your behalf.

Connect on Instagram and find out more on Substack and pick up The Singles Tax: No-Nonsense Financial Advice for Solo Earners

AI and Your Money: Avoiding Scams While Leveraging Smart Tools

Wed, 21 Jan 2026 06:50:00 -0500

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

Connect on Instagram.

AI's Impact on Your Wallet + Financial Realities for Singles, Artists, and Newcomers | Full Episode

Tue, 20 Jan 2026 06:50:00 -0500

Artificial intelligence is reshaping how Canadians manage their money, but is it helping or hurting? Financial educator and behavioural finance expert Preet Banerjee reveals how AI is transforming financial services, from chatbots providing 24/7 customer support to the promise of democratizing quality financial advice for everyday Canadians. But there's a dark side: scammers are using AI to create sophisticated, hyper-personalized phishing attacks that can drain your bank account before you realize what's happened. Preet shares practical strategies to protect yourself while leveraging AI's benefits, and explains why adding friction to your spending decisions might be the smartest financial move you can make. Then, financial journalist Renée Sylvestre-Williams tackles the hidden costs of being single in Canada, from higher housing costs to retirement anxiety, and why building a strong support team is more critical than ever for solo earners.

The episode continues with writer David Berry discussing his book on how artists navigate the often-contradictory relationship between creative expression and financial survival, revealing why most successful artists throughout history never made a full-time living from their art alone. Finally, Claudia Hepburn, CEO of Windmill Microlending, explains how her national charity is helping skilled immigrants overcome the financial barriers to professional accreditation in Canada through affordable micro-loans of up to $15,000. With the average client more than tripling their income after receiving support, Windmill is proving that small financial interventions can create life-changing opportunities for newcomers ready to contribute their skills to the Canadian economy.

To find out more about the guests check out:

Preet Banerjee: Instagram
Renée Sylvester-Williams: Instagram | Substack | The Singles Tax: No-Nonsense Financial Advice for Solo Earners
David Berry: thedavidberry.com | Instagram
Claudia Hepburn: LinkedIn | Instagram | Facebook

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

How ADHD Affects Your Finances—And What to Do About It

Wed, 14 Jan 2026 06:53:00 -0500

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

Find out more at leannegawley.ca and connect on LinkedIn, Instagram and Facebook.

Braiding Mind, Body & Spirit: Indigenous Financial Wellness

Wed, 14 Jan 2026 06:52:00 -0500

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

Connect with Simon on Instagram.

The Hidden Costs of Pet Care—And How to Manage Them

Wed, 14 Jan 2026 06:51:00 -0500

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

Find out more at furble.com and connect on Instagram and X/Twitter.

Is It Time to Fire Your Financial Advisor? Red Flags & Next Steps

Wed, 14 Jan 2026 06:50:00 -0500

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

Find out more at mevest.ca and connect on Facebook, Instagram and X/Twitter.

Is Your Financial Advisor Costing You Money? Plus: Pet Care Costs & ADHD Money Tips | Full Episode

Tue, 13 Jan 2026 06:50:00 -0500

Sometimes breaking up is the right thing to do, even with your financial advisor. Lesley-Anne Scorgie, personal finance columnist at the Toronto Star and founder of MeVest, shares the red flags that signal it's time to move on, from poor communication and underperformance to misaligned fees. She explains how to evaluate your advisor using a "total household rollup performance report," compare results against seven-year benchmarks, and navigate the surprisingly simple logistics of switching advisors. Plus, Lisa MacIntyre-Smith, CEO of Furble, discusses why pet care costs are outpacing inflation and how Canadians can access more affordable veterinary medications through pharmacy partners instead of clinic dispensing.

Simon Brascoupe introduces "Braiding Mind, Body, and Spirit," a culturally relevant financial wellness resource for Indigenous communities that addresses sudden wealth syndrome, protective planning, and holistic money management through teachings and journaling. Then, ADHD coach Leanne Gawley joins Credit Canada facilitator Kelly Cowan to explore how ADHD affects financial management, from dopamine-driven impulse buying and time blindness to budget overwhelm. Leanne shares practical strategies like breaking tasks into 10-minute segments, using accountability buddies, and implementing waiting periods before purchases to help neurodivergent individuals build healthier money habits.

To find out more about the guests check out:

Lesley-Anne Scorgie: mevest.ca | Facebook | Instagram | X/Twitter
Lisa MacIntyre-Smith: furble.com | Instagram | X/Twitter
Simon Brascoupe: Instagram
Leanne Gawley: leannegawley.ca | LinkedIn | Instagram | Facebook

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Aging with Agility: Why Your Body Is a Financial Asset

Wed, 10 Dec 2025 06:53:00 -0500

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

Find out more at michellepannorsilver.com

From Piggy Banks to Stocks: Teaching Kids to Invest for the Long Term

Wed, 10 Dec 2025 06:52:00 -0500

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

Connect with Maya on Instagram, Facebook and X/Twitter.

Older Women, Money Confidence and Aging in Place

Wed, 10 Dec 2025 06:51:00 -0500

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

Connect with HomeEquity Bank on Instagram, Facebook and LinkedIn. Also connect with Pattie on Instagram and check out the HerMoneyMatters episode on YouTube.

Willpower: How a 1% Gift in Your Will Can Transform Your Legacy

Wed, 10 Dec 2025 06:50:00 -0500

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

Connect with Laurie on Instagram, Facebook and LinkedIn.

Leave a Legacy: Wills, Charity, and Teaching Your Kids to Invest | Full Episode

Tue, 09 Dec 2025 06:50:00 -0500

This episode of Moolala: Money Made Simple with host Bruce Sellery spans every age and stage of your financial life. Bruce starts with wills and legacy giving, speaking with Laurie Fox, campaign director of Willpower, about how more Canadians are choosing to leave a charitable gift in their will – and why even 1% of your estate can create a meaningful, tax-efficient legacy while still putting family first. Then he dives into new research from Home Equity Bank with chief financial commentator Pattie Lovett-Reid, unpacking what older women say about their financial literacy, fears about outliving their money, and the realities of aging in place on a fixed income.

Next, Bruce turns to the kids’ table with Maya Corbic, CPA, author of From Piggy Banks to Stocks, on how parents can teach children the basics of investing, compound interest, and long-term wealth building in a way that’s fun and non-intimidating. Finally, he explores why your body is one of your most important financial assets with Michelle Pannor Silver, professor at the University of Toronto and author of Aging with Agility: How Elite Athletes and Ordinary Folks Embrace Exercise with Age. Together, they connect physical health, longevity, and mobility to the money choices you make today – from retirement planning to healthcare costs and quality of life in your older years.

To find out more about the guests check out:

Laurie Fox: Instagram | Facebook | LinkedIn
Pattie Lovett-Reid: Instagram | YouTube Episode
HomeEquity Bank: Instagram | Facebook | LinkedIn
Maya Corbic: Instagram | Facebook | X/Twitter
Michelle Pannor Silver: michellepannorsilver.com

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Stablecoins 101: What They Are and How They Could Work in Canada

Wed, 26 Nov 2025 06:53:00 -0500

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

Connect with Didier on LinkedIn and find out more with Tetra Digital on LinkedIn.

Talking to Your Kids About Money: Why Parents Hesitate and How to Start

Wed, 26 Nov 2025 06:52:00 -0500

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

Connect on X/Twitter, Facebook and Instagram.

Credit Score Breakthroughs: Utilization, Collections and Fixing Your File

Wed, 26 Nov 2025 06:51:00 -0500

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

Connect with Julie on X/Twitter and LinkedIn.

The Compound Interest Light Bulb: How Small Automatic Savings Grow Big

Wed, 26 Nov 2025 06:50:00 -0500

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

Connect with Preet on Instagram.

Money Lessons That Stick: Canada’s Top Experts on Saving, Credit, Parenting & Crypto | Full Episode

Tue, 25 Nov 2025 06:50:00 -0500

In this episode we dive into the powerful “light-bulb moments” that can transform the way you manage your money. Bruce Sellery speaks with personal finance expert Preet Banerjee, who shares the compounding insight that changed his financial life at age 16—plus the surprising math behind why starting early matters far more than saving perfectly. Then, Bruce talks with Julie Kuzmic of Equifax Canada, who explains the often-misunderstood mechanics of credit scores, from utilization timing to how collection accounts really work.

Later, RBC’s Lucianna Adragna joins to unpack new research on why parents struggle to talk to their kids about money, and how to make financial lessons part of everyday life. The episode wraps with Didier Lavallée of Tetra Digital, explaining what Canadians need to know about Stablecoin, why it’s gaining popularity, and how blockchain-enabled digital dollars may shape our financial future. A packed, practical episode full of insights to help Canadians make smarter, more confident money decisions.

To find out more about the guests check out:

Preet Banerjee: Instagram
Julie Kuzmic: X/Twitter | LinkedIn
Lucianna Adragna: X/Twitter | Facebook | Instagram
Didier Lavallée: LinkedIn
Tetra Digital: LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

The Wealthy Barber’s New Edition: David Chilton’s Smart Tips on Saving, Debt & Side Hustles

Tue, 18 Nov 2025 06:50:00 -0500

In this episode of Moolala: Money Made Simple, Bruce dedicates a full hour to personal finance legend David Chilton, author of The Wealthy Barber. Nearly four decades and millions of copies later, Chilton has fully updated his Canadian classic for a new generation facing soaring housing costs, ubiquitous credit and constant social-media-fueled temptation. He shares the story behind the original book, why he chose a barbershop narrative, how he self-published before it was cool, and what really happened when Canada Trust and Costco helped turn The Wealthy Barber into a phenomenon. Bruce and David also talk about family, travel, homeschooling, and what it was like for his kids to grow up with “the Wealthy Barber guy” as their dad.

Then, they dig into the money lessons that still matter most: paying yourself first, crushing high-interest debt, using spending summaries to spot the leaks, and why car costs are quietly wrecking so many budgets. David explains how small daily changes can add up to fully funding a TFSA, why side hustles can be a game-changer, and how high-fee products still undermine long-term returns. He also looks ahead to the future of money, from AI and employment to open banking, and shares the one change he wishes every Canadian would see: practical, engaging financial education for teens that actually sticks.

Find out more check out thewealthybarber.com and connect on Instagram, Facebook, YouTube, TikTok, LinkedIn, and X/Twitter.

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Tough but Timely: Knowing When to Step In on a Parent’s Finances

Wed, 12 Nov 2025 06:53:00 -0500

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

Find out more on agingparentsfinance.com and connect on Threads, BluSky and LinkedIn.

RRIF 101: Converting Your RRSP and Managing Tax-Smart Withdrawals

Wed, 12 Nov 2025 06:52:00 -0500

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

Connect on X/Twitter and LinkedIn.

The Viral Payday Routine: Biweekly Budgeting That Actually Sticks

Wed, 12 Nov 2025 06:51:00 -0500

TikTok creator Claudia Gleason walks through her simple, transparent payday routine, starting with the pay amount, then allocating to emergency savings, rent, debt paydown, and goal buckets like travel. She explains using multiple high-interest savings accounts (or labeled buckets) to keep goals visible, how she leaves herself a realistic biweekly spend, and why public accountability helps habits stick. You’ll learn a flexible framework you can copy in minutes (no investing degree required) plus ideas for prioritizing funds when life changes (moving, big purchases) without abandoning long-term goals.

Find Claudia on TikTok and connect on Instagram.

Why Every Canadian Adult Needs a Will (and POAs)

Wed, 12 Nov 2025 06:50:00 -0500

Willful CEO Erin Bury explains the real-world costs of dying without a will - court delays, guardianship decisions for children, and extra legal fees and why powers of attorney for personal care and finances matter just as much. She debunks the “old or rich” myth, shows how modern online Will tools make it fast, affordable, and updatable, and shares the life events that should trigger action (kids, marriage/divorce, buying a home). Plus: tips for choosing an executor, organizing passwords and account lists, and why “progress over perfection” protects your family now.

Connect with Willful on Instagram and X/Twitter. Connect with Erin on Instagram and X/Twitter.

Canadian Money Essentials: Wills, Payday Routine & Managing RRIFs | Full Episode

Tue, 11 Nov 2025 06:50:00 -0500

This week on Moolala: Money Made Simple, Bruce Sellery explores the “light bulb moments” that change how we manage money, starting with wills and estate planning. Willful CEO Erin Bury explains why every Canadian adult should have a will and powers of attorney, how today’s online tools make it fast and affordable, and what really happens to your family if you don’t. Then creator Claudia Gleason breaks down her viral payday routine on TikTok: biweekly budgeting, naming savings buckets, and balancing emergency funds with fun money—so you can borrow the parts that fit your life. Next, Matt Ardrey from TriDelta Private Wealth, demystifies the RRSP-to-RRIF conversion: minimum withdrawals, tax implications, in- kind transfers, and portfolio tips for sustainable retirement income. Finally, investment coach Aman Raina shares practical signs it may be time to help your parents with their finances, plus steps to make that conversation and the paperwork easier.

To find out more about the guests check out:

Erin Bury: Instagram | X/Twitter
Willful: Instagram | X/Twitter
Claudia Gleason: TikTok | Instagram
Matt Ardrey: X/Twitter | LinkedIn
Aman Raina: agingparentsfinance.com | Threads | BluSky | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Inside BMO’s Indigenous Bond: Investing in Communities with Purpose

Wed, 05 Nov 2025 06:52:00 -0500

Jonathan Hackett, Head of Sustainable Finance at BMO, explains how the bank’s Indigenous Bond channels capital to Indigenous-owned businesses, community infrastructure, and on-reserve lending while meeting institutional investor demand for measurable social impact. We dig into how these bonds differ from “plain vanilla” debt, why supply and long-term holding matter, and what retail investors can realistically do (think sustainable bond funds). Plus: a candid look at risk management, data, and why doing the homework often leads to lower loan losses and better long-term outcomes.

Should You Help Family with Money? Boundaries, Trade-Offs, and a Safer Plan

Wed, 05 Nov 2025 06:51:00 -0500

PWL Capital Portfolio manager, Dan Bartolotti, walks through how to support parents or relatives in financial trouble without sinking your own plan. We discuss assessing whether you can help via a real financial plan (not back-of-the-envelope), setting clear boundaries to avoid enabling overspending, and deciding when “strings attached” make sense. You’ll hear best practices for sibling coordination, navigating incomplete info or embarrassment, and preparing for cognitive decline with tools like trusted contacts and powers of attorney.

The Emergency Fund “Lightbulb”: How Much to Save and Why It Matters

Wed, 05 Nov 2025 06:50:00 -0500

Fee-only planner and author Shannon Lee Simmons shares the formative experience that shaped her approach to rainy-day money and why the act of saving beats chasing a perfect number. We cover how to size an emergency fund based on your income risk (entrepreneur vs. salaried), the psychology of having cash on hand to avoid debt, and a pragmatic target: cover core bills and groceries for at least one cycle. You’ll learn how to protect your sleep at 3 a.m., keep “mad money” untouchable, and build a buffer that fits your real life, not someone else’s rule of thumb.

Connect with New School of Finance on Instagram and connect with Shannon on Instagram.

Money Clarity: Emergency Funds, Family Boundaries, and End-of-Life Planning | Full Episode

Tue, 04 Nov 2025 06:50:00 -0500

In this episode of Moolala: Money Made Simple, host Bruce Sellery explores the “lightbulb moments” that change how we handle money. Fee-only planner and author Shannon Lee Simmons shares the personal story that shaped her approach to emergency funds, why the act of saving matters more than a magic number, how to tailor the size of your fund to your risk and income, and practical ways to avoid sliding into debt when life throws a curveball. Then, portfolio manager Dan Bartolotti of PWL Capital tackles a thorny topic: helping parents or loved ones financially. He lays out clear steps to decide if and how you can help without jeopardizing your own retirement, set healthy boundaries, and navigate family dynamics with transparency.

Plus, Jonathan Hackett, Head of Sustainable Finance at BMO, explains the bank’s Indigenous Bond - how sustainable debt can channel capital to Indigenous businesses and communities. Finally, certified death doula Michelle Leray demystifies end-of-life support and connects it to estate planning and family conversations you should start now.

Subscribe, review, and share to help more Canadians get confident about their money.

To find out more about the guests check out:

Shannon Lee Simmons: Instagram
New School of Finance: Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

EASE: Empowering Survivors to Rebuild Financial Independence

Wed, 29 Oct 2025 06:53:00 -0400

Becky Western-Macfadyen, Manager of Financial Coaching and Education of Credit Canada, introduces EASE (Economic Abuse Support and Empowerment), a program designed to help survivors of intimate-partner violence recover financially. She explains how economic abuse damages credit and confidence, and how trauma-informed financial coaching restores control, security, and long-term independence.

Connect with Becky on Instagram, Facebook, LinkedIn and X/Twitter.

7 Budgeting Methods That Fit Your Life

Wed, 29 Oct 2025 06:52:00 -0400

Financial coach Alanna Abramsky, founder of Broad Money, explains seven proven ways to manage cash flow, from zero-based and 50/30/20 budgets to pay-yourself-first and the envelope system, and how to pick the one that aligns with your habits, goals, and income. Learn simple ways to track spending, plan ahead, and stay consistent so budgeting feels realistic, not restrictive.

Find out more at broadmoney.ca and connect on Instagram.

How Debt Stress Impacts Mental Health and What You Can Do

Wed, 29 Oct 2025 06:51:00 -0400

Rob Kilner from Spergel shares insights from their national Debt Load and Psychological Well-Being Study, revealing how financial pressure, social-media comparison, and stigma heighten anxiety and depression. He discusses real-world solutions, from debt management plans to professional credit counselling, that help Canadians reduce stress, rebuild stability, and regain peace of mind.

Connect with Rob on X/Twitter, Facebook and Instagram.

Credit Score Myths Debunked: What Really Affects Your Rating

Wed, 29 Oct 2025 06:50:00 -0400

Becca Mintz, Vice-President of Credit & Data at Capital One Canada, clears up the biggest misconceptions about credit scores, like whether checking your score hurts it, if income matters, and how “soft” versus “hard” inquiries work. She offers practical tips for building and repairing credit responsibly, managing utilization, and spotting reporting errors before they cost you points.

Connect with Becca on Instagram and Facebook.

7 Smart Budgeting Methods + Debunking Credit Myths and the Hidden Link Between Debt and Mental Health | Full Episode

Tue, 28 Oct 2025 06:50:00 -0400

This episode of Moolala: Money Made Simple with host Bruce Sellery dives into the practical, the psychological, and the empowering side of money management.

First, financial coach Alanna Abramsky, founder of Broad Money, outlines seven proven approaches to budgeting, from zero-based and goals-based methods to the envelope system, showing how to find a money plan that fits your lifestyle. Then, Becca Mintz, Vice President of Credit and Data at Capital One Canada, joins Bruce to bust common credit myths, including whether checking your score hurts it, how income affects credit, and what “hard hits” and “soft hits” really mean.

Plus, Rob Kilner from Spergel shares insights from their annual Debt Load and Psychological Well-Being Study, revealing how debt stress, social media pressures, and stigma intersect and what truly helps people move toward financial recovery. Finally, Becky Western-Macfadyen from Credit Canada introduces EASE, a groundbreaking program that helps survivors of intimate partner violence regain financial stability and confidence.

To find out more about the guests check out:

Becca Mintz: Instagram | Facebook
Rob Kilner: X/Twitter | Facebook | Instagram
Alanna Abramsky: broadmoney.ca | Instagram
Becky Western-Macfadyen: Instagram | Facebook | LinkedIn | X/Twitter

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Courageous Money Talks: Estate Planning, Checklists & Family Readiness

Wed, 22 Oct 2025 06:53:00 -0400

Author Jane Blaufus shares hard-won lessons on having courageous conversations about money and estate planning. She outlines where to start (with yourself), how to bring in family without escalating conflict, and the four pro “legs” to consult: financial advisor, lawyer, accountant, and funeral pre-planning. Jane also stresses writing everything down from wishes to contacts and key documents so loved ones aren’t making 90+ decisions in crisis. Gentle, practical steps to protect the people you care about.

Find out more at janeblaufus.com and connect on Facebook and LinkedIn.

AI for Better Credit: Inside Equifax Canada’s “Optimal Path”

Wed, 22 Oct 2025 06:52:00 -0400

Rebecca Oakes, VP of Analytics at Equifax Canada, introduces Optimal Path, an AI-driven tool that translates your credit data into realistic, step-by-step actions to raise your credit score. Think concrete guidance on utilization, payment consistency, and balances, plus estimated point gains over the next ~3 months. Rebecca explains how the model personalizes advice (not one-size-fits-all), where consumers will access it via banks/fintechs, and how AI can both improve coaching and combat fraud. Clear, actionable insights for Canadians looking to build stronger credit.

Find out more at equifax.ca and connect on X/Twitter and LinkedIn.

Paying People to Quit Meth? The Data Behind Contingency Management

Wed, 22 Oct 2025 06:51:00 -0400

Psychiatrist Dr. Sally Satel, medical director of a methadone clinic, explains contingency management - a harm-reduction approach where clients receive small, escalating rewards (e.g., gift cards) for clean tests. She covers why this behavioural nudge works especially for stimulant addictions (where no gold-standard meds exist), typical program structures, cost/benefit logic, and how incentives can jump-start a virtuous cycle toward work, relationships, and stability. A nuanced, evidence-informed look at an approach that’s effective yet often misunderstood.

Find out more on Substack and connect on X/Twitter.

Rob Carrick’s Biggest Money Lessons: ETFs, Dividends, Bonds & Buying the Dip

Wed, 22 Oct 2025 06:50:00 -0400

Bruce talks with retired Globe and Mail personal-finance columnist Rob Carrick about 30 years of investor wisdom. Rob explains why low-cost ETFs win for most Canadians, the hidden risks of high-yield dividend stocks, and why bonds are helpful, but not perfect, shock absorbers. He also breaks down how to think about market crashes (buying when it feels worst), the danger of chasing trends like private credit/equity for retail investors, and why money you’ll need within five years doesn’t belong in stocks. Practical, time-tested guidance for building a calmer, smarter portfolio.

Practical Canadian Money Tips: AI Credit Tools, Smart Investing, and Estate Planning Advice | Full Episode

Tue, 21 Oct 2025 06:50:00 -0400

This episode of Moolala: Money Made Simple digs into real-world tools and timeless lessons to help you manage your money with more confidence. We start with Equifax Canada’s Rebecca Oakes on “Optimal Path,” an AI-driven feature that translates your own credit data into clear, realistic steps - think concrete targets for utilization, payment consistency, and score impact over the next three months. Then psychiatrist Dr. Sally Satel explains “contingency management,” a harm-reduction approach where clinics pay meth users small, escalating rewards to sustain abstinence and why the data shows it works for tough clinical cases.

Veteran personal-finance columnist Rob Carrick joins Bruce to unpack 30 years of lessons, from ETF simplicity and diversification to the traps of trend-chasing, dividend myths, imperfect bond hedges, and why market crashes are buying opportunities (if your timeline is long enough). We close with author Jane Blaufus on having courageous conversations about money and estate planning - what to discuss, how to persist, and why writing it down matters when life gets hard. Practical, candid, and Canadian: this episode helps you take the next step, wherever you’re starting.

To find out more about the guests check out:

Dr. Sally Satel: Substack | X/Twitter
Rebecca Oakes: equifax.ca | X/Twitter | LinkedIn
Jane Blaufus: janeblaufus.com | Facebook | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Money Mindset Makeover: Talking Your Way to Financial Wellness

Wed, 15 Oct 2025 06:53:00 -0400

Money stress often starts with silence. Certified financial therapist Erika Wasserman, author of Conversations with Your Financial Therapist, joins Bruce Sellery to discuss how to talk about money with your partner, family, or even yourself without shame or conflict. Erika’s M.O.N.E.Y. framework turns hard financial conversations into moments of connection, helping you uncover your money mindset and rewrite unhelpful habits. From setting shared goals to using scripted conversations, this segment blends financial literacy with emotional intelligence to help you grow your confidence and your bank account.

Find out more at yourfinancialtherapist.com and connect on Instagram.

Personal Cyber Insurance: Protecting Yourself from Online Threats

Wed, 15 Oct 2025 06:52:00 -0400

Cybercrime isn’t just a corporate problem anymore. James South from Aviva Canada joins Bruce to explain personal cyber insurance, a new layer of protection for the digital age. From online fraud recovery and ransomware response to cyberbullying coverage and dark-web monitoring, this coverage can help individuals and families stay financially and emotionally protected after an online attack. Learn how it works, what it costs (hint: about $6/month), and why every connected Canadian should consider adding it to their home or tenant policy.

Find out more at aviva.ca and connect on Instagram and LinkedIn.

How to Retire in 10 Years or Less: A Procrastinator’s Guide

Wed, 15 Oct 2025 06:51:00 -0400

If you’re starting late on retirement savings, this interview with CPA and author David Trahair will give you hope and a plan. Drawing from his book The Procrastinator’s Guide to Retirement, David shows how Canadians can still build financial security even if they begin saving in their 40s or 50s. He unpacks the math behind RRSP vs. mortgage paydown, spending patterns after retirement, and smart ways to maximize CPP. This conversation proves it’s never too late to take control of your financial future.

Find out more at trahair.com and connect on LinkedIn and X/Twitter.

Finding Financial Freedom at FIRE Camp: Lessons from CMTO Firescape

Wed, 15 Oct 2025 06:50:00 -0400

Bruce Sellery sits down with Chris Potvin, co-founder of Camp Mustache Toronto: Firescape, a four-day retreat for Canadians pursuing Financial Independence, Retire Early (FIRE). Chris shares how the camp blends community, hands-on workshops, and lifestyle design to help attendees align their spending with their values. From budgeting around what truly matters to building a supportive peer network, this conversation explores how to make financial independence a reality, without losing sight of purpose or fun along the way.

Find out more at cmtofirescape.com.

From FIRE Camp to Financial Therapy: Smarter Ways to Save, Retire, and Stay Safe Online | Full Episode

Tue, 14 Oct 2025 06:51:00 -0400

In this week’s episode of Moolala: Money Made Simple, Bruce Sellery kicks off with the FIRE movement at CMTO Firescape, where co-founder Chris Potvin shares what a four-day money camp looks like: hands-on workshops, case studies, and a community built around Financial Independence, Retire Early.

Then, for listeners who got a late start on savings, CPA David Trahair unpacks The Procrastinator’s Guide to Retirement—including the real math behind RRSP vs. mortgage paydown, how spending actually changes in retirement, and smart ways to maximize CPP when time is short.

Next, we look at protecting your household in a digital world. James South from Aviva Canada explains what personal cyber insurance covers—from online fraud recovery and forensic clean-ups to cyberbullying support and dark-web monitoring—and how much it typically costs to add to a home/tenant policy.

Finally, financial therapist Erika Wasserman walks through practical scripts to improve your money mindset and have calmer, more productive conversations about budgeting, debt, and goals with partners and family. Whether you’re chasing early retirement or rebuilding late, this episode blends actionable retirement tactics, consumer protection insights, and behavioral tools to help Canadians feel more confident about their money.

To find out more about the guests check out:

Chris Potvin: cmtofirescape.com
David Trahair: trahair.com | LinkedIn | X/Twitter
James South: aviva.ca | Instagram | LinkedIn
Erika Wasserman: yourfinancialtherapist.com | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Turn Old Phones into Instant Cash

Wed, 08 Oct 2025 06:53:00 -0400

Bruce Sellery, host of Moolala: Money Made Simple, is joined by ecoATM’s Neil Fried, as he explains the 6–7 minute kiosk process: —device checks, data wipe and pay on the spot to turn your phone into cash. Plus how to prep your phone (backup, factory reset, remove locks) and where devices go next.

Connect with Neil Fried on LinkedIn.

Teach Kids Money with FIFA 2026

Wed, 08 Oct 2025 06:52:00 -0400

In this episode of Moolala: Money Made Simple, Gifting Sense founder Karen Holland shows parents how big events can build financial literacy: total-cost planning (tickets, travel, merch), dynamic pricing realities, and the DIMS Score + “Worth-the-Wait” tracker to practice patience and smart trade-offs.

Find out more at giftingsense.org and Score Money Smarts With 2026 FIFA

Fractional Cottage Ownership, Explained

Wed, 08 Oct 2025 06:51:00 -0400

In this episode of Moolala: Money Made Simple, host Bruce Sellery chats with Chandler Point’s John Puffer as he breaks down how 1/10 ownership and 5 weeks/year actually work, what fees cover (cleaning, taxes, reserves, Wi-Fi), how rentals and rules are handled, and why it’s different from a timeshare, —including resale and passing shares to family.

Find out more at chandlerpoint.com and connect on Facebook .

Group Trips Without Money Drama

Wed, 08 Oct 2025 06:50:00 -0400

In this episode of Moolala: Money Made Simple, Melissa Leong sits down with host Bruce Sellery and shares a practical playbook for splitting costs with friends: set expectations early (“everything optional, nothing personal”), assign a banker/accountant, use bill-splitting apps, and know when to say no if you can’t pay off the trip.

Find out more at melissaleong.com and connect on Instagram.

How to Split Costs on Group Trips + Fractional Cottage Ownership, FIFA Money Lessons & Cash for Old Phones | Full Episode

Tue, 07 Oct 2025 06:50:00 -0400

In this week's episode, planning a bachelor(ette) party, golf getaway, or friends’ trip—without blowing up the budget or the friendship? Bruce talks with Melissa Leong (Happy Go Money) about stress-free ways to split bills, set expectations, and avoid money awkwardness on group travel. Then: Fractional cottage ownership in Ontario,—how it differs from a timeshare, costs, usage weeks, fees, and conflict resolution —with John Puffer of Chandler Point. Next, FIFA 2026 as a teachable moment: Karen Holland (Gifting Sense) shows parents how to use big-ticket events to build kids’ money skills and patience. Finally, turn your old phone into cash, —how ecoATM kiosks evaluate devices, wipe data, and pay on the spot —with SVP Neil Fried.

To find out more about the guests check out:

Melissa Leong: melissaleong.com | Instagram
John Puffer: chandlerpoint.com | Facebook
Karen Holland: giftingsense.org | Score Money Smarts With 2026 FIFA
Neil Fried: LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

New to Canada? Bank, Build Credit, Begin

Thu, 02 Oct 2025 09:00:00 -0400

Newcomers face a steep learning curve: chequing vs. savings, why credit history matters, and how to get a first credit card. On this episode of Moolala: Money Made Simple with Bruce Sellery, Head, Customer Growth & Segments, at BMO Sumit Sarkar walks through the earliest money moves to make—often before you land—plus digital tools that map personal goals and help establish credit. Learn why a primary bank relationship is so valuable, how to open accounts pre-arrival (with in-country verification later), and what to expect as you set up life in a cash-light, credit-heavy system. Clear steps to get stable fast, with confidence.

Find out more at bmo.com and connect on X/Twitter and LinkedIn.

DIY Retirement: Get Decumulation Right

Wed, 01 Oct 2025 06:53:00 -0400

CFP Owen Winkelmolen introduces Advice (with two i’s), a low-cost platform that helps do-it-yourselfers build and iterate a proper retirement plan. Input income, expenses, assets, debts, and goals—then let strategy tools explore hundreds of “what ifs” in seconds: RRSP/RRIF withdrawals, CPP/OAS timing, tax brackets, income splitting, and estate trade-offs.

On this episode of Moolala: Money Made Simple with Bruce Sellery, we discuss why accumulation is simple but decumulation is where real value is created, and why you should start that plan ~5 years before retiring. Quick to set up, easy to refine—so you can spend confidently for the long run.

Find out more at adviice.ca.

Kids and Phones: 50 Life Skills First

Wed, 01 Oct 2025 06:51:00 -0400

Author Adam Ferguson proposes an unconventional contract: before your kid gets a smartphone, they complete 50 real-world experiences—from cooking a family meal and doing laundry to building a fire and planning a road trip. On this episode of Moolala: Money Made Simple with Bruce Sellery, he explains why the list is a “carrot,” not a crackdown, and how it builds resilience, connection, and competence.

We tackle the spicy items (self-defense, “break a minor law”) and talk age & stage—why Grade 8 is a useful target while recognizing maturity varies. Parents will get practical ideas to replace infinite scroll with meaningful, confidence-building moments.

Find out more at beforethephone.com.

Six Smart Career Pivots (and How to Know You’re Ready)

Wed, 01 Oct 2025 06:50:00 -0400

Career strategist Janel Abrahami joins Bruce on this episode of Moolala: Money Made Simple to demystify the career pivot. From low-risk mini moves to big leaps like entrepreneurship or going back to school, she outlines six clear options and when to use each. Learn the simple test for timing a change (learning, earning, or loving), how to frame a so-called “bridge job” without saying it out loud, and why building a personal Board of Advisors speeds decisions.

Janel’s “energy résumé” method helps you sort energizers from drainers, apply the “five whys,” and flip dislikes into must-haves—so your next role makes sense on paper and in real life.

Find out more at janelabrahami.com and connect on Instagram, TikTok and LinkedIn.

Career Pivots, Kids & Phones, Newcomer Money Tips, and DIY Retirement Planning | Full Episode

Tue, 30 Sep 2025 06:50:00 -0400

In this episode, career strategist Janel Abrahami shares a practical framework for knowing when to change lanes, the six types of pivots you can make (from mini moves to major overhauls), and how to use a personal Board of Advisors and an “energy résumé” to decide what’s next. Then, author Adam Ferguson walks through his provocative checklist for kids—50 things to do before you get a phone —and why those experiences build skills, character, and connection. For newcomers to Canada, BMO’s Sumit Sarkar explains first steps for banking, credit, and building a personalized plan with BMO’s tools. Finally, Owen Winkelmolen (Adviice—yes, with two i’s) shows how DIYers can build and iterate a retirement plan, and why decumulation strategy matters more than you think.

To find out more about the guests check out:

Janel Abrahami: janelabrahami.com | Instagram | TikTok | LinkedIn
Adam Ferguson: beforethephone.com
Sumit Sarkar: bmo.com | X/Twitter | LinkedIn
Owen Winkelmolen: adviice.ca

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Homie: The App Helping First-Time Homebuyers Build Buying Power

Wed, 24 Sep 2025 06:53:00 -0400

Buying your first home can feel overwhelming — from saving a down payment to understanding mortgage rules. In this segment of Moolala: Money Made Simple with Bruce Sellery, Bruce talks with Andrew Peker, founder and CEO of Homie, a new Canadian fintech app designed to help first-time homebuyers understand, track, and grow their buying power.

Andrew explains how Homie works:

Pulling real financial data securely through partners like Plaid and Equifax Canada
Showing users what they can afford based on how a mortgage underwriter would see them
Offering habit-building nudges — from avoiding new car loans that could hurt your approval, to staying aware of interest rate impacts
Helping users plan for hidden costs like cash reserves, land transfer taxes, and closing fees

If you’re a first-time homebuyer in Canada or helping someone become one, this segment will give you practical insight into mortgage readiness, budgeting smarter, and avoiding costly mistakes on the road to homeownership.

Find out more at meethomie.ca and connect on LinkedIn.

Retire Often: How to Take Mini Retirements Without Derailing Your Finances

Wed, 24 Sep 2025 06:52:00 -0400

What if you didn’t have to wait until 65 to enjoy retirement? Bruce sits down with Jillian Johnsrud — coach, speaker, and author of Retire Often: How Anyone Can Take Multiple Career Breaks to Unlock Adventure, Advance Their Career, and Find Financial Freedom.

Jillian shares how mini retirements — intentional breaks of a month or longer — can help you reset, pursue meaningful goals, travel, or spend time with family without sacrificing your long-term financial health. She explains:

How to budget for a mini retirement: replace one month of income and cap extra costs at ~50% of take-home pay
Why it’s smart to front-load affordable, physically demanding adventures early in life
Creative ways to offset costs, from renting out your home to home exchanges
How mini retirements can actually advance your career by reducing burnout and opening new opportunities
The mindset shifts needed to see career breaks as investments rather than setbacks

If you’ve ever dreamed of backpacking across Europe, taking a sabbatical to write a book, or just having the time to breathe between career chapters, this conversation gives you the financial planning tools, creative strategies, and inspiration to make it happen — without blowing up your future retirement plans.

Find out more at retireoften.com and connect on Instagram.

Do You Have a Real Financial Plan? Advice-Only Planner Sandi Martin Explains

Wed, 24 Sep 2025 06:51:00 -0400

A lot of people think they have a financial plan — but do they really? Bruce is joined by Sandi Martin, a certified advice-only financial planner, to break down what a real financial plan looks like and why it matters.

You’ll also hear why a real plan is more than just an investment portfolio or a set of bank statements, how to stress-test assumptions (like inflation and market returns), and why focusing on the top three “needle-moving” actions is better than a 15-point to-do list.

Sandi explains how to avoid “straight-line” planning mistakes by considering worst-case scenarios, and why an annual review keeps your plan relevant as life changes.

If you’ve ever wondered whether the plan you got from your bank or investment advisor is actually setting you up for success, this conversation will help you tell the difference — and take steps toward a truly comprehensive, purpose-driven financial plan.

Find out more at sandimartin.ca and connect on Instagram and Bluesky

Turning Empty Offices into Co-Living Spaces for Young Professionals

Wed, 24 Sep 2025 06:50:00 -0400

Vacant office towers could be the key to solving Canada’s housing affordability crisis. Bruce speaks with Robert Barnard, CEO of Toboggan Flats, about their innovative plan to convert underused downtown office buildings into co-living spaces for young professionals.

You’ll hear about:

Target rents of $1,100–$1,300 all-in, aimed at roughly 30% of the average salary for 25–34-year-olds.
How shared living can help young workers save for future home ownership.
Landlord and investor incentives, including reduced building density, steady nighttime occupancy, and the environmental benefits of reusing existing buildings.
The focus on curated events, roommate matching, and staff support to make co-living more than just a room — it’s about fostering a real sense of community downtown.

If you’ve wondered how Canada can create affordable housing without years-long construction timelines, this conversation is full of practical insights on office-to-residential conversions, co-living trends, and the future of urban housing.

Find out more at tobogganflats.com and connect on LinkedIn.

Co-Living Conversions, Real Financial Plans, Mini Retirements & a First-Time Homebuyer App

Tue, 23 Sep 2025 06:50:00 -0400

Housing costs keep climbing, but smart ideas (and smarter planning) can help you move forward. In this episode of Moolala: Money Made Simple with Bruce Sellery, we explore four timely topics: turning empty office towers into co-living spaces for young professionals, what a real financial plan actually includes, how to design mini retirements without derailing your future, and a first-time homebuyer app that helps you understand and grow buying power.

First, Robert Barnard of Toboggan Flats explains how co-living office conversions in Canada can deliver private rooms with shared amenities, stronger communities, and faster timelines by reusing office infrastructure. It’s an affordable housing approach that leverages existing buildings instead of starting from scratch.

Then, advice-only financial planner Sandi Martin walks through the seven pillars of a real financial plan—purpose & goals, cash flow, debt, risk/insurance, investments, retirement/financial independence, and estate & lifetime tax—plus how to stress-test assumptions and focus on the three actions that move the needle most.

Next, author Jillian Johnsrud shares how a mini retirement (a month or more) can fit real life. You’ll get practical budgeting rules of thumb, ideas for front-loading affordable adventures, and tips to offset costs by renting out or exchanging your home.

Finally, Andrew Peker introduces Homie, a first-time homebuyer app in Canada that models mortgage readiness like an underwriter. Learn how daily habits affect approval, why car leases can hurt more than you think, and how the app nudges you to build buying power over time.

Whether you’re chasing cheaper rent, real planning clarity, more meaningful breaks, or your first set of keys, this episode delivers practical steps you can act on today.

To find out more about the guests check out:

Robert Barnard: tobogganflats.com | LinkedIn
Sandi Martin: sandimartin.ca | Instagram | Bluesky
Jillian Johnsrud: retireoften.com | Instagram
Andrew Peker: meethomie.ca | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

How Wahi’s Real Estate Cashback Program Works

Wed, 17 Sep 2025 06:52:00 -0400

Would you buy your next home through a platform that gives you cash back — thousands of dollars after closing? Bruce Sellery speaks with Benjy Katchen, CEO of Wahi, about their innovative approach to real estate. Learn how Wahi’s digital-first platform combines technology with expert guidance to create efficiencies — and passes those savings back to buyers. Plus, discover what kind of homebuyer is best suited for this model and how it fits into Canada’s evolving housing market.

You’ll learn

Cashback for Homebuyers: Wahi gives buyers 1% of the buyer-agent commission back — often thousands of dollars — just days after closing.
Tech + Realtors: The platform uses a "Netflix-meets-Tinder" app experience combined with desk-based realtors to cut costs while still providing expert guidance.
Who It’s For: Ideal for tech-savvy homebuyers who prefer an efficient, data-driven process without sacrificing support during negotiations.

This episode is packed full of ideas on how to look at real estate as a way to stretch your dollar and get some savings passed back to you, the buyer.

Find out more on wahi.com and connect with Benjy on X/Twitter and Instagram.

Divorce Registries: Olivia Howell on Fresh Starts & Support

Wed, 17 Sep 2025 06:51:00 -0400

Divorce isn’t just an ending — it’s a beginning. Bruce Sellery speaks with Olivia Howell, co-founder and CEO of Fresh Starts Registry, about how divorce registries are helping people rebuild their homes, routines, and lives after a separation. Discover how these registries work, why they reduce the overwhelm of starting over, and how they help friends and family show meaningful support.

You’ll Learn

From Wedding Registry to Divorce Registry: Olivia shares how her own divorce inspired the creation of Fresh Starts Registry — a platform to help people rebuild their homes after a breakup.
Practical Support, Not Just Gifts: Registries include vetted bundles for every room and budget — from $7 shower curtains to full kitchen sets — to make starting over easier.
More Than Divorce: Fresh Starts Registry also supports other life transitions, like coming out, job loss, moving, and post-illness recovery.

If you are feeling overwhelmed going through a divorce this conversation is packed with ways of learning that you are a the beginning of your new life.

Find out more at freshstartregistry.com and connect with Olivia on Threads, Facebook and Instagram.

The Uncertainty Advantage: Thriving in a Chaotic World with Scott Stirrett

Wed, 17 Sep 2025 06:50:00 -0400

Feeling overwhelmed by the chaos of today's world? You're not alone — but uncertainty might actually be your secret weapon. In this episode of Moolala: Money Made Simple, host Bruce Sellery sits down with Scott Stirrett, author of The Uncertainty Advantage and founder of Venture for Canada, to explore how uncertainty can be transformed from a source of anxiety into a catalyst for growth.

Scott shares his personal journey — leaving Goldman Sachs at 22, navigating OCD during the pandemic, and building a national nonprofit — to illustrate how confronting the unknown can lead to resilience, purpose, and opportunity.

You’ll learn:

What “uncertainty” really means and why today’s world is four times more uncertain than in 2008
Six pillars for building your “uncertainty muscle” including adaptability, antifragility, and entrepreneurial thinking
How young professionals (and anyone, at any career stage) can thrive during disruptive times
Why cultivating both strong and weak professional ties is essential for opportunity and resilience

If you’re facing career uncertainty, worried about AI disruption, or just want to feel more confident about the future, this conversation is packed with actionable insights and inspiration.

Connect with Scott on X/Twitter and LinkedIn and sign up to his Substack.

Start Over With a Divorce Registry, Find Out How To Enter the Labour Market in Uncertain Times & Cashback Program for Home Buyers | Full Episode

Tue, 16 Sep 2025 06:50:00 -0400

This week Bruce Sellery explores three timely money topics to help you navigate today’s changing financial landscape. First, we look at the state of the labour market during uncertain times with Scott Stirrett, author of The Uncertainty Advantage. Learn how to adapt your career strategy, build resilience, and strengthen your professional network when the job market feels unpredictable. Next, Olivia Howell, co-founder and CEO of Fresh Starts Registry, joins us to talk about divorce registries — an innovative way for individuals to get the essential items they need as they begin a new chapter after separation. Finally, Benjy Katchen, CEO of Wahi, explains how their cashback program from a digital real estate platform and brokerage can put thousands of dollars back in your pocket after buying a home. If you’re facing a big life transition, worried about your job security, or curious about how to save money on your next home purchase, this episode is packed with practical insights you can act on right away. To find out more about the guests check out:

Scott Stirrett: Substack | X/Twitter | LinkedIn
Benjy Katchen: wahi.com | X/Twitter | Instagram
Olivia Howell: freshstartregistry.com | Threads | Facebook | Instagram

Best of: Money and Technology | Full Episode

Tue, 29 Jul 2025 06:50:00 -0400

Retiring abroad. Jen Barnett, co-founder of Expatsi, takes us through the financial considerations people have to make before spending retirement in a new country. Then, A budgeting app for newcomers by newcomers, designed to increase financial confidence. It’s called Butterfly. Credit Canada’s Tanvi Chitnis is here to tell us how it works. And, Darrell MacMullin, SVP Product and Solutions at Mastercard in Canada, takes us through their emerging tech trends report. Plus, we’ll speak with Michelle Hilscher from BEworks about their behavioural science course for financial advisors.

To find out more about the guests check out:

Jen Barnett: Facebook | Instagram | TikTok
Tanvi Chitnis: creditcanada.com | Facebook | X | Instagram
Michelle Hilscher: LinkedIn
Darrell MacMullin: LinkedIn | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Best of: Money and Your Job | Full Episode

Tue, 22 Jul 2025 06:50:00 -0400

Imagine taking a year off work, by choice, and long before your retirement. Jillian Johnsrud, a coach who helps people take career breaks, tells us how to prepare financially. Then, how to effectively change jobs. Michael Horn, author of JOB MOVES: 9 Steps For Making Progress In Your Career, shares his tips. And, the financial cost of ignoring burnout. Olga Morawcynski, founder of Heal-3 and a mental wellbeing advocate, tells us about her journey. Plus, getting laid off and sharing your experience on TikTok. Giovanna Ventola, founder of Rhize, shares why she turned to social media after losing her job and how she’s now helping others with their job search.

To find out more about the guests check out:

Jillian Johnsrud: retireoften.com | Instagram
Michael Horn: jobmoves.com | LinkedIn | X
Heal-3: heal-3.com | LinkedIn
Olga Morawcynski: LinkedIn
Giovanna Ventola: TikTok | Instagram | LinkedIn
Rhize: rhizetogether.com | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Best of: Books to Improve Your Finances | Full Episode

Tue, 15 Jul 2025 06:40:00 -0400

Books to improve your finances. The first one is about what it means to be wealthy. Daniel Crosby, psychologist and behavioral finance expert, will be here to talk about his book The Soul of Wealth. Then, a new financial literacy book for kids. Author Cinders McLeod takes us through the latest book in the MONEYBUNNY series called How Do YOU Spend? And, twenty lessons from retirement thought leaders. Christine Benz tells us about her book How to Retire. Plus, we speak with Daryl Fairweather, Chief Economist at Redfin, about her new book called Hate the Game: Economic Cheat Codes for Life, Love, and Work.

To find out more about the guests check out:

Daniel Crosby: X | LinkedIn
Daryl Fairweather:Linktree
Cinders McLeod:Instagram | X
Moneybunny:Instagram | X | Facebook
Christine Benz:morningstar.com | X | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Best of: All About Newcomers | Full Episode

Tue, 08 Jul 2025 06:50:00 -0400

Newcomers and building credit. Founders of Mundo Together Carolina Restrepo and Juan Cala came to Canada around six years ago. They share their experience building up their credit history when they first came here. Then, an app for newcomers called “Welcome to Canada”. PeaceGeeks CEO Jennifer Freeman takes us through its features. And, managing your money in a way that works with your beliefs. Dr. Mohamad Sawwaf, founder and CEO of Manzil, tells us about their halal financial services. Plus, we speak with Juan Sebastian D’Achiardi, of TransUnion Canada, about a tool that can help improve credit access for new and young Canadians.

To find out more about the guests check out:

Juan Cala & Carolina Restrepo: mundotogether.com | Instagram | YouTube | TikTok
Jennifer Freeman: LinkedIn
PeaceGeeks: PeaceGeeks AI Career Coach | X/Twitter | LinkedIn | Facebook | Instagram
Welcome To Canada: LinkedIn | Facebook | X/Twitter | TikTok
Mohamad Sawwaf: X/Twitter | Instagram | Facebook
Juan Sebastian D’Achiardi: LinkedIn | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Money and How It’s Different For Women

Wed, 25 Jun 2025 06:53:00 -0400

So how can financial advisors better serve their female clients. Cary Carbonaro is an author and certified financial planner. She joins us to talk about her book “Women and Wealth: A Playbook to Empowering Clients and Unlocking Their Fortune”.

Find out more at carycarbonaro.com and book Cary at carycarbonaro/speaking. Connect on LinkedIn, Instagram, Facebook and X/Twitter.

Payment Networks Venture Into AI to Enhance Customers’ Shopping Experience

Wed, 25 Jun 2025 06:52:00 -0400

Artificial intelligence is becoming more and more common in everyday life. Payment networks like Visa and Mastercard are turning to AI technologies, like AI agents, to shop for you and actually “buy” things for you. Tor Constantino, a writer for Forbes, joins us to explain how it all works.

Find out more at torconstantino.com and connect on LinkedIn and X/Twitter.

The Financial Toll of Dementia

Wed, 25 Jun 2025 06:51:00 -0400

Dealing with dementia. When you think of the financial cost of dementia, you might think of all the things you’d go through “after diagnosis”–like the time off work, and treatment that’s not covered. This can all add up. Luke Yoquinto, researcher at the MIT AgeLab and author of Longevity Hubs: Regional Innovation for Global Aging, joins us to take us through what he and partner Josheph Coughlin discovered in their research.

Connect with Luke on BlueSky and LinkedIn.

What Should You Do When You Win The Lottery

Wed, 25 Jun 2025 06:50:00 -0400

Whether it’s a prize you’ve won, an inheritance, or you recently sold a business, what happens with these huge financial gains. Julia Chung, certified financial planner and CEO of Spring Planning, joins us to take us through what you should do and things you should not do.

Find out more at springplans.com and connect on X/Twitter, Facebook, and Instagram.

The Big Lottery Win: What to do if you Unexpectedly Hit the Jackpot | Full Episode

Tue, 24 Jun 2025 06:50:00 -0400

People fantasize about winning the lottery or receiving a massive, surprise inheritance. It does happen, more than you might think. So, what do you do to ensure you make a solid financial plan for your windfall? Julia Chung, certified financial planner and the co-founder and CEO of Spring Planning, takes us through some of the dos and don’ts. Then, the financial cost of dementia, even before diagnosis. Luke Yoquinto, a researcher at the MIT AgeLab, takes us through his recent findings. And a guidebook for financial advisors to better serve their female clients. Cary Carbonaro, certified financial planner, tells us about her book Women and Wealth: A Playbook to Empowering Clients and Unlocking Their Fortune. Plus, we’ll speak with Tor Constantino, a writer for Forbes.com, about how payment networks like Visa and Mastercard are turning to AI technologies to “help” you buy more.

To find out more about the guests check out:

Julia Chung: springplans.ca | X/Twitter | Facebook | Instagram
Luke Yoquinto: BlueSky | LinkedIn
Tor Constantino: torconstantino.com | LinkedIn | X/Twitter
Cary Carbonaro: carycarbonaro.com | carycarbonaro/speaking | LinkedIn | Instagram | Facebook | X/Twitter

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Picking the Right Points Card

Wed, 18 Jun 2025 06:53:00 -0400

Canadians love loyalty programs. There are almost always a win for the marketers. But how do you make sure they are a win for you? To win, you have to learn how to play the game. Barry Choi, a personal finance expert, joins us to take us through the rules and gives us tips on how to win.

Find out more at moneywehave.com and connect on Instagram.

The Unexpected Layoff

Wed, 18 Jun 2025 06:52:00 -0400

Getting laid off is scary, and very often it is unexpected. Without another job lined up, it can be a real challenge to figure out how to manage your finances. Aravind Sithamparapillai, an associate with Ironwood Wealth Management Group, joins us to talk about what needs managing when you get laid off.

Connect with Aravind on X/Twitter and LinkedIn.

AI Is Everywhere, What About Helping With Your Debt

Wed, 18 Jun 2025 06:52:00 -0400

Artificial Intelligence seems to be everywhere including personal finance. Credit Canada has now launched an AI debt management agent called Mariposa. Natasha Kinnear, the Digital Delivery Manager, joins us to tell us how it works.

Find out more about Credit Canada on Facebook, X/Twitter, LinkedIn, Instagram, YouTube, and TikTok. Connect with Natasha on LinkedIn.

Canadians are Struggling To Cover Their Credit Cards

Wed, 18 Jun 2025 06:51:00 -0400

New data from Equifax Canada shows Canadians are struggling to make ends meet. From credit cards to mortgages, things are not looking good. Rebecca Oakes, Vice President of Advanced Analytics at Equifax Canada, joins us to talk about the findings of their quarterly report.

Connect with Equifax Canada on X/Twitter.

AI and Personal Finance: How Mariposa, the Debt Management AI agent, Can Help You Get Back on Track | Full Episode

Tue, 17 Jun 2025 06:50:00 -0400

Canadians are struggling to make their monthly payments on credit cards and mortgages. Rebecca Oakes, Vice President of Advanced Analytics at Equifax Canada, tells us about their latest findings. Then, what do you do about your finances if you lose your job? Aravind Sithamparapillai, an associate at Ironwood Wealth Management Group, tells us how to handle a layoff. And how to play the loyalty points game. Barry Choi, personal finance expert, takes us through the rules and how to win. Plus, we’ll speak with Natasha Kinnear, Credit Canada's Digital Delivery Manager, about their Mariposa AI agent that helps with debt management.

To find out more about the guests check out:

Rebecca Oakes: X/Twitter
Credit Canada: Facebook | X/Twitter | LinkedIn | Instagram | YouTube | TikTok
Natasha Kinnear: LinkedIn
Aravind Sithamparapillai: X/Twitter and LinkedIn
Barry Choi: moneywehave.com | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Financial Literacy for Black, Indigenous and Racialized Youth

Tue, 10 Jun 2025 06:53:00 -0400

The University of Toronto School of Continuing Studies in collaboration with Wealthsimple Foundation have launched a personal finance course designed specifically for Black, Indigenous and racialized youth. Martina Besteiro, a co-creator of the course, joins us to take us through how it works.

Find out more on Instagram and connect with Martina on LinkedIn.

Figuring Out What Voluntary Benefits Are

Tue, 10 Jun 2025 06:52:00 -0400

When on the hunt for a new job what kind of benefits are offered is a consideration you look at. Most places have standard benefits but recently some employers have started to offer ‘voluntary benefits’. Elaine Yedlin, Chief Operating Officer from Perigon Life, joins us to tell us more about how this works and what Perigon Life offers.

Find out more at perigonlife.com and connect on Instagram and LinkedIn. Connect with Elaine on LinkedIn.

What Happens When You Meet with a Non-Profit Credit Counsellor

Tue, 10 Jun 2025 06:51:00 -0400

If you’re struggling with debt, you might have heard of non-profit credit counselling but what actually happens when you sit down with a credit counsellor. Doris Asiedu, a certified credit counsellor with Credit Canada, joins us to give a behind-the-scenes look at what happens in a first session.

Connect with Credit Canada on Facebook, X/Twitter, LinkedIn, and Instagram.

What Is a Death Doula? End-of-Life Support That Complements Estate Planning

Tue, 10 Jun 2025 06:50:00 -0400

Certified death doula Michelle Leray demystifies the role of a non-medical professional who supports individuals and families before, during, and after death. Learn how death doulas provide education, planning, respite, and bedside presence, plus why some people choose to die privately. We connect this compassionate support to estate planning basics: talking with loved ones, clarifying wishes, and reducing stress when it matters most. If you’re building a complete financial plan, this conversation adds the human layer your documents can’t capture.

Find out more about the Spirited Guided Path on Facebook and Instagram. Also for more information on the Death Doulas of Manitoba check out Facebook and Instagram.

The “Death Doula”: How To Include Their Services In Your Estate Plan | Full Episode

Tue, 10 Jun 2025 06:50:00 -0400

Many people know what a doula does for a family during childbirth. What about a “death doula"? Michelle Leray, certified death doula, tells us how she supports clients and their families at the end of life. Then, what to expect during your first session with a credit counsellor. Doris Asiedu, a counsellor with Credit Canada, takes us through the process. And, a personal finance course designed specifically for Black, Indigenous and racialized youth from The University of Toronto School of Continuing Studies and Wealthsimple Foundation. Co-creator Martina Besteiro tells us about the program. Plus, we’ll speak with Elaine Yedlin, Perigon Life's Chief Operating Officer, about voluntary work benefits.

To find out more about the guests check out:

Spirited Guided Path: Facebook | Instagram
Death Doulas of Manitoba: Facebook | Instagram
Credit Canada: Facebook | X/Twitter| LinkedIn | Instagram
Perigon Life: perigonlife.com | Instagram | LinkedIn
Elaine Yedlin: LinkedIn
Martina Besteiro: Instagram | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Financial Technology Companies Partnering With Banks

Wed, 28 May 2025 06:52:00 -0400

We have Ankita Dmello, Principal Product Manager at wise, join us to talk about the importance of their increasing partnership with banks surrounding international money transfer services and multi-currency accounts.

Find out more at wise.com and connect on Facebook, X/Twitter, and Instagram.

Attracting Remote Workers To Your City

Wed, 28 May 2025 06:51:00 -0400

For generations, cities have been trying to attract businesses. But there are also cities that are trying to attract remote workers. Justin Harlan, Managing Director for Tulsa Remote, joins us to talk about how Tulsa, Oklahoma is trying to capitalize on this.

Find out more at tulsaremote.com.

Finding a Purpose: Real or Marketing Bunk

Wed, 28 May 2025 06:50:00 -0400

How can businesses and leaders find purpose? And what does it actually look like? Rone Tite, author of The Purpose of Purpose, joins us to take us through the The Think Do Say Framework that transforms purpose into growth.

Find out more at rontite.com and connect on Instagram, X/Twitter, and LinkedIn.

Reframing the Idea of “Purpose”: A New Book for Leaders in all Sectors | Full Episode

Tue, 27 May 2025 06:50:00 -0400

Helping business leaders and organizations find true purpose. Author and speaker Ron Tite takes us through his book The Purpose of Purpose. Then, attracting remote workers to Tulsa, Oklahoma, $10,000 at a time. Justin Harlan tells us about the Tulsa Remote program and what it’s doing for his city. Plus, the importance of bank-fintech partnerships to the consumer. Ankita Dmello, principal product manager at Wise.

To find out more about the guests check out:

Rone Tite: rontite.com | Instagram | X/Twitter | LinkedIn
Justin Harlan: tulsaremote.com
Ankita Dmello: wise.com | Facebook | X/Twitter | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Could You Survive a Challenge To a No-Buy For A Year

Wed, 14 May 2025 06:53:00 -0400

We all love a good challenge. But can you challenge yourself to not buy anything but essentials for an entire year? That’s the latest social media trend - the ‘no buy challenge’. Rebecca Rowe, a decluttering expert, joins us to talk about the “challenge” and share her tips on getting started.

Find out more on rebeccarowe.ca and connect on Instagram, LinkedIn, Facebook and YouTube.

Financial Planning DIY

Wed, 14 May 2025 06:52:00 -0400

When it comes to financial planning many are choosing to go the do-it-yourself route. There are many apps out there and one of the betters ones is called Optiml. CEO Zac Davies joins us to explain how it works and its main features.

Find out more at optiml.ca and connect on Instagram, Facebook, Reddit and LinkedIn.

Economic Tools to Win at the ‘Game of Life’

Wed, 14 May 2025 06:51:00 -0400

What are the ways to use economic tools to win at the “real” “game of life? Daryl Fairweather, chief economist at Redfin and author of Hate the Game: Economic Cheat Codes for Life, Love, and Work. She joins us to talk about these tools and what she covers in her book.

Find all of Daryl’s links on Linktree.

Getting a Loan at a Convenience Store

Wed, 14 May 2025 06:50:00 -0400

Chips, chocolate bars, soft drinks and a loan all at one store. iFinance is working with Circle K to offer personal loans at some store in Ontario. William Breton, Vice-President and Chief Operating Officer, joins us to tell us how it will work.

Connect with iFinance on Instagram, Facebook, LinkedIn and TikTok.

The ‘No Buy Challenge’: How to Turn Off the Spending Taps | Full Episode

Tue, 13 May 2025 06:50:00 -0400

How to navigate the ‘no buy challenge’. Decluttering expert Rebecca Rowe tells us what it’s all about and shares her tips for getting started. A partnership between iFinance and Circle K that lets you access personal loans from the convenience store. William Breton, Vice President and Chief Operating Officer of iFinance, takes us through how it works. Then, a Canadian financial planning app called Optiml. Zac Davies, co-founder and CEO, tells us about its main features. Plus, we speak with Daryl Fairweather, Chief Economist at Redfin, about her new book called Hate the Game: Economic Cheat Codes for Life, Love, and Work.

To find out more about the guests check out:

William Breton: Instagram | Facebook | LinkedIn | TikTok
Daryl Fairweather: Linktree
Zac Davies: optiml.ca | Instagram | Facebook | Reddit | LinkedIn
Rebecca Rowe: rebeccarowe.ca | Instagram | LinkedIn | Facebook | YouTube

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Dealing With The Affordability Crisis

Wed, 07 May 2025 06:53:00 -0400

Supporting Canadians dealing with the affordability crisis and who are financially vulnerable is the goal of a new Resilient Futures initiative from Prosper Canada. To explain how it works, Galen Maclusky, Prosper Canada’s Director of Frontline Programs, joins us.

Find out more at prospercanada.com and connect on X/Twitter, Facebook, and LinkedIn.

Beyond the Base Salary

Wed, 07 May 2025 06:52:00 -0400

Your salary is obviously an important factor when looking for a job. But there are other things you might factor in like career growth, benefits and retirement savings programs. Amit Sonnilal, VP of Capital One Canada, joins us to discuss how to maximize your total package.

Find out more at capitalone.ca and connect on Instagram and Facebook.

The Hidden Fees of Home Buying

Wed, 07 May 2025 06:51:00 -0400

You are buying a house, secured the down payment and ready to get going, however there are a number of other fees you need to consider when buying a new home. To tell us more about it and what homebuyers need to know we have Robert Saunders, CEO and co-founder of Ownright, joins us.

Find out more at ownright.com and connect on X/Twitter. Connect with Robert on LinkedIn.

Is Our Labour Market Frozen

Wed, 07 May 2025 06:50:00 -0400

A recent article in the Atlantic asserted that the US labour market is ‘frozen’. To explain this further and are we seeing this in Canada is Todd Hirsch. Todd is an economist and author and joins us.

Find out more at toddhirsch.com and connect on LinkedIn.

Hidden Fees: Understanding the Cost of Closing on Real Estate | Full Episode

Tue, 06 May 2025 06:50:00 -0400

The hidden fees of buying a home. Robert Saunders, CEO and co-founder of Ownright, takes us through them. How to maximize your income beyond your base salary. Amit Sonnilal, VP of Capital One Canada, shares his tips for taking advantage of every dollar. Then, a look at a frozen labour market. Economist Todd Hirsch explains what it is and how it can impact the economy. Plus, we speak with Galen MacLusky, Director of Frontline Programs at Prosper Canada, about their new Resilient Futures Initiative.

To find out more about the guests check out:

Todd Hirsch: toddhirsch.com | LinkedIn
Ownright: ownright.com | X/Twitter
Robert Saunders: LinkedIn
Amit Sonnilal: capitalone.ca | Instagram | Facebook
Galen Maclusky: prospercanada.org | X/Twitter | Facebook | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

What’s a Sinking Fund

Wed, 30 Apr 2025 06:53:00 -0400

We are joined by Reni Odetoyinbo, founder of Reni The Resource, to tell us what a ‘Sinking Fund’ is, how they work and why you should have one.

Find out more at renitheresource.com and connect on Instagram, YouTube, X/Twitter and TikTok.

Stop Apologizing For Making a Profit

Wed, 30 Apr 2025 06:52:00 -0400

Some entrepreneurs, often female entrepreneurs can get in their own way before they don’t feel like they can charge what their product or service is worth. Vanessa Bowen, Founder of Mint Worthy, wants to do something about that focusing on female entrepreneurs.

Find out more on Instagram and Facebook.

Helping The BIPOC Community Reach Their Financial Goals

Wed, 30 Apr 2025 06:51:00 -0400

We speak to David Griffiths, CEO and Founder of Brothers Who Care, about their LEGUP Wealth initiative and how they’re helping BIPOC communities reach their financial goals.

Find out more about Brothers Who Care on Instagram and connect with David on Instagram and LinkedIn.

Buying a Car From Your Living Room

Wed, 30 Apr 2025 06:50:00 -0400

It’s time to by a used car and the process of going to dealerships, a used car lot, going through Autotrader or Kijiji is exhausting but what if you didn’t have to leave your house. Clutch is a used car company that allows you to buy, sell, or finance your next car one hundred percent online. Clutch CEO Dan Park joins us to talk about how it works.

Find out more on Facebook, Instagram, YouTube, LinkedIn, or X/Twitter. Connect with Dan on X/Twitter, Instagram, and LinkedIn.

Buying or Selling Your Car Entirely Online | Full Episode

Tue, 29 Apr 2025 06:50:00 -0400

Buying or selling your car without having to leave the house through Clutch. Dan Park, CEO of Clutch, tells us how the online company works. Then, a new chapter for Mint Worthy. Vanessa Bowen tells us why she’s changing from personal finance coaching to helping women entrepreneurs. And, how to save for future expenses through sinking funds. Reni Odetoyinbo, content creator and founder of Reni The Resource, tells us how they work. Plus, we speak with David Griffiths, CEO and Founder of Brothers Who Care, about their LEGUP Wealth initiative.

To find out more about the guests check out:

Clutch: Facebook | Instagram | YouTube | LinkedIn | X/Twitter
Dan Park: X/Twitter | Instagram | LinkedIn
Brothers Who Care: Instagram
David Griffiths: Instagram | LinkedIn
Vanessa Bowen: Instagram | Facebook
Reni Odetoyinbo: com | Instagram | YouTube | X/Twitter | TikTok

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Owning a Business Together Can Be Complicated With Divorce

Wed, 09 Apr 2025 06:53:00 -0400

Divorce is complicated. Having to go through the process of getting a lawyer and splitting assets can be a challenge. But what if you and your partner own a business together? That’s where things can get complicated. Laura Paris, associate lawyer at Shulman & Partners LLP, joins us to take us through on what happens to your business when you are going through a divorce.

Find out more at shulman.ca and connect on Instagram, X/Twitter and Facebook.

The Cost of Financial Stress and Mental Health

Wed, 09 Apr 2025 06:52:00 -0400

If you’re struggling financially, it could also have an impact on your mental health. And, ignoring your mental health challenges may cost you. Olga Morawcynski, founder of Heal-3 and a mental wellbeing advocate, joins us to tell us about her journey and the relationship between money and mental health.

Find out more at heal-3.com and on LinkedIn. Connect with Olga on LinkedIn.

Improving Credit Access for New Canadians

Wed, 09 Apr 2025 06:51:00 -0400

It is difficult for new Canadians to build credit and TransUnion Canada recently introduced a tool that can help improve credit access for new and younger Canadians. Juan Sebastian D’Achiardi, the regional vice-president, joins us to tell us how it works and what lenders need to know.

Find out more on LinkedIn and Instagram.

Helping Teens Learn Crucial Money Skills

Wed, 09 Apr 2025 06:50:00 -0400

We talk a lot about teaching people how to get a handle on their money and one person has written a book specifically targeting teens. Shannon Lee Simmons, certified financial planner, chartered investment manager, life coach and author, joins us to take us through her latest book called Making Bank.

Connect on Instagram with Shannon and the New School of Finance.

Making Bank: A Personal Finance Book for Teens | Full Episode

Tue, 08 Apr 2025 06:50:00 -0400

A personal finance book for teenagers. Shannon Lee Simmons, certified financial planner, chartered investment manager, life coach and author, takes us through Making Bank: Money Skills for Real Life. Then, the financial cost of ignoring burnout. Olga Morawcynski, founder of Heal-3 and a mental wellbeing advocate, tells us about her journey. And, how joint business ownership can complicate a divorce. Laura Paris, family lawyer with Shulman & Partners, takes us through the process. Plus, we speak with Juan Sebastian D’Achiardi, of TransUnion Canada, about its TruVision Trended Risk Score.

To find out more about the guests check out:

Shannon Lee Simmons: Shanno Lee Simmons(IG) | New School of Finance(IG)
Juan Sebastian D’Achiardi: LinkedIn | Instagram
Heal-3: heal-3.com | LinkedIn
Olga Morawcynski: LinkedIn
Laura Paris: shulman.ca | Instagram | X/Twitter | Facebook

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Spring Cleaning Your Finances

Wed, 26 Mar 2025 06:53:00 -0400

Spring is in the air and so it is time to do some financial spring cleaning. Lesley-Anne Scorgie, personal finance columnist and founder of MeVest, joins us to talk about her P-U-R-G-E system to spring clean your finances and help you make some extra cash.

Find out more at mevest.ca and connect on Facebook, Instagram and X.

Financial Planning For Rural Residents

Wed, 26 Mar 2025 06:52:00 -0400

Financial planning can differ for everyone depending on their situation. For some who live in rural areas and may even own a farm, there are several considerations they have to make when it comes to their personal finances. Marissa Epp, a farm finance specialist and owner of Epp Financial, joins us to breakdown how personal finance is for those living in rural areas.

Find out more at eppfinacial.com and connect on Instagram and Facebook.

What Costs Come With Travelling The World

Wed, 26 Mar 2025 06:51:00 -0400

Many people dream of traveling the world. But it does come at a cost, especially when it comes to finding accommodation. One option people have been considering is house-sitting. Angela Laws, head of public relations and charity partnerships at TrustedHousesitters, join us to tell us more about it and how it works.

Find out more at trustedhousesitters.com and connect on Instagram, Facebook, and YouTube.

Do Boycotts Work

Wed, 26 Mar 2025 06:50:00 -0400

Some people chose to reflect their values in the way they shop. But does consumer activism actually make a difference? Lindsey Stanberry, founder of The Purse, joins us to talk about the article she wrote about consumer activism.

Find out more at The Purse and connect on Instagram.

What It Means To Be a Conscious Consumer | Full Episode

Tue, 25 Mar 2025 06:50:00 -0400

Is consumer activism a lost cause? Lindsey Stanberry, founder of The Purse, reflects on her own consumer decisions and considers if they make a difference. Then, how to earn some extra cash with a “financial spring cleaning”. Lesley-Anne Scorgie, personal finance columnist and founder of MeVest, tells us about her P-U-R-G-E system. And, house-sitting as a cheap option to travel the world. Angela Laws, of TrustedHousesitters, tells us how it works. Plus, we speak with Marissa Epp, a professional financial advisor and farm finance specialist, about financial planning for those living in rural areas.

To find out more about the guests check out:

Lindsey Stanberry: The Purse | Instagram
Angela Laws: trustedhousesitters.com | Instagram | Facebook | YouTube
Marissa Epp: eppfinancial.com | Instagram | Facebook
Lesley-Anne Scorgie: mevest.ca | Facebook | Instagram | X

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Retiring Abroad and How To Do It

Wed, 19 Mar 2025 06:53:00 -0400

If you have ever dreamed of retiring abroad but know this decision comes with a number of financial considerations. Jen Barnett, co-founder of Expatsi, joins us to talk about how they help people find their new home abroad.

Connect on Facebook, Instagram, and TikTok.

Divorce, Debt and Filing for Bankruptcy

Wed, 19 Mar 2025 06:52:00 -0400

How does it work if you need to file for consumer proposal or bankruptcy while going through a divorce. Wesley Cowan, senior vice president and licensed insolvency trustee for MNP, joins us to take us through how joint debt is handled in insolvency.

Find out more at mnpdebt.ca and connect with Wesley here at MNP and on LinkedIn.

Mixing Hip Hop and Finance

Wed, 19 Mar 2025 06:51:00 -0400

Can Hip Hop and Finance mix together? Well Drew Boyer, certified financial planner, feels that it can and even wrote a book to show it. Drew joins us to take us through his book, HIP HOP X FINANCE: Become a Finance Gangster, Get Off Debt Row and Stack Your Cash Flow.

Find out more at hiphopxfinance.com and connect on Facebook, TikTok, and Instagram.

The Various Ways To Save For Your Kids Education

Wed, 19 Mar 2025 06:50:00 -0400

The Registered Education Savings Plan is a home run when it comes to savin g for your kids education. There are various ways to set up an RESP and we have Andrew Lo, CEO of Embark, joins us to talk about how they go about it.

Connect with Embark on Facebook, LinkedIn, Instagram, TikTok and YouTube.

Retiring Abroad: Tips on Building Your Financial Plan | Full Episode

Tue, 18 Mar 2025 06:50:00 -0400

Retiring abroad. Jen Barnett, co-founder of Expatsi, takes us through the financial considerations people have to make before spending retirement in a new country. Then, saving for your child’s education during times of economic uncertainty. Andrew Lo, CEO of Embark, helps us navigate those financial challenges. And, going through a divorce when you have joint debt. Wesley Cowan, senior vice-president and licensed insolvency trustee with MNP, tells us what happens to this debt during insolvency. Plus, we speak with Drew Boyer, certified financial planner and hip-hop enthusiast, about his book HIP HOP X FINANCE: Become a Financial Gangster, Get Off Debt Row and Stack Your Cash Flow.

To find out more about the guests check out:

Andrew Lo: Facebook | LinkedIn | Instagram | TikTok | YouTube
Drew Boyer: hiphopxfinance.com | Facebook | TikTok | Instagram
Wesley Cowan: MNP | LinkedIn
MNP: mnpdebt.ca
Jen Barnett: Facebook | Instagram | TikTok

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Managing a Debt After a Job Loss

Wed, 12 Mar 2025 06:53:00 -0400

It’s one thing to manage your debt when you are working but what about after you have lost your job. Randolph Taylor, accredited financial counsellor with Credit Canada, joins us to share his tips on what to do if this happens.

Connect with Credit Canada on Facebook, X, LinkedIn, and Instagram.

Your Debt and Your Job

Wed, 12 Mar 2025 06:52:00 -0400

If you are in debt, it can have an impact on your career, especially true if you have to declare bankruptcy or file a consumer proposal. How do you handle these situations if you’re currently employed or looking for a job? Rob Kilner, a licensed insolvency trustee at Spergel, joins us to take us through that process.

Connect with Spergel on Instagram, X, Facebook, and TikTok.

Forecasting Bank Balances With An App

Wed, 12 Mar 2025 06:51:00 -0400

More people these days use personal finance apps and tools to help them budget their money and plan for the future. One such tool is called PocketSmith, which helps forecasting future bank balances. Jason Leong, CEO and co-founder, joins us to tell us how it works.

Connect with PocketSmith on Facebook, Instagram and LinkedIn.

Navigating Your Mortgage Renewal

Wed, 12 Mar 2025 06:50:00 -0400

Mortgage renewals can be a challenge when it comes to finding the best product, lender and term especially during a period of economic uncertainty. Rob McLister, an interest rate analyst and mortgage strategist, joins us to go over the mortgage planning acronym he coined called I.D.E.A.S. and tell us what it is all about.

Find out more at mortgagelogic.news and connect with Rob on X.

How to Navigate Your Mortgage Renewal | Full Episode

Tue, 11 Mar 2025 06:50:00 -0400

Navigating your mortgage renewal during times of economic uncertainty. Rob McLister, interest rate analyst and mortgage strategist tells us about the mortgage planning acronym he coined called I.D.E.A.S. Next, a budgeting tool called PocketSmith. CEO and co-founder Jason Leong tells us how the cash flow forecasting features works. Then, a focus on debt and your job. First, how filing for bankruptcy or a consumer proposal can impact your career. Rob Kilner, licensed insolvency trustee with Spergel, takes us through the process. Second, managing your debt when you’ve lost your job. Randolph Taylor, an accredited financial counsellor with Credit Canada, brings how insight.

To find out more about the guests check out:

Rob McLister: mortgagelogic.news | X
Jason Leong: Facebook, Instagram and LinkedIn
Rob Kilner: Instagram | X | Facebook | TikTok
Randolph Taylor: Facebook | X | LinkedIn | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Moving into Retirement

Wed, 05 Mar 2025 06:53:00 -0500

If you’re about to retire - you’re about to enter a brand new chapter in life. And it’s not always easy. Scott Armstrong, CEO of Mind Switch and author of Retire & Aspire, joins us to talk more about his book and how Mind Switch helps people transition into this new stage

Connect on Facebook, X and Instagram.

Giving is an Important Part of Financial Literacy

Wed, 05 Mar 2025 06:52:00 -0500

We talk a lot about teaching kids about money and financial literacy but not so much about being generous and charitable. John Bromley, CEO and founder of Charitable Impact, joins us to talk about a tool they created called Charitable Allowance that helps kids and teens practice generosity.

Find out more at charitableimpact.com and connect on LinkedIn, X and Facebook. Connect with John on LinkedIn.

Indigenous Financial Wellbeing

Wed, 05 Mar 2025 06:51:00 -0500

Prosper Canada has created a “lump sum payment toolkit” in anticipation of a significant settlement for First Nations Communities. It is called the “First Nations Child and Family Services and Jordan’s Principle” Settlement. Carrie Wong, Learning and Training Senior Manager, joins us to tell us more about the toolkit.

Connect with Prosper Canada on X, Facebook, Instagram and YouTube.

An Out-Of-This-World Exchange Traded Fund

Wed, 05 Mar 2025 06:50:00 -0500

There are a number of interesting and odd Exchange Traded Funds out there and we found one that is truly out of this world. Chief Executive Matthew Tuttle, Chief Executive of Tuttle Capital, is here to explain the motivation behind their new ETF that invests in companies with potential links to alien technology and the potential risks.

Find out more at tuttlecap.com and connect on X.

An ETF for UFOs? A New Fund That Invests in Alien-Related Technology | Full Episode

Tue, 04 Mar 2025 06:50:00 -0500

An ETF that invests in companies with potential links to alien technologies. Matthew Tuttle, CEO of Tuttle Capital, tells us about investing in UFOs. Then, teaching kids about giving. John Bromley, CEO and founder of Charitable Impact, tells us about a new tool called Charitable Allowance. And, changing the way you think about retirement. Scott Armstrong, CEO of Mind Switch takes us through his book Retire and Aspire. Plus, we speak with Prosper Canada about their toolkit for lump sum payments and Indigenous financial wellness.

To find out more about the guests check out:

Matthew Tuttle: tuttlecap.com | X
Carrie Wong: X | Facebook | Instagram | YouTube
Charitable Impact: charitableimpact.com | LinkedIn | X | Facebook
John Bromley: LinkedIn
Scott Armstrong: Facebook | X | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Focusing on Increasing Financial Well-Being in Canada

Wed, 26 Feb 2025 06:53:00 -0500

There are many initiatives that focus on increasing financial well-being in Canada an each bringing a different spin on how best to help people get a better handle on their money. Millie Acuna, manager at SEED Winnipeg, joins us talk about how their non-profit is working to improve financial wellbeing in Manitoba.

Connect with Millie on LinkedIn.

Returnless Refunds

Wed, 26 Feb 2025 06:52:00 -0500

Making a return on an online purchase can be a pain for the customer but it is also a pain for the company. Some companies and now offering “returnless refunds” to save you time and money. Kyle James, founder of Rather-Be-Shopping.com, joins us to talk about what this is.

Find out more at rather-be-shopping.com and connect on Facebook and Instagram.

Managing Your Money – No Matter How Much You Are Making

Wed, 26 Feb 2025 06:51:00 -0500

The old adage goes make money and have no worries but that is definitely not true. You could be a lawyer making big money, but you could have a tough time managing cash flow. Jefferey Lamont, founder and president of Lamont Wealth Strategies, joins us to talk about how they help lawyers with wealth management including cash flow.

Connect on X and Instagram and connect with Jefferey on X and Instagram.

Investing Environment For Millennials

Wed, 26 Feb 2025 06:50:00 -0500

If you are a millennial, you may look at investing different then previous generations. Mark McGrath, financial planner an associate portfolio manager at PWL Capital Inc., joins us to talk about his book, Wealthier: The Investing Field Guide for Canadian Millennials and how millennial’s look at investing for the future.

Find out more at pwlcapital.com and order the book here. Connect with Mark on X and LinkedIn.

Wealthier: The Investing Field Guide for Canadian Millennials | Full Episode

Tue, 25 Feb 2025 06:50:00 -0500

Calling all millennials. Financial planner Mark McGrath co-wrote a personal finance book specifically for you. It’s called Wealthier: The Investing Field Guide for Canadian Millennials. He joins us to take us through it. Then, why retailers are offering “returnless refunds”. Kyle James, founder of Rather-Be-Shopping.com, explains. And, wealth management for lawyers. Jeffery Lamont, founder and president of Lamont Wealth Strategies, takes us through a cash flow management system and how it’s helped his clients. Plus, we speak with Millie Acuna, the manager of asset-building programs at SEED Winnipeg Inc., about how the non-profit helps build financial well being in Manitoba.

To find out more about the guests check out:

Mark McGrath: pwlcapital.com | X | LinkedIn
Jefferey Lamont: X | Instagram
Lamont Wealth Strategies: X | Instagram
Kyle James: rather-be-shopping.com | Facebook | Instagram
Millie Acuna: LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

The Emotional Impact of a Consumer Proposal and Bankruptcy

Wed, 19 Feb 2025 06:52:00 -0500

Completing a consumer proposal or filing for bankruptcy has a number of components to it. Sure, there are “numbers” of it. How much is owing, what’s the impact on the credit score, and all that. But there is also the “emotion” of it, before, during and afterward. Joshua Harris, licensed insolvency trustee and partner at Harris & Partners, joins us to talk about the emotional side of this process.

Find out more at harrispartners.ca and connect on Facebook.

Betting on Prediction Markets

Wed, 19 Feb 2025 06:51:00 -0500

Gambling is a hobby as old as time and recently there has been a huge focus on sports gambling with new online betting apps. But now you can wager on ‘events’, like elections. Predication markets let you bet on future events and try to make a profit. David Tyler, CEO of Outlier Technology Limited, joins us to talk about Polymarket, one of the ways you can make wagers on future events.

Find out more at outliertechnology.co.uk and connect with David on LinkedIn.

Cracking Down on Predatory Debt Advisors

Wed, 19 Feb 2025 06:50:00 -0500

There are a lot of regulated, trustworthy professionals out there to help you with your debt. Then there are those who are neither of those things. The Office of the Superintendent of Bankruptcy has plans to crack down on this problem. Elisabeth Lang, Superintendent of Bankruptcy, joins us to tell us more about how there are addressing this issue.

Find out more at the Office of the Superintendent of Bankruptcy and the Debt Solutions Portal.

The OSB’s Efforts to Shutdown Predatory Debt Advisors in Canada | Full Episode

Tue, 18 Feb 2025 06:50:00 -0500

Tackling predatory debt advisors. Superintendent of Bankruptcy Elisabeth Lang tells us more about what her office is doing to address this problem. Then, betting on future events. David Tyler, CEO of Outlier Technology Inc., is here to tell us about prediction markets like Polymarket and explain how they work. Plus, the emotional dynamics of filing a consumer proposal. Joshua Harris from Harris & Partners tells us about financial stress.

To find out more about the guests check out:

Elisabeth Lang: Office of the Superintendent of Bankruptcy | Debt Solutions Portal
David Tyler: outliertechnology.co.uk | LinkedIn
Joshua Harris: harrispartners.ca | Facebook

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

The Great Wealth Transfer

Wed, 12 Feb 2025 06:53:00 -0500

There is about to be a transfer of wealth never seen before between boomer parents and their millennial children. but a new study from Vanguard suggests that it may not help you meet your financial goals as expectations might not match reality. Mario Cianfarani, Head of Sales and Distribution for Vanguard Investment Canada, joins us to take us through the findings.

Find out more at vanguard.ca and connect on LinkedIn.

Don’t Forget Values, Wisdom and Memories in Your Estate Plan

Wed, 12 Feb 2025 06:52:00 -0500

Estate plans can include values, wisdom, and memories an not just money. LegacyNex is a service that helps people document these things. To take us through how it works we have the founder, Elena Iacono, join us.

Find out more at legacynex.com and connect on LinkedIn and Instagram.

To Rent or Buy: That is the Question

Wed, 12 Feb 2025 06:51:00 -0500

Everyday people ask themselves, should I rent or buy when it comes to finding a place to live but what about a shovel. Well nowadays you can rent just about anything. Carolyn McClanahan, a certified financial planner and founder of Life Planning Partners, joins us to talk about someone thinks through which rental decisions are right for you.

Connect with Carolyn on X, LinkedIn and Facebook.

A Gap Year for Adults

Wed, 12 Feb 2025 06:50:00 -0500

While it is popular for students to take ‘gap years’ after high school or after university, adults are now taking ‘gap years’ well into their careers. We talk to Jillian Johnsrud, who has taken a number of these breaks, to share with us on how we can do this.

Find out more at retireoften.com and connect on Instagram.

How to Take an “Adult Gap Year” | Full Episode

Wed, 12 Feb 2025 06:50:00 -0500

Imagine taking a year off work, by choice, and long before your retirement. Jillian Johnsrud, a coach who helps people take career breaks, tells us how to prepare financially. Then, the rise of the “renting” economy. Carolyn McClanahan, certified financial planner and founder of Life Planning Partners takes us through the pros and cons of renting. And a Vanguard study suggests that the “Great Wealth Transfer” may be a “Great Disappointment” for some young investors. Mario Cianfarani, from Vanguard Investment Canada Inc., tells us about the findings. Plus, we’ll speak with Elena Iacono, founder of LegacyNex, a platform that helps people transfer their legacy to generations to come, by looking beyond just money.

To find out more about the guests check out:

Jillian Johnsrud: retireoften.com | Instagram
Carolyn McClanahan: X | LinkedIn | Facebook
Elena Iacono: legacynex.com | LinkedIn | Instagram
Mario Cianfarani: vanguard.ca | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Accessing Your Home’s Equity

Wed, 05 Feb 2025 06:53:00 -0500

If you are looking to access your home’s equity you may have heard of reverse mortgages or home equity loans. Now there is another option. Shael Weinreb, CEO of The Home Equity Partners, joins us to talk about Home Equity Sharing Agreement and how it works.

Find out more at theheqpartners.com and connect on Instagram, X, Facebook, and LinkedIn.

Entrepreneurship Through Acquisition

Wed, 05 Feb 2025 06:52:00 -0500

Entrepreneurship is not only starting a company it can also be acquiring a business. Acquisition may be faster but finding a business can be challenging. Liz MacRae, president of Village Wellth, joins us to talk about their role of helping business buyers.

Find out more at villagewellth.com and connect on LinkedIn.

Find Unclaimed Money

Wed, 05 Feb 2025 06:51:00 -0500

There are a millions of dollars of unclaimed funds being held by the Bank of Canada and we have the person to help us find out if you have any these unclaimed funds. Rochelle Treister, founder of Charity Windfall Canada, joins us to tell us how to search for that unclaimed money.

Find out more at Charity Windfall and connect on Facebook and LinkedIn.

Delayed Gratification

Wed, 05 Feb 2025 06:50:00 -0500

It is not easy to delay gratification and even more difficult for people who have some neurodiversity, like ADHD. Otto Rivera, certified financial planner, joins us to share how her feels that ‘delayed gratification’ is the more important skill you can teach your child to set the stage for financial wellness in the future.

Find out more at emergent.tax and at CFP Board. Connect with Otto on LinkedIn.

ADHD and Spending. How to Build the Skill of Delayed Gratification | Full Episode

Tue, 04 Feb 2025 06:50:00 -0500

Delaying gratification is a key skill to learn, especially for those who have ADHD. Otto Rivera is a certified financial planner, and he tells us how he navigated his ADHD and his ideas for supporting others. Then, discovering unclaimed funds. Rochelle Treister, founder of Charity Windfall Canada, reveals how she helps people find money they may have forgotten about. And, how to buy a business. Liz MacRae, president of Village Wellth, outlines how her company takes people through every step of the business acquisition process. Plus, we’ll speak with Shael Weinreb, CEO of The Home Equity Partners, about a different way to access your home equity.

To find out more about the guests check out:

Otto Rivera: emergent.tax | CFP Board | LinkedIn
Rochelle Treister: Charity Windfall | Facebook | LinkedIn
Liz MacRae: villagewellth.com | LinkedIn
Shael Weinreb: theheqpartners.com | Instagram | X | Facebook | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Money and Mindset Will Forever Be Linked

Wed, 29 Jan 2025 06:52:00 -0500

Gay Hendricks, a psychologist and best-selling author, joins us to talk about the ‘Upper-Limit Problem’ and how it might be holding you back from success when it comes to life and money.

Check out Gay’s podcast at bigleappodcast.com and connect on Facebook, Instagram and YouTube. Connect with Gay on Instagram.

Come Join the Retirement Club

Wed, 29 Jan 2025 06:51:00 -0500

Retirement is a complicated subject and a tough one to tackle on your own. What is better then to start a Retirement Club. Dale Roberts, founder of ‘Cut The Crap Investing’, joins us to tell us more abou the retirement club he started and how it works.

Find out more at cutthecrapinvesting.com and connect on X and Facebook.

Sports Gambling and its Financial Impact

Wed, 29 Jan 2025 06:50:00 -0500

Gambling on sports has become a lot more popular in the last few years and with that there have been two recent U.S. studies done to look at the financial impact of expanding sports betting on individuals. Preet Banerjee, a wealth management consultant and personal finance expert, joins us to talk about the study and the piece he wrote about in the Globe & Mail.

Check out Preet at preetbanerjee.com and connect on Instagram.

Sports Betting and Your Bank Account | Full Episode

Tue, 28 Jan 2025 06:50:00 -0500

Sports betting is on the rise in Canada. And, for a lot of people, there is more losing than winning. Preet Banerjee, wealth management consultant and personal finance expert, takes us through two U.S. studies looking at the financial impact. Then, a community for retirees to learn and share ideas. Dale Roberts, founder of Cut the Crap Investing, tells us about his Retirement Club. Plus, a conversation with Gay Hendricks, psychologist and best-selling author, about the “Upper Limit Problem” and how it might be holding you back from success when it comes to life and money.

To find out more about the guests check out:

Preet Banerjee: preetbanerjee.com | Instagram
Dale Roberts: cutthecrapinvesting.com | X | Facebook
Hendrick’s Community: Facebook | Instagram | YouTube
Gay Hendricks: bigleappodcast.com | Instagram

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Profit First - An Entrepreneur Approach to Cash Flow Management

Wed, 22 Jan 2025 06:52:00 -0500

Entrepreneurs are often obsessed with revenue and use it to determine success. But when all the bills are paid what’s left in the bank is profit, but that money always seems to go back into the business, leaving the entrepreneur with nothing to spend on themselves. Kelly Cowan from the Credit Canada Gold Financial program talks to Ron Saharyan, Co-founder of Profit First Professionals about slaying the debt dragon.

Find out more at profitfirstprofessionals.com and connect on X, Facebook and LinkedIn.

How Much Do You Make?

Wed, 22 Jan 2025 06:51:00 -0500

On the list of inappropriate questions to be asked, “How Much Do You Make” has to be up there. But one person, Piyush Mongo of Salary Scale, is not afraid to ask that question. He has amassed over 440,000 followers on Instagram and 100,000 on TikTok. He joins us to talk about the process he goes through asking that question.

Connect with Piyush on TikTok, Instagram and Facebook.

Menopause – Not Just a Health Issue, a Financial Issue as Well

Wed, 22 Jan 2025 06:50:00 -0500

Dealing with menopause is not just a health issue but also a financial issue as well. The Menopause Foundation of Canada released a report looking at work and menopause and found that unmanaged menopause symptoms cost the Canada economy over $3.5 Billion. Trish Barbato, co-founder and director of the Menopause Foundation of Canada, joins us to talk about this report and more.

Find out more at menopausefoundationcanada.com and connect on X, Instagram and LinkedIn.

The Cost of Menopause | Full Episode

Tue, 21 Jan 2025 06:50:00 -0500

How much is menopause costing the Canadian economy? Trish Barbato, co-founder and director of the Menopause Foundation of Canada, tells us about their $3.5 Billion estimate and how employers can better support women experiencing menopause. And, Salary Scale. Influencer Piyush Monga tells us why he interviews people about their salaries and what he’s learned from the experience. Plus, a conversation with Ron Saharyan, co-founder of Profit First Professionals, about slaying the “debt dragon” with the Profit First approach.

To find out more about the guests check out:

Trish Barbato: menopausefoundationcanada.ca | X | Instagram | LinkedIn
Piyush Mon: TikTok | Instagram | Facebook
Ron Saharyan: profitfirstprofessionals.com | X | Facebook | LinkedIn

Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

How Much Do You Make?

Fri, 17 Jan 2025 16:31:00 -0500

On the list of inappropriate questions to be asked, “How Much o You Make” has to be up there. But one person, Piyush Mongo, is one who is not afraid to ask that question. He has amassed over 440 thousand followers on Instagram and 100 thousand on TikTok. He joins us to talk about the process he goes through with asking that question.

Connect with Piyush on TikTok, Instagram and Facebook.

How to Save for Your First Home Plus All the Fees

Wed, 15 Jan 2025 06:53:00 -0500

You finally have enough money to buy your first home but don’t forget to think of the monthly payments and commission fees. Rishard Rameez, co-founder and CEO of Zown, joins us to talk about how their online brokerage and payment assistance provider works.

Find out more at zown.ca and connect on LinkedIn, Instagram, X, and Facebook.

Making The Right Career Decision

Wed, 15 Jan 2025 06:52:00 -0500

Think about your future before you quit your job, whether you want a new challenge, better work environment or more money. Whatever the reason you want to make it is the right decision for you and your career goals. Michael Horn, co-author of JOB MOVES: 9 Steps for Making Progress in Your Career, joins us to go over the steps.

Find out more at jobmoves.com and connect on LinkedIn and X.

Saving Money and the Effect of Having Savings Rules

Wed, 15 Jan 2025 06:51:00 -0500

We know we should save our money for the future but why does it seem nearly impossible to do. The Journal of Financial Planning had a number of experts look at the effect of having ‘savings rules’. Tanya Staples, co-author of the research paper and professor of financial planning at Kansas State University, joins us to tell us more about her research.