The Financial Classroom: Recent Episodes

The Canadian Financial Classroom

Welcome to The Financial Classroom. A Podcast that aims to talk about personal finances and discuss personal stories/struggles of financial mistakes. We believe that many people struggle with their finances and think that money talk is often taboo in North American. We want to change that! This is a podcast where we think that the American dream is build by living within your means. Listen as we discuss how to build wealth, live frugally, and attack life with a financial plan.

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Hi again! It’s been awhile. A LONG while. But we’re back. This episode is a little update about what we’ve been up to, our investments and big life happenings. We’ve got some BIG and fun things that have been going on in the meantime. A few things that we talked about this episode…

Tim ran into a listener of the show
Passiv investment application
Eric talks about how his dividends have been growing
How hustling in his 20’s has given Will freedom to take significant time off work
Tim has finally earned Wealthsimple premium, and Will has earned Wealthsimple generational

If you have any feedback, have topics you would like us to discuss, or if you would like to come on the show, feel free to email us at financialclassroom@gmail.com

Passiv Investment App: https://passiv.com

In this episode, Eric and Tim discuss the ins and outs of a shared passion – budgeting. They see budgeting as more than a math calculation; they see it as aligning your values with your finances and a means to experiencing peace of mind. They also realize that there are a lot of challenges associated with budgeting, especially in getting started with your first budget. In this episode, Eric and Tim discuss the following topics:

Budgeting as a reflection of your values
Budgeting as a life enhancer – not a restrictor
Various budgeting methods
Building an emergency fund
Budgeting for variable income, such as commission or seasonal
Evaluating your budget

If you have any feedback, have topics you would like us to discuss, or if you would like to come on the show, feel free to email us at financialclassroom@gmail.com

Lending Tree Article: https://www.lendingtree.com/personal/budget-to-pay-off-debt/#:~:text=50%2F30%2F20%20budget&text=50%25%20of%20your%20income%20should,toward%20savings%20and%20debt%20repayment.

Hey everyone!

Sorry for MIA all summer, but we are back! Tim, Eric, and Will were all busy during the summer and had to take a break. It's good to be back recording once again.

In this episode we caught up on each other's summer and how each other is doing overall.

We touched on the current economic environment in the world and why markets have been dropping recently. A few things we noted were the reduction in fed balance sheets via QT, as well tight macro conditions due to interest rate being so high.

It was good to be back! Let us know if there is anything you want to hear about and if you would like to come on the show feel free to email us at financialclassroom@gmail.com

In this episode, we take a deeper dive into the newest member of The Financial Classroom Canada, Eric, and learn about his journey to becoming a 6-figure millenial.

We interview Eric to discover the challenges he faced, changes he made, lessons learned, and how to avoid the temptation of "Keeping up with the Joneses".

During our conversation, we discussed: - Eric's Current net worth, with discussion on asset allocation and the use of separate accounts - The mistakes made along the way - What debt was incurred - Managing Finances with his partner Natalie - Financial Goals for the future - And more!

If you are a 6-figure millennial or someone who is passionate about finance and would like to come on the podcast, feel free to reach out to us at financialclassroom@gmail.com or on Facebook and Instagram.

In this episode, Miro Svoboda returns to discuss the most common questions that he has received from RCMP members about their pension plans. While this is an excellent episode for any member of the RCMP to listen to, it will also be extremely beneficial for anyone else who has a defined benefit pension. Some of the topics discussed include:

How is a defined benefit pension calculated?
What happens when someone leaves the RCMP because of disability?
What benefit is available to the spouse and kids if the pension holder passes away?
What happens to a defined benefit pension in the case of a divorce?
What are the tax implications of withdrawing the cash value of the pension?
What is the process of applying to receive either the cash value of the pension or the annuity?

If you have any questions for Miro, please feel free to reach out to Miro and his team by email. And don’t forget to check out his YouTube channel for more excellent personal finance content.

Email: msvoboda@harbourfrontwealth.com

Youtube: Easy Retirement with Miro or https://www.youtube.com/@easyretirementwithmiro

We are back after a little break! In this episode on the Financial Classroom Canada, we talk about a few of the new changes that the Canadian Federal Government has introduced in 2023. We talk about:

First Home Savings Account (FHSA) + What is it? - Government Savings account in which you can put money away for you and/or a partner, to save for the purchase of your first home.

Who is it available to?
This is available to anyone in which hasn’t personally owned or has a common-law/spouse who’s owned a primary residence within the past 4 years
Why would someone use it?
This is beneficial to someone who is looking to save money for first home and not having the trouble of looking elsewhere of how and where to store the savings.
How much can one contribute?
An individual is allowed to contribute $8,000 per year, to a maximum of $40,000 for a lifetime. Lifetime means that you can only ever save up to $40k in this to buy your first time, you cannot go higher than this.
Tax Tip: Is good for those looking for a way to also deduct their taxable income but also have to pay $0 in taxes once you withdraw, saving you $$
Grocery Rebate
What is it?
A sum of money given to you by the federal government to help assist with the cost of groceries. It is solely based on income, which the threshold is $X or
Who is it available to?
Anyone within the GST credit area, meaning, if you receive the GST credit, you'll be eligible to receive this rebate.
How much will you receive?
An average family of four with two children would receive $467, while a single Canadian would be eligible for $234 in rebates
Federal Student Loan interest eliminated April 1
So, don’t worry about having to deduct this on your return anymore/ SK YOU STILL NEED TO
Rental and dental benefits weren’t used much
Federal income tax brackets indexed by 6.3%
Payday loans
Increase student loan interest limit
New Carbon Tax April 1

After grocery and other rebates

Why we should file tax returns
If you don’t you can’t take advantage of any of the credits/rebates mentioned

On this episode of The Financial Classroom, our special guest is Tim’s brother Michael. Michael self-describes himself as having become a 6-figure millennial by accident. However, he goes on to clarify that he achieved this feat by keeping expectations realistic about the lifestyle he can afford. Listen in as Michael talks about:

How he paid off his student loans, and went on to pursue additional schooling debt-free
The importance of knowing where you’re money is going
Eating sustainably as a cost-saving measure
Buying kids stuff off VarageSale and other online marketplaces
Making the little things count

If you are a 6-Figure Millennial or want to come on as a guest, feel free to reach out to us at finacialclassroom@gmail.com or find us on Instagram or Facebook.

Episode 69

Today we got to talk to Miro Svoboda once again from Harbour Front Wealth. This time we talked about the current economic conditions and how the feds have influenced the market. We then dived into owning variable assists in order to protect yourself when parts of your portfolio is down, and navigating through this bear market.
We also discussed how the traditional 60/40 portfolio last year didn’t work, as bond prices dropped a ton last year resulting in people in retirement panicking. Miro touched on how the rise in interest rate took a massive hit on the market as the feds tried to decrease demands. Lastly we discussed about private investing, how to diversify into private equities, private real estate and private fix income.
Check out Miro's Youtube account: Easy Retirement with Miro.
You can also reach out to him via Email: msvoboda@harbourfrontwealth.com
If you would also like to be a guest on our show, feel free to email us at financialclassroom@gmail.com or find us on Facebook and Instagram.

In this episode, Will, Tim and Eric decided to do something a little bit different and took a deep dive into the payday loan industry. While the hope is that listeners will never have to take out payday loans, the information provided in this episode may prove useful in conversations with friends and family members who may be considering payday loans as an option. Additionally, the information that was discovered around the predatory practices of the payday loan industry proved to be eye-opening and a little bit disturbing. Some of the topics included in this episode include:

The one and only positive upside that they can find about payday loans
Protections in place to protect borrowers
Criminal interest rates in Canada
Interest rates and fees charged by payday loan companies
Alternatives to payday loans
A brief introduction to instalment loans

If you are a 6-Figure Millennial or want to come on as a guest, feel free to reach out to us at finacialclassroom@gmail.com or find us on Instagram or Facebook.

This is the episode where we say goodbye to Jules as her life is getting busier and busier and needed to take time off to focus on her family and work! We are so proud of her for becoming a great Mortgage broker and being such a wonderful mom to her two kids. Best of luck Jules and thanks for being apart of the Financial Classroom Canada this past year and a half.

With that said, this episode we interviewed Will and his wife Jess on their financial journey! Will is the last host to not have shared his 6 figure journey yet, and it was a blast getting to know his story and how he got to where he is today financially.

They talked about:

The mistakes they made in finance;
How Jess went from having a maxed out credit card to now fully understanding her finances;
Will's understanding of investing and how it was important to take advantage of compounding early in his life;
Their net worth;
What they plan to do 10-15 years down the road;
What strategies they have implemented to get to where they are today;
Their financial mistakes;
And much more!

If you are a 6 figure millennial or someone who have is passionate about finance and wants to come on, feel free to reach out to us on email at financialclassroom@gmail.com or on facebook or instagram

This episode was a blast from the past as one of our first guests returned to the podcast. Josh, who was featured as a 6-Figure Millennial on October 4, 2020 (before we numbered our 6-Figure Millennial episodes), now has his own blog, Money Making Habits. This blog is dedicated to helping people to wisely and successfully build a dividend growth portfolio. In today’s episode, we discussed Josh’s article, “10 Reasons Why We’re Dividend Growth Investors”. This article is an excellent read (link below), and it makes compelling arguments for the benefits of incorporating dividend growth stocks in your investment portfolio. Listen as we discuss:

Why Josh is passionate about dividend stocks
Characteristics of many dividend-yielding stocks
DRIP (dividend reinvestment plan)
Using dividend stocks to hedge against inflation
Tax advantages of dividend income
Tips on evaluating dividends stocks
Holding individual dividend growth stocks vs a high dividend yield ETF

To learn more from Josh, make sure to visit his blog and subscribe to his email list (sign up on his website).

Josh’s blog: https://www.moneymakinghabits.com

Josh’s article discussed in this episode: https://www.moneymakinghabits.com/dividends/1k2gqsqzombz0wnzg7y6azmyxfimtt

If you are a 6-Figure Millennial or want to come on as a guest, feel free to reach out to us at finacialclassroom@gmail.com or find us on Instagram or Facebook.

Episode 65

In this episode we talked about the upcoming recession and how to prepare for it. With the federal reserve and banks around the world continuing to hike interest rates we are going to see a big slow down as demands start to slow. Tim and Will discussed how to prepare for when a recession hits and how to take full advantage of it. With every bear market and recession there is an opportunity for someone out there to become real wealthy and we want listeners to be able to understand it and take advantage of it. Many people don’t understand what happens in a recessions and what causes a recession so tune in as we break it down. If you like this type of content make sure to leave us a review on Apple Podcast or any of our platforms and if you are a 6 figure Millennial and want to come on the show feel free to reach out to us at financialclassroom@gmail.com

It’s the week of Black Friday, which means that Christmas is slowly creeping up on us. While Christmas is a great opportunity to celebrate and spend time with loved ones, it can also be quite expensive. This year particularly, with inflation running rampant, it has become increasingly necessary to ensure that the holidays don’t run us dry. In this episode, Will and Tim discuss some ways to save money and keep spending under control during the holidays. Topics include:

When to shop sales and other cost-saving tips
Budgeting around the holidays
Managing social expectations
Tim’s distaste for gift exchanges

If you are a 6 Figure Millennial or wanting to come on as a guest, feel free to reach out to us at finacialclassroom@gmail.com or find us on Instagram or Facebook.

Episode 63

This week we spoke to Eric Preston from Regina, SK about his own personal journey in finance and how having a financial community group to talk with has helped him with his own finance. In this episode Eric talked to us about the importance of surrounding himself with people who also enjoy finance and the lesson he has learned from having such a community. Eric shared his own journey and how he started to learn about finances early on from his grandpa and shared a few lessons that was taught to him. He talked about how the book “The Wealthy Barber” gave him a new perspective on how he handled his finance and various ways he learned to manage personal finance. Eric opened up about the mistakes he’s made early on during his college years and how those mistakes helped shape who he is today. Check out the episode and learn why we do monthly spreadsheet parties today and how it has benefitted Eric!

If you are a 6 Figure Millennial or wanting to come on as a guest feel free to reach out to us at finacialclassroom@gmail.com or find us on Instagram or Facebook.

Death is not an easy subject to talk about, but it is also something that ABSOLUTLEY SHOULD be talked about – from an estate planning perspective, at least. In this episode, Will and Tim talk about this topic with Mark Stefan, a successful wealth planner who has been in the industry for 38 years. Mark breaks down this uncomfortable subject, explaining everything from how an estate plan should be part of a larger financial plan to the various components of an estate plan.

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Throughout our discussion, Mark navigated several complex questions, with simple, easy-to-understand explanations that will (hopefully) leave you feeling motivated and empowered to begin working on your own estate plan. Some of these questions include:

Who should have a will?
What is a power of attorney and an executor?
Are DIY wills worth the savings?
What taxes apply to your estate?
What is probate?
Is it worth it to try to minimize probate?
What mistakes are people making with their estate planning?

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If you’re a 6-figure millennial or if you have a specific topic you would like to discuss on the podcast, we would love to talk to you! Reach out to us at financialclassroom@gmail.com or find us on FB/Instagram.

Kids are a blessing, but they can also be SCARY expensive. What costs should you expect? Or how can you trim down some of those costs? Which costs SHOULD you try to cut down on? If you’re like Will, you’re hoping we don’t suggest cutting down that food bill :P Join Will, Tim and Jules for a discussion on everything to do with kids, including:

How much will you probably spend on your child from birth to when they become an adult?
Making it through the baby stages on a budget
The back-to-school marketing scam
The new government child care funding
Sports and activities
The biggest (yet perhaps least expected) cost of having a child

Also, if you want some in-depth information on the RESP, we HIGHLY recommend that you listen to Episode 32, where we have a special guest, Court, who comes on and talks about EVERYTHING to do with RESPs. You won’t want to miss that one either!

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If you like the show, feel free to give us a review on apple podcast to help us reach more people. As well if you would like to come on the show feel free to reach out to us at financialclassroom@gmail.com or find us on IG @financialclassroom or FB Financial Classroom Canada.

Epsiode 60!

Today Will, Tim and Jules talked about the latest FOMC meeting and the result of the newest fed rate hike and what it means more everyday folks. We broke down why inflation is happening and how hiking rates can help reduce inflation. We touched on things like how the rate hike affects mortgages, rent, line of credits and other debts as well as how you can control your situation in this economic uncertainty.

This episode also talked about how we can control our controllable as prices continue to climb. Everyday essentials such as food, gas, utilities are all going up so we broke down some tips and tricks to cut costs on those items.

If you live in Alberta also check out the Alberta website for different insurance rate: www.ucahelps.alberta.ca its a great cost comparison tools for energy,

As always remember the key to wealth is to live on less than you make, invest the remaining and do so for a long time.

If you are a financial nerd like us and want to come on to the show feel free to reach out to us at financialclassroom@gmail.com or find us on instagram or Facebook.

In today's 6-Figure Millennial episode, we talk with Darcy from "We Want Guac" blog. Darcy's journey has brought her from the humble beginnings of living in a shared attic apartment with no heat or AC after graduation. Fast forward, and she has managed to amass a $270k net worth at 28 years old. Listen as Darcy talks about several aspects of this journey, such as:

Her mindset on living in the attic, and how she navigated this living situation
How Darcy began investing and what resources she used to learn how to invest
Darcy's mindset when the March 2020 market crash hit
How building a nest egg can give you leverage in your work situation
How much money you need to invest before 30 years old to (theoretically) be able to retire

Darcy also spoke about her blog and how she is using it as a tool to reach Gen Z to develop their careers, build their income, and gain investing knowledge early on in life. Spoiler alert! One of these tools may or may not include writing a rap song that is....shall we say "FIRE"? And we may or may not have featured a clip of this song in the episode.

If you’re a 6-figure millennial, we would love to talk to you! Reach out to us at financialclassroom@gmail.com or find us on FB/Instagram. Please also reach out to Darcy through any of the following socials:

Blog: https://www.wewantguac.com/start-here/

IG: @wewantguac_blog

Twitter: @WeWantGuac

"We Want Guac" Song: https://www.wewantguac.com/music/

Episode 58!

Today we got the chance to talk to Mekenna and Nolan from Saskatchewan! This young couple reached 100k Net worth at 22years old and now have close to 130k in Net worth! Listen to how they avoided debt and paid off their student loan the moment they finished school. Mekenna and Nolan were very interesting to talk to and spoke on the importance of being frugal and how growing up in a frugal family helped them realize how important saving money is.

In this show we also talked about how if you work hard in your 20s you will really benefit from it for the rest of your life. Well Nolan is doing that right now. During the peak of the pandemic, while some were staying at home, Nolan found 3 jobs and hustle hard to make even more money. Outside their regular dayjobs they also clean houses on the weekend to help make even more money. This young couple values financial freedom over buying materialistic things. Listen to them as they give various frugal advice from generating various emails for coupons to using house cleaning side hustle to make more than their day job.

If you’re a 6 figure millennial like Nolan and Mekenna, we would love to talk to you! Reach out to us @financialclassroom@gmail.com or find us on FB/Instagram.

Episode 57!

In this episode we spoke to Justin Johnson a 6 figure Gen Z from Kentucky, USA. Justin was an incredible guest to talk to he currently has a net worth of 220k and reached his first 100k at age 20yrs old. Justin is a realtor and industrial salesman, and unlike many 20 year old he is married and 1 child. His incredible net worth, didn’t come from just luck but from hard work and smart life choices. Listen as we talk about how he:

Got paid to go to school from getting multiple scholarships. Never got student loans.
how to not compare with others because that is the feat of joy.
How his father’s strict discipline and introduction to Dave Ramsey changed his way he thought about finances.
How joining the reserve gave him and his wife, great health benefits.
How he is currently holding case as he states “Being prepare for opportunities,”

Justin’s net worth breakdown at the young age of 20yrs old is:

120k in real estate. 1 Rental house.

10k in retirement account.

52k in checking.

32k in vehicles.

10k in odds and ends stuff.

Justin talked about why he has so much gas on the side line and quoted “There is no such thing as luck in this world, all luck is is when an opportunity meets good preparation:”

You won’t want to miss out on this episode:

You can reach out to Justin at:

justin.johnson7@kw.com

instagram: justinjohnson_agent

If you are a 6 Figure Millennial or like Justin a 6 Figure Gen Z, feel free to reach out to us at financialclassroom@gmail.com and we will try and get you on the show!

In today’s episode, we have Ruthy and Ryan, two spcial guests from Calgary who decided to take a 2-year break from their jobs and travel with their kids all the way across the world to help people. So many wish they had the guts and financial stability to pull this off, but few do. Take a listen, and hear what Ruthy and Ryan had to say about:

How Ryan and Ruthy made the decision to pack up and leave
How paying off debt frees you up to make big life decisions
Cultural differences in how people think about money
Lessons Ruthy and Ryan have learned along the way
Ryan’s disdain for fish, and how that is working out for him while living on a boat

If financial coaching interests you, definitely reach out to Ruthy at:

FB: Financial Coach Ruthy

IG @financialcoachruthy

Blog/Website: https://www.financialresuscitationwithruthy.com

Or check out Mercy Ships at:

Mercy Ships Canada: https://mercyships.ca/en/

Inflation is running rampant. Everything from gas to groceries is getting more and more expensive, and we all need to develop strategies on how we are going to address these financial pressures. • If you have no clue what is causing inflation, or if you are seeking strategies with how you can deal with inflation, tune into this episodes. In this informative episode, Will and Tim discuss:

The cause of current inflation Supply and demand How inflation affects businesses Strategies for increasing income Tips to decrease expenses How should inflation affect my investment strategy? Debt and rising interest rates

• If you like the show feel free to give us a review on apple podcast to help us reach more people. As well if you would like to come on the show feel free to reach out to us at financialclassroom@gmail.com or find us on insta @financialclassroom or FB Financial Classroom Canada.

Today we got the chance to speak to a 7 figure Millennial! It’s not very often that we have a 7 figure Millennial guest on but today Matt Dewey a coach with Enriched Academy decided to come on the show to share his story! In this episode we talked about how Matt was able to take advantage of real estate investing at an early age and build his net worth by buying a few properties early on in his life. Matt also talked about his unique way of investing using private lending and how it has benefited him when it comes to handing his own personal finance. Matt also shared about how growing up with frugal parents shaped his views about finances and the conversations he has with his wife when it comes to managing finances together as a couple.

You also don’t want to miss out on why Matt decided to sell all his real estate properties and how reading a book changed his whole perspectives on money. As well check out Enriched Academy if you are interested in seeing how they are helping Canadians with their finances. They don’t sell products but simply want to help people get out of debt and teach people about investing so they can limit fees which WE LOVE!

If you are like Matt and are a 7 figure millennial and would like to come on the show feel free to give us a shout at financialclassroom@gmail.com or if you have just anything interesting to talk about we would love to talk to you as well!

Leave us a review on Apple Podcast as it will greatly help us reach more people!

Episode 53!

Today we talked to Zijin from Calgary. An engineer but also someone who loves to learn and during covid he decided to learn about cryptocurrency! Since Jules TIm and WIll aren't well versed in the crypto world we decided to have Zijin come on to talk about the basics of cryptocurrency. In this episode we were able to touch on:

What is crypto?

How does Crypto work?

Why is there value associated with crypto?

What are some good things to look for in a crypto to invest in?

Where can I invest in crypto?

Where can I spend crypto?

Is crypto here to stay? Why or why not?

Among other things!

If you are someone who is interested in cryptocurrency, check this episode out! As well if you are wanting to come on the show feel free to reach out to us at financialclassroom@gmail.com

Episode 52 | First Home Purchase & Tax Update

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Buying a home is one of the most imporant life decisions you will ever make. However, for many, it is a scary journey because if is full of unknowns. Will and Tim just bought their first homes, so the team decied to unpack the process of buying a home.

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As an added bonus, the first time home tax benefits from the April federal budget are also discussed, so you can have a good idea of some additional supports that will be available to you with the purchase of your first home.

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Tune in and learn about:

-The steps to buying a home

-How to get pre-approved for a mortgage and what documents you need

-Credit scores and how they tie in with mortgages

-Property inspection: Valuable or waste of money?

-Calculating net worth after purchasing your first home

-Federal first home savings account and how it is projected to work

-First time home buyers’ tax credit

Epsiode 51! Today we spoke to Shannon Konsmo a CPA from Whitecourt, Alberta. Shannon was a wealth of knowledge and we really enjoyed talking to her and learning about the ins and outs of taxes. In this episode we talked about: What is the difference between sole Proprietorship vs incorporated companies? When people should incorporate as a business and why it is and isn’t a good idea to do it when starting a business. What are some little tricks business owners can do to save money on their income, and the difference between paying yourself in dividends vs having a salary as well the benefits for each one. We talked about the most common mistakes people make when it comes to tax season and things people most commonly forget to claim. If you are looking for an accountant or someone to help you with taxes check out Shannon at: Whitecourtcpa.com and if you are someone who has an interesting financial topic to share feel free to email us at Financialclassroom@gmail.com or find us on FB or Instagram.

EPISODE 50: TIM BECOMES 6-FIGURE MILLENNIAL • EPISODE! FIFTY! We HAD to do something special for our 50th episode, and it just so happened that Tim hit 6-figure net worth at the same time as we were scheduled to release our 50th episode. Take a listen as Tim shares his story of growing up with frugal parents, overcoming student loans and how budgeting catapulted him from a negative net worth to a 6-figure millennial in a matter of a few years. • Other topics that were discussed include: -How tracking your spending can change your trajectory -Saving and investing on an everyday person’s salary -Tim’s most recent purchase -How a recent episode impacted said purchase -Tim’s financial goals • Also, if. you haven’t already checked it out, go and give Jules’ 6-figure millennial interview a listen. It was released on October 12, 2020.

Today Tim, Jules and Will spoke about the recent downturns in the stock market and how to invest in it as well the opportunity cost of spending money and using your time.

We dug deeper and asked people to understand the true meaning of understanding volitily and discussed how market downturns can really test an investors ability to withstand risk but also benefit long term investors.

The guys and gal also talked about how important it is to enjoy the journey along the way; to experience life now as well and not live in a life of deprivation just to try and reach that financial independence life.

After listening to this episode we challenge you to do something random, something that makes your life better, doesn’t have to be expensive, but something that will bring you joy.

Check out the article that we talked about:

https://patriotone.substack.com/p/opportunity-cost?s=r

If you like the show feel free to give us a review on apple podcast to help us reach more people. As well if you would like to come on the show feel free to reach out to us at financialclassroom@gmail.com or find us on insta @financialclassroom or FB Financial Classroom Canada.

One of our favourite guests, Chris Scheele from Forerunner Financial Coaching, returns to the show to talk with us about aligning your finances with your personal values. In this episode, Chris touches on what your budget reveals about your priorities, assigning purpose to your savings, and how no one can help you change unless you decide that YOU WANT to change.

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Being a financial coach, Chris has hands-on experience working with clients to align their finances with what is most important to them, and helping them to identify and achieve their goals. As you listen to this episode, it will become evident that Chris sees money as more than just a mode of transaction or a means of amassing wealth; he sees it as a tool and as a way to attain more of the things that matter most to you.

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Great conversations were also had around the following topics:

The importance of talking about money
Purchasing out of habit vs. out of personal value
Why you shouldn’t get nervous when the stock market is volatile
Tips if you’re just starting with investing

Chris was previously on the Financial Classroom Podcast on Episode 15: Renting vs. Buying. If you have not listened to this episode, we highly recommend you check it out.

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Be sure to follow Forerunner Financial Coaching on Facebook, Instagram and LinkedIn, and to check out Chris’s website, forerunnerfinancial.ca

Mindset. realestate. Wholesaling. Entrepreneurship. Today we had on Brendan Skilton-Douglas the man behind nofluffwholesaling.ca and ashtonfisher.ca From tree climber to realestate wholesaler we had the pleasure to sit down with Brendan to talk about how mindset is so important to help you get out of debt, and understanding how a mindset shift can change your financial future. He started his company Ashton Fisher in real estate and went from working for the government to starting his own real estate company. Many people dream of quitting their 9-5 and starting up their own company but not many people actually go for it. What does it take to go all in? What kind of mindset does an entrepreneur need to have to take that step? Who are you and does your career give you identity? What are your core values and are you living in alignment with them?

A few other things we touched on:

Rent to own "No risk will kill you slowly, too much risk will kill you"
Say you like yourself - mindset
How finances relate to values
Psychology of finance
How to step out of your comfort zone and change your mindset.

Todays conversation was so much fun, we hope you enjoy it as much as we did! Please like comment and share this podcast episode.

Episode 46

Do you want to have someone else pay your mortgage for you? Of course you do, especially in today’s increasingly expensive housing environment. Jase and Sarah came on the podcast today to discuss how they have made this their reality, and how you can follow suit.

In this episode, Jules, Tim, Jase and Sarah discuss what house hacking is, how they began their house hacking journey, and how you can use it as a powerful wealth building tool.

They go on to provide valuable insights into what kinds of renovation work ANYBODY can do, and which renovation work should be left to the professionals. They also discuss how to find the best tenants, the concept of short-term sacrifice for long-term benefits, and their upcoming endeavours into real estate investment partnerships.

If you want to learn more, Jase would love for you to find him on Facebook under “Jase Matthew” and ask him whatever questions you may have.

Happy 2022 everyone!

We love it when listeners reach out and want to come on the show!

Today we have the pleasure of chatting with Heather and Kurtis from Sherwood Park, AB. 

At the age of 30 (Kurtis) and 29 (Erinn) their net worth hit $100,000 and now only 4 years later they have reach a net worth of $350,000 and a mortgage that is almost paid off!

Kurtis works as a hydrovac operator and Heather is a marketing coordinator with a combined household income of $175,000.  

How did they do it? What are their secrets?  

If you have been listening long enough, you will start seeing that there are no secrets.

Most of our guests are figuring things out as they go.

They spend less than they make and invest the rest!

Erinn and Kurtis are on the cusp of learning about self managing their investments and the FI community.

Listen as we learn about their journey and hear about the wonderful motivational trick that Erinn's grandparents used on her to help her get through college!

If you would like to come on the show feel free to message/email us at financialclassroom@gmail.com or find us on instagram or on FB!

Listen today as the three of us chat about the year, our own financial wins and losses and what we have learned throughout the year. It’s so fun to look back and see how far we have come individually. Tim has FINALLY gotten on the ETF bandwagon after a year of Will’s “encouragement”, and his continued renting experience saves him thousands a year. Jules has started her own Questrade account and has been consistently investing, and now she has implemented the Smith maneuver! Will has been ever so consistent this year with his investments and has now purchased his first home. And of course it wouldn’t be fair to recap the year without mentioning the birth of his son who has made Will and his wife Jess, first-time parents.

It’s been really mind blowing how many messages we have gotten from listeners who have reached out and been inspired by the podcast. We also feel extremely blessed to have had so many knowledgable guests who have volunteered their time to chat with all of us and share their own financial journeys.

This was a really fun episode to record and we hope you all enjoy it!

Life insurance shouldn’t be one of those things you put off thinking about—because you (and the people who depend upon you) could need it at any time. But many do wonder if it’s worth the monthly premiums.

What about you? How do you know if it’s necessary for you? And why do we need life insurance anyway?

In today’s episode, we sit down with Spencer Bennet, a former life insurance agent who is now going back to school to get his education degree. Spencer talks through what insurance is for, how you can structure your insurance to properly cover both you and your family, and how to ensure you aren't over-insured.

If you have any other questions regarding insurance, reach out to us at financialclassroom@gmail.com and we will do our best to get you in contact with the right people.

Habits of Millionaires.

Mindset is everything.

Im sure you have heard people say this before.

Your mindset sets you up for either a great day or a bad day.  

We came across this article in Business Insider and it talks about the mindsets and habits of millionaires. Back in episode 25 we discussed the traits we have noticed from our 6 figure millennials.

The things we discussed in that episode were things like budgeting, living below your means, investing etc. In today’s episode we focus more on lifestyle habits that influence every aspect of our lives.

Things like working out, volunteering, reading. We look forward discussing this and we would love to hear from your. What have you done to centre yourself and create an environment for growth in your own life?  

Business Insider article: https://www.businessinsider.com/personal-finance/good-habits-of-self-made-millionaires#12-theyre-positive-12

If you are wanting to come on the show or have any questions feel free to email us at financialclassroom@gmail.com

Epsiode 41!, Today we spoke to Jordan from Moose Jaw, Saskatchewan! Jordan talked about how him and his wife have built up an impressive net worth at an early age in life. Jordan and his wife are living the FIRE lifestyle without even realizing what FIRE is! AMAZING. Jordan talked about how he wishes to give away the first 10k once they are mortgage free. Him and his wife are working hard to pay off their mortgage early and have done an incredible job doing so. They are on pace to be mortgage free within the next few years and they aren't even 30 years old yet!

If you are a 6 figure millennial or have an interesting story to share with us, feel free to reach out to us at financialclassroom@gmail.com or find us on Facebook and Instagram.

Have you ever wondered about leverage financing? Or have you heard of the Smith Maneuver and curious about how it works? • Today we sat down with Patrick, a doctor from the Okanagan area in BC who reached $100k by 27 years old WHILE STILL IN SCHOOL! Now he’s worth $570k at the age of 32. Patrick reached out to us, a listener of the podcast who wanted to share his story in hopes to bring value to all of us. We have an opportunity to learn from each other with this podcast and it has been such an incredible experience for Tim, Will and Jules and hopefully all of you. • 6 Figure Millenial is one of our favourite segments of the show because we have the privilege to talk to many different people who have all reached $100k in different ways and from different paths in life. From soldiers, to roofers to doctors. Regardless of their careers, they are financially setting themselves up for financial freedom!  • What has been your biggest take away from these episodes? We would love to hear from you. And if you have a financial story you’d like to share, please email or DM us. We would love to hear from you!

Dave Ramsey’s baby steps have been followed by thousands if not millions of people and have helped so many get their finances back on track.  But do we at the Financial Classroom agree with all the steps?  Today we take a deep dive into each baby step and discuss what we think is sound advice and what, if anything, we would change.  We talk about the pros and cons of Ramsey's ideas and explain our own beliefs about his ideas. What do you think of the baby steps? Do you live by them or have you changed any to fit your own view of fiscal responsibility?

Dave Ramsey is all about no debt, which is great, but, after speaking to many 6 figure millennials and learning from the FIRE Community, we believe that there are times when credit cards or investing instead of paying off 1 - 2% interest loans can actually beneficial.

Personal finance is just that - personal. There is no right or wrong way to approach personal finance and we believe that you can win in various ways. So unlike Dave's be-all end-all strategy, we believe that there are numerous ways to become financially successful.

If you're a 6 Figure Millennial or want to come on the show feel free to email us at financialclassroom@gmail.com or find us at Financial Classroom on Instagram and Facebook.

1 YEAR! 12 WHOLE MONTHS! 365 DAYS! 🎊 🎉🎂

THANK YOU! THANK YOU THANK YOU!!! 1 year ago we started this podcast with the goals of starting conversations around personal finance and making it so that money is no longer “taboo” to talk about. Along the way, we have morphed from a team of two into a team of three, met people from all over the world 🌎, and learned A TON (including what the Australian term “fortnite” means 🤪).

Listen as Will and Tim talk about some of our favourite guests to come on the show, things that we have learned in the last year, and how this show has changed our lives. We also talk about investment tracking spreadsheets, how they are useful, and what kinds of metrics to include. And if you listen, you may or may not hear some big news from the life of Will 🤷‍♂️

If you are a 6-Figure Millennial and would like to be featured on our podcast, drop a comment below or email us at financialclassroom@gmail.com

wealth #budgets #debtfreejourney #firecommunity #firemovement #firemotivation #gazelleintense #realestate #Financialclassroom #financiallyindependent #financialfreedom #finances #podcast #personalfinances #financialliteracy #millenialmoney #canadianfinances #canadianmoney #daveramsey #debt #debtfree #debtfreegoals #money #moneytalks #financialgoals #Investment #longterminvestment #stockmarket #financetips #Financialpodcast

Leo and Charlotte King From $100k at 27 years old, 5 years later Leo and Charlotte now have a net worth of $700,000!  

One of their biggest realizations 20 months ago was that financial independence is achievable for regular everyday people.  

20 months ago, when their first son was born, they realized they didn’t want to live the 9-5 for the rest of their lives. They started reading books, listening to podcasts, and joined Facebook groups related to financial independence. That education shaped their decisions and propelled them to where they are today.

If your in the Calgary area you can visit Leo and Charlottes gym at Kings Fitness @kings.fitness You can also follow their financial journey on IG @ourFIjourney

If you yourself are a 6 Figure Millennial and would like to join the show to share you're story, feel free to give us a shoutout and we will try and get you on!

Email us at financialclassroom@gmail.com or find us at financial classroom on FB or on Instagram

Taylor and her husband are 27 and 30 respectively and are chasing financial independence through real estate investments. Taylor is a construction estimator and her husband owns a landscaping company and also is a fire fighter. In just 3 years they have grown their net-worth from $100,000 to $500,000.

Taylor sits down with us to chat about mindset, strategy, daily habits and her goals for the future.

Tips to share with our listeners: Start before you’re ready, believe in yourself, you can do hard things.

We loved talking with Taylor today and hope you enjoy this episode!

If you have any questions or would like to be a guest on The Financial Classroom, please reach out to us via IG @Financialclassroom or email us at financialclassroom@gmail.com

To stay in contact with Taylor and see how her financial story unfolds you can follow her @adultingwithtaylor

Epsiode 35! In this epsiode Tim, Jules and Will talked about the Fear of Investing why its hard to be confident in something you don’t understand. This is a common fear but don’t let that hold you back from starting!

First, gain clarity. Come up with a plan. Where are you now? Where do you want to be? How much do you need to retire and when do you want to be financially independent? Take action You can research and research but at some point you just need to make the first move. Start slow, start with what your comfortable with and you will gain confidence.

Play the long game It’s natural for the markets to go up and down. Don’t panic, don’t sell when the markets are down. Think long term. Investing is like walking up the stairs playing with a yo-yo. It will be going up and down but your always going up the stairs. Fee free to reach out to us at @financialclassroom on instagram or email us at financialclassroom@gmail.com if you have any questions!

Saving for a House and Other Large Purchases

Today Will, Tim and Jules sat down to chat about down payments and saving up for big purchases.

Where to start? How much do I need to start? What if I haven’t saved up a down payment yet?

Jules explains some down payment hacks to get you into a house if you haven’t saved up yet. Using the tax rebate on your RRSP and a cash-back mortgage.

Jules also told her story that when she bought her house, her parents had actually had 5% down payment saved up for her and her and her husband. They bought a fixer upper and were able to build sweat equity that way.

Will tells his own personal plan of how he is saving to put down more than 20% for his future house and how he plans of being mortgage free by age 40.

Tim plans on continuing to save and invest in his TFSA to expand that TFSA room and one day he will use that money as his down payment.

We then start talking about putting money away - Compound interest is the 8th wonder of the world.

We can never get that time back. Invest now. Seriously guys, this is the secret to wealth. Invest now. Start saving for a big ticket item that you might not even know you want now but if you start saving now, you will have the money for whatever you decided you want to buy (or not buy) in your future.

If you are in Canada and have any mortgage questions please reach out to Jules @mortgageclassroom.

If you are in need of a financial coach or would like some guidance on budgeting and investing, contact Will @moneywisemarriage Thank you again for listening! If you found this episode helpful please share it with your friends and family!

RCMP - Everything You Need to Know About Your Pension

Do you have a pension and have no idea what to do with it or what it all entails? We had the utmost privilege in sitting down with Miro Svoboda with Harbour Front Wealth to chat about public servant pensions. We zeroed in on the RCMP pension, but this information applies to employees with CRA, Federal Government, Border Service etc. that have the same type of pension. So if that’s you or you know someone who works for the above mentioned, send them the link to listen in!

Have you ever wondered what your options are with your pension? Can you retire early and take the payout? Should you? Should you take the annuity or immediate annuity? Do you even know what any of this means? If this episode pertains to you, make sure you take notes! You can also contact Miro if you have any questions. He is very knowledgeable and most importantly, he’s easy to talk with. We want to thank all the RCMP in Canada for doing what you do to protect us. Let us know what you think of this episode. We really hope it is beneficial to you.

Today we are talking everything RESP. If you are Canadian and have kids in your life, you will want to listen in and take notes. Court is a self-taught RESP guru. Not only is she very knowledgeable regarding RESP’s, she is also FI (in other words - retired in her 30’s) and knows how to make money work for her. If you missed her previous guest appearance, it's episode 11.

Here's the Cokes notes on the episode:

-Lifetime max $50,000 and it can be open for max 36 years -Gov will contribute max of $500 a year for a max of $7200 -If you maxed out for the first 14 years you would end up having $105,000 for your child’s education. -What if my kid doesn’t go to post secondary? There are literally thousands of post secondary options. From University to trade school, aesthetics, bible school, school abroad. Go to this site to see eligible schools: https://www.canada.ca/en/employment-social-development/programs/designated-schools.html -PSE - not taxed when pulled out -EAP - taxed when pulled out at child’s tax bracket -If you have more than one child, and one doesn’t go to school, you can transfer to your own RRSP (tax implications explained in podcast) or to another child’s RESP. -Family members can open their own account for a child in their life. For example, a grandparent can open up a RESP for their grandchild. There can be multiple accounts attached to one SIN. -Group RESP - not a great option. There are lots of restrictions. -Remain aggressive in investments until at least age 15.

There's so much info on this episode! It’s very specific and we hope this has been super informative for you. You can find Court at modernFImily on IG as well as her blog site. Court is very open with her finances - make sure you check her site out!  She also does coaching, if you would like to get into contact with her you can find her at https://modernfimily.com/blog/

Today we had the pleasure of chatting with Jenna who is a financial educator in the Edmonton area. She is passionate about educating others on the power of money, and getting on the right financial path.

Here is a breakdown of the podcast:

11:45 save 10%/month

12:40 - lifestyle inflation- get in the habit of doing it so as your income increases your savings do too.

15:30 - what to do with the savings (RRSP, TFSA, etc)

16:30 - emergency fund goal amount

17:50 - everyones needs are unique and there is no set amount or target for age

29:10 - spending $27/day equals to $10,000/ year!!!

30:30 - spending accountability partner

32:00 - actionable tips to save

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

You ever wonder how to teach your kids the value of a dollar? Today we spoke with Tyson, father of 4 boys as he shared with us some of the tactics he and his wife use to teach their kids. Our conversation ranged from helping your kids associate the value of allowance with their chores, to developing budgeting and saving skills early on that will stay with them into adulthood. If you’re a parent or soon to be, you will definitely find value in this episode! 3:35 - How they paid off $75,000 of consumer debt on a single income and are now debt free. 8:00 - Started his own self directed investment. 9:28 - Kids have deadlines on their daily chores to receive their weekly allowance 12:28 - Explaining interest to kids. Good interest vs bad interest 15:28 - building credit for your kids 19:00 - Self control and instant gratification 20:40 - Teaching our children the importance of generosity 23:20 - Allowance increases based on capacity and level of responsibility 33:00 - being intentional with extracurricular activities, time and cost 39:19 - Student loan debt You can find Tyson @Tysonlawley_realestate If you’re looking for more real life financial stories, we post episodes every 2nd Wednesday. If YOU have a story you would like to share with us please email us atfinancialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

Episode 29

At 26 years old, Nathan and his wife Carolyn have paid off their mortgage and have a net worth of $325,000!

Nathan talks about growing up as a very lazy child, running from chores and work to later changing his mindset.

He started his own company early in life and reached $100k at the age of 22.

They are now on their way to reaching financial independence!

Nathan and his wife are also mortgage free!! Which is incredible to hear at such a young age.

Nathan shows us that with hard work and some determination, anyone can be successful.

Will also shares some life changing news with us - you will have to listen to find out what it is!

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday.

If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

DIY Investing with Jackson Brailean, Wealth Advisor with Assante Wealth Management.

In today's day and age, it has never been easier or more cost-effective to do DIY investing. On today's show, we want to give you a toolkit with all the basics that you need to start investing on your own. Listen as Tim and Jules interview Will and Jackson on a variety of topics, including: -What is the difference between an ETF and a mutual fund? -What is an index fund? -What role should cryptocurrency play in your portfolio? -What are some indicators to look at when evaluating an ETF or a mutual fund? -What are value stocks? If investing is something that's always been scary for you, this episode should help calm your nerves a little. Remember, the best time to start investing is yesterday; the second best time is today. We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.25% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

7 money Tendencies with Tessa Gotman.

Have you ever wondered what your financial personality is?

Maybe you’ve never heard of this before. Just like knowing your personality type helps you understand why you do what you do, knowing your financial personality helps you understand your financial choices.

6:50 - I’m not good with money is just a habit and mindset that you can change.

9:42 - list the 7 tendencies

12:10 - Tendency #1 - Saver or spender

13:40 - Tendency #2 - Nerd or free spirit

15:15 - Tendency #3 - Experience vs. things.

19:40 - Tendency #4 - Quality vs. quantity

23:30 - Tendency #5 - Safety vs. status

27:55 - Tendency #6 - Abundance vs. scarcity

30:25 - Tendency #7 - Planned giving vs. spontaneous giving

This episode is a must listen-to and if you would like to contact Tessa, you can find her at FB @ Whole Steps Financial and at Ramseycoach.com/tessa-gotman-coaching To read more about these tendencies, Rachel Cruze has identified these tendencies in her new book, Know Yourself, Know Your Money.

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

EQ bank is offering 1.25% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Episode 26 Finding Your Why With Financial Legacy Coach Randy What are your financial goals? Do you find you're sometimes stuck? Or you just don’t have the discipline to follow through with your budget? Today we talked about finding your “why” “Find a reason to get up in the morning, find your why, stop comparing with others because small disciplines over time; you will win.” Regardless of where you are today, I know you have a goal. If you're stuck our hope is that this podcast will help you navigate finding your motivation to create disciplines and stick to them! We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. fI YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Episode 25 We have interviewed a number of 6 figure millennials over the last few months and we have learned so much. We wanted to take some time and recap the lessons we have learned from our guests.

We summed it up into 6 tips to succeed:

Your income isn’t as important as your habits.
Stay away from new vehicles.
Grow your new worth with investments.
Have open communication with your family.
Stay away from debt.

1:45 - Point 1 - Your income isn’t as important as your habits.

3:02 - If your habits aren’t in line with your goals you will never get there

5:14 - Point 2 - Drive Previously used vehicles

8:15 - $500 vehicle payment vs investing = $1.2 Million in investments after 40 years.

9:33 - Point 3 - All 6 figure millennials grew their net worth using investments - DON’T KEEP IT UNDER YOUR MATTRESS OR IN A SAVINGS ACCOUNT.

14:14 - The math on investments. $1500/month invested with an 8% return. After 25 years you will have made almost a million in interest.

18:15 - don’t try to keep up with the Jones’. Focus on what brings us happiness other than material items.

21:15 - Point 4 - Open communication with your spouse

23:30 - Talking finances within the family and with your kids

25:00 - Point 5 - Stay away from debt.

28:40 - Finances are meant to be a blessing not a point of stress.

33:10 - any mistake that you make isn’t so big that you can’t recover from it.

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305  

We had the privilege of sitting down with Z who is a 6 figure millennial. At an early age, while attending post-secondary, Z started learning about money and was introduced to the FIRE movement. He hit $100K at 26 years old and is now 28 with over $350K and aspiring to hit “fat fire”. If you don’t know what that is, you’ll have to tune in 😉

3:00 - we discuss what FIRE is and how it’s calculated

8:30 - Z stumbled upon Mr. Money Moustache and how FIRE works

12:25 - Z talks salary and numbers

16:50 - savings rate 33% as a single guy, now 50%

18:55 - asset allocation

24:00 - things he’s learned and gives as tips to listeners

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com

It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link:

https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Jeremy and Lindsay “It's not about how much money you make, it's about how much money you save” Jeremy and Lindsay are 33 and 29, and have a net worth of just over $500,000! After getting married and starting a family, they took a Dave Ramsey course through their church and it opened their eyes to a different way of living. While living below their means and investing, Lindsay has remained a stay at home mom, raising their 4 young kids. It's absolutely incredible listening to their story, a testimony to what we can achieve when we live intentionally.

9:10 - how they drastically reduced their monthly bills

10: 00 - asset allocation

15:56 - Investing starts becoming fun

16:00- their why for financial freedom

17:36 - Any financial mistakes? Look at where your money is going and adjust accordingly

18:00 - its ok to live cheap for a while while you build something

20:25 - how Jeremy pays himself as a contractor using dividends

23:40 - What are your long term goals?

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation!

To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

ITS NEVER TOO LATE TO START!

Heather and her husband found themselves in their late 50’s, $87,000 in debt and facing a consumer proposal. They took a deep breath and got super serious about changing spending habits and paid off the $87K plus both vehicles in just 25 months and now are working on paying off their mortgage and plan to retire in just 9 more years!

Such an incredible story you don’t want to miss.

If you're feeling defeated or feeling like you are too far in debt and haven’t started saving, you need to listen. It’s never too late.

Episode breakdown

6:22 found Dave Ramsey and his baby steps

6:45 How a consumer proposal works

13:20 working together as a couple changed how they managed their finances

15:00 if your intentional with your money, you can do anything

Follow Heather on Facebook @ Debt Free Reality

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

What happens when a saver and a spender get married? We sat down with a couple today and discussed how they did it. The recipe isn’t unique. Typically, we want to know “what’s the secret?!”, and more often than not, there is no secret. Work hard, and spend less than you make.

Maria and Jerry give us front row seats to hear what they did, how they grew their net worth to $100K at 26 and 29, and now, 10 years later, they are at $1.6 million!

Listen and learn how they worked through their different spending mentalities and how they built and increased their portfolio through real estate. Now they plan on achieving FAT FIRE in the next few years!

Follow Maria and Jerry on instagram @thoughtshandful and their blog at handfulofthoughts.com.

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Money and Happiness.

Does money equate to a certain level of happiness? We wanted to take some time to dive into this topic. Is there a correlation? Does having debt affect happiness?

7:45 - Study done on comparing ourselves to our peers takes away our happiness.

12:00 - Is there an Ideal household income?

13:14 - What you spend your money on should align with your values.

15:46 - Does money actually equate to happiness?

20:00 - Buying for others creates connection

25:00 - More money more problems

28:50 - Action steps we can take

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Sometimes we have dreams that are audacious and seem like, well, just dreams. But not for Adam and his wife. Only 4 years ago Adam woke up from his life of spending frivolously and got serious about his finances and at the same time he also fell in love with sailing. Now their dream is to retire before 40 and sail the world.

Tune in to hear:

How Adam plans to fund his sailing.
Things he would change if he could go back in time.
How he is trying to achieve FI at an early age!
Where he would love to sail in the world

You can find Adam on IG @ronersailing as well as https://ronersailing.com/

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation!

To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305 #sidehustle #podcast #money #millionaire #debtisdumb #invest #debtfreejourney #firecommunity #goals #habits #financiallyindependent #financialfreedom #finances #personalfinances #financialliteracy #millenialmoney #canadianfinances #canadianmoney #daveramsey #debt #debtfree #debtfreegoals #money #moneytalks #financialgoals #Investment #longterminvestment #financetips #frugaltip

It was an absolute pleasure chatting with Glenn and how he was able to pay off more than $100K in less then 2 years DURING COVID. If you're in debt, stressed, and you're not sure how to dig yourself out of this hole, this is the episode you MUST listen to and share with all your friends and family. Glenn will discuss: -How he got started in paying off debt

How he decreased his vehicle payments from $2800/month to $800/month
What he did as a side hustle
Sacrifices his family made to launch them into a debt free future.

We absolutely love this quote that Glenn shared “The best time to plant an apple tree was 20 years ago, the second best time is today.”

You can find Glenn on YouTube @ Debt Free For Canadians

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday.

If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com. It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Have you wanted to start a side hustle but you’re scared? Or not sure what you should do?

Today we are excited to interview Liz from Ambitious Adulting- online business consultant and personal finance mentor.

Liz built her side hustle into her main income stream and now teaches others how to do the same thing! In this episode we discuss how to:

Stop living pay check to pay check.
Service based vs product based business models.
Monetize the skills you ALREADY have.
What to do when you don’t think you have enough time.
How to deal with motivation, or lack thereof.
What to do if you don’t feel entrepreneurial.

You can find Liz on IG and TikTok @ambitiousadulting as well as www.ambitiousadulting.com

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Happy ALMOST Valentines Day! Seeing as though its V-Day and we are a financial podcast, we wanted to focus in on Money + Finances.  Money can help you and your partner pay for the things that make your life comfortable. Unfortunately, it can also cause some serious clashes. How do you navigate this!? - What do you do when you disagree with spending?  - When you disagree with saving?  - Investing? - Budgeting?   Sarah is a relationship anxiety coach and sat down with us as we discussed these questions and more. We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at financialclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms! EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Another 6 Figure Millennial! Today we had the privilege of sitting down and talking to Sherry from @Saverspender, not only is she a social media influencer with over 23,000 followers, she is an open book when it comes to finances and making money!

Talking with Sherry was so fun and I hope you enjoy it as much as we did!

Some highlights to peak your interest:

-Broke at age 23 ($60K in debt)

-Traveled the world at 25

-Net worth of $100k at 27

-Millionaire at 37

-12 income streams (you’ll have to listen to find out what they are!)

We interview guests all the time who share their financial stories. If you’re looking for more financial real life stories, we post episodes every Wednesday. If YOU have a story you would like to share with us please email us at finanicalclassroom@gmail.com It would also help us out a lot if you subscribe and leave a review on our various podcast platforms!

EQ bank is offering 1.5% interest on their savings account! A great place to keep that emergency fund so that it grows WITH inflation! To sign up click on this link: https://api.fintelconnect.com/t/l/5fff1c608284ff001db5f305

Im sure we have all had this debate before, which is better? Renting or owning your home???  Today we sat down with Chris Scheele, personal finance coach, and we discussed this very controversial topic.   Listen to us discuss which is a better financial decision for you, as well as the various life circumstances that could come into play when deciding to buy or rent. Also if you are someone who enjoys skiing, stay till the end as Chris talks about his favourite places to hit the best ski trails in the world!

We interview guests all the time who share their financial stories.

If your looking for more financial real life stories, we post episodes every Wednesday.  If YOU have a story you would like to share with us please email us @finanicalclassroom@gmail.com.

Also feel free to leave a review on apple podcast/itunes it really helps, or on any of our various podcast platforms.

From $80k debt to being RETIRED in less than 10 years! Traveling the world and living out her dreams with her husband.  This is what so many of us dream of but have no idea how to do it and more importantly - many people don’t even think it’s possible.  You don’t want to miss this episode! If you like what your hearing please help us out by subscribing and leaving a review!  Our vision is to bring financial literacy and help get as many people as possible out of the rat race and into living a financially free life!

If you have any questions or want to contact us about anything feel free to email us @finanicalclassroom@gmail.com. it would also help us out lots if you subscribe and leave a review on our various podcast platforms!

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Goals We hear it ALL THE TIME. Goals, make a goal, make a New Years resolution. But why?! In today’s episode we talk about:

WHY it’s important to make goals

Goals YOU could make to get you on the right financial path this year

How to make your goals ACHIEVABLE this year.

Listen as Will, Tim and Jules sit down to discuss all this and more.

If you have any questions or want to contact us about anything feel free to email us at finanicalclassroom@gmail.com. It would also help us out lots if you subscribe and leave a review on our various podcast platforms!

Happy New years everyone! Hope you all had a wondering holiday and glad to be back in 2021!

In this week's episode, Will, Tim and Jules got a chance to sit down and answer some of your questions!

Thank you to everyone who submitted a question. •

We answered: How much should a family be spending on groceries? Paid down your mortgage or invest? Should my investments be in a RRSP or TFSA?

Tune in to hear these questions and more answered.

If you have any questions or want to contact us about anything feel free to email us @finanicalclassroom@gmail.com. it would also help us out lots if you subscribe and leave a review on our various podcast platforms!

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Episode 12 • What are the first steps in buying real-estate? Where do you start? Buying your first home or buying an investment property can be a little daunting but with a good realtor on your side you don’t need to know everything. • Tune in to learn what you need to know before making one of the biggest purchases of your life! • We would love to hear from you, if you have purchased a home in the past what made the process easier and what made it hard? • To learn more about Tim or to learn more about real estate, check out his website or his podcast! • https://www.timotitoju.com

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Merry Christmas everyone, thank you for the support this year. We want to wish everyone a safe holiday and all the best in the upcoming new year! Your support for this podcast has been amazing, we want to continue making more and more episodes in the new year!

Hope santa was nice to everyone this year and lets make 2021 the year that you turn your finances around!

The Financial Classroom.

Music by Will (on the violin) and his wife Jess.

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Episode 11 | The Financial Classroom

From $110,000 in 2008 of student loan debt to millionaire status in 2018. You won’t want to miss out on this episode! Learn how Court and her wife Nic paid off their student loan debt and are now living financially independent! If you want to hear Courts thoughts on student loans, getting an education, and how to do school cheaper then you will want to listen to this episode!

Court was a blast to have on the show and has now semi FIRE!

Check out Court's instagram @modernFimily, she is doing some amazing stuff their as well as on her blog!

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Episode 10,

In this episode we spoke to Derek who has already achieved LEAN FIRE and is now focused on his social media platform. At an impressive age of 32, Derek is living off the interest of his investments and spending his time traveling North America! Learn some of his tips on traveling on a shoestring budget and how he makes it work.

If you have any questions about finances, drop a comment below or email us at financialclassroom@gmail.com

Follow Derek on Instagram @realderekbaker @ficommunity

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NEW EPISODE!!! In this episode, meet Brydie, our youngest 6-Figure Millennial yet and our first ever Australian guest!

Listen as we talk about her journey out of debt, her decision to start working directly out of high school, and how she has won big in real estate investments early on in life. . If you are a 6-Figure Millennial and would like to be featured on our podcast, drop a comment below or email us at financialclassroom@gmail.com .

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NEW PODCAST!!! In today’s podcast, we had the extreme privilege of interviewing @Jeremy Schnieder, an entrepreneur, millionaire and member of the FIRE community. Before getting to where he is today, Jeremy spent years living in California on a $36,000 salary. Jeremy has now achieved FIRE and uses his social media platforms to educate and help others with their finances!

• In the episode we discussed about the differences between being cheap and frugal and how to become successful with your money. Jeremy also talks about the importance of giving and how he planned on giving away his money!

• Check out how driving a used vehicle in his early years ultimately made him hundreds of thousands of dollars down the road.

• Tune in to hear Jeremy’s story, discover the difference between being cheap and being frugal, and find some tips on how to live a frugal lifestyle.

Jeremy's website: https://l.instagram.com/?u=https%3A%2F%2Fcourses.personalfinanceclub.com%2F&e=ATNoUfvadqBreZUXZL3kEjUJJkUE3f9QU5AsivkdTlN_8LYCuG7NnVyx-qaKFT0nPvq1Y7iS5NjI1MT6H3QdsDo&s=1

If you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

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In this episode, Tim and Will discuss for to be generous with money. Join us as we talk with Jason and Moriah, leaders of one of Dave Ramsey’s Financial Peace University programs, about giving while in debt, why it’s important to give, and how giving changes you. Listen as Jason and Moriah discuss the reasons why people should give and how giving can be a very joyful thing.

It was a fun time talking to Jason and Moriah, if you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

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NEW PODCAST!!! Unsure of how much to set aside for CERB come tax time? Wondering about the difference between CERB and CRB? Wanting to know a little bit about some of the support programs offered by the Canadian government? Then tune in for a short episode where we discuss the basics of CERB, CRB and other government programs, as well as how to prepare for these programs come tax time.

If you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

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NEW EPISODE!!! In this episode, we interviewed a firefighter named Jay. Take a listen as we discuss his journey from being cheap to being frugal, how cooking meals at home has cut down on his expenses and how he and his wife work together to succeed financially.

If you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

Subscribe for new episodes! If you can also please leave a review it really helps us out a lot!

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On today’s episode, we meet a go-getter, six-figure millennial who started working and saving at the age of 12. Tune in to hear her talk about investing as a teenager, living within her means and the difference a parent can make when they set an example of financial responsibility for their kids.

If you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

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NEW PODCAST! In today’s episode, we interviewed a six-figure millennial who already has a $450k net worth by flipping houses and making the decision to move to a less expensive region. Listen and see how she turned her spending habits around after reading books and listening to podcasts to educate herself! If she can do it, so can you! Tune in to hear about her financial journey and her goal of reaching Financial independence!

If you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

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NEW PODCAST! In this episode, we met AJ who became a six-figure millennial by the age of 28 while navigating a career change and living in an expensive region of Canada. Listen as we learn how he achieved a 6 figure net worth early on in life!

If you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

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NEW PODCAST EPISODE! In this episode, we discussed what it means to be "Financially Independent and Retire Early" We had the pleasure of interviewing Chrissy who is the author of Eat Sleep Breath FI as well as a host on the Explore FI Canada Podcast! Listen as we speak to her about her involvement in the FIRE movement, what motivates her to strive for financial independence and how you, too, can begin your journey towards FI. . To hear more from Chrissy, you can follow her on the following platforms:

Podcast: Explore FI Canada

Blog: https://eatsleepbreathefi.com

If you are yourself would like to come on the show and share your story/a topic feel free to email us at financialclassroom@gmail.com

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Welcome back to another 6 Figure Millennial Segment. Today we got to interview Eli who saved 100k by 23yrs old. This episode shows listening how hard work pays off! Eli is an example of someone who came from an immigrant family and was determined to get out and make a name for himself! He not only started working at a very age in life but also saved intentionally! Check it out!

If you are a 6 figure millennial yourself and would like to come on the show and share your story feel free to email us at financialclassroom@gmail.com

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Welcome back to another episode of The 6-Figure Millennial, we got the chance to interview Laura who hit over 100k net worth at 25yrs old. Laura is a Digital Marketing Manger and her whole net worth is a result of her hard work and dedication to budgeting. Listen as we discuss the importance of having a budget and debunk the myth that you can't have fun while trying to budget and save hard. Laura is trying to reach FIRE (Financial Independence Retire Early) and we know that at the rate she is going she will be able to reach FIRE down the road!

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In this episode, we invited Jackson Brailean back for a discussion on pensions and retirement. Take a listen as we discuss when you should begin saving for retirement, things you should know about RRSPs, different pension types, and how you should invest for retirement. The time to start planning for retirement is now! We think too many people don't think ahead to retirement and we want to let others know the importance of starting your retirement planning early on in life!

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NEW PODCAST! The 6-Figure Millennial is back with another individual who achieved $100k net worth early in life.

In this episode, we interviewed a stay at home mom and future mortgage broker named Juliana. Join in as we talk with her about spending only the money you have, having money set aside for emergencies and how her and her husband work together with their finances.

If you are a 6-Figure Millennial and would like to be featured on our podcast, drop a comment below or email us at financialclassroom@gmail.com

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NEW EPISODE! In this episode, we discuss the basics of investing with special guest and wealth advisor, Jackson Brailean. Tune in for a discussion of why you should invest, when you should invest, what investment options are available to you and what to look for in an advisor.

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NEW EPISODE! We are excited to bring you a new episode of “The 6-Figure Millennial”, where we have the opportunity to highlight young people who have already accumulated 100k net worth and encourage other young listeners that it’s POSSIBLE to achieve 100k net worth early on in life.

We had the pleasure of interviewing Josh, who completed his undergrad with no student loans, went on to do TWO masters degrees without paying a SINGLE CENT, and who won BIG on the stock market. Tune in to hear his journey.

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We’re coming at you with another NEW segment of “The 6-Figure Millennial”, where we interview millennials who have reached $100k net worth at a young age.

We interviewed Major Nick, who is a military officer with the Canadian Forces. Join in as we talk with him about how he came to a strong work ethic at a young age, his journey into debt and how he became debt free and a MILLIONAIRE.

If you are a 6-Figure Millennial and would like to be featured on our podcast, drop a comment below or email us at financialclassroom@gmail.com

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We’re back with a BRAND NEW “The 6-figure Millennial” segment, where we interview millennials who have reached $100k net worth early in life and learn how to follow in their footsteps.

In this segment, we interviewed a dietician named Harrison. Tune in to find out how he reached $100k net worth by the age of 26, despite setbacks of returning to school, a career change and having to overcome $50k in student debt.

If You Would like to be a guest on the "6 Figure Millennial" feel free to contact us or email us at financialclassroom@gmail.com

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Introducing the NEWEST podcast segment called “The 6-Figure Millennial”. In this segment, we will be interviewing millennials who have reached a 6-figure net worth early in life. The purpose of this segment is to show that everyday people are capable of reaching $100k net worth early in life through their own hard work and intentionality.

In this first segment, we interviewed Jay, who is a heavy duty mechanic. Tune in to find out how he reached $100k net worth in his 20s, how he was able to increase his income along the way, and how he has managed to continue to grow his net worth into his 30s.

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Sponsorships: off for this episode

In episode 3 of The Financial Classroom, Will and Tim discussed different tips and tricks to become successful in your 20s. They shared their own perspectives on what it was like coming out of high school and the mistakes that they have both made and seen other people made. Now they are sharing their tips so young people can succeed!

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In this episode Will and Tim will discuss about credit cards and whether or not they are meant for you! Will and Tim will talk about the pros and cons of credit cards and why you should or should not sign up for those plastic cards.

Follow us on Instagram; @financialclassroom

Facbook: The Financial Classroom

Check us out weekly for new episodes!

Ep.1 In episode 1 we will discuss our biggest Financial Mistakes. You will get to meet the hosts Will & Tim as we share personal stories and lessons that we have learned regarding money. Join us as we talk about student loans, vehicle payments and goals that we have set to achieve financial independence.