The Heart of Your Money: Recent Episodes
Zena Amundsen
Welcome to Heart of Your Money—the retirement prep podcast for busy professionals wanting real money talk. Hosted by Zena Amundsen, author, Certified Financial Planner and founder of Astra Financial. In every episode, you’ll get exclusive access to juicy money details to get you retirement ready and feeling confident about your next money move.
If you want even more information about how to start preparing for retirement? Head on over to www.astrafinancial.ca where you’ll find show notes, free downloads and even more resources on how to get retirement ready.
Picture this: you're planning "retirement" like it's one big phase. Golf every day, travel the world, maybe some time with the grandkids.
But here's what I learned when I took my mom to Europe and watched a retired NBA player struggle through the tour.
Retirement isn't one phase—it's three completely different stages. And if you don't plan for all of them, you're setting yourself up for some expensive surprises.
I call them the Go-Go, Slow-Go and No-Go years. Each phase has different energy levels, different priorities, and most importantly, different financial needs.
Your 65-year-old self will spend money very differently than your 85-year-old self. The question is: are you planning for both?
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out: https://astrafinancial.ca/podcasts/
You've saved diligently, planned carefully, and can finally see retirement on the horizon. Then the market crashes.
Does this mean putting your dreams on hold? Not necessarily.
In this episode of Heart of Your Money, we dive into the often-overlooked "deaccumulation phase" – how to spend your retirement savings wisely even when markets work against you.
We'll explore why the timing of market downturns can devastate unprepared retirees, share a real-world success story of a couple who retired during an 8% market decline, and reveal strategies that go beyond the oversimplified "4% rule."
Ready to create a retirement plan that can weather any economic storm? Listen now!
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In this inspiring episode, we sit down with Quinn Magnuson, a former CFL player who has successfully transitioned from professional sports into business advising and leadership coaching.
Quinn shares his remarkable journey from growing up on social assistance to earning a football scholarship that changed his life path. His unique philosophy of "Effort Over Results" emerged from his experiences in sports, teaching, and business ownership.
In this episode, Quinn helps business leaders understand that true growth comes from valuing process over outcomes, creating psychological safety, and prioritizing self-care to avoid burnout.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Whether you're just receiving your first paycheck or mapping out your retirement, understanding Canada's tax system is crucial for your financial well-being.
In this episode of Heart of Your Money, I break down marginal tax rates and progressive taxation in simple, practical terms. You'll discover why that "next dollar earned" doesn't push all your income into a higher tax bracket.
Tax-Smart Retirement Planning isn't just about saving—it's about strategic withdrawals that keep you in lower tax brackets. I share real examples, including how my husband's retirement income only decreased by $850 monthly despite a "substantially lower" pension on paper.
From the "sprinkling effect" of diversified income sources to the often-misunderstood difference between tax credits and deductions, this episode offers practical strategies for every life stage.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Markets are in turmoil as new tariffs shake investor confidence, but is this truly the crisis the headlines suggest? In this episode, we cut through the panic to reveal what these trade policies really mean for your portfolio. Get the straight facts on the recent US tariff announcements, understand their actual impact on different sectors, and discover why seasoned investors see opportunity where others see only risk. Learn how to position yourself to not just weather this storm but potentially profit from it. Don't let fear drive your financial decisions—tune in now to gain the clarity and perspective you need during these volatile times.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out: https://astrafinancial.ca/podcasts/
In a world increasingly focused on digital connection, there's something profoundly human about gathering in a circle to share stories.
My conversation with Fraz Wiest, Development and Community Engagement Administrator at Regina's Globe Theatre, explores how theatre creates authentic bonds that transcend entertainment.
As Canada's only permanent theatre-in-the-round completes its four-year renovation, Fraz reveals why supporting local arts represents a community investment with returns measured in connection, purpose, and belonging.
From his personal journey as a theatre-loving child to his vision for revitalizing downtown Regina, Fraz reminds us that theatre isn't just about watching a performance—it's about participating in a fundamental human experience.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Retirement should be about enjoying life, not worrying about taxes eating away at your hard-earned savings. Yet many Canadians unknowingly pay thousands more in taxes than necessary simply because their investments are in the wrong accounts. In this episode, I break down three critical types of investment income—interest, dividends, and capital gains—and explain why understanding the tax implications of each can dramatically reduce your tax burden.
Whether you're already retired or planning ahead, knowing how to properly position your investments across registered and non-registered accounts is crucial. I'll share practical strategies, including my "sprinkle approach," to help keep you in a lower tax bracket and maximize what stays in your pocket during retirement.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
What does your ideal retirement lifestyle look like?
Before diving into investment strategies and portfolio allocations, we need to start with a more fundamental question: What truly matters to you?
In this episode of Heart of Your Money, we explore how understanding your core values transforms financial planning from a numbers game into a purposeful journey. Through real stories and practical exercises, you'll discover how to align your investments with your deepest goals – whether that's preserving a family legacy, supporting the next generation, or creating the freedom to spend more time with loved ones.
Let's move beyond traditional planning to create a financial strategy that resonates with your personal values.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out: https://astrafinancial.ca/podcasts/
Ready to structure cash flow in retirement but feeling overwhelmed?
While it might not be the most exciting topic, creating a clear system for your retirement income and expenses is crucial for a stress-free future.
In this episode, I'm breaking down a simple yet effective two-bucket approach to managing your money in retirement.
By separating your fixed expenses from your fun money, you'll gain the clarity and confidence to spend without worry. Whether you're planning for retirement or already there, this practical guide will help you create a system that ensures both your needs and wants are covered.
Say goodbye to financial uncertainty and hello to peace of mind in your retirement years.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check it out here: https://astrafinancial.ca/podcasts/
Retirement planning can be complex, but few aspects are as critical as understanding your government benefits. In this episode of Heart of Your Money, we're tackling four costly mistakes that could be diminishing your retirement income.
From underestimating the true value of CPP and OAS to getting blindsided by the dreaded clawback, these pitfalls can significantly impact your financial security. The good news? They're all avoidable with proper planning. Whether you're approaching retirement or already there, knowing how to maximize these benefits while minimizing tax implications could mean thousands of extra dollars in your pocket.
Join me as we explore smart strategies for timing your benefits, leveraging spousal options, and protecting your OAS from unnecessary clawbacks.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you staring at your retirement savings, wondering if it will be enough? You're not alone.
Many retirees struggle with the emotional shift from saving to spending, often feeling anxious about "turning on the tap" of their hard-earned nest egg.
But there's a more empowering way to think about retirement: instead of viewing your savings as one big pile that's slowly depleting, imagine multiple retirement income streams flowing toward you month after month, like a steady river.
This mindset shift isn't just about feeling better—it's about creating a practical strategy that combines various sources of income, from investments to pensions, helping you spend confidently and live joyfully in retirement.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
The retirement landscape has transformed dramatically over the past few decades. Gone are the days when you could count on working for one company, receiving a comfortable pension, and settling into a predictable retirement routine. Today's new retirement reality demands a different approach—one that acknowledges longer lifespans, changing work patterns, and the need for multiple income streams. Whether it's the decline in defined benefit pensions, the impact of market volatility, or the rising costs of healthcare, retirees face unique challenges that their parents never encountered. But it's not all doom and gloom. With proper planning, understanding, and an open mind, this new chapter can be more flexible, purposeful, and fulfilling than ever before.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In my latest episode of "The Heart of Your Money," I dive into a topic close to my heart: happiness in retirement. I've learned that it's about so much more than just financial security—it's about creating a fulfilling life after your working years.
Drawing from the renowned Harvard Study of Adult Development, I share insights on cultivating enduring happiness during retirement. I'll show you why finding purpose, nurturing relationships, and maintaining your health are crucial for a satisfying retirement.
Together, we'll explore practical strategies to find meaning in everyday activities, stay socially connected, and achieve that elusive work-life balance, even when work is no longer part of your equation.
Join me as I uncover the keys to unlocking true happiness in your golden years
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In this eye-opening episode of our podcast, we dive deep into the world of online safety with RCMP Officer Brian Ferguson.
Brian shares invaluable insights on protecting yourself from cyber threats, including the importance of regular password changes, the risks of public Wi-Fi, and the dangers lurking in social media oversharing. From the "30-Day Password Challenge" to the perils of internet-connected home devices, this episode is packed with practical advice for navigating our increasingly digital world. Whether you're a tech novice or a seasoned internet user, Brian's expertise offers something for everyone.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In an era where digital threats loom large, understanding cyber security has never been more crucial, especially for retirees.
In this eye-opening episode of our podcast, we sit down with RCMP Officer Brian Ferguson, a seasoned expert with 20 years of experience in tech crime.
Officer Ferguson pulls back the curtain on the evolving world of online scams, from heartstring-tugging romance frauds to cunning tech support schemes. With his unique insights, we explore how these scams specifically target retirees and why they're so effective. But more importantly, we equip you with practical, easy-to-implement strategies to protect yourself and your loved ones from falling victim to these digital predators.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Wondering how to save for your first home? In this episode, Nicole Putz and I discuss the first-time homeowner savings account and other practical tools to leverage when navigating today's challenging real estate market. Listen now!
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Curious about whether a part-time job in retirement is right for you? In this episode of the Heart of Your Money podcast, we dive into the emotional and financial considerations of working part-time after retirement. Whether you’re looking for a sense of purpose, a financial buffer, or simply exploring your options, our expert advice will help you make an informed decision. Tune in to discover how a part-time job could fit into your retirement plan and ensure you enjoy this next chapter to the fullest.
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you planning for retirement and unsure about when to start taking your Canadian Pension Plan (CPP) benefits? Don't miss this crucial episode of the Heart of Your Money podcast!
In episode 119, we delve into the intricacies of the CPP, a hot topic in almost every retirement meeting.
Discover how your contributions and benefits are calculated, and learn about the often-misunderstood impact of zero years of working before collecting CPP. Whether you’re nearing retirement or planning ahead, this episode will help you navigate the complexities of the CPP and optimize your retirement strategy.
Grab the Get Your Money in Gear Course here: https://zenaamundsen.ca/get-your-money-in-gear-course/
In my latest episode, I'm sharing why our last 2 clients came to Astra Financial and the importance of these 3 things in an financial advising relationship:
➡️ Personalized Financial Planning: The critical need for detailed and personalized financial planning as clients approach retirement
➡️ Recognizing and Acting on Red Flags: The importance of recognizing red flags in financial advisory relationships. Whether it's a lack of detailed financial planning, insufficient explanations about fees, or a general feeling of uncertainty after advisory meetings
➡️ Client Empowerment Through Education: The benefits of working with certified financial planners who are committed to the client’s best interests
If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you ready to supercharge your financial journey? 🚀 Tune in to our latest podcast episode where my daughter and I dive deep into three game-changing strategies for financial success and stronger family bonds, including ...
🌟Starting small but dreaming big: And how those little steps can lead to massive wins!
🌟Celebrating every milestone along your financial path because every victory counts!
🌟Learning how to create a supportive and judgment-free environment that fosters financial well-being and strengthens family ties. Don't miss out on this valuable insight!
Tune in now and join us on the journey to a brighter financial future and happier family relationships!
Ready to gain insightful secure your financial future through smart pension management? In my latest podcast episode, I'm sharing my top tips, including ... 💰Educating yourself about pensions early in your career, covering contribution rates and vesting periods to make informed decisions. 💰Exploring the benefits of consolidating multiple pension accounts into one, making management simpler and more efficient. 💰Emphasizing the importance of keeping your contact information up-to-date to avoid any disruptions or losses in tracking your pension. Don't miss out on these valuable insights! Tune in now to optimize your pension strategy and pave the way for a secure financial future.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Importance of End-of-Life Conversations and Documentation: The podcast emphasizes the critical need for individuals to have conversations about their end-of-life wishes with loved ones or document them if they can't. This ensures that their desires are known and respected, helping to avoid family conflicts and uncertainty during challenging times.
Comprehensive Support and Resources: Kathleen Kellner's role as an end-of-life consultant extends beyond traditional funeral planning. Her company, Empowered Endings Collective, offers comprehensive support, including financial, legal, and legacy planning. This holistic approach aims to address all aspects of end-of-life preparation and ensure clients receive tailored support for their unique needs.
Initiating Conversations and Seeking Support: Both Kathleen and the host, Zena, stress the importance of starting conversations about end-of-life planning and seeking support early on. They encourage listeners to reach out for guidance and assistance, emphasizing that every situation is unique and requires personalized support to navigate effectively.
Elevate your tax game with my latest podcast! Today's episode is dedicated to tax season. Learn my top tips on navigating recent updates, including ...
🌟 Discovering the power of disclosure in trust arrangements, ensuring CRA compliance and penalty avoidance.
📝 Traversing the 2023 home office expense changes – meet criteria, keep docs handy!
💼 Exploring the CRA's recent 10% interest charge hike; timely payments save you from hefty fines. 🚨
Stay informed, be proactive – these tax insights are your guide to smooth financial sailing! Dive into tax insights today for savvy financial planning ahead!
Embark on a journey of insightful revelations with Laura Englund as she unravels the intricacies of navigating life transitions, including these three key takeaways that might just reshape your perspective:
🙌 Early Conversations Are Key: Laura passionately advocates for the power of early conversations and strategic planning when it comes to life transitions. Waiting until retirement, she cautions, might add unnecessary stress. Learn why initiating these dialogues sooner rather than later can be a game-changer in navigating the twists and turns of life.
🙌 Downsizing Beyond the Tangibles: In a heartwarming exploration of personal anecdotes, Laura delves into the emotional toll and family dynamics associated with downsizing. The big revelation? Downsizing doesn't equate to selling everything. Discover how a shift in perspective, coupled with professional assistance, can streamline the process, allowing you to preserve cherished memories while embracing a simpler lifestyle.
🙌 Embrace Alternatives: Laura encourages us to broaden our horizons by considering downsizing alternatives. It's not just about clearing physical space but finding ways to declutter our lives continually. Moreover, she introduces the concept of aging in place comfortably, showcasing that downsizing doesn't always mean a complete upheaval.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In the latest episode of "Heart of Your Money," we dive deep into the heart of family dynamics and finances. Get ready for a rollercoaster of insights and personal stories that will reshape the way you approach money within your own clan. Here's a sneak peek into the transformative journey:
💰 Diverse Money Perspectives Unveiled: Discover how I navigate the intricate web of diverse money mindsets within my family, ensuring a harmonious financial landscape and preventing conflicts before they even arise.
💰 Money Memories: It's more than just nostalgia. Join me on a trip down memory lane as I open up about personal money experiences. Learn how sharing these stories fosters a deeper understanding and respect among family members, creating an empathetic foundation for our financial journey.
💰 Crafting the Ultimate Family Money Plan: Uncover the secrets to a robust family money plan that goes beyond the numbers. I delve into the importance of regular discussions, inclusivity, flexibility, and financial literacy. Spoiler alert: It's not just about the budget; it's about building trust and strengthening those family bonds.
Tune in now for an eye-opening conversation that will empower you to revolutionize your family's approach to money. Because when it comes to finances, unity is not just strength – it's the key to an unbreakable family legacy!
Embracing Simplicity in Money Management: The episode emphasizes the importance of adopting a minimalist approach to financial management, drawing parallels between a simple lifestyle and a streamlined approach to handling money.
Daily Financial Check-In: The host introduces a quick and easy daily routine, taking just 10 minutes or less, to check in on your finances. This involves planning for the day's expenses, fostering mindfulness in spending, and ensuring that every financial decision is well thought out.
Weekly Financial Grasp: The podcast advocates for a weekly 10-minute check-in to assess the previous week's spending, celebrate successes, or recalibrate as needed. This routine includes checking bank accounts, listing upcoming expenses, and maintaining control over your financial situation to eliminate stress and guilt associated with unplanned spending.
Are you ready to break free from financial constraints and embark on a journey to redefine your relationship with money in 2024? I'm here to guide you through a game-changing approach that will reshape your financial destiny, starting with today's podcast, Episode #109: Cash Flow Mastery - Breaking Free from Budget Constraints in the New Year.
Key takeaways for your financial revolution include ...
🚀 Prioritizing Meaningful Spending: Bid farewell to impulsive purchases and embrace intentional living. Align your spending with your values, empowering your money to reflect what truly matters.
🚀 Creating Value-Aligned Savings Buckets: No more generic savings accounts! Discover how to tailor your savings to unique goals, making your money work smarter and aligning your strategy with your dreams.
🚀 Adopting a Simple 10-Minute Financial Check-In Routine: Say goodbye to overwhelming spreadsheets! My quick and easy financial check-in routine takes just 10 minutes, offering significant results in keeping your finances on track.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Get ready for an inspiring journey through the entrepreneurial landscape in our latest podcast episode!
In today's podcast, I'm joined by Corina Walsh, author, certified leadership coach, and CEO of Shift People Development Inc. Our conversation was brimming with wisdom nuggets, offering invaluable insights into...
🌟The Exhilarating Entrepreneurial Journey: Dive into the riveting world of entrepreneurship as we explore the highs and lows, emphasizing the importance of preparation without succumbing to a scarcity mindset.
🌟Transitioning to Entrepreneurship: Join us for insights on the shift from employment to entrepreneurship, where we stress the need for meticulous planning and open communication, addressing crucial aspects such as finance and emotions.
🌟Practical Tips for Aspiring Entrepreneurs: For those eyeing entrepreneurship, especially those nearing retirement, we offer actionable advice—strategic career completion, early venture exploration, and proactive network building.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
As parents, we always want to protect our kids and make sure they’re okay. We pick them up when they scrape their knees trying to ride a bike and give a stink eye to the other kids who are mean to them on the playground 😠 But at some point we all know we have to stop picking them up and dusting them off...and let them do it themselves. COVID has created a lot of uncertainty in terms of jobs and finances, and many people have kids wanting a helping hand financially right now. In this podcast, I’m chatting about what you should think about if you have adult kids who want financial help. Give it a listen now to learn what you need to consider if you’re thinking about giving your grown-up kids financial help 💁 https://astrafinancial.ca/2021/02/08/should-we-be-helping-our-adult-children-financially/
I don’t know about you but I love when a myth gets busted …from the moon being made of cheese to that being Trump’s natural skin tone (sorry, I had to do it 🙊). But some myths can actually be pretty frightening and really hurt us financially, which is why in this podcast I’m debunking some of the most common financial myths I get asked about…like you can’t afford a financial planner, you started too late or you’re stuck in a defined benefit pension. I also have a special guest on this episode who is going through these myths with me…but you’ll have to listen to find out who it is 😁 You don’t want to miss this episode, it’s one of my favs. https://astrafinancial.ca/2021/01/04/episode-6-busting-financial-planning-myths/
A new year is almost here (whew, we made it!) and this is a great time to do a financial check in to see how you did this year in terms of meeting your goals, paying off debts and figuring out what you want to make happen in the year to come. In this podcast I’m going over what to take into account when you’re closing out your year so you’re on a fresh new journey in 2021 😎 Don’t worry – this check-in isn’t about being hard on yourself. It’s about celebrating what you’ve achieved so far and planning out the exciting new places you’re going to go in the coming year 🌟 Take a listen now, grab a pen and paper and jot down these easy steps for a year-end closeout that will give you confidence heading into the new year. https://astrafinancial.ca/2020/12/14/episode-5-end-of-year-financial-checklist/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Don't miss our latest podcast episode! I'm dishing on the celebrities and offering vital aspects of estate planning, including ... Why having a will is crucial to avoid complications and disputes. Common reasons for delaying will creation. The importance of updating your will as life changes and Celeb stories drive home the need for proactive estate planning. Tune in now!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Welcome to episode #103! In this podcast episode, I'm sharing commonly given bad financial advice, including... Investing all your money in a single stock based on rumours or tips is discouraged due to its high risk, Borrowing money to invest, known as leveraging, can lead to financial trouble and dipping into emergency funds for high-yield investments. The big takeaway in today's episode? Approach financial decisions cautiously, seek professional advice, and prioritize diversification, liquidity, and prudent financial planning. Dive into our latest episode for essential financial wisdom and insights! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Dive into our podcast—uncover financial wisdom and spark meaningful retirement conversations. Tune in to "Episode 102: Ask Me Anything" now!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In this episode, lawyer Yens Pedersen and I are navigating common mistakes in estate planning choices. Here's a sneak peak at the 3 three key takeaways...
✔️Executor fees vary by province, and compensation depends on factors like complexity and assets. Some opt for percentage-based fees, while banks and trust companies may have higher charges.
✔️Estate planning is crucial, and procrastination is a major hurdle. Setting up a professional appointment is the pivotal first step. The cost of creating an estate plan is reasonable compared to the potential high cost of not having one.
✔️Neglecting beneficiary updates and navigating multiple spousal situations are common mistakes. Seeking expert guidance and avoiding DIY approaches is vital to prevent complications for loved ones.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In our ⭐100th⭐ episode of "The Heart of Your Money" podcast, guest Billy Pratt shares his inspiring "$5 Story" experiment. In this experiment...
💌 He sent $5 bills to 43 people with no restrictions on how to use it.
💌 Recipients used the money for self-care, charity, and helping others, showing the power of small acts of kindness.
The project emphasized the importance of giving with intention and sparked transformational experiences. This led to our announcement of our new podcast, "For the Love of Kindness," celebrating and spreading the message of kindness and its positive impact on communities.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
This week's podcast episode has me all fired up! Tune in to find out my top 3 tips for getting the most of out your relationship with your financial advisor, including ...
✅ Demanding a financial plan from your advisor. You deserve it!
✅ Seeking comprehensive advice beyond just investments; plan for the future and mitigate risks.
✅ Taking control, advocate for more, and recognize your worth. You have the power to shape your financial future.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In my latest episode, I'm sharing my top 3 tips for a peaceful retirement:
🌟The importance of planning for long-term care expenses in retirement
🌟Downsizing as an option to fund care costs
🌟And the significance of open family discussions about care preferences
These 3 aspects ensure a secure and comfortable retirement.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Money is a lifelong relationship, lasting from birth to death. Nurture it because it's here to stay. Reflect on the significance of money in your life and how it aligns with your dreams and values.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In my latest podcast episode, I'm sharing my top 3 financial tips to kickstart an abundant future in your 30s. Things like ...
- Building a strong financial foundation in your thirties by managing cash flow, saving for emergencies, paying off debt, and planning for retirement.
- Investing in yourself by advancing your career, increasing income potential, and pursuing professional development.
- Not overlooking life insurance and estate planning, even if you're young. These steps ensure financial security and peace of mind.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
*In my latest episode, I'm talking all thing financial benchmarking for your 40s and what's the most important things to have in place (financally-speaking). By prioritizing mindset, planning, and financial education, you'll pave the way for a more secure future.
Discover the key milestones for financial success in your 40s by listening to THIS episode.*
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In my latest podcast episode, I discussed three key points for individuals in their fifties. Discover essential tips for financial success in your fifties here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
By aligning our finances with our values and embracing these questions, we can craft a purposeful life and leave a meaningful legacy. Reflect on these questions to guide your approach to life and finance.
Listen to the episode now and start designing your future intentionally here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
This could make or break your retirement plan. 👇 Having your retirement plan go sideways is a big deal—especially if you’re already in it. If you want to know how you can save your retirement plans from falling apart, tune into the latest podcast episode where I spill all the details you need to know.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Should you relocate in retirement? You may consider making an international move during your retirement—especially if it will save you money. But before you decide whether it’s best to make a move, you will want to weigh the pros and cons. Saving money is great, but it’s not the only important factor supporting your quality of life in retirement. Other things to consider include having the right services, amenities, and community nearby. An informed decision is a good decision. Tune into the latest podcast episode and we’ll discuss all your potential options.
Funeral talk feel taboo? Here’s why it shouldn’t be. It might not be an easy subject to discuss, but it is an extremely important one. Planning or even pre-paying for your funeral in advance can provide your family the support they need in a time of grief. Making your wishes clear AND putting aside the finances to back it up is truly a gift for your family. The question is: What do you need to do to start planning, and when is the right time to prepay? You can find the answers to those questions in the latest podcast episode.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Let’s talk about money and mindset. How you think about money has a lot to do with how you make and spend it. And when you feel yourself getting stuck in a place of scarcity, there are things you can do to redirect your mindset to a more helpful place. Whether it’s just for you or your planning financially for your family, creating a healthy relationship with money matters. Discover how you can do that in a few simple ways by tuning in here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Those investment records of yours? 🤔 They need to be organized—for security and for ease. Of course it can be so much easier said than done. So where’s the best place to start? Well, when it comes to getting your paperwork in order, it helps to create a streamlined, secure system for storing your records. All the details you need are in my latest podcast episode.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Your mindset and your housing will have a significant impact on your retirement. Discover more on the latest podcast where I’m interviewing special guest Billy Pratt.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Really wanna get rich? 💰Here are 5 things billionaires are doing that you should be doing too. If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Is filing your taxes online the best option for you, or should you hire an accountant? Tune in here to get my take.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Thinking about taking out an RRSP loan? Before you do, check out these important pros and cons.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Want to test your financial fortitude? Find your answer through simple stress-tests. Learn how in the latest podcast episode.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Learn how you can ruin your investment portfolio, so you can avoid these practices and help it be successful instead.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
This week's episode is all about preparing for January 2023—and we're going to talk about some things you might not have thought of yet. Are there any financial changes coming your way? Are you planning any big purchases? Are you ready for tax season? Listen for more questions to consider and how to ensure your plan is a stress free process
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Holiday shopping can be stressful. But you don't have to let the pressure get to you. This week’s episode talks about maintaining your budget during the holidays so you can enjoy your time with friends and family without worrying about overspending!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
If you're planning to travel, do you need to take out travellers insurance? The answer is yes. Traveller’s insurance can be a real lifesaver in the event that something goes wrong. It's important to research the different types of policies, and make sure that you're getting the best deal for your needs. Learn more on the newest episode.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you taking your finances into consideration when taking care of your health? This week on "Heart of Your Money" we're talking about why financial planning is good for your health!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
This week's episode discusses whether you should wait until you're dead to gift money and what to consider if you don't want to.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Dread the holiday money hangover? Then avoid it altogether with my holiday challenge that will keep you from overspending & feeling guilty heading into the new year.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you planning on retiring after 65? You might be surprised to find out that the majority of people don't have a plan for retirement. This week's podcast episode talks about what you need to expect and how to make a retirement plan when you're planning on working past 65.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In this week's episode, we take a look at the financial steps you should take when your spouse dies.
Whether you're married or not, it's important to have a plan in place for any eventualities. But what happens if your partner dies? How will you manage your finances? Do you know what to do in that event?
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
This week's episode is all about why you need to update your financial plan, even if it seems like you've got it all figured out.
It's not just about making a financial plan, but ensuring that your plan is up to date with the current goals in your life. Whether that means your kids are grown and gone from the house, or you're saving for retirement, there are always new factors that come into play that require an updated financial plan.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
*Are you worried about how you're going to get out of debt in retirement?
This week's podcast episode is all about managing debt during your golden years. Trust me, I know how scary this can be! But I have some tips for you while you're planning.
Listen to the new episode today!*
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
*Did you know that life insurance is something young people should have, even if it's not something they're excited about?
In this week’s episode, I break down what life insurance is and why it's so important—even if you're young! Listen to the episode today and learn all about how this simple step can help protect your loved ones after you're gone.*
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
We all know that retirement is the time when you can finally relax and enjoy yourself. But it's also a time when you need to be especially careful with your money because there's no guarantee of how long it will last.
In this week’s episode, we'll talk about why you need to save money even while you're retired—and how to do so by creating "extra savings buckets."
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Wondering if semi-retirement is right for you? In this episode, we'll discuss how to decide what kind of retirement plan is the best plan for your future.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
The economy is growing but is it growing fast enough to keep up with your retirement plans? In this week's episode, we take a look at inflation and rising costs and how they're impacting your retirement plans.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
When the stock market is in a bear market, it can be tempting to try to make up for lost ground by taking on more risk. But that's precisely what you shouldn't do. Listen to this week's episode for a lesson on staying the course.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Canada is offering a new savings account to help out first-time home buyers! This week on the podcast, I’ll be sharing the pros and cons and how you or your family can use this to get ahead! Listen here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Life doesn’t always go as planned. The same goes for retirement! In the event that you need to retire earlier than expected, I want to make sure you’re secure. Tune into this week’s podcast to learn how you can stay on top of your finances.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you a part of the generation who find themselves looking after their children and elderly parents at the same time? 😳It’s called the Sandwich Generation, and this week’s podcast is all about it! There’s valuable advice to be had, so tune in here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Your relationship with your financial advisor is so important! You deserve someone who has your best interest in every way. I’m discussing just that on this week’s podcast, so if you’re feeling unsure about your advisor, be sure to tune in!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
When opening your investment portfolio these days, you may be seeing different numbers across the board. There’s a lot of volatility in today’s market, which can be scary! Tune into this week’s podcast and learn about how you can cope.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Now that it's almost summer maybe you're thinking about buying or renting a cottage. Listen to my podcast to learn the questions to ask before taking the leap so you’re totally prepared & make the choice right for you! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
In the spirit of Mother’s Day, this week’s podcast is all about motherhood and lessons learned along the way! There’s advice to be had for mothers of all ages. Tune in. Let’s chat!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Have you heard of ESGs? They have to do with the concept of environmentally friendly investing, and let me tell you, it’s becoming a lot more popular! Tune into this week’s podcast as I share the ins and outs of ESGs! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
As a result of inflation, we’re seeing more and more parents helping their children with first-time home purchases. Is this you? Join me for this week’s podcast as I discuss the realities of this popular topic!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Have you thought about your health benefits plan as you head into retirement? If not, don’t fret! This transition can be is an easy one! Tune in to this week's podcast to learn more! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
You may think you know the ins and outs of investing, but do you really? Having the guidance of a financial planner can benefit you in more ways than one. Listen to this week's podcast as I weigh in on this topic!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Inflation has been a buzzword on everyone’s lips these days, and you can bet that I’m diving into this topic! Learn how inflation can impact your portfolio in Episode 53 of The Heart of Your Money!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Have you ever considered that there are different stages in retirement?! And let me tell you, stage one is arguably the most fun! Listen to this week's podcast as I discuss how you can make the most of them! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Have you sat down with your partner lately and discussed finances and retirement? If you haven’t, maybe it’s time. Tune in to my podcast this week and get the ball rolling!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you familiar with the three types of investments that everyone should have in their portfolio? If not, tune into my podcast this week as I break it down and make sense of your assets!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Do you want to feel confident knowing that you’re putting your money towards the right things? Take a listen to this week’s podcast where I discuss mortgages and TFSAs.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you ready to debunk retirement myths?! Join me for this week's podcast as I bring truth to these common misconceptions.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Do you know the difference between a financial advisor & planner? You should. It impacts your 💰 choices. Listen to my latest podcast & make sure you've got the right person in your corner.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Ever heard of a RIF? Don’t worry if not! I’ll explain what it means for you & your retirement in my latest podcast episode. Listen here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Do you know how your financial planner gets paid? Because it matters - it may affect the quality of your service and bottom line. Learn why you need to know how they make their money here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
It’s almost a new year, so it’s time to get your end-of-year financials in order. In this podcast I’m going over how to close out 2021 & set up for 2022 success.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
The end of the year is quickly approaching! Have you prepared for your last meeting with your financial advisor? Take a listen for my tips and tricks to get ready.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
LINK"}" data-sheets-userformat= "{"2":4609,"3":{"1":0},"12":0,"15":"Muli"}"> Worried about your upcoming trip? Don’t worry, tune in to my latest podcast episode for my tips for peace of mind on your travels! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Want to hear one of my fav retirement stories? On this week’s podcast, I’m chatting with Bryce Buchanan & he’s telling me all about his amazing life in Fernie. Listen to the episode about his perfect retirement here.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
People think about what year they will retire...but what about the month? It matters. Listen to my latest podcast now to learn why picking the right month can mean more money in your pocket.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Planning for retirement? Know which red flags to look for so you don’t get stuck without enough money or saddled with stress-causing debt in your golden years.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Ever thought about how your pandemic spending habits will change when things open back up? In my latest podcast I’m going over post-pandemic cash flow & what to consider.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Dread the holiday money hangover? Then avoid it altogether with my holiday challenge that will keep you from overspending & feeling guilty heading into the new year!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Fall is the perfect time to get organized & take control of your finances after a busy summer 👌 Learn more about autumn financial checklists 📋 in my latest podcast episode.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Are you considering switching your pension plan? It’s a big decision & there’s lots to think about. Learn about the pros & cons of switching in my latest podcast now.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
COVID-19 has people re-evaluating their housing needs, wants & how they can make their financial plans fit those goals 💪 Listen to my latest podcast to learn more.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Do you know the #1 thing sabotaging your money? I’ll give you a hint. It has to do with self-care for now & our money story. Listen to episode 33 of my podcast to learn more.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Self-care is a buzzword we hear a lot lately - and it’s not just about having chocolate for breakfast - it includes financial care too. Listen to my latest podcast to learn more!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Money values mean a LOT, so important to match your money to what means the most to you. Check out this podcast to learn about your money values & how to link them to your goals
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Want to plan your financial future & how to do things like plan your will? I’ve found some great resources - listen to my podcast now to discover my favs & how they can help you.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
How do you want to be remembered? Taking the time to write a life letter is a priceless gift for your loved ones.
Listen now to learn why these letters mean so much & carry on your legacy.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Have you talked to your family about how to handle everything if something happens to one of you? Listen to my latest podcast to learn how to have these conversations & why they matter.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Setting your family up to take over if they need to is critical. That’s why I created the Family CEO Organizer. It puts all your important documents, contacts & info in one place.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Inheritance conversations aren’t fun - but you must have them with your parents & siblings so everyone is protected & wishes are fulfilled. Learn more about these convos in my latest podcast.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Financial products have fees (sigh, nothing is free). You should understand what you are being charged so you can make the best choice possible for you.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Nobody plans to lose their partner young but it happens. In my latest podcast, with a special guest, goes over why early estate planning is so important.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Thinking about buying or renting a cottage? Listen to my podcast to learn the questions to ask before taking the leap so you’re totally prepared & make the choice right for you!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Do you have regular post-tax season meetings with your financial advisor? Listen to my latest podcast to learn why those meetings are so important for your planning.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Inheritances can be life-changing…but also confusing about what to do with it. In my latest podcast episode, I’m breaking down options & things to think about if you’re in this situation.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Wondering when to start drawing on your CPP & old age security? The age you choose matters in terms of income & taxes. You wanna get it right! Listen to my latest podcast for my take!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Time is precious & sometimes it doesn’t hurt to spend a little money so you can get some more of it back. Listen to my podcast now & learn how spending can lead to more time & freedom.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Get the broom out, it’s time for financial spring cleaning. Time to let go of the things that no longer serve you. Spring cleaning feels amazing so listen now & get to it!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Frustrated trying to plan retirement with your partner? It happens. I’m talking about what it’s like when people aren’t on the same page & how to handle it in this podcast.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Is your financial advisor just selling you products & not necessarily giving you the best advice for you? Listen to my podcast to learn the what to look for.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Sometimes your financial planner needs a pink slip. Join financial planner Nicole Putz & I in my latest podcast as we go over what to think about when you need to have that tough talk.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Do you know what to expect from your financial advisor at tax time? It’s actually really important. Listen to this podcast to learn why you need to know what they should deliver.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Often people think of their homes as assets to count as part of retirement planning. And that's not always the case. Listen to my newest podcast to find out why you need to plan smarter.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Tired of decision fatigue when it comes to your finances? Then put your choices on autopilot. Listen to my latest podcast to learn how!
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Do you know the difference between a financial advisor & planner? You should. It impacts your choices. Listen to my latest podcast & make sure you’re got the right person in your corner.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
It’s hard to know when to help your adult children financially, especially in times like this 😟 Listen to my latest podcast episode for guidance on navigating this tricky topic:
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Estate planning isn’t just about who gets your assets when you pass away. It’s also about the legacy you’ve envisioned. listen to my latest podcast & learn how to plan it out.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Estate planning isn’t just for the rich & famous but we can sure learn from them.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
Myths are everywhere and you don’t want them to hurt your retirement planning 🙅 Nicole Putz & I are debunking the ones we hear on the reg in my latest podcast.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
It’s almost a new year, so it’s time to get your end-of-year financials in order. In this podcast I’m going over how to close out 2020 & set up for 2021 success 🏆
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
2020 has been a hard year for all of us & figuring out retirements & pensions in a pandemic is beyond tough. That’s why I sat down to talk pensions 101 in my latest podcast. Listen now.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
We all need to save for retirement & get set up for success. In this post I’m going over 5 common pre-retirement mistakes people make so you avoid them.
If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/
How your financial planner is compensated matters. How does yours get paid? The way a financial professional makes their money may affect the quality of service they give, or the products they encourage you to invest in.
In this podcast, I’m going over the different ways your financial planner might be compensated and what you need to ask before investing, so your retirement plans aren’t unexpectedly thrown off track. Listen to it now so you’re ready to tackle your financial planning. Get full show-notes and links from this episode here: https://astrafinancial.ca/you-cant-do-this-alone
Who is in your money circle? We all need a form of support and information that we can trust. We need safe, expert advice. We want to feel confident with our money. We want to set ourselves up for financial success. In this episode, you’ll learn how to line up your money and retirement support circle—that’s everything and everyone you need on your retirement journey. Get full show-notes and links from this episode here: https://astrafinancial.ca/you-cant-do-this-alone