Finding joy with Mari, starting anew: Recent Episodes
Marianne Agudo
Welcome to "Finding Joy with Mari: Starting Anew," the podcast where we embark on a transformative journey towards self-improvement and empowerment, especially for newcomers or immigrants carving their paths in a new land. I'm your host, Marianne, and together, we'll uncover inspiring tales of resilience and success in business and careers, finding the silver lining in every challenge. Join me as we navigate the intricacies of new beginnings and discover the boundless joy of crafting a fulfilling life in our adopted homeland. Get ready to ignite your passion and embrace the possibilities. Welcome to #NewBeginnings, #Empowerment, and #FindingJoyInCanada - this is our passion project, and you're invited to be a part of it. đ
Summer moves fast - swim lessons, beach trips, gas, and spontaneous ice cream stops! In this episode, we walk through a simple, no-guilt mid-year financial check-in: reviewing cash flow, auditing subscriptions, picking one priority for the second half of the year, and putting your savings on autopilot.
We also tackle the "big decisions" that tend to get put off - insurance reviews, investment goals, and estate planning basics like wills and power of attorney.
đ JOIN US FOR A FREE LUNCH & LEARN WEBINAR!
"Protecting What Matters: Estate Planning Lunch & Learn"
Co-hosted by ClearEstate & Marianne Agudo (Wealth Plan Atlantic)
đ Date: Thursday, August 20, 2026
đ Time: 12:00 PM â 1:00 PM Atlantic Time
đ REGISTER HERE: https://events.teams.microsoft.com/event/7a3e8ac6-c16d-42de-8279-114cfdf781ea@be8cb6fe-42eb-4039-96b9-57eb6cf300aa
What we'll cover:
⢠Why you need a will (even if you think you don't)
⢠What actually happens to your kids if something happens to you
⢠How to plan ahead for medical or financial incapacity
Disclaimer:
This content is for general educational purposes only and does not constitute personalized financial, insurance, legal, or estate planning advice. Please consult a qualified professional regarding your specific situation.
Marianne Agudo is a Financial Security Advisor with Wealth Plan Atlantic, Marianne is a licensed life insurance agent (includes Accident & Sickness) and investment representative in New Brunswick.
If you're planning a big financial goal but keep putting it off, this episode is for you.
In this episode, I break down the 4 most common reasons why people delay important money decisions and how to move past them.
Whether you're starting a side project, investing for the first time, or building financial security as a newcomer to Canada, this episode shows you that action beats perfection every time.
IMPORTANT: This podcast provides general educational information about financial planning in Canada and is not personal financial advice. Your financial decisions should be based on your personal situation, goals, and risk tolerance. Always consult with a qualified financial advisor before making investment or insurance decisions.
About Me: I'm Marianne Agudo, a Financial Security Advisor and Funds Investment Representative in New Brunswick.
I help Canadians - especially newcomers and families - build financial security through life insurance, investments, and tax-efficient planning.
This episode is a little different. For once, I'm not the one asking the questions â my colleague and mentor Greg Keith, CFP, Senior Advisor at Wealth Plan Atlantic, is turning the mic on me.
I talk about growing up in the Philippines, losing my father when I was five, and what that taught me about being prepared for life's "what ifs." I share what it was like immigrating to Canada with my husband, the misconceptions I think people have about immigrants, and how I went from being a self-described shopaholic to starting a blog about frugality that eventually became this podcast.
If you've ever wondered what's behind the mission of Unpacked & Empowered Finances, or why I care so much about financial protection and family security, this episode is the answer.
In this episode:
- Growing up in a tight-knit Filipino family and losing my father at age five
- What that loss taught me about financial preparedness and protection
- Immigrating to Canada and the realities newcomers face that often go unseen
- How a blog about getting out of debt turned into Unpacked & Empowered Finances
- What success actually means to me today
- Why education, not just products, is at the center of how I work with clients
Marianne Agudo is a licensed Financial Security Advisor with Wealth Plan Atlantic Inc., licensed in New Brunswick (FCNB).
This podcast is a gift to my community first. If something here resonates with you, I'd love to hear about it in the comments.
This episode is for general educational and informational purposes only and does not constitute personalized financial, tax, or legal advice. Please consult a licensed professional regarding your individual circumstances.
Have you ever wondered how the Canadian tax system actually works? Why are two incomes sometimes complicated? What's the real difference between a TFSA and RRSP for YOUR situation?
This episode provides educational information on these topics.
Jeff Scammell, Co-Owner of Wealth Plan Atlantic and a financial advisor with 16 years of experience, joins to discuss how the Canadian financial system works and important planning considerations.
We discuss (Educational Overview):
- How the progressive tax system works and why it matters for planning
- Understanding TFSA and RRSP accounts and how they might fit different situations
- What happens when you have multiple income sources
- Why life insurance is part of comprehensive financial planning
- Insurance "living benefits" (disability and critical illness coverage)
- How to automate your savings approach
- What to consider before your first meeting with a financial advisor
Ideal for: People new to Canada, anyone earning multiple incomes, parents managing family finances, and people wanting to understand Canadian financial planning without jargon.
This is educational content designed to increase financial awareness. For personalized financial, tax, or investment advice tailored to your specific situation, consult with a qualified financial advisor, tax professional, or accountant.
DISCLAIMER: This podcast episode is for educational purposes and provides general information about Canadian financial topics. It does not constitute personalized financial, tax, investment, or insurance advice.
All financial, tax, investment, and insurance products are subject to individual circumstances, eligibility, underwriting, and regulatory requirements. What works for one person may not apply to another.
For advice tailored to YOUR specific situation, goals, and circumstances, please consult with a qualified professional: financial advisor, tax professional, accountant, or insurance specialist.
Marianne Agudo is a Licensed Life Insurance Agent and registered mutual funds representative through Quadrus Investment Services Ltd. in New Brunswick only, and a Financial Security Advisor with Wealth Plan Atlantic Inc.
FREE CHECKLIST: Don't have these 5 things in place? Grab our Family Protection Checklistâthe essential roadmap for protecting your family before life surprises you. Reach out to Marianne and we'll send it to you.
Marianne shares 5 practical financial foundations rooted in biblical wisdom and real-life experience last Saturday in celebration of Mother's Day at Full Gospel Assembly,
Topics discussed include:
- Tracking cash flow
- Saving with purpose
- Managing and reducing debt
- Protecting your family through planning
- Creating intentional financial goals
This conversation is especially meaningful for women, mothers, newcomers, and families looking to build financial confidence while stewarding their finances wisely.
Connect with Marianne:
- Instagram: @marianneagudo.podcast
- YouTube: Unpacked & Empowered Finances
Disclaimer: This podcast/content is intended for educational and informational purposes only and should not be considered financial, legal, tax, or investment advice. Individual situations vary. Please consult a qualified professional before making financial decisions.
In this episode of Unpacked and Empowered Finances, we break down one of the most overlooked areas of financial planning: disability insurance. Most families in New Brunswick and across Canada assume they are already covered through Employment Insurance, Workers Compensation, or an employer benefit plan. The reality is that each of these programs has significant limitations. We walk through each one clearly so you can understand exactly what you have, what you do not, and what that gap could cost your family.
WHAT YOU WILL LEARN:
-
Why the ability to earn an income is your most important financial asset
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Why 68 percent of Canadians would face financial hardship within three months of a disability
-
The specific limitations of EI sickness benefits, WorkSafeNB, and CPP Disability
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The two hidden risks in employer group disability plans (portability and taxes)
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How a personal disability insurance policy provides tax-free, portable income protection
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Key policy terms explained without jargon: waiting period, benefit period, and disability definitions
-
Four riders that can customize a policy to your stage of life
This episode is educational in nature. No specific products are recommended. The goal is to give you the vocabulary and understanding to have an informed conversation with a licensed advisor.
ABOUT YOUR HOST: Marianne Agudo is a licensed life insurance agent (including accident and sickness insurance) in New Brunswick. Insurance products are distributed through Financial Horizons Group. Marianne is also a mutual funds investments representative registered through Quadrus Investment Services Ltd.
What if starting over in Canada became the beginning of your strongest season yet? In this episode of Unpacked & Empowered Finances, Marianne Agudo speaks with Samantha Paz y Mino, an Ecuadorian educator and newcomer to Canada, about courage, confidence, community, and rebuilding life in a new country.
Samantha shares her journey of leaving Ecuador, adjusting to life in Canada, preserving language and identity, and learning how proactive networking and personal growth helped her thrive. This conversation is especially meaningful for newcomers, immigrants, parents, and anyone navigating change.
đĽ Samantha's 2025 Disrupt HR video: https://vimeo.com/showcase/11765995?video=1095766076 đ Samantha on LinkedIn: https://www.linkedin.com/in/samanthapazymino/?locale=en
Hosted by Marianne Agudo, financial security advisor and creator of Unpacked & Empowered Finances. Follow her on Instagram @marianneagudo.podcast and visit https://marianneagudo.com
In this episode of Unpacked & Empowered Finances with Marianne Agudo, we break down critical illness insurance and how it can help protect your finances during a serious health diagnosis. Learn the basics of coverage, common conditions, how benefits may be used, and why planning ahead matters for you and your family.
Follow Marianne on Instagram: @marianneagudo.podcast
Disclaimer: This episode is for general information and educational purposes only and is not personalized financial, insurance, legal, tax, or investment advice. Coverage, benefits, exclusions, and policy terms vary by insurer and contract. Please consult a licensed insurance professional before making any decisions.
Moving to Canada and building a life from scratch is an incredible journey, but it comes with unique financial responsibilities. If the unexpected happened tomorrow, would your family's dreamsâlike that first home or your children's educationâstay protected?
In this episode of Unpacked & Empowered Finances, Marianne Agudo breaks down the complexities of the Canadian life insurance landscape. We move past the jargon to explore how you can build a safety net that fits your budget today while protecting your legacy for tomorrow.
What we unpack in this episode:
- Life Insurance as Risk Transfer: Moving the "what if" from your family's shoulders to the insurer.
- Term Insurance: Practical, budget-friendly protection for specific "seasons" like mortgage years.
- Permanent Insurance: Exploring Whole Life vs. Universal Life for needs that never go away.
- The Layering Strategy: Why it's not "one vs. the other" and how to layer coverage to save money.
- The Truth About Cash Value: How policy reserves actually work and what you need to know about policy loans.
- Essential Riders: Customizing your plan with Waiver of Premium and Guaranteed Insurability.
Ready to see what fits your budget?
Estimate your needs and get a general idea of costs using my online tool:
đ app.marianneagudo.com
Work with Marianne:
Building a plan that aligns with your specific goals matters more than what your neighbor has. If you are in New Brunswick or Ontario, I would love to help you unpack your options.
Licensing: Marianne Agudo is a Licensed Life Insurance Broker licensed to serve clients in New Brunswick and Ontario only.
Not Financial Advice: This video is for educational purposes and provides general information. Insurance needs are highly individual; always consult with a licensed professional before making a decision.
#NewCanadians #CanadianFinances #LifeInsuranceCanada #FinancialSafetyNet #NewBrunswick #Ontario #UnpackedAndEmpowered
Marianne Agudo hosts 'The Unpacked and Empowered Finances' podcast, in which she simplifies financial management and personal development. In this episode, Marianne discusses why attempting to tackle all financial goals at once can lead to stagnation and overwhelm. She introduces the 'priority pyramid' to help listeners focus on one financial goal at a time, starting with cash flow, moving to protection, and finally growth and investing. Marianne emphasizes the importance of clarity and strategic focus to create momentum and confidence in financial planning. She encourages listeners to adjust their strategies when goals aren't met, viewing setbacks as opportunities for better decision-making.
00:00 Introduction to The Unpacked and Empowered Finances
00:22 The Challenge of Financial Goals
01:45 Understanding the Priority Pyramid
03:48 Practical Steps to Financial Focus
04:42 Conclusion and Next Steps
Watch the Episode on The Pyramid of Financial Priorities
Follow Marianne on Instagram @marianneagudo.podcast
Discover the Essentials of Financial Planning with Murray Tucker of Wealth Plan Atlantic
In this episode of Unpacked and Empowered Finances, host Marianne welcomes Murray Tucker, co-owner of Wealth Plan Atlantic and a seasoned wealth management advisor with over 13 years of experience. They discuss the fundamentals of financial planning, particularly for beginners or those restarting their financial journey. The episode aims to break the misconception that financial planning is only for the wealthy, emphasizing the importance of starting early and regularly updating your financial plan. Murray explains the essential components of a financial plan, the common triggers that drive individuals to seek financial advice, and the importance of personalized, unbiased financial guidance tailored to individual goals and life changes.
Connect with Marianne:
Instagram: Marianne Agudo IG Podcast
Website: https://marianneagudo.com/home/
:first-child]:mt-0"> Welcome to another empowering episode of Unpacked & Empowered Finances* with your host Marianne Agudo! Today, we go beyond the numbers with Greg Keith, Certified Financial Planner at Keith Wealth Management and Wealth Plan Atlantic. Greg brings over 20 years of experience simplifying complex finance topics to help peopleâfrom newcomers and fresh graduates to those nearing retirementâbuild confidence and momentum in their financial journey.
In this episode, Greg unpacks essential topics for beginners:
- Where to start investing your first paycheck â TFSA, RRSP, FHSA?
- Paying off debt vs. investing â what should be your priority?
- Understanding the "comfort number" and how to plan a steady retirement income.
- Canadian safety nets: CPP and OAS explained for newcomers.
- Benefits of working with an independent financial advisor versus a big bank.
- The Visual Wealth Project: making finances less intimidating with simple language and visuals.
- Greg's actionable advice to secure your financial future, starting today.
If you're new to Canadian finance or looking for a fresh perspective on retirement planning, this conversation is packed with relatable insights and practical tips to empower your financial decisions.
Be sure to share this episode with friends and family who want to unpack their finances and gain clarity on their financial future.
Connect with Me: * Instagram: https://www.instagram.com/marianneagudo.podcast/ * Website: https://marianneagudo.com/home/
Buying your first home in Canada? Don't start the process without hearing this vital advice.
We sit down with Helena McDermott, a seasoned realtor with the Evolve Real Estate Team (Keller Williams), who has nine years of experience and a strong focus on working with newcomers, including those through the Multicultural Association.
Helena tackles the most common and costly mistakes, breaks down the home buying process, and shares strategies for a competitive market.
What You'll Learn: * Temporary Status vs. PR: Can you buy a home in Canada without permanent residency (PR)? Helena clarifies this common misconception and discusses programs that allow purchase with as little as 5% down. * The Biggest Financial Mistake: Why forgetting about closing costsâan extra 2-4% for things like the Land Transfer Tax, legal fees, and inspectionsâis the most expensive mistake first-time buyers make. * Neighborhood Vetting: Tips for new Canadians on how to properly check if a neighborhood is safe, friendly, and close to essential amenities, including visiting at different times of the day. * Inspections and Negotiation: What are the most important systems to check (electrical, roof, foundation, heating, plumbing)? Learn how the home inspection process works after an offer is accepted and how to use the findings to negotiate. * Bidding War Strategy: How to navigate a competitive market using strategies like the escalation clause and why flexibility on closing or a personal "love letter" can sometimes matter more than price. * Helena's Key Advice: The importance of patience and having the right professionals in your corner for what is "a marathon, not a race".
Connect with Helena McDermott * Team Name: Evolve Real Estate Team * Facebook: https://www.facebook.com/HelenaMcDermottRealtor/ * Website: https://evolverealestateteam.ca/Team/helena-mcdermott-nb-realtor/
Disclaimer: Real estate rules, including the foreign buying ban, are always changing. The information discussed is for general educational purposes only. Always consult a lawyer and a mortgage specialist for advice specific to your financial and immigration situation.
Connect with the Marianne Instagram: https://www.instagram.com/marianneagudo.podcast/
Website: https://marianneagudo.com/home/
Book a chat with me - https://calendar.app.google/EemnAPnybhNHJ5rx8
⢠Spotify: https://open.spotify.com/show/1XQzilBILtnTLC7cdmEbQ6
⢠Apple Podcasts: https://podcasts.apple.com/us/podcast/unpacked-empowered-podcast-by-marianne-agudo/id1654829784
⢠YouTube: https://youtube.com/playlist?list=PLudVAWzLJP1dX0-YQyEqzazBya9g1ZB9z&si=u411RzWYqn8ZqEBc
What does it take to navigate a new country's financial system while raising a family and building a business from your passion? In this episode, host Marianne Agudo talks with Ajoke Adejumo-Isiuwe, founder of ChopsHaven Ltd., a new African cuisine restaurant in Saint John, NB. Ajoke shares her powerful journey of moving from Nigeria to Canada, facing unexpected financial hurdles, and the strategies she used to transition from a full-time employee to a full-time restaurant owner. This conversation is packed with wisdom on the importance of a support system, overcoming financial mistakes, and the mindset required to turn a dream into a reality.
About Our Guest: Ajoke Adejumo-Isiuwe is the Founder and CEO of ChopsHaven Ltd.. She moved to Canada from Nigeria in 2014 as a student and has since built a life in Saint John with her husband and daughter. Her passion for cooking, which started as a home-based business during the pandemic, has now blossomed into a full-service restaurant serving the community.
In this episode, we discuss:
- Ajoke's immigration journey and the initial culture shock of moving to Canada.
- The key differences between Nigeria's cash-based financial system and Canada's credit-based system.
- Learning from costly financial mistakes as a newcomer, like an unexpected $700 phone bill from international calls.
- How she leveraged word-of-mouth and returning customers to grow her home business during the pandemic.
- The critical role her husband and friends played as a support system, helping with everything from deliveries to administrative tasks.
- Advice for newcomers and aspiring entrepreneurs on building a business, the power of community, and overcoming imposter syndrome.
Resources Mentioned:
- ChopsHaven Ltd.: Saint John's new destination for African cuisine.
- DYTO IT Consult: Branding consulting business run by Ajoke's friend in Lethbridge.
Connect with Ajoke & ChopsHaven:
- Follow on Social Media: https://www.instagram.com/chopshaven/
- Website: https://chopshaven.ca/[Insert ChopsHaven Website/Social Media Links]
Connect with your host, Marianne Agudo:
- Instagram: https://www.instagram.com/marianneagudo.podcast/
- Website: https://marianneagudo.com/home/
If you enjoyed this episode, please leave a review and subscribe to the Unpacked & Empowered Finances Podcast on your favorite platform!
New to Adulting? New to Canada? Essential Shopping Tips That Actually Help You Spend Less (From Someone Who's Been in Canada 26 Years)
Join host Marianne Agudo as she chats with Song Kim, a 26-year Canadian resident who shares practical shopping strategies that actually work! Perfect for newcomers to Canada and anyone learning to adult on a budget.
What You'll Learn: â Essential shopping apps - Flipp & Reebee for finding the best deals â Price matching secrets - Which stores still do it (hint: not Walmart anymore!) â Costco "007" code system - .99 vs .97 vs .00 pricing meanings â Rain check strategy - Get sale prices even when items are sold out â Seasonal shopping tips - When rice goes on sale (seriously!) â The Water Pump Philosophy - Why giving leads to receiving more
Featured Guest: Song Kim - Volunteer coordinator, community leader, and founder of Women Walkers & Hikers Club in Saint John, NB. 26 years of Canadian experience helping newcomers navigate life and finances.
đĄ Perfect for: New Canadians, young adults, budget-conscious shoppers, anyone wanting to spend less on everyday items
#FinancialTips #NewToCanada #BudgetTips #ShoppingHacks #MoneyTips #Immigration #Adulting
Resources Mentioned * Apps: Flipp, Reebee, Rakuten, Save.ca, Checkout 51 * Stores for price matching: No Frills, Giant Tiger * Best practices: Costco membership benefits and policies * Community involvement: Local volunteer opportunities
Connect With Song Kim Song Kim volunteers in the Saint John, New Brunswick area and leads the Women Walkers and Hikers Club. She regularly conducts financial literacy workshops focused on practical money-saving strategies for newcomers and families.
About Unpacked & Empowered Finances Hosted by Marianne Agudo, this podcast focuses on practical financial advice and empowerment stories, particularly for newcomers and young adults navigating financial independence.
Subscribe and Share: Help more people discover these practical tips by subscribing and sharing with friends who could benefit from this advice.
Tired of budgeting stress? Host Marianne Agudo dives deep into the most popular viral money-saving challenges flooding social media and reveals which ones can actually help Canadian families save money without the burnout.
In This Episode:
The Reality Check (03:00)
- Why the average Canadian household spends more than they earn
- Breaking down the $6,395 monthly spending vs $6,183 income gap
- How inflation affects family budgeting strategies
4 Core Principles for Stress-Free Budgeting (01:00)
- Mindset shift: From "budget" to "spending plan"
- Simplicity is key
- Build in flexibility and fun money
- Automate savings and bills
Viral Money Challenges Tested (07:00)
- Cash Envelope Budgeting: Does physical cash really change spending behavior?
- 100 Envelope Challenge: Save $5,000 in 100 days (and why it might stress you out)
- Loud Budgeting: The power of openly aligning spending with goals
- No-Buy vs Low-Buy Challenges: Finding sustainable approaches
- Pantry/Refrigerator Challenge: Shopping what you already have
- Cash-Only Weekends: Mindful spending in action
- Last Digit Challenge: Micro-saving made simple
- Secondhand First Rule: Sustainable and budget-friendly shopping
Key Insights:
- The difference between cash flow (reality) and budget (plan)
- Why treating savings as a bill helps build wealth
- How to identify spending triggers through challenges
- Creating flexibility in your financial plan
Perfect For: New Canadians, families managing inflation, anyone seeking sustainable budgeting approaches
Marianne's Website: https://marianneagudo.com/home/
My IG: https://instagram.com/marianneagudo.podcast
Are your work benefits really enough to protect your family? đ¤
In this episode of Unpacked & Empowered + Finances Podcast, we unpack what employer insurance usually coversâand why relying only on it could leave your loved ones unprotected.
Youâll discover:
- Whatâs typically included in employer insurance packages
- The hidden gaps families donât always see
- Why personal insurance can give you lasting protectionâeven when you change jobs
- How to start thinking about coverage that grows with you
Whether youâre a young parent, newcomer, or building your career in Canada, this episode will help you feel more confident about protecting your familyâs financial future.
âď¸ Disclaimer: I am a licensed insurance advisor in New Brunswick and Ontario. This episode is for educational purposes only and should not be taken as personalized financial advice. Please consult with a licensed professional for recommendations based on your situation.
Connect with Me:
Instagram: @marianneagudo.podcast Website: https://marianneagudo.com/home/
Book a chat with me: https://calendar.app.google/AeRw1FCf5ntJzj3p9
Life loves throwing curveballs â car breakdowns, job losses, family emergencies that need immediate financial help. If you've ever laid awake worrying about "what if," this episode is for you.
In this practical, no-judgment episode, we dive deep into building an emergency fund that actually works for YOUR life â especially if you're a newcomer to Canada, supporting family in multiple places, or just trying to break the cycle of living paycheck to paycheck.
What You'll Learn:
⢠What an emergency fund really is (and what it's NOT)
⢠The 5 Whys method to understand your money behaviors
⢠Why your "why" matters more than the dollar amount
⢠Real challenges for newcomers and breadwinners
⢠How to start with just $5-10 per week ⢠Where to keep your emergency fund for easy access
⢠When to use it (and when NOT to touch it)
⢠How having an emergency fund makes you BETTER at helping family
Key Takeaways:
- Start small: Even $500 can cover most small emergencies
- Use the 5 Whys method to understand spending triggers
- Having financial stability helps you support others from strength, not desperation
- Automate your savings to remove temptation
- Your childhood money patterns affect your adult financial habits
Ready to Start Building Your Emergency Fund? If you're ready to take control of your financial future and want personalized help setting up your emergency fund through a high-interest savings account, I'm here to help!
đ§ Contact me: hello@marianneagudo.com đ Website: marianneagudo.com đą Instagram: @marianneagudo
I'm licensed to provide financial services in Ontario and New Brunswick.
Important Disclaimer: The information provided in this podcast is for educational purposes only and should not be considered as financial advice. Everyone's financial situation is unique, and you should consult with a qualified financial professional before making any financial decisions. I am licensed to provide financial services in Ontario and New Brunswick only. Past performance does not guarantee future results.
Did this episode help you? Share it with someone who needs to hear it! Leave a review on Apple Podcasts or Spotify â it helps more people find practical financial advice that actually works for real life.
Connect with me:
- Blog: marianneagudo.com
- Instagram: @marianneagudo
- Email: connect@marianneagudo.com
#EmergencyFund #NewcomersCanada #MillennialMoney #TFSA #FinancialLiteracy
Meet Susan Sholly, who transformed her newcomer experience into entrepreneurial success. From arriving in Canada as a student to launching DeepSync Labs, an AI startup in Saint John, New Brunswick, Susan shares the real story behind her journey.
In this episode, Susan discusses:
- Her financial reality as a newcomer to Canada
- Building credit and navigating banking as an immigrant
- The transition from Financial Analyst at Irving Oil to startup founder
- Launching an AI company in August 2024
- Practical advice for newcomers considering entrepreneurship
- Opportunities at DeepSync Labs for volunteers and partners
Susan brings a unique perspective as a multilingual professional (she speaks 5 languages) with an MBA and business analytics background who chose to build her startup in Atlantic Canada.
Whether you're a newcomer exploring your options or someone interested in AI innovation, Susan's insights and authentic journey offer valuable perspectives on building financial independence through entrepreneurship.
Connect with Susan: Visit deepsynclabs.org for volunteer and partnership opportunities.
Connect with Me: Instagram: @marianneagudo.podcast Website: https://marianneagudo.com/home/
Book a discovery call
Disclaimer: This podcast is for educational and entertainment purposes only. Content shared is not financial advice. Please consult qualified financial professionals for your specific situation.
If you've ever felt completely overwhelmed trying to figure out money in a new country, this episode is for you.
Seven years ago, I arrived in Canada with barely $1000 to my name. The grocery store tax situation alone nearly sent me into a panic, but here's what I learned: starting over financially isn't really about the money in your bank accountâit's about the mental barriers that keep us stuck.
In this episode, I'm sharing my personal journey and the four mental blocks that nearly derailed our financial progress, plus the mindset shifts that changed everything for our family.
You'll discover:
- Why the comparison trap is stealing your financial confidence
- How information overwhelm creates analysis paralysis
- The hidden ways scarcity mindset sabotages your progress
- Why cultural system shock affects more than just banking
- One clear action step you can take today to break free
Whether you're a newcomer like I was, making a major life change, or just tired of feeling overwhelmed about money, this episode will help you understand why fresh starts feel so hardâand how to move forward anyway.
Remember: You're not behind, you're not broken, and your fresh start is actually your greatest advantage.
This episode contains general educational information based on personal experience and does not constitute financial advice. Please consult qualified professionals for personalized guidance.
Have a question or want to share your financial fresh start story?
đ§ Email: connect@marianneagudo.com đą Social: @marianneagudo.podcast đď¸ More episodes: https://marianneagudo.com
Which of the four mental barriers hit closest to home? Share your thoughts and let's normalize the real struggles of starting over financially.
Your story might be exactly what another listener needs to hear today.
Enjoying the show? Leave a 5-star review and tell other newcomers what you learned! Your review helps other people find this content when they need it most.
Are you new to life insurance in Canada? Wondering what term life insurance means â and whether it's right for your family? In this episode, licensed Life, Accident & Sickness Insurance Advisor Marianne Agudo breaks down term life insurance in simple, everyday language. Learn how term insurance works, what ârenewableâ and âconvertibleâ options really mean, and why this type of coverage might make sense for families who are still building their financial foundation â especially if youâre a newcomer to Canada.
đĄ Designed for newcomer families, parents, and early-career professionals, this episode is clear, beginner-friendly, and full of real-life examples you can relate to.
đ Topics Covered:
What is term life insurance?
Whatâs the difference between term and permanent insurance?
Understanding renewable and convertible options
Why many families choose term insurance over permanent
đ Disclaimer: This material is for educational purposes only and is not intended to provide specific financial, legal, insurance, or tax advice. Marianne Agudo is a licensed Life, Accident & Sickness Insurance Advisor in the provinces of New Brunswick and Ontario, contracted with iA Financial Group. This guide was independently created by Marianne Agudo and is not an official publication of iA Financial Group. For personalized recommendations, please schedule a one-on-one consultation with a licensed advisor.
đŠ Want to Learn More or Ask a Question?
Visit https://marianneagudo.com to book a no-obligation, educational call or send a message. Iâm happy to answer your questions and help you understand your insurance options â no pressure, no jargon.
đ Subscribe to the podcast and follow for future episodes about finances, insurance, and life in Canada â especially created for immigrant families looking to build a secure future.
#TermLifeInsurance #LifeInsuranceCanada #UnpackedAndEmpowered #NewcomerFinances #FilipinoInCanada #FinancialSecurityCanada
In this episode of Unpacked & Empowered, host Marianne Agudo (licensed life, accident, and sickness insurance advisor in New Brunswick and Ontario) shares a clear, practical breakdown of the Financial Pyramidâa helpful way to understand what to prioritize when rebuilding or starting over financially in Canada.
Topics covered include:
- Non-controllable vs. controllable financial risks
- Building an emergency fund
- Paying down high-interest debt
- Protecting your assets through insurance
- Saving for education, retirement, and life goals
- Long-term planning and investment readiness
- How Maslowâs Hierarchy of Needs helps explain why financial order matters
This episode is ideal for newcomers, young families, and early-career professionals looking to build financial confidence one layer at a time.
Important: This episode is for educational purposes only and is not intended as personal financial advice. For guidance tailored to your situation, please consult a licensed professional.
Book a chat with me: Set a meeting here
Marianne @ iA Financial Group
https://marianneagudo.com/home/
Before you build your budget, savings plan, or buy insuranceâask yourself: What is your life really built on? In this short episode, I explore the Biblical foundation for financial stewardship and how you can realign your goals with Godâs purpose for your life, especially during a mid-year reset.
What Youâll Learn:
- The true meaning of stewardship based on Matthew 6:19â21 and 6:33 (NLT)
- Why trusting God is key to peace of mindâeven in financial decision
- The role of financial tools like life insurance and savings in planning wisely
- How to reset and refocus on your 2025 goalsâspiritually and practically
Connect with Me: Instagram: @marianneagudo.podcast Website: https://marianneagudo.com
Book a discovery call
Disclaimer: This episode is for educational and inspirational purposes only and does not constitute financial, legal, or spiritual advice. All financial strategies and product mentions are general and not personalized recommendations. Please consult a licensed financial professional before making any decisions. I am a licensed life insurance advisor in New Brunswick and Ontario (including accident and sickness insurance).
What should newcomers to Canada really know about financial planning?
In this episode of Unpacked & Empowered Finances, I interview Jim Chamberlain, a licensed Personal Financial Planner (PFPÂŽ), to unpack practical insights that can help newcomers and young families build a stable financial future.
Whether you're just starting your career, navigating life as a newcomer, or simply want to be more intentional with your money, Jim offers insights drawn from decades of experience. We talk about:
- The value of holistic financial planning
- Common money mistakes to avoid
- How to align your finances with your goals
- Why working with a financial professional makes a difference
Iâm Marianne Agudo, a licensed life, accident & sickness insurance advisor in Ontario and New Brunswick, and I created this podcast to help everyday people take control of their financesâwithout the pressure.
More episodes and information: https://marianneagudo.com Connect with Jim: https://www.linkedin.com/in/william-jim-edward-james-chamberlain/
Disclaimer: This content is for informational purposes only and does not constitute financial, legal, or investment advice. The views shared are those of the guest and host. Please consult a licensed financial professional for advice tailored to your situation.
Tags: #FinancialPlanning #NewcomerFinance #MoneyTalksCanada #JimChamberlain #UnpackedAndEmpowered #LifeInsuranceCanada #FinancialWellness #PFP
Feeling stuck in your job search or wondering how to start over in a new country? In this solo episode of Unpacked & Empowered + Finances, I share my biggest takeaways from the recent Womenâs Career Expoâgeared especially toward newcomers and women trying to establish or rebuild their careers in Canada. As a life insurance advisor and immigrant myself, Iâve seen how having the right career path can open doors to both personal growth and financial stability. The expo was filled with stories, strategies, and inspirationâso Iâm passing a few of those gems along to you today. đŠâđź Letâs talk about how employment is more than just a paycheckâitâs a key part of building your foundation here in Canada. â đ This content is for informational purposes only and should not be considered financial advice. For personal financial guidance, consult a licensed professional. I am licensed in New Brunswick and Ontario as a life, accident, and sickness insurance advisor. đ§ Donât forget to subscribe for more episodes on navigating life and finances as a newcomer in Canada. #UnpackedAndEmpowered #NewcomerSupport #WomenInCanada #CareerExpoTakeaways #LifeInsuranceAdvisor #FinancialSecurity #LifeInCanada #MarianneAgudo
Connect with me:
Marianne's website
www.ia.ca/marianne.agudo
IG @marianneagudo.podcast
Welcome to the Unpacked & Empowered + Finances Podcastâa space created for newcomers to Canada who are starting over and want to build a life of clarity, stability, and purpose.
In this short solo episode, Iâm sharing why I decided to rebrand from Finding Joy with Less and what this shift means for the podcast moving forward.
As a licensed life insurance advisor and a newcomer myself, I understand how overwhelming it can be to navigate finances in a new country. Thatâs why Iâm sharing 4 simple, foundational steps that helped me feel more in controlâand might help you too.
đ§ In this episode, youâll hear:
- Why I changed the podcast name and direction
- A bit of my story as a newcomer to Canada
-
4 key areas to focus on when starting your financial journey
- Know your cash flow
- Build healthy credit habits
- Understand how to protect your income
- Start saving with purpose
If youâre feeling unsure, overwhelmed, or just ready to take a step forwardâyouâre in the right place. This podcast is here to empower, not overwhelm.
đď¸ Listen to more episodes at đ https://marianneagudo.com
đ˛ Letâs connect: Instagram: @marianneagudo.podcast
â ď¸ Disclaimer: This podcast is for informational purposes only and does not provide financial, investment, or insurance advice. For personalized guidance, please consult with a licensed advisor. Marianne Agudo is licensed in life, accident, and sickness insurance (including segregated funds) in New Brunswick and Ontario, Canada.
Unpacked & Empowered + Finances Podcast
Episode: Thriving as a Newcomer & Digital Entrepreneur with Maria of Crystal Reece Media Ltd.
In this inspiring episode, host Marianne Agudo sits down with Maria Tofowomo, a seasoned digital marketing expert and founder of Crystal Reece Media Ltd., to talk about balancing a full-time job, launching a business, and empowering minority-owned small businesses in Canada.
Mariaâs Story Highlights:
⢠Over 15 years of experience in digital marketing across industries including Tech, Consumer Services, and Fortune 500 companies
⢠Founder of Crystal Reece Media, a New Brunswick-based business supporting underrepresented entrepreneurs with cost-effective, high-impact strategies
⢠Author of Metabolism Reset, a wellness book inspired by her own health journey
⢠MBA graduate (University of New Brunswick), Certified Scrum Master, and faith-driven community leader
⢠Proficient in Salesforce, Google Analytics, HubSpot, and more
In this episode, we explore:
⢠Mariaâs journey as a newcomer and how she built her career in Canada
⢠How she started her business while maintaining a full-time job
⢠Financial and personal development lessons for immigrants and aspiring business owners
⢠Practical advice on growing and marketing your business with limited resources
⢠The power of community, faith, and perseverance
Whether youâre new to Canada, building a business, or looking for encouragement in your personal growth journey, this episode is packed with relatable insights and motivation.
Connect with Maria: Instagram: / crystal_reecemedia
Website: https://crystalreecemedia.com
Connect with Marianne: Instagram: / marianneagudo.podcast
Website: www.marianneagudo.com
About the Host: Marianne Agudo is a licensed life, accident & sickness insurance agent in Saint John, New Brunswick. Through this podcast, she shares educational content, real stories, and expert conversations to support newcomers and families on their personal and financial growth journeys.
Disclaimer: This podcast is for educational and informational purposes only and is not a substitute for professional financial advice.
#UnpackedAndEmpowered #NewcomerSuccess #DigitalMarketing #WomenInBusiness #FinancialEmpowerment #SmallBusinessCanada #CrystalReeceMedia #ImmigrantStories #PersonalGrowth #PodcastCanada
In this episode of Unpacked & Empowered + Finances, we sit down with Clariza Bergeron, Co-Owner and Director of Operations at Bergeron Immigration Limited. As the President of the Filipino Association of New Brunswick in Saint John, Clariza is deeply involved in supporting newcomers as they build their new lives in Canada. Clariza shares her personal journey of moving to Canada and navigating the challenges of transitioning from an operating room nurse to a thriving entrepreneur. She opens up about the struggles, triumphs, and financial lessons learned along the wayâoffering invaluable insights for immigrants seeking to reinvent themselves while securing financial stability. If youâre an immigrant or someone facing a major life or career transition, this episode is packed with practical wisdom and empowering advice to help you take control of your future. Tune in and get inspired to create the life you envision!
In this episode, Marianne interviews Marjorie Frenette, a counselling therapist, to explore the connection between mental health and self-improvement. Discover how prioritizing mental health can positively impact your daily life, relationships, and personal growth. Learn practical strategies for managing stress, overcoming challenges, and cultivating a positive mindset.
Learn more about Marjorie via her website: www.marjoriefrenette.com
Visit my podcast blog: www.findingjoywithless.com
đď¸ Finding My Voice đď¸
Join me on a journey of self-discovery as I share how Toastmasters will help me unlock my potential and become a confident speaker. From nerves to empowerment, every meeting brings new insights and opportunities for growth. đ #Toastmasters #ConfidenceBuilding
Check out the blog: https://marianneagudo.com/embracing-growth-my-journey-with-toastmasters-and-networking-events/
Connect with me on IG: @findingjoywithmari
SHOW NOTES:
Are you struggling to stay present and focused while juggling the demands of work and family life? Learn how being mindful can help you achieve your goals and find joy in the present moment. In this episode, I will share how mindfulness helps us find joy amid a busy schedule. Drawing on a recent sermon by my pastor, we'll explore the power of our thoughts and how they shape our reality. We'll discuss practical tips for incorporating mindfulness into daily life, including setting aside time to meditate, focusing on new thoughts, and being mindful of our internal dialogue. Join us as we share our journey toward self-improvement and financial freedom by cultivating a positive and uplifting mindset.
To view the entire post, go to this link: Finding Joy with Less Podcast Episode 9
Check out Digital Joy for Less - Printables for you and your family
Buy What's Wrong with my Skin? Author: Marjorie Frenette
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Follow me on Instagram: @findingjoywithless
Facebook Page: Finding Joy with Less
Website: www.findingjoywithless.com
Welcome to this episode of personal finance and frugal living tips for immigrants! In this episode, I'm sharing 12 strategies for managing your finances as an immigrant. Take advantage of these valuable tips and tricks that will help you get back control of your money! Tune in now and start taking charge of your finances today!
To view show notes, go to this link: Finding Joy with Less Podcast Episode 8
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Follow me on Instagram: @findingjoywithless
Facebook Page: Finding Joy with Less
Website: www.findingjoywithless.com
In this video, Episode 7 of the podcast, I interview my sister, Elly, about healthy relationship habits. She is a Filipina married to Jason, and they are based in the US with different backgrounds and cultures. Their marriage has been going strong for 18 years. We discuss what it takes to have a successful and fulfilling relationship with yourself and your partner. Elly shares insights on building trust, communication techniques during conflict resolution, and ways to show appreciation for your significant other. Our conversation is filled with practical tips applicable to any relationship. Watch this video and learn how to take your relationships to the next level!
Read more on my insights about How To Improve Your Relationship With Your Spouse, where I talk about 27 Ways to become a better spouse and improve your marriage and how to Know each otherâs love languages.
Click here for full Episode 7 Show notes. Listen to other episodes here.
Please like and subscribe and share it with your friends on social media.
Follow me on Instagram: @findingjoywithless
Facebook Page: Finding Joy with Less
Feeling like giving up on a goal or task? Listen to this short episode and get the encouragement and faith you need to keep going!
Please like and subscribe and share it with your friends on social media.
Follow me on Instagram:Â @findingjoywithless
Facebook Page:Â Finding Joy with Less
Website:Â www.findingjoywithless.com
The power of positive parenting! This week's podcast focuses on navigating through raising children and ensuring they are heading in the right direction with 22 effective parenting habits to live by. Tune in to learn more!
To view show notes, go to this link: Finding Joy with Less Podcast Episode 5
Please like and subscribe and share it with your friends on social media.
Follow me on Instagram: @findingjoywithless
Facebook Page: Finding Joy with Less
Website: www.findingjoywithless.com
In this episode, we will explore how we can develop healthy self-improvement habits to appreciate life better.
To view show notes, go to this link: Finding Joy with Less Podcast Episode 4
Please like and subscribe and share it with your friends on social media.
Follow me on Instagram: @findingjoywithless
Facebook Page: Finding Joy with Less
Website: www.findingjoywithless.com
Wealth is an incredibly diverse concept, and it can mean different things to different people. Unlocking hidden riches requires a certain level of self-awareness. In this episode, we'll look at some of the most critical factors contributing to happiness and well-being. What areas of your life do you consider yourself to be rich in? You may be richer than you think.
To view show notes, go to this link: Finding Joy with Less Podcast Episode 3
Please like and subscribe and share it with your friends on social media.
Follow me on Instagram: @findingjoywithless
Facebook Page: Finding Joy with Less
Website: www.findingjoywithless.com
Follow me on Instagram: @findingjoywithless
Facebook Page: Finding Joy with Less
Website: www.findingjoywithless.com
With 2022 almost behind us, now is the perfect time to start your year-end gratitude log and look forward to a brighter 2023. Keeping a gratitude log can help us take note of the 6 pillars of wealth in our lives and be more mindful of what we are thankful for.
Reflecting on the past year and taking the time to make a gratitude log can be an incredibly meaningful activity.
To view show notes, go to this link: Finding Joy with Less Podcast Episode 2
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This first episode will give you a brief overview of what to expect from this podcast. And, because it is my birthday month, I am feeling generous! So please stay tuned to the end, and I will tell you what I am giving away to one subscriber this Christmas. Follow me on Instagram @findingjoywithless
To view show notes, go to Finding Joy with Less Website
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