It's Personal Finance Canada

This week we want to look at how to build wealth, even when you don’t have any to start with. How to get out of survival mode, better understanding cashflow and more.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com  DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week tackle the concept of savings rate and see what rate could be best for you. Plus we talk about how ability, willingness and time are the biggest factors in saving.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/ Useful Resources:T Rowe Price article 1: https://www.troweprice.com/personal-investing/resources/insights/what-adjustments-should-i-make-my-retirement-savings.htmlT Rowe Price article 2: https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-should-you-have-by-now.html

I’m just a strong and independent person that simply does what others tell me. This week we explore the book “Nudge – The Final Edition” by Richard Thaler and Cass Sunstein to see how others are making up our own minds. Learn how to protect your finances from the myriad of voices trying to lure you through sales funnels. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Why read something when you can just misquote it instead. This week we delve into the holy document of the FIRE movement, the Trinity study. What does this famous paper actually say and how has it been misrepresented in the personal finance community. Plus some tips to help you get the most out of the papers actual results. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Useful Resources:The Trinity Study: https://www.aaii.com/files/pdf/6794_retirement-savings-choosing-a-withdrawal-rate-that-is-sustainable.pdf

This week we talk about a popular personal finance book Christine actually liked, “The Ultimate Retirement Guide for 50+” by Suze Orman. We lay out our top 10 favorite parts of this book that you can apply to your own finances.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com  DIY Investing at: https://get.modernadvisor.ca/braun-financial/

This week we talk about the ins and outs of health and life insurance and see how we can pre-pay today to solves tomorrow's problems. What is Disability and Critical illness insurance, the difference between temp and permanent and how you can’t build a robust financial plan without insurance.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we track down some odd but helpful money\ saving tips to help out with your day to day spending. Everything from finding things for free, maximizing your grocery shopping and more.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

I have a bad habit of putting the “pro” in procrastination. This week we talk about “The Procrastination Equation” by Piers Steel and see how procrastination is hurting your finances. Discover useful tips, ways to motivate yourself and how to fix everything with math.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com  DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we take a look at the work of Gary Selnow and see the top reasons people don’t save for retirement. Problems such as lack of instant gratification, no set structure, no accountability and more ways people are sabotaging their retirements, plus some solutions.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.comDIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada Useful Resources:Motivating Retirement Planning: Problems and Solutions byGary Selnow -  https://repository.upenn.edu/server/api/core/bitstreams/4feb056b-e015-4422-9fa9-1efccd633b72/content

This week we find out how to take advantage of the money you got back from the government. What strategy is best depending on your income, how to balance risk and how to spend that found money wisely.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we talk about two common financial advice tips that if not done properly can leave you in a worse position than when you started. That’s right hot topics like borrowing to invest and maximizing your mortgage finally get put to the test.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com  DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we search for joy in the philosophy of Marie Kondo's book "The Life Changing Magic Of Tidying Up" and see how to set our financial house in order. See how organization, finding the true value in things and letting go of what we don’t need (bills don’t apply) can help you.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.comDIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Knock, knock. Who’s there? Later. Later who? “Buy now pay later” that’s who! This week we come face to face with the everyone’s favorite frenemy, consumer debt. We talk about good debt vs bad debt, how to get out of the minimum payment cycle and how to start improving your reliance on credit.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we break down the “Financial Stress Index 2025” published by FP Canada. Get a clear picture of how poorly so many of us are doing and how deep the generational wealth and comfort divide is getting. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/ Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada Useful Resources:FP Canada Financial Stress Index: https://www.fpcanada.ca/2025-financial-stress-index

Who’d a though personal finance is just personal development with budgeting? This week we continue our look at “The Seven Habits Of Highly Effective People” by Stephen R. Covey and see how we can better ourselves and our finances. Find out about win/win vs win/lose, relationship development and best of all a new Cam approved anagram.⁠If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit ⁠⁠braunfinancial.com ⁠DIY Investing at: ⁠https://get.modernadvisor.ca/braun-financial/⁠Keep the conversation going on our Facebook Page and Group: ⁠https://www.facebook.com/itspersonalfinancecanada⁠

This week Christine talks about Stephen Covey’s book “The Seven Habits Of Highly Effective People,” and finds a way to apply it to our personal finances. Find out how circles, squares and private victories can make all the difference in your life.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com  DIY Investing at: https://get.modernadvisor.ca/braun-financial/ Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Excuse me, I believe you have my stapler. This week we help you become a better and hopefully higher paid employee. What do bosses want, how to stand out, and what your true value is. Plus we reveal the greatest tip of all… being competent! If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

When you’re at the top there’s no one left to blame. This week we go over some key concepts to better help you run a small business. Everything from delegation, systems creation and maintaining your sanity. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

If advice is popular that means it’s right… right? This week we tackle 2 popular personal finance myths that might sound like a sure thing, but what works in a book doesn’t always work in reality. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Turns out the secret to happiness is painting Warhammer 40K figures and pretending the rest of the world doesn’t exist. This week we tackle the great existential question of how to find true value in your life. What brings happiness, what truly lasts a lifetime and where we should be spending our money.If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com  DIY Investing at: https://get.modernadvisor.ca/braun-financial/Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada