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Helping you understand , budgeting, investing, insurance and all things personal finance from a uniquely Canadian perspective. Featuring Christine Conway, a Certified Financial Planner, author and owner of Braun Financial. Along with her husband Cameron Conway, an author in his own right whose trying to better understand this wide world of personal finance. *This is for entertainment purposes only, please consult a local certified financial planner to assist you in developing your financial ...
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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 braunfi…
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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…
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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, O…
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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, …
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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 …
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The “Seven Habits” and Personal Finance Part 2
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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 i…
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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 tak…
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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 …
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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 b…
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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 braunfinanc…
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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, Sas…
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I’m getting too old for this… or am I? This week we talk about why people struggle to start their retirement. Concerns about the markets, what to do with their time or just the apprehension that always come right before a major life change. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care …
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Wait if it's balanced shouldn’t it be 50/50? This week we peel back the mystery of the 60/40 “Balanced” portfolio and find out not only why they’re so common but how they are built. Lean about the nuances of fixed income, what to look for in the equity side and how its all blended together. If you live in British Columbia, Alberta, Saskatchewan, Ma…
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Being rational is overrated. This week we review “Predictably Irrational: The Hidden Forces That Shape Our Decisions” by Dan Ariely and learn about why we keep making bad financial decisions. Find out what is anchoring, how we perceive value and how our own sense of perceived loss cripples our budgets. If you live in British Columbia, Alberta, Sask…
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The show must go on. This week we push through the haze of sickness and talk about the little talked about parts of RRSP's, taking money out of it, both in working years and in retirement. Plus find out what you need to know to get what you need without too many surprises. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or…
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This week it's time once again for our obligatory RRSP season episode for 2025! Find out what you need to know to make the most of your legal tax shenanigans before March 3. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visitbraunfinancial.com DIY Investing at…
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This week we tackle the idea that is less about age and more about the choices we make today to create a more stable tomorrow (is stable even an option anymore). Find out the difference between retirement age and being prepared for retirement plus much more. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us h…
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Turns out your boss was crazy after all. This we go over the some of the negative aspects of entrepreneurship and how it can challenge our mental health. What ailments are most common among business owners, how to better manage yourself and how to navigate dealing with an entrepreneur as a boss. If you live in British Columbia, Alberta, Saskatchewa…
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I’ve got a gut feeling I’m not listening to myself enough, meh, must just the pizza talking. This week we talk about the book “Anchored’ by Deb Dana and see how her view on polyvagal theory can help us better understand our own personal finances. What is the correlation between feeling safe vs spending, how to better regulate ourselves before a fin…
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Retirement: noun, being too “tired” to deal with any of this. This week Christine goes through Tim Ferris’ The Four Hour and talks about how apply his principles to your retirement. Be it better cashflow, a mini pre-retirement and more. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of t…
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Step 1 listen to this podcast, steps 2-4 ?, Step 5 profit. This week we talk about our new streamlined financial planning process and how it can help you get your best start for 2025 (take that 20-24). Learn about the simple budget, protecting your assets and more. If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon l…
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As a kid I related to “A Christmas Story” but as I get older I find myself living in “Christmas Vacation.” This week we end the year and recap our most popular episodes of 2024, and expand on our best tips. Spoiler alert the most popular ones almost all have money in the title, who would of guessed that. If you live in British Columbia, Alberta, Sa…
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Obey… Consume… Subscribe. This week we talk about the power of following the herd and how it can impact your financial decisions. Why does your brain want you to fit in with others even when it means rejecting reality, and how we can mitigate the stresses that lead to bad choices. Sunglasses and bubble-gum not included. If you live in British Colum…
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He’s checking his list, checking it twice, gonna find outwhose bankrupt or nice. Santa Clause is coming to town. This week we check our personal finance check list one more time before the holidays. Hear about year end distribution on non-registered accounts, changes to capital gains, TFSA updates and more financial stocking stuffers. If you live i…
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This week we talk about the pros and cons of the First Home Savings plan and how it can work with other programs to help you buy your first major debt burden. When is an FHSA better than the RRSP Home Buyer plan, how much is really available and more ways to avoid the bank of mom and dad. If you live in British Columbia, Alberta, Saskatchewan, Mani…
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I must not fear. Fear is the wallet-killer. Fear is the little debt that brings financial obliteration. I will face my fear and I will permit it to pass over me and through me. This week we learn how Tim Ferriss uses “Fear Setting” to help him take control of his life. Learn the simple strategy of Define, Prevent, Repair and avoid procrastination a…
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Audio now fixed. This week we give our opinion on a recent Globe & Mail article about the Fire movement and being inflation proof. The benefits of owning vs. renting, matching expenses to income sources and preparing for the future are the keys to financial success. If you live in British Columbia, Alberta, Saskatchewan, Manitoba or Ontario let us …
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What goes up must come down, except for taxes of course. This week we make sense of the most recent rate cut by Bank of Canada and what that means for your wallet. Plus we look at contributing factors such as recent GDP and inflation numbers to see how healthy our economy actually is. If you live in British Columbia, Alberta, Saskatchewan, Manitoba…
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And to my loved ones, “You get nothing, you loose, good day sir!” This week Christine shares valuable tips from a recent Estate Planning conference that she attended. Why are wills important, how to make life easier for beneficiaries and a host of different strategies to pass on wealth with less hassle. If you live in British Columbia, Alberta, Sas…
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When I was young I played a computer game called “Lemmings,” little did I know then, it was a documentary. This week we talk about several ways investors follow others off the proverbial cliff into the gaping maw of the stock market. Perils such as selling at the bottom, timing the market, and miscalculating the role of human behavior all come with…
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Turns out the story of the Tortoise and the Hare was about investing all along. This week we’ve collected some of the best advice from Warren Buffet and see if everyday people like us can also succeed in investing. Hear personal tips like investing in yourself and how all of that plays into building a mentality based on patience and properly unders…
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My commitment to change is unchanging… or is my commitment to being unchanging changing? This week we explore several of the hurdles that keep us from making real progress with our personal finances. See how procrastination, uncertainty, feelings of being overwhelmed and unwillingness to change keep us trapped in financial ruts and stop us from doi…
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The more we spend together, together, the more we spend together, the happier we will be! This week we conclude our two part look into combining your finances along with all of the pro’s and con’s involved. Find out what your common law status is, how to work towards a common goal, sharing economic benefits and some tax and investment advantages to…
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There’s no “I” in team, but there is in bills, insolvency and failure. This week we start a 2 part series on the pros and cons of combining a couples finances. Learn about the money biases that come into relationships, how a lack of awareness can hold you back, and how working towards a goal together can strengthen your relationship. If you live in…
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I am altering the pension. Pray I don't alter it any further. This week we talk about the continued roll out of changes to the Canada Pension Plan and how in 40 years you might get more money in retirement. Who qualifies for the best version of this plan, why is there now a two-tired structure and other useful facts about your government mandated f…
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If two people and a film crew going through my closet can fix my life, why not go through my finances like that too. This week rummage through the proverbial closet and talk about Dave Ramsey’s book “Total Money Makeover” and see if his tips will help you be the belle of the ball or left outside in the rain. What tips can help us today, can his ane…
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Reality is fluid, ever changing, all consuming force imposing its will on the world, unstoppable in all ways, except for one weakness, our expectations. This week we conclude our retirement trilogy with a report from the Ontario Security Commission which shows how our expectations and the realities of retirement intersect, for better or worse. How …
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Starting Retirement Planning Later in Life
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Retirement is just the culmination of all of the decisions we made during our working years…. uh oh! This week we talk about what happens when you wait until the last minute (or decade) to prepare for retirement, and how there is still hope for a decent retirement. It’s the battle of dedication vs expectation that will determine how you enjoy those…
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Retirement planning is just figuring out how to pay the bills without working. This week we take inspiration from the book “ Pay Cheques and Play Cheques - Retirement income solutions for Canadians” by Tom Hegna, Robert Gawthrop & Steve Tate to figure out how to plan for the retirement we actually want. Learn to save for retirement like you do vaca…
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I couldn’t think of a joke so I hired a consultant, now go sign up for my new joke subscription service, only $99.99 per month. This week we review “Accelerating out of the Great Recession” by David Rhodes and Daniel Stelter of Boston Consulting Group and see how they figured out everything after it has already happened. Find out how companies rise…
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This week Christine takes inspiration from a recent interview with economist & author of “A Map of the New Normal” Jeff Rubin and talks about what he sees as the future of the global economy. We talk about deglobalization, trade isolation, the return of the middle class, energy transition and the growing battle between cost and convenience that imp…
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I quantify, therefore I am. This week we talk about how to run your life like a small business owner and understanding the Key Performance Metrics that can make your life better. Lean how organization, prioritization and cooperation can help you better handle the everyday things in life. If you live in British Columbia, Alberta, Saskatchewan, Manit…
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Compounding, the cause of and solution to all of life's problems. This week we talk about how the concept of compounding interest can either be you best friend or greatest enemy when it comes to your finances. What is the difference between good debt and bad debt, how compounding is different than your rate of return and why is the number 72 so imp…
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Live your life in a way that no one wants to dance on your grave. This week we ask the question, “Why do I need to leave a legacy?” and figure out what happens to all of our hard work and things when we are gone. In terms of money its all about maximizing the gifts, minimizing the taxes, setting timing of receipts. But its all more important than m…
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The best way to achieve a goal is to just lower the bar. This week we set a goal to explain how to best achieve your goals and more importantly how to structure those goals in a way to make them easy, challenging and fulfilling. If you live in British Columbia, Alberta or Saskatchewan letus help you take care of the people you love and visit braunf…
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To make money you have to spend money, so that means the more I spend the more I make right? This week we jump into the Investo-dome for Fund-a-mania 2024 to see which type of investment fund comes out on top. We’ll talk about index funds, mutual funds and segregated funds and find out why all of them cost as much as they do and see how each of the…
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We did it bureaucrats, we saved the country from income inequality, now everyone is poor. This week we check in with several new reports on the growing trend of poverty in Canada and how 25% of people are struggling to cope with this new reality. Canadians are suffering from a perceived loss of control, increased stress and other related issues and…
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There’s only one way to truly deal with my deep emotional struggles… Shopping Spree! This week we review “In the Realm of Hungry Ghosts” by Gabor Mate and talk about how the same underlying roots of addiction influence our poor spending choices. Better understand what our brain is doing and how we try to cope through addiction, spending and other l…
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So when do I start having debt freedom? That’s the neat part, you don’t! This week we talk about how our culture of debt is designed to keep us in debt and how investors profit from it. Learn about asset backed securities, various mortgage repacking strategies and other ways your debt makes other people money, or even yourself? If you live in Briti…
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Oh God, not the verbal bees, I can’t take anymore of these buzzwords. This week we talk about clarity, priorities, leveling up and saying no along with other concepts Christine learned recently at a coaching event and reading two different books. We examine “10x is Easier than 2x” by Dan Sullivan & Dr. Benjamin Hardy and “Essentialism” by Greg McKe…
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