Real numbers. Real strategies. No fluff.
Personal finance for physios, doctors, dentists, and every clinician who lost their 20s to grad school. Written by a practicing physiotherapist + Certified Financial Counsellor — no commissions, no products to sell, no whole-life pitches.
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How I plan to retire at age 40
Retirement isn't an age; it's a financial position. Learn how to define your "enough" and reverse-engineer your path to a life of choice, not need.
Travel Hacking Europe: Our Business Class Adventure on a Budget
See our real Europe travel budget, including how points covered over C$20,000 in flights & hotels! Learn how to optimize credit cards for travel and everyday rewards.
Mistakes to Avoid When Hiring a Financial Advisor
Hiring a financial advisor can be a stressful and intimidating process but it doesn’t have to be. Remember to take your time in the hiring process, ask for clarification when needed, and trust your instincts when making the final decision. A strong client-advisor relationship can significantly impact your financial success.
Don't Leave Your Loved Ones in the Dark: The Ultimate Guide to Getting Your Financial House in Order
This guide is your one-stop shop for getting your financial ducks in a row. We'll cover everything from wills and insurance to investments and digital assets, so you can rest easy knowing your loved ones are protected.
Preparing for a Possible Economic Recession: A Guide to Financial Resilience
As economic indicators begin to suggest the possibility of a looming recession, it’s more important than ever to prepare your finances for potential turbulence ahead. While the stock market hits all-time highs, Bitcoin soars, and the Federal Reserve cuts rates, there’s a widespread feeling of optimism in the air.
Inflation-Proofing Your Finances: A Healthcare Professional’s Guide
The rising cost of goods and services impacts everyone, but for healthcare professionals—whether employed or self-employed—it presents unique challenges. Inflation erodes the purchasing power of your money, making it essential to implement strategies that not only protect but also grow your finances in this volatile environment
The Rules to Life
Over the first five months, I have come across several “rules to life” They are from several individuals; experts in their respective fields. Each with their own view on how to live a meaningful and impactful life.
Through that search, I have compiled several ‘rules’ to live a good life, which I will outline (and provide resources) for you to explore on your own.
5 Insurance Must-Haves for Health Professionals
As healthcare professionals, we understand the importance of thorough planning and assessment in our work. Just as we diagnose and treat our patients, we must also diagnose and protect our financial health. In this article, we'll explore how health insurance, life insurance, disability insurance, auto insurance, and homeowners/renters insurance can benefit us, using real-life examples from both Canada and the US to illustrate the importance of each type of coverage.
My Biggest Financial Mistakes
Fear Kills More Dreams Than Failure Every Will- Suzy Kaseem
After losing tens of thousands of dollars, I’ve realized the magnitude of that quote.
Why Relationships Fail
Disagreements about money is one of the primary reasons relationships fail. If you are getting married or moving in with your partner, make sure you review this checklist and have a conversation about money, and how it is treated in your relationship.
Why you should QUIT more often
In our society, to quit often signals a feeling of defeat, loss and even failure. Meaning it is held in a negative light. Often looking back on what we have lost or wasted in the effort. Annie, in her more recent book Quit, the power of knowing when to walk away, highlights how we should embrace quitting and instead look to the future for the expected value and the potential future loss if we don’t quit.
Budgeting and Why It’s Crucial for Your Success.
So when it came to filing taxes, I'd be done well in advance of April. Although being finished with plenty of time to spare, didn't make the days/weeks and hours leading up to filing less stressful. I literally collected my receipts in envelopes and shoeboxes. I was an utter mess and was determined to make the following year's tax filing not only stress-free but do it in half the time.
That's when I stumbled on the power of budgeting. I'm a big proponent of budgeting. But I know that not everyone is, and there are people a lot more experienced and educated than I am, that doesn't recommend budgeting (at least traditionally).