https://www.financiallyfulfilledphysio.com/testimonials daily 0.75 2022-05-02 https://www.financiallyfulfilledphysio.com/testimonials/eric-o monthly 0.5 2022-10-30 https://www.financiallyfulfilledphysio.com/testimonials/will-h monthly 0.5 2022-05-22 https://www.financiallyfulfilledphysio.com/testimonials/brian monthly 0.5 2022-05-02 https://www.financiallyfulfilledphysio.com/testimonials/dave monthly 0.5 2022-05-02 https://www.financiallyfulfilledphysio.com/testimonials/nick monthly 0.5 2022-05-02 https://www.financiallyfulfilledphysio.com/testimonials/ben monthly 0.5 2022-05-02 https://www.financiallyfulfilledphysio.com/testimonials/blog-post-title-four-dh3x2-b4jmr monthly 0.5 2021-10-14 https://www.financiallyfulfilledphysio.com/faq daily 0.75 2023-01-10 https://www.financiallyfulfilledphysio.com/faq/what-sort-of-qualifications-do-you-have monthly 0.5 2022-05-15 https://www.financiallyfulfilledphysio.com/faq/in-person-course monthly 0.5 2023-01-10 https://www.financiallyfulfilledphysio.com/faq/when-can-i-expect-to-get-filthy-rich monthly 0.5 2023-01-10 https://www.financiallyfulfilledphysio.com/faq/do-i-have-to-take-the-beginner-course monthly 0.5 2022-05-15 https://www.financiallyfulfilledphysio.com/resources daily 0.75 2026-02-01 https://www.financiallyfulfilledphysio.com/resources/social-security monthly 0.5 2026-02-01 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/3644a8b7-d118-44ba-87f5-d7f24e2aa991/FFP+Peaking+UP+.png Navigating Finances as a HCP Blog - The 2026 Guide to CPP vs. Social Security: Will It Be There When You Retire? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/airbnb-year-in-review-2025 monthly 0.5 2026-01-25 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/53f854d2-f740-44ea-906f-1abc386cd65e/Abnb.png Navigating Finances as a HCP Blog - My fourth year running an Airbnb - In early 2022 I launched an Airbnb out of my home. That’s right, I opened my doors up to complete strangers for a full year. At the outset, you may shake your head at that idea and dismiss it completely. In 2023 I continued that trend and kept running the Airbnb. If your initial response was ‘I would never do that in my personal home?’ please reserve judgment until you finish reading the next few paragraphs. Let’s dive in. I listed a single bedroom, with a queen bed and an adjoining private 4-piece bathroom for guests to use. They also had access to their own living room, equipped with couches and a TV, and shared use of the kitchen, fridge, and driveway. I launched the listing in Feb 2022 and had it active throughout the rest of the year and throughout 2023. My rules: no children (my house is not childproof and did not to open myself to any liability issues) only accepted verified guests (ID and previous positive review track record) only 2 guests maximum I would only rent out the space while I was at home/work. Never while I was traveling out of the city. Is Airbnb the Side Hustle for You? My Journey as a Superhost When I first dipped my toes into the world of Airbnb in early 2022, I’ll admit—it felt a bit like inviting chaos into my home. Strangers staying in your personal space? That’s either a nightmare or a dream, depending on your perspective. Fast-forward three years, and I can confidently say it’s been one of the most rewarding and enlightening side hustles I’ve undertaken. Whether you're curious about running an Airbnb from your own home or investing in a dedicated short-term rental property, let me take you through the ins, outs, and everything in between. From financial returns to hosting hiccups, I’ve learned a lot—and I’m here to share it all. Starting Small: My Personal Airbnb Experience Let’s rewind to 2022. I listed a single bedroom in my home, complete with a queen bed, a private bathroom, and access to shared living spaces like the kitchen and driveway. With strict rules in place—no children, verified guests only, and a maximum of two people—I aimed to create a hassle-free experience for both myself and my guests. Here’s a snapshot of how 2024 shaped up for my Airbnb side hustle: Total Nights Offered: (Insert updated number here) Total Nights Booked: (Insert updated number here) Occupancy Rate: (Insert updated percentage here) Gross Income: (Insert updated number here) Net Income (after expenses): (Insert updated number here) Net Return on Time: (Insert updated calculation here) While these numbers tell part of the story, the real insights came from the everyday hosting experience. From welcoming guests from Sweden to Ohio to managing the occasional clogged toilet, every moment taught me something new about hospitality—and myself. Thinking Bigger: Investing in Airbnb as a Business If running an Airbnb out of your home sounds too personal, investing in a dedicated short-term rental property might be more appealing. Here’s what to consider: 1. Location is Key Properties near tourist attractions, major cities, or event hotspots typically perform better. Look for areas with year-round demand, not just seasonal traffic. Example: A property near wineries or hiking trails could see consistent bookings throughout spring and summer, while proximity to ski resorts might thrive in winter. 2. Understand Local Regulations Many cities have strict laws around short-term rentals. Research licensing requirements, zoning restrictions, and occupancy limits. Tip: Join local Airbnb host groups or forums to stay updated on regulations. 3. Run the Numbers Before committing to an investment, calculate your potential return on investment (ROI). Here’s a quick formula to consider: (Projected Annual Income - Annual Expenses) / Total Investment Cost = ROI Expenses to include: Mortgage payments Property taxes Utilities Cleaning and maintenance Airbnb host fees 4. Factor in Furnishing Costs Guests expect a fully equipped and comfortable space. Budget for quality furnishings, kitchen essentials, and small touches like coffee makers and local guidebooks. 5. Automate Where Possible From smart locks for self-check-in to professional cleaning services, automation can save you time and headaches. Tools like dynamic pricing software can also help maximize revenue by adjusting nightly rates based on demand. Common Airbnb Pain Points (And Solutions) 1. High Turnover = High Maintenance With guests coming and going, the wear and tear on your property can add up quickly. Solution: Build a trusted team of cleaners and handymen who can step in at a moment’s notice. 2. Managing Guest Expectations From complaints about Wi-Fi speed to missing teaspoons, small issues can feel magnified to guests. Solution: Provide clear communication upfront. A detailed house manual can address common questions and prevent misunderstandings. 3. Navigating Seasonality Peak seasons bring in higher income, but slow months can feel like a financial drain. Solution: Offer discounts for long-term stays during off-peak months or consider adding amenities that appeal to winter travelers, like a hot tub or fireplace. Lessons From My Superhost Journey Here are my biggest takeaways after three years as a Superhost: Boundaries are Non-Negotiable Whether it’s blocking off dates for personal use or setting clear rules for guests, boundaries ensure a sustainable hosting experience. Metrics Matter Just like tracking clinic stats, understanding Airbnb metrics like occupancy rate and average nightly income helps optimize performance. Embrace the Unexpected From clogged toilets to surprise cancellations, flexibility and a sense of humor go a long way. Could Airbnb Be Your Next Side Hustle? If you’re looking to diversify your income in 2025, Airbnb offers a unique opportunity to combine hospitality with financial growth. Whether you start small with a room in your home or go big with a dedicated property, the key is to plan strategically and learn as you go. Want to dive deeper into side hustles? Check out my blog on other great options for health professionals: Side Hustles for Health Professionals. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d147e104-5883-4b77-b91c-c27737d06067/FFP+Double+Point+to+R.png Navigating Finances as a HCP Blog - My fourth year running an Airbnb - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/how-i-plan-to-retire monthly 0.5 2025-08-24 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/3644a8b7-d118-44ba-87f5-d7f24e2aa991/FFP+Peaking+UP+.png Navigating Finances as a HCP Blog - How I plan to retire at age 40 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/euro-trip monthly 0.5 2025-07-27 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/77f76e32-2bb4-47e1-b912-dee1edc15ab6/IMG_3242.jpeg Navigating Finances as a HCP Blog - Travel Hacking Europe: Our Business Class Adventure on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/160651e0-374c-4a82-b318-5da3f7bc58a2/IMG_3106.jpeg Navigating Finances as a HCP Blog - Travel Hacking Europe: Our Business Class Adventure on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/return-on-time monthly 0.5 2025-07-13 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d7331425-9a31-4665-9175-6cafab6eacc1/FFP+Hats+off+Thinking+Scratching+Head.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/9fe270bf-aaf6-4080-9464-3322dd3aaa82/ginger+logo+tagline+Blue.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c16f62f0-e6ff-4671-b7db-c358f5bd5c8c/GD-graphic-tasks%281%29.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1696084326786-AON1U7SMZIXLJIYW1HVO/Return+on+Time+.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - Return on Time .png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1696084120638-P3924XPLHJKN9DNF8JP9/25.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - 25.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1696084119386-FV61DCLNFH1CRCCGX60V/26.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - 26.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1696084119316-5756PYGPKK660FYRW2KV/27.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - 27.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1696084118033-7BICNSA5D3HZ3CCAO3KN/28.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - 28.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1696084118074-NMAPJAMI38X79AJ4EE0G/29.png Navigating Finances as a HCP Blog - Return on Time: The Most Crucial Financial Metric. - 29.png https://www.financiallyfulfilledphysio.com/resources/2025-portfolio-year-in-review monthly 0.5 2025-07-06 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/67ee1174-7385-4a3b-ba7a-707c6084e6aa/IMG_6588.jpeg Navigating Finances as a HCP Blog - 2025 Mid Year Portfolio In Review - Let's take a look under the hood and see how my portfolio has performed in the first half of 2025 Please note that a common benchmark used in investing is the performance of the Standard and Poor ( S&P) 500 index. The S&P 500 in 2025 increased 6.76% year to date (YTD). The NASDAQ Composite Index increased 8.83% YTD. Why am I sharing my own portfolio's performance with you? In our society, I believe we don't talk about the concepts of money or investing enough. It's often considered a taboo topic. I frankly think that's a reason why many of us struggle with it. I'm an amateur investor, who makes PLENTY of mistakes, and who mismanages my own time, and am learning alongside you. I hope it will provide you with a layer of utterly lacking transparency in this area. Investing is not always sunshine and rainbows, there are plenty of dark days, months, and even years. I believe it is what you do or do not do that has more of an impact in the long term. If you want to take a glimpse of how the portfolio faired in 2022, check it out here, and for my 2023 Mid Year In Review, you’ll see it at the end of this piece. You’ll see I underperformed in some areas and ‘beat the market’ in others. What you will not see in the breakdown is my position sizing. Said different, how large is each investment in each account. Position sizing is extremely important in calculating returns. You can have $1 invested in bitcoin and it doubles in size to $2, you’ve technically received a 100% return but in reality, only made $1. It is crucial to understand both position sizing and asset allocation and how they relate to crafting your financial portfolio. https://www.financiallyfulfilledphysio.com/resources/bitcoin monthly 0.5 2025-05-25 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/bfe1e9e0-0e8b-4341-8b67-308076327e4b/FFP+Smiling+UP+BTC+Coffee.png Navigating Finances as a HCP Blog - What is Bitcoin and why you should learn about it! - In 2025, you’d have to be totally off the grid to have not heard about Bitcoin yet. And, if that’s the case, you’re likely not reading this article. For the rest of us, the Bitcoin conversation (and likely the whole cryptocurrency discussion) has infiltrated some facet of our lives, whether it be through mainstream business news channels, social media, or even our holiday gatherings, the talk of Bitcoin is becoming more common. Although occurring more often in our lives, I believe it is something that is poorly understood and susceptible to unfair discrimination due to inadequate surface-level knowledge. Some critics illustrate this through the Dunning Kreuger Effect, a cognitive bias, which plainly put is someone’s lack of knowledge in a subject matter leads to overconfidence in that same material. I stumbled on Bitcoin through Anthony Pompliano (after briefly hearing about it through the hysteria in 2017) in 2020 when our clinic was closed to the initial lockdown of the pandemic. That ‘forced break’ from the clinic allowed me to really go down the rabbit hole and explore certain concepts and ideas I otherwise would have been ‘too busy’ to do. Bitcoin was one of those concepts and I’m extremely grateful that I did. I finally took a position and got off zero (a term used to mean, owning at least a fraction of Bitcoin) in Spring 2020 and have continued to be a buyer at all price levels. I have actually invested more in Bitcoin over the last 3 years than any other asset class! That’s saying a lot, coming from a conservative and conventional real estate and equities investor. Why do I have this heightened level of conviction? It would help to learn about money, bitcoin, and the problem(s) it was designed to solve. I trust you will be a lot more comfortable with this asset class, after finishing this article. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/305ded19-1387-4a58-8d8d-5c335629ba87/BTC+2022.jpeg Navigating Finances as a HCP Blog - What is Bitcoin and why you should learn about it! - Why do I invest in Bitcoin? I have a core belief that our dollar will be less valuable every year. Our central banks have stated that they target an inflation rate of 2% a year. They are programming our currency to devalue at a rate of 2% each and every year. Bitcoin has a fixed supply and is inherently deflationary, allowing it the propensity to appreciate not only in value but in popularity in the future. It exhibits a network effect (utility improves and the number of users increase) Bitcoin meets/exceeds the characteristics and functions of money (see above) While I am very bullish on Bitcoin, someone would say I’m irresponsibly long on the asset, I do believe there are still risks and headwinds ahead. Nevertheless, every month I continue to acquire more of it. At this point, I do not believe I will let my position in BTC grow to more than 5% of my financial portfolio, however, depending on the regulatory and economic environment, I may adjust my position size. https://www.financiallyfulfilledphysio.com/resources/buying-your-first-home monthly 0.5 2025-05-11 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1746989436787-2HC8AK5M11QZ51EYB0JS/1.png Navigating Finances as a HCP Blog - Buy vs. Rent for Young Professionals: Making the Right Housing Choice - 1.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1746989437272-TI8CMZD2LT3BKI3QDMQG/2.png Navigating Finances as a HCP Blog - Buy vs. Rent for Young Professionals: Making the Right Housing Choice - 2.png https://www.financiallyfulfilledphysio.com/resources/financial-advisor monthly 0.5 2025-04-27 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/7af7dccd-9bdf-42bf-9ca6-0cd650813b71/FFP+Hand+on+head+concerned+up+right.png Navigating Finances as a HCP Blog - Mistakes to Avoid When Hiring a Financial Advisor - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/time-in-vs-timing-the-market monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/dc69c711-46c6-42c2-9d24-85969b0bb96f/CB1E6ACE-A6F6-4736-81EC-94729294058B.jpeg Navigating Finances as a HCP Blog - Timing vs Time In the Market - Don’t Miss The Best Days Part 1 Click here for the full article https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/fe4ec7e8-f639-4b0f-b3d2-4be87914ea5d/43E1D098-854F-42AA-886D-23B4F95EF3A6.jpeg Navigating Finances as a HCP Blog - Timing vs Time In the Market - Don’t Miss the Best Days Part 2 Click here for the full article https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/3818d4f3-503b-43d6-8b2e-751f7ba14f3d/25173791-0EC1-48AF-9D02-1C3F81B1E45C.jpeg Navigating Finances as a HCP Blog - Timing vs Time In the Market - Don’t Miss the Best Days Part 3 Edward Jones sums it up nicely and packages the above charts into one. Take a look at what a $10 000 investment in 1998 in the MSCI (Morgan Stanley Capital International) Canada would yield in both dollar and percentage amounts if you excluded the best 10/20/30/40 and 50 days. Take home point: Keep invested, don’t try to time the market https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/640b3c2d-e546-4a04-bdb3-2c5e04990cee/Timeinvstiming.jpeg Navigating Finances as a HCP Blog - Timing vs Time In the Market - The longer you invest, the lower risk of you losing money Forbes backtested about 93 years of stock market data and compares the risk of losing money over the time horizon of investing. As the chart depicts, the likelihood of losing money reduces significantly the longer the investment horizon. For example over a 15 year time frame you have a 0.2% of losing (negative return) money. Said differently, you have a 99.8% of having a positive return (making money) over 15 years. Take home point: Keep invested, don’t try to time the market https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/cfa16ea6-0de4-4e92-8521-ac003769d378/Screen+Shot+2023-10-28+at+10.57.13+AM.png Navigating Finances as a HCP Blog - Timing vs Time In the Market - Even Bad Timing Trumps Inertia Given the difficulty of timing the market, the most realistic strategy for the majority of investors would be to invest in stocks immediately. Procrastination can be worse than bad timing. Long term, it's almost always better to invest in stocks—even at the worst time each year—than not to invest at all. Dollar-cost averaging is a good plan if you're prone to regret after a large investment has a short-term drop, or if you like the discipline of investing small amounts as you earn them. https://www.financiallyfulfilledphysio.com/resources/financial-planning monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/25a859f2-792d-4070-969b-2f07188f3e56/FFP+Double+Point+to+R.png Navigating Finances as a HCP Blog - Don't Leave Your Loved Ones in the Dark: The Ultimate Guide to Getting Your Financial House in Order - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/tfsa-fhsa-rrsp monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d6c7195d-87a4-4ed2-91fa-d369cc2336ac/WS+TFSA%2C+RRSP%2C+FHSA.png Navigating Finances as a HCP Blog - TFSA vs. RRSP vs. FHSA: Choosing the Best Investment Account (Plus U.S. Equivalents!) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/3a4f14e6-9ee0-47f1-a1d1-7cadedf9fa2b/Screenshot+2025-01-31+at+4.11.29%E2%80%AFPM.png Navigating Finances as a HCP Blog - TFSA vs. RRSP vs. FHSA: Choosing the Best Investment Account (Plus U.S. Equivalents!) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/37de86ed-e332-43a8-b8f6-308ddd6feea8/Screenshot+2025-01-31+at+4.10.20%E2%80%AFPM.png Navigating Finances as a HCP Blog - TFSA vs. RRSP vs. FHSA: Choosing the Best Investment Account (Plus U.S. Equivalents!) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/2025-check-up monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/25a859f2-792d-4070-969b-2f07188f3e56/FFP+Double+Point+to+R.png Navigating Finances as a HCP Blog - Financial Fitness Check-Up: Start 2025 on the Right Foot - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/income-rollercoaster monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Riding the Roller Coaster: Managing Unpredictable Income in Private Practice - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/lease-own-car monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Leasing vs. Owning a Vehicle for Healthcare Professionals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/us-dollar monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - How a Strong U.S. Dollar Impacts Your Portfolio - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/reevaluate-debt monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/484ebce6-b690-4033-9223-b41ac392a39a/FFP+Double+Shooters+to+R.png Navigating Finances as a HCP Blog - Reevaluating Debt Repayment Strategies Amid Interest Rate Changes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/prepare-for-recession monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Preparing for a Possible Economic Recession: A Guide to Financial Resilience - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/inflation-proofing-your-finances monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Inflation-Proofing Your Finances: A Healthcare Professional’s Guide - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/how-inflation-is-eroding-your-wealth monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/58732758-e0da-4f0e-9698-6209b0a1cafd/FFP+Peaking+UP+.png Navigating Finances as a HCP Blog - How Inflation is Eroding Your Wealth - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/05c925b7-b20d-444e-8731-67f3dbdae207/Screen+Shot+2023-09-14+at+10.41.29+AM.png Navigating Finances as a HCP Blog - How Inflation is Eroding Your Wealth - Bank of Canada Consumer Price Index The Bank of Canada has traditionally tried to hold the CPI between 1-2%. This chart illustrates in the preceding years to the pandemic they were successful. At the height of the pandemic, there was actual deflation (due to lockdowns and a supply shock), however in the months following, inflation had a little nitro boost and took off to a level of 8%. With rising interest rates, inflation has decreased steadily the last several months, up until Aug. Now is this a momentary blip, or a start of a trend? https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/bdcb488a-8a14-4a36-b3c5-9eb3a6c228c4/Screen+Shot+2023-09-14+at+10.43.47+AM.png Navigating Finances as a HCP Blog - How Inflation is Eroding Your Wealth - Bureau of Labor Statistics The Federal Reserve Bank of the United States has traditionally tried to hold the CPI at 2%. This chart illustrates in the preceding years to the pandemic they were successful. At the height of the pandemic, there was actual deflation (due to lockdowns and a supply shock), however in the months following, inflation had a little nitro boost and took off to a level of 9%. With rising interest rates, inflation has decreased steadily the last several months, up until Aug. Now is this a momentary blip, or a start of a trend? https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/0ceb98a6-693a-4f4f-bff4-55763d15e709/Screen+Shot+2023-09-13+at+8.57.36+PM.png Navigating Finances as a HCP Blog - How Inflation is Eroding Your Wealth - All items in the CPI basket have increased since 2020 ⬆️ Electricity + 24% ⬆️ New Vehicles + 21% ⬆️ Eggs + 27% ⬆️ Gasoline + 24% ⬆️ Used Cars + 44% ⬆️ Meats + 22% ⬆️ Food at Home + 24% ⬆️ All items + 17% ➡️ Airline Fares increased for a fair share of the last few years but are actually 1% lower than 2020 levels. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/7b37306d-f9c9-4624-9369-0d5a145235d5/Screen+Shot+2023-09-14+at+10.36.34+AM.png Navigating Finances as a HCP Blog - How Inflation is Eroding Your Wealth - Shrinkflation The term, for manufacturers’ practice of making products smaller rather than raising prices, was first used in this context by British economist Pippa Malmgren in 2013, according to Merriam-Webster. Upgrading “downsizing”: Edward Dworsky, a consumer advocate and lawyer who publishes Consumer World, has been writing about shrinkflation for decades, but he only started using that term in 2021. “I’ve been covering this for over 30 years, and it’s always been called ‘downsizing,’” Dworsky told us. But he started calling it “shrinkflation” because the term “has caught the attention of the media.” It’s no wonder why the term is gaining currency. Examples abound of brands quietly shrinking their products, from Gatorade to Charmin to Crest. And while in previous eras brands may have expected consumers not to notice, today they’re noticing…and agitating. https://www.financiallyfulfilledphysio.com/resources/we-are-drowning-in-debt monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/4f62a689-d701-4d7e-954c-a06564836e28/FFP+Shocked+Assets_Liabilities.png Navigating Finances as a HCP Blog - We are drowning in Debt. Which generation carries the most? - The short answer, 40-49y.o. carry the most debt. But in a close second, is the 30-39y.o. bracket. According to a recent Globe and Mail article (may I add, it was one of the most comprehensive articles I’ve read in quite some time), the average (important to note that the following figures are based on averages) Canadian owes $1.83 for every $1 in after-tax income. Yup, that’s more than the United States, Britain, Germany, France, and Japan. Not something we as a country should be proud of. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/8cc24429-f0a6-49bb-9e4f-d647f1bcfcb1/Screen+Shot+2023-02-27+at+8.56.38+PM.png Navigating Finances as a HCP Blog - We are drowning in Debt. Which generation carries the most? - Mortgage Debt This is literally the elephant in the room! Most Canadians consider their home as the largest investment so it should not come as a surprise that their mortgage ranks number one on their debt ladder. However, not everyone is a homeowner and furthermore, not everyone carries a mortgage to the grave. Some will aim to eliminate it immediately, while others have their death loan well into their later years. You’ll clearly see that the two largest cohorts that possess a mortgage are 30-39/4049 year-olds and they respectively have the highest balance owing (between 450-500K CAD). The trend as you can imagine is to pay off your mortgage as you grow older and that is visible as well in the graphic. “Just 22 per cent of people in their 60s reported carrying a mortgage, and 11 per cent of people in their 70s. But those who do have mortgages carry quite the load. The average balance owing for seventysomethings with a mortgage was reported at $217,543.” 1 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/98f56955-ba3a-4b78-9d29-a35510b2f76e/Screen+Shot+2023-02-27+at+9.01.02+PM.png Navigating Finances as a HCP Blog - We are drowning in Debt. Which generation carries the most? - Who carries the largest overall debt load (mortage, HELOC, student and vehicle loans and credit card debt? When you tally up all the conventional loans and bundle them into an age bracket, boom, the 40-49-year-old bracket comes up on top. Once again, not a ranking a person should be please about. No surprise that the 30-39year old bracket is a close runner up as the middle twenty years of your life tends to have the most change (career change, marriage, children, home purchase etc)”1 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/e505d7c2-36e4-4049-9d4a-36b6e5a6be1c/Screen+Shot+2023-02-27+at+9.07.20+PM.png Navigating Finances as a HCP Blog - We are drowning in Debt. Which generation carries the most? - So I’ll be debt free in retirement? According to the research by the Globe and Mail, nope. You will likely have some sort of debt. Those people over the age of 70 (safe to say most of them are retired, at least by conventional standards), tend to have the least amount owing on their mortgage compared to the decade younger than them BUT they have a very similar percentage of credit card debt (likely because of all that shopping they’re doing for their grandkids ;)) https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/e11bc723-10c1-4dd9-9837-19a2721a42fb/Screen+Shot+2023-03-05+at+4.33.34+PM.png Navigating Finances as a HCP Blog - We are drowning in Debt. Which generation carries the most? - The dirty truth about Credit Card debt. Credit card rates stand out for being expensive. Low-rate cards charge 11.99 to 13.99% a year, while conventional cards usually charge 19.99 -20.99% We’ve already seen that a minority of people carry card debt. But the average card balance reported by those who do have one is $6,343, which is high compared with other estimates of card balances. What kind of burden is created by this level of debt and high card interest rates? A federal government credit card interest calculator shows that someone making the minimum payment every month of $6,343 would take more than 22 years to repay this amount, with a total interest cost of $7,661. Pay $250 a month and you get the card bill paid off in close to three years, with interest totaling $1,970. 1 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/799dd28e-0d70-406a-8980-46126223dcff/Screen+Shot+2024-08-29+at+5.52.16+PM.png Navigating Finances as a HCP Blog - We are drowning in Debt. Which generation carries the most? - US. Average revolving credit card balance: $6,501 A revolving credit card balance is one that persists between payments -- in other words, it's what people pay interest on. It's one of the most important figures when looking at credit card debt. The average credit card balance is $6,501 as of the third quarter of 2023, per Experian. That's up from $5,910 in 2022. Based on data from the second quarter in 2023, Gen X carries the highest average credit card balance, $8,870, while Gen Z carries the lowest average credit card balance, with $3,148. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/65e373e2-fc22-4270-9f5c-f3298ad202f5/Screen+Shot+2024-08-29+at+5.55.49+PM.png Navigating Finances as a HCP Blog - We are drowning in Debt. Which generation carries the most? - Average new car payment: $735/ Used Car: $523 Auto loan debt has been creeping up over the past several years and hit $1.626 trillion in the second quarter of 2024. The average auto loan debt is $24,035 as of the first quarter of 2024. The average car payment for both new and used vehicles has stabilized over the course of the year, with little change in recent quarters, according to data from Experian. https://www.financiallyfulfilledphysio.com/resources/rules-of-life monthly 0.5 2025-08-16 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/647a2be3-b5be-4f57-b39d-0660fce323cb/E30DA000-8E59-46E2-9C5C-AADAEED9F604_1_105_c.jpeg Navigating Finances as a HCP Blog - The Rules to Life Maybe it’s my age or maybe it is that I’m finally achieving a level of maturity, that I am looking at my life and my decisions in narrator mode. What I mean by that, is that, for the first time in quite some time, I’m not making decisions for the short term, not even the mid-term, but truly considering the long term (15+ years). And, it’s not only financial decisions but decisions that will affect my mind, body, spirit, relationships, and community. Over the first five months, I have come across several “rules to live 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. Despite not being directly related to finances, I strongly believe that money without having passions, relationships, and family to spend on it, is worthless. I have these lists posted to a bulletin board in my office to serve as a constant reminder to stay focused, on track, and committed to achieving a fulfilled life. https://www.financiallyfulfilledphysio.com/resources/why-the-bank-said-no monthly 0.5 2024-08-18 https://www.financiallyfulfilledphysio.com/resources/first-home-tips monthly 0.5 2024-08-04 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1660612409312-AATJIPVHG5U6PUV454L9/unsplash-image-YcJupWm1PhQ.jpg Navigating Finances as a HCP Blog - Unlocking Your First Home: Tips to Get the Bank to Say YES - Necessary Documentation Income Verification If you are Self Employed ✅ Previous two years Income Tax Notice of Assessments (NOA) and/or T4 Statements (if less than two years) ✅ Previous two years' corporate financial statements ✅ Draft corporate/personal statement from an accountant for the current year to provide an estimate of projected earnings https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1660612571711-NCUO8Q83HTU3ZE962C2G/unsplash-image-qC2n6RQU4Vw.jpg Navigating Finances as a HCP Blog - Unlocking Your First Home: Tips to Get the Bank to Say YES - If you are a Salaried Employee ✅ Previous two years Income Tax Notice of Assessments (NOA) and/or T4 Statements (if less than two years) ✅ Letter of Employment (LOE)- including length of employment, salary amount/wage per hour, full-time vs part-time. Have it on official company letterhead with proper contact information ✅ Recent Pay Stub (likely need more than one to verify) https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Unlocking Your First Home: Tips to Get the Bank to Say YES - Understanding Mortgages: Employee vs. Self-Employed Let's look at two examples to illustrate the mortgage process for an employee in the US and a self-employed individual in Canada. Example 1: Emily - Salaried Employee in the US Emily is a 30-year-old physical therapist working full-time at a clinic in California. She's looking to buy her first home with a purchase price of $400,000. Here’s what she needs: Income Verification: Emily provides her last two years of Income Tax Returns (1040 forms) showing an annual income of $80,000 and W-2 statements. Employment Verification: She obtains a Letter of Employment (LOE) from her clinic, confirming her $80,000 annual salary and three years of employment. Recent Pay Stubs: She submits her last three pay stubs, each showing a bi-weekly income of $3,076. Down Payment Proof: Emily includes bank statements showing $60,000 saved for a 15% down payment and justifies a $20,000 gift from her parents. Credit Report: Emily pulls her credit report from Credit Karma, showing a score of 740. Emily secures a 30-year fixed-rate mortgage at 5% interest, with a monthly payment of approximately $1,834 (excluding taxes and insurance). She is pre-approved based on her steady income and strong credit score. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/397b71ec-ec20-4baa-8b8e-ffa1d1db0773/FFP+Double+Point+to+L.png Navigating Finances as a HCP Blog - Unlocking Your First Home: Tips to Get the Bank to Say YES - Example 2: Robert - Self-Employed Physiotherapist in Canada Robert is a 32-year-old who owns his physiotherapy practice in Toronto. He’s looking to buy his first home with a purchase price of CAD 600,000. Here’s what he needs: Income Verification: Robert provides his last two years of Income Tax NOAs showing an annual income of CAD 90,000 and corporate financial statements. Current Year Earnings: He includes a draft statement from his accountant estimating his current year's earnings at CAD 95,000. Down Payment Proof: Robert provides 90 days of official bank statements showing CAD 120,000 saved for a 20% down payment and justifies a CAD 10,000 transfer from his business account. Credit Report: He includes his credit report from Equifax, showing a score of 720. Supplementary Documents: Robert submits a detailed net worth statement and documentation for his co-signer, his brother. Robert opts for a 25-year CMHC insured mortgage at 5.5% interest, with a monthly payment of approximately CAD 2,705 (excluding taxes and insurance). His lender evaluates his business’s stability and projected income to pre-approve his mortgage. https://www.financiallyfulfilledphysio.com/resources/etfs-explained monthly 0.5 2025-04-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - ETFs Explained: A Guide for Healthcare Professionals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/be08ce1f-8cc9-4e77-814e-db5193fa0cff/Screen+Shot+2024-07-21+at+1.38.10+PM.png Navigating Finances as a HCP Blog - ETFs Explained: A Guide for Healthcare Professionals https://www.financiallyfulfilledphysio.com/resources/insurance monthly 0.5 2024-06-23 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/cc4e3980-8f95-44cc-88ba-5484810e2291/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - 5 Insurance Must-Haves for Health Professionals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/my-biggest-financial-mistakes monthly 0.5 2024-06-16 https://www.financiallyfulfilledphysio.com/resources/primary-residence-investment monthly 0.5 2024-06-09 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/94f39f45-ed73-4bfb-94b3-fec9c7e4f14e/FFP+Looking+Down+Concerned.png Navigating Finances as a HCP Blog - Is Your Primary Residence the Best Investment? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/mortgage-renewal monthly 0.5 2024-06-21 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/cc4e3980-8f95-44cc-88ba-5484810e2291/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Thinking about renewing your mortgage? Don’t forget to do this! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/side-hustle monthly 0.5 2025-09-20 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Unlock Extra Income: Top Side Hustles for Healthcare Professionals in 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/why-relationships-fail monthly 0.5 2024-05-06 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/f0eee20a-3db4-4462-bdcc-61cfc69df2be/FFP+Looking+Concerned+to+Right.png Navigating Finances as a HCP Blog - Why Relationships Fail - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/why-you-should-quit-more-often monthly 0.5 2024-05-05 https://www.financiallyfulfilledphysio.com/resources/business-cycle monthly 0.5 2024-04-28 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/f4660469-77f6-47b4-ab66-d9927767110a/Business-Cycle-Graph.png Navigating Finances as a HCP Blog - The Business and Real Estate Cycle - The Business Cycle Click here for the full article https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/0be0f86f-09d4-40ac-a07b-b2d442dafb41/Economic+Cycle.jpg Navigating Finances as a HCP Blog - The Business and Real Estate Cycle - The Business Cycle Click here for the full article https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/bb6799ca-ab6f-43fb-a32f-47929e086750/real-estate-cycle-diagram-slide1.png Navigating Finances as a HCP Blog - The Business and Real Estate Cycle - Don’t Miss the Best Days Part 3 Edward Jones sums it up nicely and packages the above charts into one. Take a look at what a $10 000 investment in 1998 in the MSCI (Morgan Stanley Capital International) Canada would yield in both dollar and percentage amounts if you excluded the best 10/20/30/40 and 50 days. Take home point: Keep invested, don’t try to time the market https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/05caffae-bdf5-4185-bd5b-ebd2bbf70e63/real-estate-cycle-diagram-slide2.png Navigating Finances as a HCP Blog - The Business and Real Estate Cycle - The longer you invest, the lower risk of you losing money Forbes backtested about 93 years of stock market data and compares the risk of losing money over the time horizon of investing. As the chart depicts, the likelihood of losing money reduces significantly the longer the investment horizon. For example over a 15 year time frame you have a 0.2% of losing (negative return) money. Said differently, you have a 99.8% of having a positive return (making money) over 15 years. Take home point: Keep invested, don’t try to time the market https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/f4cde6fc-db55-4904-8304-d32a72667ecb/Market+Emotions.jpeg Navigating Finances as a HCP Blog - The Business and Real Estate Cycle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/real-estate-bitcoin monthly 0.5 2024-05-06 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1713717886616-BDYTBMBS6S3N0UIM9PZ4/image-asset.jpeg Navigating Finances as a HCP Blog - Why I'm Betting on Bitcoin and Leveraged Real Estate to outpace inflation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1698866229570-AO6J0F73ZIUBJFDDFYZR/FFP+Bitcoin+Pointing.png Navigating Finances as a HCP Blog - Why I'm Betting on Bitcoin and Leveraged Real Estate to outpace inflation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1713718896481-K4I9HLV0DL77MY3VZ1XH/image-asset.jpeg Navigating Finances as a HCP Blog - Why I'm Betting on Bitcoin and Leveraged Real Estate to outpace inflation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1713718984189-PPY4Y1KXCMJRT4PFQBW5/image-asset.jpeg Navigating Finances as a HCP Blog - Why I'm Betting on Bitcoin and Leveraged Real Estate to outpace inflation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/budgeting monthly 0.5 2024-04-13 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/7af7dccd-9bdf-42bf-9ca6-0cd650813b71/FFP+Hand+on+head+concerned+up+right.png Navigating Finances as a HCP Blog - Budgeting and Why It’s Crucial for Your Success. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1653177480843-BROWORVB5W1R8OE7GQRZ/MarketHustleLogo.png Navigating Finances as a HCP Blog - Budgeting and Why It’s Crucial for Your Success. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/student-loan-debt monthly 0.5 2024-03-24 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Guide to Managing Student Loans: Strategies for U.S. and Canadian Healthcare Professionals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/investment-strategies monthly 0.5 2025-09-13 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d7331425-9a31-4665-9175-6cafab6eacc1/FFP+Hats+off+Thinking+Scratching+Head.png Navigating Finances as a HCP Blog - Investment Strategies for the Risk Averse - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/planning-for-retirement monthly 0.5 2024-03-10 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d7331425-9a31-4665-9175-6cafab6eacc1/FFP+Hats+off+Thinking+Scratching+Head.png Navigating Finances as a HCP Blog - Retirement Planning for Healthcare Professionals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/canadian-taxes-101 monthly 0.5 2025-02-15 https://www.financiallyfulfilledphysio.com/resources/2023-airbnb-year-in-review monthly 0.5 2024-02-26 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/53f854d2-f740-44ea-906f-1abc386cd65e/Abnb.png Navigating Finances as a HCP Blog - My second year running an Airbnb in my home - In early 2022 I launched an Airbnb out of my home. That’s right, I opened my doors up to complete strangers for a full year. At the outset, you may shake your head at that idea and dismiss it completely. In 2023 I continued that trend and kept running the Airbnb. If your initial response was ‘I would never do that in my personal home?’ please reserve judgment until you finish reading the next few paragraphs. Let’s dive in. I listed a single bedroom, with a queen bed and an adjoining private 4-piece bathroom for guests to use. They also had access to their own living room, equipped with couches and a TV, and shared use of the kitchen, fridge, and driveway. I launched the listing in Feb 2022 and had it active throughout the rest of the year and throughout 2023. My rules: no children (my house is not childproof and did not to open myself to any liability issues) only accepted verified guests (ID and previous positive review track record) only 2 guests maximum I would only rent out the space while I was at home/work. Never while I was traveling out of the city. It is also important to note, that I did purposefully block off dates in the calendar for my own personal time and social events. Ya know, sometimes you just need the space to yourself, so you can belt out lyrics and walk around in your pajamas without shame. Something I already lack. Common questions (and the corresponding answers) I regularly field when I talk about my AirBnB are: Who the heck is renting a single bedroom and bathroom? ✅ My guests are typically couples (of all ages), and it is rare that I get a single person staying. What is the most common reason people are traveling to your area? ✅ In the summertime, it is definitely to check out the local wineries, breweries and nature. I do get a few couples attending a family function or a wedding! What is the most damage that you have had to your place? ✅ A clogged toilet, I had to purchase some drain cleaner and a mini auger, no big deal. Where are your guests usually traveling from? ✅ I’ve had guests from Sweden, England, Maryland, Ohio, Pennsylvania, New York, BC, Manitoba, Quebec, and a lot from Ontario. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d147e104-5883-4b77-b91c-c27737d06067/FFP+Double+Point+to+R.png Navigating Finances as a HCP Blog - My second year running an Airbnb in my home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/budgeting-tips monthly 0.5 2024-02-26 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/317f94b4-d19e-4426-a0d6-fa32063030c2/FFP+Blue+Steel.png Navigating Finances as a HCP Blog - Tips for Saving on a Tight Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/negotiating-101 monthly 0.5 2025-01-25 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Negotiating 101: How to Ask for a Raise - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/emergency-fund monthly 0.5 2024-02-26 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/58732758-e0da-4f0e-9698-6209b0a1cafd/FFP+Peaking+UP+.png Navigating Finances as a HCP Blog - How to build an emergency fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/how-to-pay-off-debt-fast monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d7331425-9a31-4665-9175-6cafab6eacc1/FFP+Hats+off+Thinking+Scratching+Head.png Navigating Finances as a HCP Blog - How to get out of DEBT fast! With the Holiday season behind us, I’m still carrying around a few extra lbs from overindulging these past few weeks (I think it was mainly the beer). However, something that I will not carry with me into the new year is DEBT. WHY? Mainly because I spend within my means, I track my budget regularly and I think about if I NEED it or if I WANT it prior to purchasing. I routinely utilize both the 24hr and 7 day rule. While shopping (mainly online), if I find something that I want to purchase. I will place it in my cart and wait 24hrs to make sure I need it versus just wanting it. For larger purchases (TVs- which I still don't have, laptops, phones, trips etc), I will wait a full week before purchasing. I have made some poor financial decisions when I've been hungry, angry, lonely, tired, stressed or in pain. So these rules provide some protection against myself. However, some of us may have overspent, considering it may have been the first time you’ve had your ‘typical’ family/friend function after a few years and we wanted to showcase our gift-giving skills. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/4ff4049b-97f9-4ee8-9e06-c4590a68fcd1/Strategies-to-pay-down-debt.jpg Navigating Finances as a HCP Blog - How to get out of DEBT fast! - SNOWBALL METHOD This method focuses on paying off the smallest debt first. The goal is to reduce the number of creditors and to provide the debt payer with a sense of accomplishment that will help keep them motivated. Like a snowball, the effects of each payment are minor at first, but as they pay off debt and eliminate creditors, they can then allocate the savings to the next smallest debt, which compounds the impact. Using this method, they would make all minimum payments and then pay down the Line of Credit (LoC). After the second month, the LoC would be eliminated, and the minimum payment of $10 could be added to the $435, increasing the remaining amount paid towards debt each month to $445. They would then work on paying down Credit Card 1. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d2cc21fc-543b-4658-8bc4-47b63f9e50a7/Strategies-to-pay-down-debt.jpg Navigating Finances as a HCP Blog - How to get out of DEBT fast! - AVALANCHE METHOD This method aims to reduce the amount of interest paid and therefore increase the amount of debt payment that goes toward the principal. With this method, they would make all minimum payments and allocate the remaining $435 towards Credit Card 2, as this debt carries the highest interest rate. Once Credit Card 2 is paid off, they would take the $435 and the $75 saved from the card's minimum payment and allocate this to Credit Card 1. You can see that this method incorporates the snowball method but differs in which debt to repay first. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/31dfe8e1-8f06-496f-9a18-0d3e9ed85210/Strategies-to-pay-down-debt.jpg Navigating Finances as a HCP Blog - How to get out of DEBT fast! - DEBT CONSOLIDATION Debt consolidation can be a great tool for individuals with multiple creditors that are serious about repaying debt. With the above example, there is $7,000 available on the LoC, at a rate lower than both credit cards and the Personal Loan. Under the debt consolidation strategy, they would borrow $5,500 from the LoC to pay off both credit cards. They could take this one step further and make a one-time pre-payment to the personal loan of $1,500, thus maxing out the LoC, and increasing the minimum payment from $10 to $75. The savings from the credit card minimum payments ($35 + $75 = $110) would more than cover the increased LoC payment and the difference can be used to continue paying down the Personal Loan. Once the Personal Loan is paid off, they would start paying off the LoC (next-highest interest rate). https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1672163610383-INDJ4FJ8XPA77TRRY42X/unsplash-image-1k3vsv7iIIc.jpg Navigating Finances as a HCP Blog - How to get out of DEBT fast! - CAVEATS Tax-deductible debt: If the interest on the debt is tax-deductible, the after-tax cost of the debt may not actually be that high. Student debt: Some student debt comes with an interest-free grace period of six months where no interest is charged on the loan. Medical training debt: In the terms of the contract, it may state that the debt does not need to be repaid right away or in some cases, at all. An example of this could be an interest-free grace period or what is known in the medical field as a 'return of service' arrangement. https://www.financiallyfulfilledphysio.com/resources/my-favourite-resources monthly 0.5 2025-09-12 https://www.financiallyfulfilledphysio.com/resources/2023-portfolio-year-in-review monthly 0.5 2023-12-31 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/b072ea2d-db33-42af-956e-737319f964cc/Christmas12022.jpeg Navigating Finances as a HCP Blog - 2023 Portfolio In Review - Let's take a look under the hood and see how my portfolio has performed after it was beaten up in 2022. Please note that a common benchmark used in investing is the performance of the Standard and Poor ( S&P) 500 index. The S&P 500 in 2023 increased 25.46% or +25.46% year to date (YTD). The NASDAQ Composite Index declined 40.3% or +40.3% YTD. Why am I sharing my own portfolio's performance with you? In our society, I believe we don't talk about the concepts of money or investing enough. It's often considered a taboo topic. I frankly think that's a reason why many of us struggle with it. I'm an amateur investor, who makes PLENTY of mistakes, and who mismanages my own time, and am learning alongside you. I hope it will provide you with a layer of transparency that is utterly lacking in this area. Investing is not always sunshine and rainbows, there are plenty of dark days, months, and even years. I believe it is what you do, or what you do not do, that has more of an impact in the long term. I’ll see you all in six months for my 2024 Portfolio Year in Review. If you want to take a glimpse of how the portfolio faired in 2022, check it out here, and for my 2023 Mid Year In Review, click here. You’ll see that I underperformed in some areas and ‘beat the market’ in other areas. What you will not see in the breakdown is my position sizing. Said different, how large is each investment in each account. Position sizing is extremely important in calculating returns. You can have $1 invested in bitcoin and it doubles in size to $2, you’ve technically received a 100% return but in reality, only made $1. It is crucial to understand both position sizing and asset allocation and how the relate to crafting your financial portfolio. https://www.financiallyfulfilledphysio.com/resources/what-makes-up-a-credit-score monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/cc4e3980-8f95-44cc-88ba-5484810e2291/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - What makes up a credit score? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/7da75787-6a34-4dec-a955-19f4bf4dde75/Credit-Score-Factors.jpeg Navigating Finances as a HCP Blog - What makes up a credit score? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/how-much-money-do-you-need-to-retire monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/9c4090c3-1259-47e0-ad77-09611c3bc806/FFP+Thinking+Assets_Liabilities.png Navigating Finances as a HCP Blog - How much money do you need to RETIRE? - 1.7 MILLION LOONIES Yes, that’s right! According to a recent BMO survey, that’s how much money Canadians believe they need in their piggy bank in order for them to retire. It is important to note, the definition of retirement will vary amongst individuals, however, traditionally, retirement means ceasing to work so you can stay at home and annoy your spouse. Which typically leads to pulling a Tom Brady, and retiring from retirement. Luckily for us, @wealthsimple conjured up some excellent graphics and did the math on what it would take to hit that goal of $1.7 million by the typical retirement age, 65. Moneysense corroborated the findings in this article. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/72010a5c-bcc1-4219-abe4-ae88d554dc9a/WS+Retirement+.png Navigating Finances as a HCP Blog - How much money do you need to RETIRE? - INVESTING > SAVING “If you want to sock away enough money for retirement, investing, rather than sticking your cash in a savings account, is probably the way to go. That’s because, though no future outcome is certain, the stock market has historically grown 7% a year on average, while high-interest savings accounts tend to return 3%. So, going back to our $1.7 million benchmark: you could reach it by contributing $15,700 into a retirement account each year. We calculated that based on a 35-year investment horizon since that’s how long folks in their early 30s have; we also assumed a $52,000 savings baseline since that’s about average for that age group. Don’t get us wrong: $15,700 is a lot.* But it’s a lot less than the $31,560 you’d need to contribute annually to hit $1.7 million if you kept all your money in a savings account ** And, as the chart shows, if you saved, rather than invested, $15,700/year, you’d retire with $726,000 — a million short of your goal. No dice. *Our chart accounts for inflation, so you’d actually end up with more than $1.7M when you retire, but you’d have the equivalent of $1.7M in buying power today.” 1 Please note that the slope of the line and in turn your amount invested and return generated will change based on a multitude of variables. The largest ones are the age you started investing, the amount you started with, the amount you contribute regularly, and the rate of return you consistently earn. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/55603fab-908c-4ee5-9240-ac8bf114134c/WS+Retirement+2.png Navigating Finances as a HCP Blog - How much money do you need to RETIRE? - START ASAP, CONTRIBUTE OFTEN “OK, so what if you’re not 30, as the first chart assumes? And what if you don’t have any savings, much less $52,000? How can you reach $1.7 million then? The answer hinges largely on time. If you’re 25, the power of compounding returns is definitely on your side: if you want to retire at age 65, an annual $14,073 contribution over the next 40 years should get you to $1.7 million. (Congrats!) With every year you put off investing, though, your goal gets a lot more, let’s say, ambitious. The point being: it’s crucial to invest as early as you can, since the money you invest now will earn more over time than money you invest later. And, if you’re panicking about not having enough time or money to save for retirement, remember that how much you need really depends on how much you expect to spend. You can use a retirement calculator to get a better picture of where you are and how much you might need.”1 The message here is clear and simple, start investing now. Don’t wait, and if you plan on waiting, be prepared to contribute a lot more per year to make up for the years of not investing. That is if you do want to retire. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1701531150199-GPFN1B9I9FPV6AH6MEGX/Screen+Shot+2023-12-02+at+10.32.26+AM.png Navigating Finances as a HCP Blog - How much money do you need to RETIRE? - Screen Shot 2023-12-02 at 10.32.26 AM.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1701531177355-F10JLIY7MV930Y9S5OEV/Screen+Shot+2023-12-02+at+10.32.53+AM.png Navigating Finances as a HCP Blog - How much money do you need to RETIRE? - Screen Shot 2023-12-02 at 10.32.53 AM.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1701531334994-UXQ5L124YBODKXIXE10Z/Screen%2BShot%2B2023-12-02%2Bat%2B10.33.28%2BAM.jpg Navigating Finances as a HCP Blog - How much money do you need to RETIRE? - Screen Shot 2023-12-02 at 10.33.28 AM.png https://www.financiallyfulfilledphysio.com/resources/golden-handcuffs monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c6dbfbef-ab30-45ad-bd76-99bdce51073f/FFP+Scratching+Chin+Thinking+Up+R.png Navigating Finances as a HCP Blog - Unshackled from the GOLDEN Handcuffs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/traditional-portfolio monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/54fe8c71-f6c1-4c84-bf24-97012591f42c/Screen+Shot+2023-11-09+at+8.17.02+AM.png Navigating Finances as a HCP Blog - What’s in your Portfolio? - Don’t take it from me, but from the world’s largest asset manager, BlackRock. “This portfolio challenge was on full display in 2022 as stock and bond returns were both meaningfully negative for the calendar year. In 2023, returns have been positive for both stocks and bonds, but the correlation has remained positive. This raises the question: is the “diversified” 60/40 portfolio back? Our answer is that this largely depends on the future path of inflation. That is because persistent inflation would likely alter the monetary policy dynamics of the previous two decades. With inflation still well above the Fed’s 2% target, the Fed is less likely to materially cut interest rates in the face of a growth slowdown. That is because they would likely prioritize achieving their inflation target over cushioning a short-term downturn in economic growth. As a result, bonds may not offer the same degree of ballast in a 60/40 portfolio.” https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/10fbcde4-40fb-416e-bb63-ca19df859d60/Screen+Shot+2023-11-01+at+8.50.27+AM.png Navigating Finances as a HCP Blog - What’s in your Portfolio? - Are bonds actual Risk-Free/ Risk-Off? Click here for the full article https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/f210359d-e32c-43db-b13e-d1561580c659/Screen+Shot+2023-11-01+at+8.53.50+AM.png Navigating Finances as a HCP Blog - What’s in your Portfolio? - Charts speak louder than words Sorry for the poor quality chart. I do not possess a Bloomberg terminal so this was the best I could find that illustrates the last 4 years. The vertical axis is the % change. Bitcoin is depicted in Blue The Nasdaq (through QQQ) is in Orange Bonds (through TLT) is in Green Gold (through GLD) in, go figure, Gold. Over the last 4 years, Bitcoin has not only outproduced all of these assets, but it has done so by a tremendous margin. Bitcoin has been touted as too risky and volatile. On the contrary, at least in the last 4 years, it is less risky than holding bonds. Holding bonds has actually lost you money. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/04c5f4d8-4aa7-4f91-b70a-a8dca50ad23c/Screen+Shot+2023-11-11+at+10.22.22+AM.png Navigating Finances as a HCP Blog - What’s in your Portfolio? - Ask your financial advisor to explain this one I love this visual, not only because it elucidates that bitcoin has been utterly dominant in achieving exceptional returns over the last 12 years but it does so by comparing it to a wide array of assets over the same time frame. Do not hear what I am not saying. I am not saying that you should invest your entire net worth in Bitcoin! That would be foolish to put all your eggs in one basket, regardless of the asset. What I am proposing, is that it would be worth a discussion and consideration to evaluate the utility of an alternative asset in the traditional financial portfolio. Your advisor will likely tell you that bitcoin is toooooooo risky and volatile to be considered a component of a portfolio. That’s the industry’s refrain. Scroll down and show them the next graphic. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/ee922510-2003-4a7f-a068-3885dd6efd28/Screen+Shot+2023-11-11+at+10.34.01+AM.png Navigating Finances as a HCP Blog - What’s in your Portfolio? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/93a7e67e-d28c-424d-8b39-48012b728e92/Screen+Shot+2023-11-01+at+8.45.30+AM.jpg Navigating Finances as a HCP Blog - What’s in your Portfolio? - Charlie Bilello nails it again. Click here for the full article https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/7589f902-16f3-41c9-894a-d2c26552b1d4/FFP+Bitcoin+Pointing.png Navigating Finances as a HCP Blog - What’s in your Portfolio? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/first-home-purchase monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d147e104-5883-4b77-b91c-c27737d06067/FFP+Double+Point+to+R.png Navigating Finances as a HCP Blog - How to buy your first home the smart way! The Bank of Canada kept the policy interest rate of 5% at its latest announcement earlier this week. You may be asking yourself is now a good time to buy my first home? That is a question that I cannot answer. But what I can do, is help you understand the options available to you, for when you consider purchasing your first home. For Canadians, there were two options (using your TFSA, and your First Home Buyers Plan (FHBP) through your RRSP) to acquire your first home. Last year, the Canadian government proposed another option, the First Home Savings Account (FHSA) to help Canadians starting in 2023. In this blog we will cover what the FHSA, TFSA, and FHBP are, the differences between them, and how you can use them to assist in your first home purchase. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/e5a668e5-a7c4-405a-8425-70867d4c6f59/Screen+Shot+2023-01-23+at+8.03.56+PM.png Navigating Finances as a HCP Blog - How to buy your first home the smart way! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/stock-market monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/7af7dccd-9bdf-42bf-9ca6-0cd650813b71/FFP+Hand+on+head+concerned+up+right.png Navigating Finances as a HCP Blog - The Difference Between the Stock and Bond Market, Mutual Funds and ETFs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/27d3d0a8-8872-4666-b92b-388f875f043a/Global+Stock+Market.png Navigating Finances as a HCP Blog - The Difference Between the Stock and Bond Market, Mutual Funds and ETFs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d67db55e-ed89-4b16-b4bb-bf3f9d84f9b7/Global+Bond+Market.jpeg Navigating Finances as a HCP Blog - The Difference Between the Stock and Bond Market, Mutual Funds and ETFs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/09d6aa65-6241-4246-9491-cccaa8c2b118/etf-vs-mutual-fund-diagram.png Navigating Finances as a HCP Blog - The Difference Between the Stock and Bond Market, Mutual Funds and ETFs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1692533686969-G95GIBD6AL876HIGTNQU/Screen_Shot_2020-06-24_at_2.36.30_PM.png Navigating Finances as a HCP Blog - The Difference Between the Stock and Bond Market, Mutual Funds and ETFs - Screen_Shot_2020-06-24_at_2.36.30_PM.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1692533538177-5G9AVEVI63BTA6QIO45Y/3-High_Fees_Add_Up.png Navigating Finances as a HCP Blog - The Difference Between the Stock and Bond Market, Mutual Funds and ETFs - 3-High_Fees_Add_Up.png https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1692533584418-8G32H90FX0404I82OLJ4/14-S_P_500_Returns_vs._The_Average_Investor.png Navigating Finances as a HCP Blog - The Difference Between the Stock and Bond Market, Mutual Funds and ETFs - 14-S_P_500_Returns_vs._The_Average_Investor.png https://www.financiallyfulfilledphysio.com/resources/just-a-physiotherapist monthly 0.5 2024-02-26 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/317f94b4-d19e-4426-a0d6-fa32063030c2/FFP+Blue+Steel.png Navigating Finances as a HCP Blog - Robin, You’re Just a Physiotherapist - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/2023-portfolio-mid-year-in-review monthly 0.5 2023-07-02 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/b3525ca7-617e-490f-b3e0-4628b33ecf72/BTC+2022.jpeg Navigating Finances as a HCP Blog - 2023 Portfolio Mid Year In Review - Let's take a look under the hood and see how my portfolio has performed. Please note that a common benchmark used in investing is the performance of the Standard and Poor’s ( S&P) 500 index. The S&P 500 in 2023 increased by ~14.04% year to date (YTD). The NASDAQ Composite Index declined ~36.63% YTD. Why am I sharing my own portfolio's performance with you? In our society, I believe we don't talk about the concepts of money or investing enough. It's often considered a taboo topic. I frankly think that's a reason why many of us struggle with it. I'm an amateur investor, who makes PLENTY of mistakes, and who mismanages my own time and am learning alongside you. I hope it will provide you with a layer of transparency that is utterly lacking in this area. Investing is not always sunshine and rainbows, there are plenty of dark days, months, and even years. I believe it is what you do, or what you do not do, that has more of an impact in the long term. I’ll see you all in six months for my 2023 Portfolio Year in Review. If you want to take a glimpse of how the portfolio faired in 2022, check it out here. https://www.financiallyfulfilledphysio.com/resources/inflation monthly 0.5 2024-02-26 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1686445332586-94UVD0FHM0NDJJ2RUX6L/image-asset.jpeg Navigating Finances as a HCP Blog - Inflation and the Erosion of Wealth - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1df80b10-f7ef-47f3-b184-a2f228ec4efa/Screen+Shot+2023-06-19+at+12.54.50+PM.png Navigating Finances as a HCP Blog - Inflation and the Erosion of Wealth - Which assets tend to perform best in an Inflationary Environment? Based on the economic environment (accelerating inflation or decelerating inflation) there are certain types of assets that fare better than others. This chart is based on data from the last 46 years. https://www.financiallyfulfilledphysio.com/resources/fiat-money monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1687108977061-UAG0AGGQHMAPCKXFULEK/image-asset.jpeg Navigating Finances as a HCP Blog - Fiat Money, what it is, and how to make it work for you. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/5868f700-8b4d-43f8-b16b-4589de425d45/Screen+Shot+2023-06-17+at+3.46.31+PM.png Navigating Finances as a HCP Blog - Fiat Money, what it is, and how to make it work for you. - Let’s see how M2 Money Supply Has Increased over the years. You can clearly see that since the 1970s, the amount of circulating currency (US) has increased non linearly. This is from the St Louis division of the Federal Reserve Bank of the United States. More recently since 2020 the money supply has increased a faster pace than years prior. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/81cc841d-d29a-4376-92de-52eaf965156b/Screen+Shot+2023-06-17+at+3.48.09+PM.png Navigating Finances as a HCP Blog - Fiat Money, what it is, and how to make it work for you. - How does Gold Stack Up Against M2? With M2 increasing, one may ask, how it affects gold. Afterall, prior 1971, the US dollar was backed one to one by gold. It appears, that despite having some periods of uncorrelation, for the most part, as money supply has increased the price of an ounce of gold has followed in lockstep. Which means it costs more to purchase the same ounce of gold. Not because gold is more valuable, but because the money is worth less, and thus requires more of it to purchase the same amount. Inflation in the money supply usually equals inflation in the value of assets. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/013318ae-4dad-4d94-a1d1-943330f297ce/Screen+Shot+2023-06-17+at+3.48.25+PM.png Navigating Finances as a HCP Blog - Fiat Money, what it is, and how to make it work for you. - How does the S & P Stack Up Against M2? Speaking of lockstep, look at this correlation between the M2 and the S & P 500 over the last 15 years. They almost mirror each other. This graph illustrates as there is more money in circulation it tends to flow into assets, one of which is the S&P 500. As liquidity (used sometimes interchangeably with money supply) decreases, so too does the value of the top 500 largest companies in the US. https://www.financiallyfulfilledphysio.com/resources/bouncing-back monthly 0.5 2024-02-26 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/4f62a689-d701-4d7e-954c-a06564836e28/FFP+Shocked+Assets_Liabilities.png Navigating Finances as a HCP Blog - Bouncing Back: Recovering from Capital Loss Last June in the midst of a larger market downturn, I wrote an article on the difference between timing and time in the market, with the hopes of shedding light on a tried and true investment strategy. In this article, I hope to illustrate what happens when you incur a capital loss and the gains you need to bounce back and recover from that loss. When I first learned about this concept, it really shook me and drilled into my head Warren Buffet's two rules for investing. Rule # 1: Don't lose money Rule # 2: Don't forget rule # 1. If you are someone who hasn’t even thought about investing because you are busy paying down your debt, I salute you. After patting yourself on the back, explore three techniques that may further assist you in that journey. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/0a3d0ebe-f742-41ca-86ae-d6c71e1cf140/Returns+to+recover+from+stock+market+loss.png Navigating Finances as a HCP Blog - Bouncing Back: Recovering from Capital Loss - Let’s take a deep dive into the math of it Recovering from a stock market loss depends on several factors, including the magnitude of the loss, the time horizon for recovery, and the overall performance of the market. To determine the returns needed to recover a specific stock market loss, you need to consider the following formula: Required Return = (Initial Investment - Loss Amount) / Initial Investment Here's an example to illustrate how it works: Let's say you initially invested $10,000 in the stock market, and due to market fluctuations, your portfolio decreased by 20%. To calculate the required return to recover this loss: Loss Amount = Initial Investment * Loss Percentage Loss Amount = $10,000 * 0.20 = $2,000 Required Return = (Loss Amount/ Remaining Amount) * 100 = ($2000/$8000) * 100 Required Return = 25% In this example, you would need a 25 % return on your remaining investment of $8,000 to recover the $2,000 loss and return to your initial investment of $10,000. It's important to note that this calculation assumes that the market will provide the required returns within the desired time frame. However, market performance is unpredictable, and achieving the desired returns is not guaranteed. It's crucial to consider your risk tolerance, and investment goals, and consult with a financial advisor before making any investment decisions. https://www.financiallyfulfilledphysio.com/resources/passive-income monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/7af7dccd-9bdf-42bf-9ca6-0cd650813b71/FFP+Hand+on+head+concerned+up+right.png Navigating Finances as a HCP Blog - Passive Income Streams? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/gender-inequality monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/9c4090c3-1259-47e0-ad77-09611c3bc806/FFP+Thinking+Assets_Liabilities.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - Are you being compensated well, fairly, and commensurate with your capabilities? I’ll preface this post with the obvious and the less apparent facts. The obvious, I’m a male. A minority male. Someone who has never lived or walked in a woman’s shoes, although I have worked alongside many women over my career, I attempt to address this important topic from the articles I have read and not from any personal experience. The less apparent facts. I have been an adjunct clinical professor for ten years, and through that time have been witness to many graduating classes of physiotherapy students. This has given me a unique insight into the next generation of physiotherapists, and in my case, it is largely comprised of females. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/640eb514-d96f-4242-a6b4-8e5ce80ac72b/Screen+Shot+2023-04-09+at+8.01.39+AM.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - “Healthcare Is a Women’s Work” 1 Regardless of how it is calculated, health care is women’s work. Four out of five paid workers in health care are women. Nurses constitute the single largest occupational category in health care, accounting for over 30% of those Statistics Canada counts as part of the health sector, and over 60% of health professionals. Meanwhile, according to 2006 Census data, 93.8% of nurses are women. Women are still a minority of practicing doctors. In 2006, 35.5% of physicians, dentists, and veterinarians were women. The overwhelming majority of technicians and therapists are women and their proportions are increasing in most of them. Statistics Canada includes some support personnel within the “health occupations” category. Among these workers classified as “assisting occupations in support of health services” women dominate. 88% are female. This category includes dental assistants care aides, orderlies, and personal assistants and concentrations of women are very high in all of these occupations. Indeed, these jobs are more female-dominated than professional occupations in health. 1 In my experience, the overwhelming majority of physiotherapists are female. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/92d60cca-0f16-42d3-9a1a-10aa6eecf705/Screen+Shot+2023-04-09+at+8.17.45+AM.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - Do male physicians get paid more than their female counterparts? Undoubtedly yes. This was evident in 2012, where the average male MD in primacy care made $174 000 USD compared to $ 141 000USD, a difference of $33 000USD. Fast forward four years and they EXACT same difference persists, $33 000USD. The gap was even wider for specialities. In 2012, the difference between was $69 000USD in favour of males. That is more than the yearly salary of the average american! Four years later, the gap widened. In 2016, the difference was $82 000. Now I really don’t have any insight if there are more factors at play in this chart than sex alone. As an outsider just viewing this at face value, it’s quite shocking. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/c4496e29-2fe0-488e-a89c-3f892949606c/Screen+Shot+2023-04-07+at+11.03.23+AM.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - If you’re a man with children, do you make more than a woman with a child? According to the Bureau of Labor Statistics, yes you do. A man with a child has a median income of $1229 USD a week. Compare that to a man without a child, $ 1005. What is even more shocking is that a woman with a child expects to earn $909. A difference $303 USD a week. Extrapolate that to 52 weeks a year and that’s $16 640 USD. (not healthcare specific) https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/648fbdbf-e226-44ee-bdd9-d029c9594063/Screen+Shot+2023-04-07+at+11.03.01+AM.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - Your ethnicity will impact how much you’ll earn. Black and Hispanic women are most affected by the wage gap when compared to non-Hispanic white men. Based on 2020 data, Black women made just around 64% of what non-Hispanic white men made. As tracked by the Census Bureau, Hispanic women could be of any race, and their pay gap between non-Hispanic white men is even wider than that of Black women. "In 2020, the median annual pay for an Asian American woman who still held a full-time, year-round job was $68,442, compared to $67,629 for a white-non-Hispanic man," the National Partnership for Women and Families wrote in the fact sheet. The larger disparity between non-Hispanic white men's and women of color's earnings could be attributed to the fact that "women of color suffer both because of their gender and their race," according to an April 2016 report released by the Senate Joint Economic Committee Democratic Staff. 3 (not healthcare specific) https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/26856b04-d967-48c9-a4a0-d99f9794cdc2/Screen+Shot+2023-04-08+at+6.30.48+PM.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - Over the last 22 years, as women age, they earn less relative to their male counterparts The gap in aggregate pay between women and men in the U.S. narrowed from 65 cents for each dollar earned by men in 1982, to 80 cents to the dollar in 2002. Yet, this progress has stalled in the 21st century, with the gap narrowing to only two cents in the past two decades Pew Research finds that women typically begin their careers "closer to wage parity with men, but lose ground as they age and progress through their work lives." The researchers attribute this partly to parenthood. 4 (not healthcare specific) https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/8dc33e87-1f54-4451-bfb1-558f6c85a3d8/Screen+Shot+2023-04-07+at+11.03.59+AM.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - Income gap between men and women diverge then converge through their lifetime Men, over the course of their careers and lifetime, historically have earned more than their female counterparts. Earlier in their career, the difference is relatively small (when compared to later on). However, in their 30s (presumably for a few reasons, one being childbirth and the traditional role of the mother being the primary caregiver and therefore being absent from the workforce for a period of time) the gap widens. Men’s wages accelerate. That spread maintains through the mid and late stages of the careers of men and women, until retirement. After retirement (presuming 65 years old), men’s income tends to decrease at a faster rate than women's. (not healthcare specific) https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/dafd470f-4e39-4608-aa66-d8fde738b2e9/Screen+Shot+2023-04-08+at+6.29.41+PM.png Navigating Finances as a HCP Blog - Does Gender Income Inequality exist in Healthcare? - 40 years later, women have taken the lead in holding at least a Bachelor’s Degree They also note that parenthood affects the hourly earnings of employed women and men in unexpected ways. For example, while employed mothers typically earn less than their female peers with no children, that gap is driven primarily by differences in educational attainment. Comparing women with similar levels of education reveals that there's little gap between earnings for working mothers and non-mothers. And women with higher levels of education tend to have fewer or no children at home. We also know that motherhood impacts women's potential earnings, as career breaks cause varying degrees of income sacrifices, while some women choose never to re-enter the paid workforce. It's difficult to know what a mother's earnings might have been, but estimates suggest that motherhood may account for most of the current shortfall in the overall earnings potential of women in the Western world. Despite gains in education in recent years, with 48% of women holding a bachelor's degree or higher in 2022 compared to 41% for men, the rate at which the pay gap closes has slowed 4 (not healthcare specific) https://www.financiallyfulfilledphysio.com/resources/why-are-these-major-banks-collapsing monthly 0.5 2024-02-14 https://www.financiallyfulfilledphysio.com/resources/fhsa monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/e5a668e5-a7c4-405a-8425-70867d4c6f59/Screen+Shot+2023-01-23+at+8.03.56+PM.png Navigating Finances as a HCP Blog - Buying your first home with a FHSA? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.financiallyfulfilledphysio.com/resources/2022-year-in-review-stock-options-trading monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/5128095c-16eb-4c3d-9eae-f1e68415946f/C71B3D4C-ED51-4D80-AFAA-ED6EE4B6E6C1_1_201_a.jpg Navigating Finances as a HCP Blog - 2022 Stock Options Trading Year In Review - As you have probably heard me say a few times by now, increasing your revenue streams are paramount to reaching financial fulfillment. I don’t believe you can rely solely on one income stream (especially if you’re a health professional) to achieve some sort of financial independence. Gone are the days when you can live off one income in a household. Outside of obtaining streams from my active physiotherapy income and real estate, I have continued to use stock options as a tool to generate another source of semi-active income. This is my second full year of trading, let’s just say that it wasn’t as successful as 2021. In case you hadn’t noticed, 2022 was a terrible year for the majority of equities. However, I would have seen larger losses in my portfolio if I was not able to generate income through selling puts and covered calls. In an effort to continue my mission of providing transparency, I have listed below the details of the last year of my trading. My goal in sharing this information is to showcase the possibilities available that are not readily taught in traditional education that can allow anyone with an internet connection and a sound strategy to generate income. I am a firm believer in surrounding yourself with individuals a lot smarter than yourself and that’s precisely what I did when I took to Theta Trading it educate myself. If you are looking to add another revenue stream to your belt and are considering learning more about stock options trading. You can save $100 off the introductory course (the same course I took) by clicking here. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/b82cdafc-6b18-4eb0-b225-1c7b7e2762f5/Theta-logo-Blue+%28New%29.png Navigating Finances as a HCP Blog - 2022 Stock Options Trading Year In Review https://www.financiallyfulfilledphysio.com/resources/2022-airbnb-year-in-review monthly 0.5 2024-01-09 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/53f854d2-f740-44ea-906f-1abc386cd65e/Abnb.png Navigating Finances as a HCP Blog - My first year running an Airbnb in my home - In early 2022 I launched an Airbnb out of my home. That’s right, I opened my doors up to complete strangers for a full year. At the outset, you may shake your head at that idea and dismiss it completely. If that was your first response, please reserve judgment until you finish reading the next few paragraphs. Let’s dive in. I listed a single bedroom, with a queen bed and an adjoining private 4-piece bathroom for guests to use. They also had access to their own living room, equipped with couches and a TV, and shared use of the kitchen, fridge, and driveway. I launched the listing in Feb 2022 and had it active throughout the rest of the year. My rules: no children (my house is not childproof and did not to open myself to any liability issues) only accepted verified guests (ID and previous positive review track record) only 2 guests maximum I would only rent out the space while I was at home/work. Never while I was traveling out of the city. It is also important to note, that I did purposefully block off dates in the calendar for my own personal time and social events. Ya know, sometimes you just need the space to yourself, so you can belt out lyrics and walk around in your pajamas without shame. Something I already lack. Common questions (and the corresponding answers) I regularly field when I talk about my AirBnB are: Who the heck is renting a single bedroom and bathroom? ✅ My guests are typically couples (of all ages), and it is rare that I get a single person staying. What is the most common reason people are traveling to your area? ✅ In the summertime, it is definitely to check out the local wineries, breweries and nature. I do get a few couples attending a family function or a wedding! What is the most damage that you have had to your place? ✅ A clogged toilet, I had to purchase some drain cleaner and a mini auger, no big deal. Where are your guests usually traveling from? ✅ I’ve had guests from Sweden, England, Maryland, Ohio, Pennsylvania, New York, BC, Manitoba, Quebec, and a lot from Ontario. https://www.financiallyfulfilledphysio.com/resources/2022-portfolio-year-in-review monthly 0.5 2023-01-01 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/f655b55b-1b35-4358-b28c-3393474a3c46/IMG_6928.jpeg Navigating Finances as a HCP Blog - 2022 Portfolio Year In Review - WELL THAT WAS AN INTERESTING YEAR TO SAY THE LEAST. PHEW. In an effort to maintain my transparency, let's take a look under the hood and see how my portfolio has performed. Please note that a common benchmark used in investing is the performance of the Standard and Poor ( S&P) 500 index. The S&P 500 in 2022 declined 19.48% or - 19.48% year to date (YTD). The NASDAQ Composite Index declined 33.7% or - 33.7% YTD. Why am I sharing my own portfolio's performance with you? In our society, I believe we don't talk about the concepts of money or investing enough. It's often considered a taboo topic. I frankly think that's a reason why many of us struggle with it. If you don’t talk about it, how are you ever supposed to learn? I'm an amateur investor, who makes PLENTY of mistakes, and who mismanages my own time, and am learning alongside you. I hope it will provide you with a layer of transparency that is utterly lacking in this area. Investing is not always sunshine and rainbows, there are plenty of dark days, months, and even years. I believe it is what you do, or what you do not do, that has more of an impact in the long term. I’ll see you all in six months for my 2023 Portfolio Year in Review. If you want to take a glimpse of how the portfolio faired in 2021, check it out here, and how it compares to 2022 Mid Year, ciick here. https://www.financiallyfulfilledphysio.com/resources/crypto-crash monthly 0.5 2024-02-14 https://www.financiallyfulfilledphysio.com/resources/2022-portfolio-mid-year-in-review monthly 0.5 2022-12-12 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d26ccf01-2901-49c7-8b78-c06797609fd7/IMG_6102+%281%29.jpeg Navigating Finances as a HCP Blog - 2022 Portfolio Mid Year In Review - Let's take a look under the hood and see how my portfolio has performed. Please note that a common benchmark used in investing is the performance of the Standard and Poor ( S&P) 500 index. The S&P 500 in 2022 declined 13.30% or - 13.30% year to date (YTD). The NASDAQ Composite Index declined 28.87% or - 28.87% YTD. Why am I sharing my own portfolio's performance with you? In our society, I believe we don't talk about the concepts of money or investing enough. It's often considered a taboo topic. I frankly think that's a reason why many of us struggle with it. I'm an amateur investor, who makes PLENTY of mistakes, who mismanages my own time and am learning alongside you. I hope it will provide you with a layer of transparency that is utterly lacking in this area. Investing is not always sunshine and rainbows, there are plenty of dark days, months, and even years. I believe it is what you do, or what you do not do, that has more of an impact in the long term. I’ll see you all in six months for my 2022 Portfolio Year in Review. If you want to take a glimpse of how the portfolio faired in 2021, check it out here. https://www.financiallyfulfilledphysio.com/resources/the-people-who-have-shaped-me monthly 0.5 2024-02-14 https://www.financiallyfulfilledphysio.com/resources/what-should-i-do-with-my-money monthly 0.5 2024-02-14 https://www.financiallyfulfilledphysio.com/resources/2021-portfolio-year-in-review monthly 0.5 2022-08-21 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d26ccf01-2901-49c7-8b78-c06797609fd7/IMG_6102+%281%29.jpeg Navigating Finances as a HCP Blog - 2021 Portfolio Year In Review - Let's take a look under the hood and see how the portfolio performed. Please note that a common benchmark used in investing is the performance of the Standard and Poor ( S&P) 500 index. The S&P 500 in 2021 rose 26.89%. Why am I sharing my own portfolio's performance with you? In our society, I believe we don't talk about the concepts of money or investing enough. It's often considered a taboo topic. I frankly think that's a reason why many of us struggle with it. I'm an amateur investor, who makes PLENTY of mistakes, who mismanages my own time, and am learning alongside you. I hope it will provide you with a layer of transparency that is utterly lacking in this area. https://www.financiallyfulfilledphysio.com/resources/2021-year-in-review-stock-options-trading monthly 0.5 2024-02-14 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/83d79e58-c75e-4768-b178-d870ed6b5306/C71B3D4C-ED51-4D80-AFAA-ED6EE4B6E6C1_1_201_a.jpg Navigating Finances as a HCP Blog - 2021 Stock Options Trading Year In Review - As you have probably heard me say a few times by now, increasing your revenue streams is paramount to reaching financial fulfillment. Outside of obtaining streams through my active physiotherapy income and real estate, I turned to learn about stock options after playing golf with Mark Loeffler and Josh Doyle and witnessing them earn income while draining putts. Needless to say, I was intrigued but had no clue where to begin. Another bonus surrounding yourself with a strong network of like-minded people is that they usually have trusted referrals that have catapulted them into their current position. Their referral was to a local company called Theta Trading I completed the entry-level course in Dec 2020 and spent two months trading with paper ‘not real’ money on the brokerage account. I made my first live ‘real’ trade on Jan 26 2021. Early Dec 2021 (as seen by the photos on the right) I attended their annual event. I was able to connect with a room full of like-minded people brought together with a common purpose; generating income to protect their time so they can live life on their terms. In an effort to continue my mission of providing transparency, I have listed below the details of the last 11 months of my trading. My goal in sharing this information is to showcase the possibilities available that are not readily taught in traditional education that can allow anyone with an internet connection and a sound strategy to generate income. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/b82cdafc-6b18-4eb0-b225-1c7b7e2762f5/Theta-logo-Blue+%28New%29.png Navigating Finances as a HCP Blog - 2021 Stock Options Trading Year In Review https://www.financiallyfulfilledphysio.com/resources/spreadsheets-i-use-regularly monthly 0.5 2024-02-14 https://www.financiallyfulfilledphysio.com/resources/why-my-why-is monthly 0.5 2024-02-14 https://www.financiallyfulfilledphysio.com/resources/tag/naked+puts monthly 0.5 https://www.financiallyfulfilledphysio.com/resources/tag/Financial+Freedom monthly 0.5 https://www.financiallyfulfilledphysio.com/resources/tag/fine+art monthly 0.5 https://www.financiallyfulfilledphysio.com/resources/tag/taxes monthly 0.5 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Consultation https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/33f4f0b6-ce84-4908-a13e-6e6f880cfa82/Untitled+design+%282%29.png Consultation https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/0941b5b2-ecc1-4da7-b700-8d12f93d1baf/PXL_20250210_192941662.jpg Consultation https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/d48a8e94-585e-4d90-873f-8ecd69c61678/IMG_1531.jpeg Consultation https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/ddc3b15d-41c4-421e-af1e-70a63d76303e/image000002.jpeg Consultation https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/f2cf2521-9ac5-4dfd-b457-63ed08c29e10/IMG_0916.jpeg Consultation https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/90814b5c-e6d7-4b4c-bea6-8123e440194f/FFP+Thinking+Looking+UP+BTC+Coffee.png Consultation In 2019 I switched clinics and had to rebuild a caseload from the bottom, 2020 the world stopped, my income took a nosedive (clinic closures), yet my net worth continues to rise. Why? The exact values in the graph below have been changed for privacy reasons but the trendline is accurate. 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https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/124a6886-0245-46a1-b452-e9b54e69cc9a/Image+2025-05-09+at+5.01%E2%80%AFPM.jpeg Intermediate Course https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/863daa2a-798b-4551-baf6-1a887fb2c72f/Screenshot+2025-06-16+at+6.14.35%E2%80%AFPM.png Intermediate Course https://www.financiallyfulfilledphysio.com/good-will-and-charity daily 0.75 2022-05-15 https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1625433875581-EOL4P8FLNLG9XHG84HSK/unsplash-image-A4Ax1ApccfA.jpg Good Will and Charity - The Dream Dealer. Mike, the son of an immigrant farmer from Chihuahua, Mexico started The Dream Dealer in 2009. It started off by him selling off all of his personal belongings to fund trips to Ukraine and Haiti. Now The Dream Dealer has teams of workers in both places as well as here in Canada. Since then he married the love of his life Colleen and they have been actively pursuing their calling to help the poor, orphans, widows, homeless, and anyone who has been disenfranchised by poverty or sickness. https://images.squarespace-cdn.com/content/v1/60ce148683df9d246ad8470c/1633794872836-Y9TKQIR4636X8ITSHNIV/unsplash-image-BErJJL_KsjA.jpg Good Will and Charity - Our Responsibility I’ve been extremely fortunate to be raised in Canada and I’ve had an exceptional upbringing bestowed on me by the sacrifices made by my parents. In saying that, I believe it is my social responsibility to effect positive change on those who are less fortunate. 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