As you make more, save more.
As you progress in your career, with any luck, you’ll make more and more money. But if you’re not careful, you’ll also spend more and more money and end up not getting any closer to your long-term financial goals. It’s a really easy trap to fall into. The key to...
RRSPs are the most overrated way to save for retirement.
RRSPs are the most overrated way to save for retirement. Partly it’s because retirement is in the name, so everyone assumes it’s the best place to start. Partly it’s accountants who like to push the immediate tax benefit (which is cool, don’t get me wrong, but you...
The Saving and Spending Pickle
The pickle that young people find themselves in is that when you’re young is arguably both: 1. The best time to invest (because that way the money has the longest to grow and build on itself) 2. And the best time to spend (you’re healthy and curious, it makes sense...
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What happens when your motivation disappears?
Motivation to improve your financial situation comes and goes, just like with dieting, exercise, reading, and just about everything else in life. You decide it’s time to make a change, you open up a spreadsheet and start tracking all your expenses. You open an...
Dream big. Think long term.
When you’re not making progress toward your financial goals and you’re struggling to keep up with your bills, your world tends to get smaller. You slowly start thinking in shorter and shorter periods, about making it to next week, and gradually give up on your bigger,...
10 Reasons People Work With Us
10 common reasons people come to work with us at Tallkirk Financial Group Inc.: 1. They had a bad experience at the bank 2. Their interaction with their insurance agent left a bad taste in their mouth 3. They want to do the right thing, but aren’t sure where to start...
As you make more, save more.
As you progress in your career, with any luck, you’ll make more and more money. But if you’re not careful, you’ll also spend more and more money and end up not getting any closer to your long-term financial goals. It’s a really easy trap to fall into. The key to...
RRSPs are the most overrated way to save for retirement.
RRSPs are the most overrated way to save for retirement. Partly it’s because retirement is in the name, so everyone assumes it’s the best place to start. Partly it’s accountants who like to push the immediate tax benefit (which is cool, don’t get me wrong, but you...
The Saving and Spending Pickle
The pickle that young people find themselves in is that when you’re young is arguably both: 1. The best time to invest (because that way the money has the longest to grow and build on itself) 2. And the best time to spend (you’re healthy and curious, it makes sense...
How do you reduce your risk of losing money in the market?
The best way to reduce your risk of losing money in the market is to: 1. Invest in different buckets of assets that reliably grow over time 2. Regularly rebalance between those buckets 3. Hold your investments for as long as possible In the next two months, the market...
No one’s finances are perfect.
One of the big things that holds people back from getting help with their finances is their fear of being judged for not having everything more together. They’re worried about how their credit card debt is going to look. Or feel silly that they’ve waited so long to...
Plan for the future. Don’t compromise on it.
I love my twin toddlers and would do anything for them. But I also don’t want to have to delay my retirement by five years or take out a second mortgage just so they can afford to get a good education. And the good news is that I won’t! That’s the value of financial...
It’s not just you. Insurance is super confusing for just about everybody.
Insurance is ridiculously confusing. I spend lots of my days talking to people about their needs, researching different policy options at different institutions, playing with the various calculators, figuring out what makes the most sense…and it’s still super...
Normal people can become millionaires.
Becoming a millionaire shouldn’t feel unrealistic to you. Because the reality is that with the rising cost of living, most people are going to need to be millionaires to retire comfortably. The exact number is going to depend on how old you are now, how much income...
What would you do if your kids got sick?
When my twins were first born, they were too small to immediately come home. They were born prematurely, so my wife and I spent weeks just being there with them in the hospital. That was all we could really do. Going through that experience made me realize that if...