Are you overpaying for insurance and not getting enough coverage?
When I start working with a new client, I’ll often try to find a few small wins to build momentum. An easy one that comes up all the time is related to insurance. Often people have collected a few different types of insurance over the years that don’t really make...
Your financial goals should be meaningful and specific.
If you want to reach your goals and build real wealth, you need to be consistent for a long time. To remain consistent over a long period of time, you need to be working toward the things you care about most. That’s where your personal finance journey begins. Not with...
You shouldn’t have all your money in the Canadian market
You shouldn’t have all your investments in the Canadian stock market. If you were British, would you have all your investments in the UK market? What if you were Chinese, Brazilian, or Russian? Would seem kinda risky, wouldn’t it? The Canadian market is no different....
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5 Ways to Kickstart Wealth Building
Here are some things to focus on when you’re just getting started with growing your wealth: 1. Keep your expenses as low as possible (live at home a year longer, drive your old car til it dies, etc.) 2. Become an owner as quickly as possible (real estate, stocks,...
Why It’s So Hard to Spend Less Than You Earn
Spending less than you earn is the key to growing your wealth over time. This article explains why that’s so hard to do and how you can make it easier.
You should treat stock prices like home prices.
Some of the best investors I know don’t check the markets regularly. Most of the time they don’t look because they don’t care. They’re not day traders. They’re long-term investors who are going to continue to invest regularly for the foreseeable future regardless of...
The Best Way to Buy Anything and Everything
A powerful strategy for making all your purchases while also growing your net worth.
7 Money Mindsets That Hold People Back
Money isn’t just a mental game. Your income, cost of living, how early you started saving, whether you had wealthy parents—all this stuff matters. But more often than not, what’s really holding people back is how they think about money and how they see their...
2021 Annual Letter: What Money Can Buy
2021 was big. Tallkirk Financial Group Inc. was born, as were my twins, Liam and Keira (or was that the year before? Who even knows anymore. Is time even real?). I also switched to a new investment platform, hired my best friend Steele to be head of communications,...
Why You Get a Bad Deal at the Bank (And how to get a better one)
Banks are good and useful. They’re also terrible and parasitic. When’s the last time you asked whether your bank is taking more than it gives? When’s the last time you considered whether you’re getting a good deal? You likely don’t ask these questions...
How I Use My Life Insurance to Build Wealth
Most people think about life insurance all wrong. They think it’s a cost, but it can be a valuable asset. They think it’s only useful when you die, but it can be incredibly useful today. They focus only on the death benefit, ignore its current cash value,...
How Marylyn Halved Her Debt in Less Than Three Years
Three years ago Marylyn was living paycheque to paycheque. She didn't know how much money was coming in or going out. With over 50k in debt, she felt overwhelmed. She was losing track of bills, cheques were starting to bounce and her bank was no help. She knew...
How to Invest During Crisis
Many people are hurting right now in the finance department. But if you're lucky, you might still have a decent-paying job and some extra cash, and find yourself wondering how best to invest. As Winnie Churchill said, crisis creates opportunity. Let's talk...
How to Get Rid of Your Mortgage Faster Than Most People
Look, having your mortgage paid off is huge. Huge in terms of quality of life and peace of mind. That’s what this article is about. Now, before we hop to it, some people will be quick to point out that paying off your mortgage faster might not make sense on...
3 Quick Calls That Will Save You Cash During Covid
Geico had the right idea. But they way undersold it. A few 15-minute conversations could save you a helluva lot more than 15% on car insurance. With this demon virus making a mess of the economy, millions of people suddenly find themselves out of work,...