19 Quick Thoughts About Finances (and life)

The month of October was busy for my practice. 

 Lots of questions from people on Instagram, lots happening behind the scenes, and just a lot of activity all around. 

 It feels good to slow down for a minute and write this to you. 

 Here are some of my thoughts about money, mindset, and the world we’re living in right now. 

1. People don’t just come to me for financial expertise. They come for accountability, security, and validation, to feel seen, supported, and confident that they’re doing the right thing. 

   
   

2. My Instagram content always has an undertone of mental toughness. I push people just enough to take action, to book the call, to finally get their finances organized, to stop avoiding it. Most people are right on the edge of “I have money now, but what do I do with it?”

   
   

3. I lead with empathy, even when I expect people to rise to the occasion. I’m practical about who I can work with, but I believe time spent helping someone figure out their next step, even if it doesn’t lead to anything for me, always comes back around. 

   
   

4. You’re probably stretched thinner than ever. Work, kids, parents, relationships, trying to stay healthy. Don’t wait to do what brings you joy. The small things that make you feel alive again matter more than you realize. 

   
   

5. Life is fragile. My neighbour’s adult children had to call an ambulance for their 70-year-old mother who suddenly collapsed. It was a reminder to get your estate in order, and talk to your parents about theirs. Have open conversations about where key documents are kept, who their executor is, and what their wishes are. The hardest time to find out this information is when it’s already too late. 

   
   

6. AI tools like ChatGPT are incredible, but they’re also making people lazy. Same with investing apps like Wealthsimple. It’s easy to start, but when real money’s on the line, people freeze. “Top 10 ETF lists” aren’t financial advice. Context matters. 

   
   

7. Fraud is becoming harder to spot. Someone told me about a 38-year-old who lost $15,000 to a scam pretending to be Scotiabank. Never click links from texts or emails, always call the number on the company’s official website, and if something feels off, trust that instinct. 

   
   

8. We’re living longer, but we’re also getting sicker younger. My friend’s 33-year-old cousin, a mom of two toddlers, was recently diagnosed with stage 3 breast cancer. Get screened regularly, and make sure you have disability and critical illness insurance. These aren’t luxuries, they’re necessities during your working years. Protect your income, not just your assets.

   
   

9. The wealthiest clients I have are the most consistent ones. They automate their savings, no matter how small. It’s boring, but it works. 

   
   

10. The saddest stories are from those who waited too long. Don’t be that person who hits 70 and panics. Even if you’re in debt, you have time to rebuild, but only if you start now. 

    
    

11. Instagram is a goldmine. I was told it wouldn’t work because “wealthy people aren’t on Instagram.” They were wrong. I’ve met clients with seven-figure portfolios who found me there. If you’re in business, take social media seriously. 

    
    

12. If you’re self-employed, you can’t wing it. You need to understand your numbers, your taxes, and how to get money out of your corporation efficiently. That includes insurance strategies and, for some, IPPs. 

    
    

13. The app Threads is different.. The same post that brings DMs on Instagram can get shredded on Threads. I'm not sure why people are more angry there, but don’t be scared to put yourself out there. Once you get your first few irate keyboard warriors, you realize how little it matters. 

    
    

14. Most people don’t really understand CPP or OAS until their 50s. Learn early, even if it’s just the basics. You’ll retire calmer.

     

15. If you live in Canada, you’re lucky. It’s not perfect, but we have safety, clean water, healthcare, and opportunity. Keep that perspective. 

    
    

16. Your parents’ money beliefs aren’t facts. 

    “RRSPs are scams.” 

    “Stocks are gambling.” 

    “You don’t need life insurance.” 

    Drop those narratives. Educate yourself. You get to write your own financial story.

    
    

17. Use your energy while you have it. You’ll never regret investing in your health or your future self. 

    
    

18. You probably deserve a raise. Don’t settle because you’re comfortable. The biggest income jumps often come from switching companies or finally asking for what you’re worth. 

    
    

19. Build your intuition muscle. Some of my most successful clients, in their portfolios, businesses, health, and life, didn’t need a long pitch from me to move over. They just knew I’d take care of them. On the other hand, those with smaller portfolios tend to be the most skeptical, often talking themselves out of opportunities before they even start.

If one of these hit home, don’t overthink it. Act on it.

If you’re ready to get organized financially, book a quick intro call with me below.