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The Personal Finance Show

Beau Humphreys

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The Personal Finance Show
The Personal Finance Show

The Personal Finance Show

Beau Humphreys

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Followers
1
Plays
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The Personal Finance Show is a place for people to tell their personal finance stories. Everyone has a personal finance story.

Latest Episodes

100 - Financial Privilege

This is the 100th episode of The Personal Finance Show! My special guests today are Tanja Hester and Kara Perez, the hosts of my favourite podcast, The Fairer Cents, and James Mwombela, who is a CFP and Associate Planner at Grid 202 Partners. Episode 100 isn’t about someone’s personal finance story. It’s about an important personal finance topic. Today’s topic is financial privilege. My goal with this episode was to encourage you to think about privilege and how it affects your life and your finances. Most people understand obvious financial privilege. If you come from a wealthy family, you have an easier time than someone who doesn’t come from money. Having to work as a teenager to pay bills is very different than choosing to work as a teenager to buy the things your parents won’t buy you. Graduating with student loans puts you in a very different financial starting position from someone who’s parents saved up and paid for their schooling. Working to save for retirement is very different from working to pay your bills and make the minimum payments on your credit cards. But as we discussed in the episode, there are also less obvious layers of privilege, like your gender, the colour of your skin, or whether you are an immigrant, which may affect your ability to make money. Like Darryl Brown from episode 93 of the show who didn’t think that anyone would want him to be their financial advisor because he’s black. Or Nico Barawid from episode 67 who’s parents were both doctors, but were discriminated against financially because they had immigrated from the Phillipines. There is still a lot of work to be done to increase Indigenous people's access to culturally relevant financial education resources, as Bettina Schneider and I discussed in episode 95. Women are 80% more likely to live in poverty in retirement than men, as Saijal Patel mentioned in episode 77. This is not surprising if you consider that women only gained the right to open a bank account in the 1960s. The Equal Credit Opportunity Act was only enacted in 1974, which made it unlawful for a creditor to discriminate against any applicant on the basis of race, gender, religion, national origin, marital status, or age. Think about that for a second - 45 years ago, it was so normal to financially discriminate against anyone who wasn’t a white male, that they actually had to make a law to tell financial institutions to stop being racist and sexist. On the other hand, white men have been able to open bank accounts and get credit since banks were invented hundreds of years ago. And it’s not like everyone stopped being racist and sexist on the day the law came out. As we discussed in the episode, this discrimination still exists, though it’s not as explicit as it once was. I’ve never met anyone who doesn’t think this is a problem. There isn’t anyone I know who would explicitly say that they don’t believe everyone should have equal opportunity to make money and build wealth. So let’s do something about it. Let’s talk about it on podcasts like this. If you have the opportunity to use your privilege for good, to help someone who might have less advantages than you, do that. Remember that privilege is just perception. There’s no logical reason why gender or race or all of the other differences we mentioned should impact your ability to make money. It’s all in our heads and to stop it we need to change our thinking and our actions. So that’s my 100th episode. I’ll be back in November 2019 with new episodes so if you haven’t subscribed to the podcast, please do that now, so you know when the new episodes are up. If you liked this episode, check out the other 99 episodes and please leave me a review on Apple Podcasts. And if you have any questions or just want to say hello, you can always email me at beau@beauhumphreys.com. Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Persona

47 MINSEP 19
Comments
100 - Financial Privilege

99 - Beth MacMillan

Beth MacMillan wants you to prioritize travel. In 2011, Beth and her husband, Mark, decided to use their saved up money and take a 6 month honeymoon around the world. You don’t have to save $20,000 and buy round-the-world tickets like Beth did, but if you’re interested in travel at all, you can pick up a lot of tips by listening to Beth’s story. To be able to travel, you need 2 things, time and money. Maybe you have the time, but not the money, so you feel like you can’t afford to go anywhere. Maybe you have the money, but not the time, so you can just fly somewhere for a weekend or a week and it doesn’t seem worth the effort. There will always be barriers to travel, and if you have disposable income, there are a million things you can spend your money on instead of travelling. However, if you have the desire to travel, there are ways to make it a priority in your life. Every time you have extra money, you make a choice to use that money for something that is important to you. It doesn’t have to be a lot of money, as Beth and I discuss in the episode. For Beth, travel was always top of the list. Maybe you’re the same. Maybe you don’t even realize it yet because you haven’t been anywhere. Personally I believe every dollar spent on travelling is totally worth it. The “return on investment” of travel isn’t dollars but it’s a higher quality of life. But that’s just me. And Beth, of course. P.S. If you want to ask Beth any questions about travel or concussions, you can email her here. NEXT EPISODE 100 - Financial Privilege with Tanja Hester, Kara Perez, and James Mwombela Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

60 MINSEP 12
Comments
99 - Beth MacMillan

98 - Sarah Li Cain

Sarah Li Cain wants you to be open to opportunities and to make independence a priority. Sarah was born in Hong Kong, grew up in Canada, has lived in Australia, South Korea and China, and is currently in the US. Sarah worked mainly as a teacher, but the key to her survival and success was to be open to opportunities along the way. Knowing that she couldn’t be a teacher in the US if she moved there from China with her husband and new son, Sarah looked into ways to make money online. Sarah ended up finding freelance writing as something she could do from anywhere in the world and focused on personal finance writing. Today, Sarah makes over $100,000 a year working part-time from home, creating content for financial brands and online publications. It’s not easy to create in-demand content and get paid for it, but her desires to be independent and to be free to spend her time the way she wants, keep her on track. Sarah is also the host of the Beyond the Dollar podcast, where she has deep and honest conversations about how money affects our well-being. Sarah joined me from Jacksonville, Florida to share her personal finance story. NEXT EPISODE 99 - Beth MacMillan Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

59 MINSEP 5
Comments
98 - Sarah Li Cain

97 - Bridget Casey

EBridget Casey wants us all to get rich together. The good news is that Bridget already did most of the work for you. All you have to do is follow her instructions. You don’t have to spend years studying the stock market and get an MBA in finance. She already did that so you don’t have to. Bridget took all of her personal finance skills and education and spent countless hours crafting online courses for you. Her stand-out course is called the Six-Figure Stock Portfolio. She created this course because there’s nothing like it online right now and as you heard in the intro clip, her students are doing very well. Bridget started her website Money After Graduation in 2012 and today she has over 3,000 visitors per day. Bridget also makes personal finance videos on YouTube where she has over 6,500 subscribers and over 500,000 views of her videos. Bridget joined me from Edmonton, Alberta to share her personal finance story. NEXT EPISODE 98 - Sarah Li Cain Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

69 MINAUG 29
Comments
97 - Bridget Casey

96 - Erin Lowry

Erin Lowry wants you to know that words have power, especially when it comes to your money. Saving and investing are not the same thing. For example, if someone is saving for retirement, they might not even be aware that they are actually investing their money. Very few people put their retirement money in a savings account. It’s much more likely that if you have your retirement money invested in an index fund, or some kind of portfolio of stocks and bonds that are subject to risk and growth. But if we keep using the word “save” when we talk about retirement, we miss the opportunity to learn about our investments. If we say “invest” for retirement, you might be triggered to ask “What’s my money invested in?” You might be thinking, Beau, everyone knows the difference between saving and investing, and people know where their retirement money is invested. Unfortunately, that’s just not true. I read yesterday that 40% of Canadians keep their TFSA contributions in a simple savings account. Why are Canadians doing this? Well, it’s in the name. TFSA stands for Tax-Free Savings Account. The Canadian government called it a savings account. But it’s not a savings account. It’s a tax shelter. Where the RRSP, or Registered Retirement Savings Plan, was created to save you taxes now, only for you to pay them later when you withdraw money in retirement, the TFSA allows you to take after-tax money you already have and protect it from ever being taxed again. So the TFSA is not for savings, because savings might grow, if you’re lucky, at 1% per year. You can afford the taxes on 1%. What you want in your TFSA is your highest growth investments. If you have $10,000 in Canadian bank stocks, for example, and you say they are part of your TFSA, and then grow by 10% this year, you pay no tax on that 10%. Not this year or any year after that. That $10,000 could grow to $100,000 and you never pay any tax. So should this program created to shelter your investment growth from future taxes be called a Tax-Free Savings Account? Absolutely not. It’s a terrible name and it’s confusing Canadians. Words have power. Like the words "broke" and "poor" are not the same thing. This is something that Erin and I discuss in the episode, as she has now written two books: the first one is called Broke Millennial and the most recent one is Broke Millennial Takes on Investing. And there’s a third book in the series coming soon, which we also discuss in the episode. Erin joined me from New York City to share her personal finance story. NEXT EPISODE 97 - Bridget Casey Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

60 MINAUG 22
Comments
96 - Erin Lowry

95 - Bettina Schneider

Bettina Schneider wants you to understand the impact your values, histories and life experiences have on your financial decision-making processes. Bettina has a PhD in Native American Studies and is currently Associate Professor and Associate Vice President Academic at First Nations University of Canada. Bettina spends a lot of her time contemplating the following questions: How can we increase Indigenous people's access to culturally relevant financial education resources? How can we reframe the way we talk about financial literacy and personal finance in order to make it more accessible to a wider audience?Bettina believes that financial literacy resources do not always speak to the varied values and experiences of their audience and would like to see more of those resources explore how people's "money culture" impacts the way they relate to money. Bettina joined me from Regina, Saskatchewan to share her personal finance story NEXT EPISODE 96 - Erin Lowry Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

59 MINAUG 15
Comments
95 - Bettina Schneider

94 - Joe Saul-Sehy

Joe Saul-Sehy wants you to learn about money, but he doesn’t want you to think you’re learning anything. Joe is the creator and co-host of The Stacking Benjamins Show, one of the top personal finance podcasts in North America. Joe also co-hosts a new podcast called Money in the Morning. The running joke on Stacking Benjamins is that you won’t learn anything about money by listening to the show, and if you do learn something, you should keep it to yourself. Joe figured out a way to make personal finance fun and entertaining, and somehow got over 130,000 people to subscribe to the Stacking Benjamins podcast along the way. But Joe’s history with money is not all sunshine and roses. He’s made his share of money mistakes over the years and that’s what makes him so effective as a host of a personal finance podcast. I’m very happy to have Joe on the show and I’m flattered that he has invited me to be on the infamous Stacking Benjamins roundtable coming up on a Friday sometime in the next few months. Joe joined me from Detroit, Michigan to share his personal finance story. NEXT EPISODE 95 - Bettina Schneider Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

73 MINAUG 8
Comments
94 - Joe Saul-Sehy

93 - Darryl Brown

Darryl Brown wants you to stop complaining about bad financial advice and do something about it. If you walk into a bank, give them money, don’t ask questions and do zero research on investing, then you’ve pretty much given up your right to complain if you’re not happy with the results. Instead of complaining about things, let’s be proactive. This is your money. It’s important. You work hard for it. So why not spend a bit of time on it. Yes, I’ve said this a lot. I know it’s hard to do the work yourself. It takes time and a personal interest in investing. So it might make more sense for you to pay someone a fee to help you figure it all out. And this is where a lot of people get confused. They think that walking into a bank or going to a company that sells financial products is the best way to invest their money in a way that achieves their financial goals. They don’t charge upfront fees so that sounds great to most people. But as I’ve said many times, if a financial servic...

64 MINAUG 1
Comments
93 - Darryl Brown

92 - Kelley Keehn

Kelley Keehn wants you to feel good about your money. To feel good about your money, you have to educate yourself, ideally as early as possible. Before you sign up for a credit card, read a ton about credit cards and how they work. Before you buy a house or a condo, listen to podcasts about the pros and cons of buying real estate. There are so many personal finance resources out there today, and people like Kelley, who are dedicated to educating people about money. Kelley has written 9 books and has a 10th on the way called Talk Money To Me, which will be published in December 2019. When Kelley was younger, she didn’t have the personal finance resources that we have today. She had to learn about money through trial and error. Today, Kelley spends a lot of her time trying to change people’s thinking about money so that they don’t fall into the same traps that she did. Kelley joined me from Edmonton, Alberta to share her personal finance story. NEXT EPISODE 93 - Darryl Brown Click ...

59 MINJUL 25
Comments
92 - Kelley Keehn

91 - Robert Brown

Robert Brown wants you to not be afraid of a little hard work. Robert grew up on a dairy farm. His father worked the farm while also working a full-time job at General Motors. Robert learned about working for money early and also about patience and delayed gratification. There are a lot of things that we buy today with borrowed money that we could easily put off until we have money in the bank, and we might even get a better deal if we wait. Robert realized over time that many Canadians hadn’t learned what he did on the farm and as a result they were spending money before they earned it, and doing things like buying houses they actually couldn’t afford. They didn’t understand the concept of compound interest or how to save for the future while still being able to live a comfortable life today. After over 25 years of working in the restaurant and food service industries, Robert decided to write a book about personal finance. He would write it in a way that Canadians would understand. The book he wrote is called Wealthing Like Rabbits and it’s now a Canadian bestseller. Robert joined me from Ajax, Ontario to share his personal finance story. NEXT EPISODE 92 - Kelley Keehn Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

70 MINJUL 18
Comments
91 - Robert Brown

Latest Episodes

100 - Financial Privilege

This is the 100th episode of The Personal Finance Show! My special guests today are Tanja Hester and Kara Perez, the hosts of my favourite podcast, The Fairer Cents, and James Mwombela, who is a CFP and Associate Planner at Grid 202 Partners. Episode 100 isn’t about someone’s personal finance story. It’s about an important personal finance topic. Today’s topic is financial privilege. My goal with this episode was to encourage you to think about privilege and how it affects your life and your finances. Most people understand obvious financial privilege. If you come from a wealthy family, you have an easier time than someone who doesn’t come from money. Having to work as a teenager to pay bills is very different than choosing to work as a teenager to buy the things your parents won’t buy you. Graduating with student loans puts you in a very different financial starting position from someone who’s parents saved up and paid for their schooling. Working to save for retirement is very different from working to pay your bills and make the minimum payments on your credit cards. But as we discussed in the episode, there are also less obvious layers of privilege, like your gender, the colour of your skin, or whether you are an immigrant, which may affect your ability to make money. Like Darryl Brown from episode 93 of the show who didn’t think that anyone would want him to be their financial advisor because he’s black. Or Nico Barawid from episode 67 who’s parents were both doctors, but were discriminated against financially because they had immigrated from the Phillipines. There is still a lot of work to be done to increase Indigenous people's access to culturally relevant financial education resources, as Bettina Schneider and I discussed in episode 95. Women are 80% more likely to live in poverty in retirement than men, as Saijal Patel mentioned in episode 77. This is not surprising if you consider that women only gained the right to open a bank account in the 1960s. The Equal Credit Opportunity Act was only enacted in 1974, which made it unlawful for a creditor to discriminate against any applicant on the basis of race, gender, religion, national origin, marital status, or age. Think about that for a second - 45 years ago, it was so normal to financially discriminate against anyone who wasn’t a white male, that they actually had to make a law to tell financial institutions to stop being racist and sexist. On the other hand, white men have been able to open bank accounts and get credit since banks were invented hundreds of years ago. And it’s not like everyone stopped being racist and sexist on the day the law came out. As we discussed in the episode, this discrimination still exists, though it’s not as explicit as it once was. I’ve never met anyone who doesn’t think this is a problem. There isn’t anyone I know who would explicitly say that they don’t believe everyone should have equal opportunity to make money and build wealth. So let’s do something about it. Let’s talk about it on podcasts like this. If you have the opportunity to use your privilege for good, to help someone who might have less advantages than you, do that. Remember that privilege is just perception. There’s no logical reason why gender or race or all of the other differences we mentioned should impact your ability to make money. It’s all in our heads and to stop it we need to change our thinking and our actions. So that’s my 100th episode. I’ll be back in November 2019 with new episodes so if you haven’t subscribed to the podcast, please do that now, so you know when the new episodes are up. If you liked this episode, check out the other 99 episodes and please leave me a review on Apple Podcasts. And if you have any questions or just want to say hello, you can always email me at beau@beauhumphreys.com. Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Persona

47 MINSEP 19
Comments
100 - Financial Privilege

99 - Beth MacMillan

Beth MacMillan wants you to prioritize travel. In 2011, Beth and her husband, Mark, decided to use their saved up money and take a 6 month honeymoon around the world. You don’t have to save $20,000 and buy round-the-world tickets like Beth did, but if you’re interested in travel at all, you can pick up a lot of tips by listening to Beth’s story. To be able to travel, you need 2 things, time and money. Maybe you have the time, but not the money, so you feel like you can’t afford to go anywhere. Maybe you have the money, but not the time, so you can just fly somewhere for a weekend or a week and it doesn’t seem worth the effort. There will always be barriers to travel, and if you have disposable income, there are a million things you can spend your money on instead of travelling. However, if you have the desire to travel, there are ways to make it a priority in your life. Every time you have extra money, you make a choice to use that money for something that is important to you. It doesn’t have to be a lot of money, as Beth and I discuss in the episode. For Beth, travel was always top of the list. Maybe you’re the same. Maybe you don’t even realize it yet because you haven’t been anywhere. Personally I believe every dollar spent on travelling is totally worth it. The “return on investment” of travel isn’t dollars but it’s a higher quality of life. But that’s just me. And Beth, of course. P.S. If you want to ask Beth any questions about travel or concussions, you can email her here. NEXT EPISODE 100 - Financial Privilege with Tanja Hester, Kara Perez, and James Mwombela Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

60 MINSEP 12
Comments
99 - Beth MacMillan

98 - Sarah Li Cain

Sarah Li Cain wants you to be open to opportunities and to make independence a priority. Sarah was born in Hong Kong, grew up in Canada, has lived in Australia, South Korea and China, and is currently in the US. Sarah worked mainly as a teacher, but the key to her survival and success was to be open to opportunities along the way. Knowing that she couldn’t be a teacher in the US if she moved there from China with her husband and new son, Sarah looked into ways to make money online. Sarah ended up finding freelance writing as something she could do from anywhere in the world and focused on personal finance writing. Today, Sarah makes over $100,000 a year working part-time from home, creating content for financial brands and online publications. It’s not easy to create in-demand content and get paid for it, but her desires to be independent and to be free to spend her time the way she wants, keep her on track. Sarah is also the host of the Beyond the Dollar podcast, where she has deep and honest conversations about how money affects our well-being. Sarah joined me from Jacksonville, Florida to share her personal finance story. NEXT EPISODE 99 - Beth MacMillan Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

59 MINSEP 5
Comments
98 - Sarah Li Cain

97 - Bridget Casey

EBridget Casey wants us all to get rich together. The good news is that Bridget already did most of the work for you. All you have to do is follow her instructions. You don’t have to spend years studying the stock market and get an MBA in finance. She already did that so you don’t have to. Bridget took all of her personal finance skills and education and spent countless hours crafting online courses for you. Her stand-out course is called the Six-Figure Stock Portfolio. She created this course because there’s nothing like it online right now and as you heard in the intro clip, her students are doing very well. Bridget started her website Money After Graduation in 2012 and today she has over 3,000 visitors per day. Bridget also makes personal finance videos on YouTube where she has over 6,500 subscribers and over 500,000 views of her videos. Bridget joined me from Edmonton, Alberta to share her personal finance story. NEXT EPISODE 98 - Sarah Li Cain Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

69 MINAUG 29
Comments
97 - Bridget Casey

96 - Erin Lowry

Erin Lowry wants you to know that words have power, especially when it comes to your money. Saving and investing are not the same thing. For example, if someone is saving for retirement, they might not even be aware that they are actually investing their money. Very few people put their retirement money in a savings account. It’s much more likely that if you have your retirement money invested in an index fund, or some kind of portfolio of stocks and bonds that are subject to risk and growth. But if we keep using the word “save” when we talk about retirement, we miss the opportunity to learn about our investments. If we say “invest” for retirement, you might be triggered to ask “What’s my money invested in?” You might be thinking, Beau, everyone knows the difference between saving and investing, and people know where their retirement money is invested. Unfortunately, that’s just not true. I read yesterday that 40% of Canadians keep their TFSA contributions in a simple savings account. Why are Canadians doing this? Well, it’s in the name. TFSA stands for Tax-Free Savings Account. The Canadian government called it a savings account. But it’s not a savings account. It’s a tax shelter. Where the RRSP, or Registered Retirement Savings Plan, was created to save you taxes now, only for you to pay them later when you withdraw money in retirement, the TFSA allows you to take after-tax money you already have and protect it from ever being taxed again. So the TFSA is not for savings, because savings might grow, if you’re lucky, at 1% per year. You can afford the taxes on 1%. What you want in your TFSA is your highest growth investments. If you have $10,000 in Canadian bank stocks, for example, and you say they are part of your TFSA, and then grow by 10% this year, you pay no tax on that 10%. Not this year or any year after that. That $10,000 could grow to $100,000 and you never pay any tax. So should this program created to shelter your investment growth from future taxes be called a Tax-Free Savings Account? Absolutely not. It’s a terrible name and it’s confusing Canadians. Words have power. Like the words "broke" and "poor" are not the same thing. This is something that Erin and I discuss in the episode, as she has now written two books: the first one is called Broke Millennial and the most recent one is Broke Millennial Takes on Investing. And there’s a third book in the series coming soon, which we also discuss in the episode. Erin joined me from New York City to share her personal finance story. NEXT EPISODE 97 - Bridget Casey Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

60 MINAUG 22
Comments
96 - Erin Lowry

95 - Bettina Schneider

Bettina Schneider wants you to understand the impact your values, histories and life experiences have on your financial decision-making processes. Bettina has a PhD in Native American Studies and is currently Associate Professor and Associate Vice President Academic at First Nations University of Canada. Bettina spends a lot of her time contemplating the following questions: How can we increase Indigenous people's access to culturally relevant financial education resources? How can we reframe the way we talk about financial literacy and personal finance in order to make it more accessible to a wider audience?Bettina believes that financial literacy resources do not always speak to the varied values and experiences of their audience and would like to see more of those resources explore how people's "money culture" impacts the way they relate to money. Bettina joined me from Regina, Saskatchewan to share her personal finance story NEXT EPISODE 96 - Erin Lowry Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

59 MINAUG 15
Comments
95 - Bettina Schneider

94 - Joe Saul-Sehy

Joe Saul-Sehy wants you to learn about money, but he doesn’t want you to think you’re learning anything. Joe is the creator and co-host of The Stacking Benjamins Show, one of the top personal finance podcasts in North America. Joe also co-hosts a new podcast called Money in the Morning. The running joke on Stacking Benjamins is that you won’t learn anything about money by listening to the show, and if you do learn something, you should keep it to yourself. Joe figured out a way to make personal finance fun and entertaining, and somehow got over 130,000 people to subscribe to the Stacking Benjamins podcast along the way. But Joe’s history with money is not all sunshine and roses. He’s made his share of money mistakes over the years and that’s what makes him so effective as a host of a personal finance podcast. I’m very happy to have Joe on the show and I’m flattered that he has invited me to be on the infamous Stacking Benjamins roundtable coming up on a Friday sometime in the next few months. Joe joined me from Detroit, Michigan to share his personal finance story. NEXT EPISODE 95 - Bettina Schneider Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

73 MINAUG 8
Comments
94 - Joe Saul-Sehy

93 - Darryl Brown

Darryl Brown wants you to stop complaining about bad financial advice and do something about it. If you walk into a bank, give them money, don’t ask questions and do zero research on investing, then you’ve pretty much given up your right to complain if you’re not happy with the results. Instead of complaining about things, let’s be proactive. This is your money. It’s important. You work hard for it. So why not spend a bit of time on it. Yes, I’ve said this a lot. I know it’s hard to do the work yourself. It takes time and a personal interest in investing. So it might make more sense for you to pay someone a fee to help you figure it all out. And this is where a lot of people get confused. They think that walking into a bank or going to a company that sells financial products is the best way to invest their money in a way that achieves their financial goals. They don’t charge upfront fees so that sounds great to most people. But as I’ve said many times, if a financial servic...

64 MINAUG 1
Comments
93 - Darryl Brown

92 - Kelley Keehn

Kelley Keehn wants you to feel good about your money. To feel good about your money, you have to educate yourself, ideally as early as possible. Before you sign up for a credit card, read a ton about credit cards and how they work. Before you buy a house or a condo, listen to podcasts about the pros and cons of buying real estate. There are so many personal finance resources out there today, and people like Kelley, who are dedicated to educating people about money. Kelley has written 9 books and has a 10th on the way called Talk Money To Me, which will be published in December 2019. When Kelley was younger, she didn’t have the personal finance resources that we have today. She had to learn about money through trial and error. Today, Kelley spends a lot of her time trying to change people’s thinking about money so that they don’t fall into the same traps that she did. Kelley joined me from Edmonton, Alberta to share her personal finance story. NEXT EPISODE 93 - Darryl Brown Click ...

59 MINJUL 25
Comments
92 - Kelley Keehn

91 - Robert Brown

Robert Brown wants you to not be afraid of a little hard work. Robert grew up on a dairy farm. His father worked the farm while also working a full-time job at General Motors. Robert learned about working for money early and also about patience and delayed gratification. There are a lot of things that we buy today with borrowed money that we could easily put off until we have money in the bank, and we might even get a better deal if we wait. Robert realized over time that many Canadians hadn’t learned what he did on the farm and as a result they were spending money before they earned it, and doing things like buying houses they actually couldn’t afford. They didn’t understand the concept of compound interest or how to save for the future while still being able to live a comfortable life today. After over 25 years of working in the restaurant and food service industries, Robert decided to write a book about personal finance. He would write it in a way that Canadians would understand. The book he wrote is called Wealthing Like Rabbits and it’s now a Canadian bestseller. Robert joined me from Ajax, Ontario to share his personal finance story. NEXT EPISODE 92 - Kelley Keehn Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinarclick here.

70 MINJUL 18
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91 - Robert Brown
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himalayaプレミアムへようこそ聴き放題のオーディオブックをお楽しみください。