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Christine Conway, Cameron Conway

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Helping you understand , budgeting, investing, insurance and all things personal finance from a uniquely Canadian perspective. Featuring Christine Conway, a Certified Financial Planner, author and owner of Braun Financial. Along with her husband Cameron Conway, an author in his own right whose trying to better understand this wide world of personal finance. *This is for entertainment purposes only, please consult a local certified financial planner to assist you in developing your financial ...
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show series
 
So when do I start having debt freedom? That’s the neat part, you don’t! This week we talk about how our culture of debt is designed to keep us in debt and how investors profit from it. Learn about asset backed securities, various mortgage repacking strategies and other ways your debt makes other people money, or even yourself? If you live in Briti…
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Oh God, not the verbal bees, I can’t take anymore of these buzzwords. This week we talk about clarity, priorities, leveling up and saying no along with other concepts Christine learned recently at a coaching event and reading two different books. We examine “10x is Easier than 2x” by Dan Sullivan & Dr. Benjamin Hardy and “Essentialism” by Greg McKe…
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This week we respond to a fan question about whether ornot it’s a good idea to withdraw from an RRSP before age 71. We talk about strategies that can work and some of the pit falls that can increase taxes, lower benefits and generally waste your hard earned investment gains. If you live in British Columbia, Alberta orSaskatchewan let us help you ta…
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Picking a fund is like buying an apple… why are there so many of them... Gala and Fuji are different… forget it I’ll just get this green one. This week we go behind the scenes and talk about how we evaluate and compare investment funds for our clients day to day, all without losing our sanity. We talk about how we break down geography, risk, sector…
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A dollar saved is a dollar that still doesn’t trust you. This week it’s another edition of financial planner confessions as Christine give you quick tips on how to save money and better allocate your financial resources. Money saving tips such as don’t take kids to candy stores, keep Christine away from espresso beans and how to assign true value t…
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The key to retire early is to just give up… working… everyday. This week we confront a new study which shows the changing face of retirement expectations in Millennials. The classic forced march to 65 is out and a new face of retirement is emerging where people are looking to better enjoy their lives. Despite inflation, and high interest costs, and…
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Don’t you know DIY is the way to go with everything in life, goodbye plumbers, accountants, lawyers, and doctors, wait why am I suddenly sick, being sued, getting audited and wet? This week take you through the wild west of financial advisors and help you understand everything about pricing, designation types, services offered, specializations for …
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"The commitment needs to be a commitment to grow the economy, and the budget will balance itself,” -Justin Trudeau, Leader of the Opposition, February 2014. This week it's Budget Blow-out-palooza 20-24 exclusively on Tax-Payer Per View. Cameron makes the great sacrifice and reads through the proposed budget to see what will impact your personal fin…
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Of course I’ve filled and paid my taxes, I did that over a year ago. This week we cover some helpful hints for this year’s tax filing season, and to make sure you don’t forget to file! Changes to RRSP Home Buyer’s Plan, CERB repayment deductions, indexation adjustments and more thrilling line items to help you take stock of the past year and what y…
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Of course I’m ready and saved up to retire, it should only cost about $1400 to get new tires on my van, oh wait that’s not what retirement means, it’ll cost how much!?? This week we review “How to Retire with Enough Money: And How to Know What is Enough” by Teresa Ghilarducci Ph.D, an academic that can actually communicate with average people. Find…
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What is the good life? “To crush your enemies, see them driven before you, and to hear the lamentations of their women.” This week we review “The Good Life” by Robert Waldinger & Marc Schultz to see how our health and well-being are dictated by our overall happiness and connections with others. What have these authors learned from The Harvard Study…
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What goes up can only go higher - you have no power here laws of thermodynamics! This week we talk about the classic business cycle and show how the stages of Recovery, Expansion, Slowdown, Contraction are unavoidable yet predictable. Find out where we are not in the cycle, what to look out for and how to thrive in these regular seasons of transiti…
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If I had nickel for every time someone told me about a myth that keeps me away from more nickels, I could retire. This week we evaluate “Smoke and Mirrors: Financial Myths that Will Ruin Your Retirement Dreams” by David Trahair. Has this Canadian accountant figured out the five myths which holds us back from financial success or are we just being n…
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Finally, it’s time for me to make money off someone else’s debt! This week we talk about all things fixed income and whether you want it in your portfolio or not based on your risk tolerance requirements. We explain what bonds are, why they’ve been broken in the past couple of years and what to expect going forward. So, get ready to see how, if and…
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At least when the robots take over I won’t have to pick my own stocks anymore. This week we go over fresh research from Ray Dalio and see if the current tech sector is in a bubble that is about to burst or is simply overvalued. What is the state of the Magnificent 7 ( or AAAMMNT for short), what could be the true impact of AI and are we all just ge…
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The government giveth, and the government taketh away. This week we catch you up on several changes the federal government has unleashed in 2024. Changes that’ll put more or less money in your pocket, or realistically give you more so they can take even more back. Get ready for repriced carbon tax, new dental care options, increased TFSA limits and…
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I have altered the meaning of RRSP, pray I do not alter itany further. This week Cam makes up a new acrostic about RRSP’s, Christine goes over advice from a trusty accountant, and we give our 4 factors to determine if you should make an RRSP contribution. So, dig out your trusty 2023 T1 General tax form and follow along. If you live in British Colu…
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Today is about loss, heartbreak and the idea that it won’t happen to me. Part of life is about adapting to things we wish didn’t happen and how to best prepare for the unthinkable. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group…
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“My investment strategy used to be with ‘it’, but then they changed what ‘it’ was. Now what I’m with isn’t ‘it’ anymore and what’s ‘it’ seems weird and scary. It’ll happen to you!" This week we talk about the market and economic outlook for 2024 and see that it is a tale of two conflicting opinions. Is recession still a risk, what equities are over…
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Make work not profit, oh that’s where I went wrong. This week we conclude our two-part series on small business and talk about how to build a realistic business plan that enhances profitability. Find out how your personal finance habits can make or break your company, and profitability, and sanity. Plus some tips from Mike Michalowicz’s book “Profi…
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The best way to not get laid off, is to be your own boss… I hope. This week we talk about one of the best ways to take control of your personal finances, starting a small business. Is it right for you, can you handle being a “jack of all trades,” and can you master the art of systemization? Find out what it really takes to make things work and the …
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This week we talk about how different stages in your life impact how you use RRSPs and TFSAs. What is strategy could be best for each age group, what will help you net the most returns and what is some of the fine print that most people don’t notice. If you live in British Columbia, let us help you take care of the people you love and visit braunfi…
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A new year, a new me, a new series of mistakes to make. This week we help you start the year off right with some of our favorite personal finance tips that we think will help you in 2024. Everything from market timing, to adjusting your finances for wanted & unwanted life changes and finding low cost ways to reduce stress. If you live in British Co…
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Jingle bells, budget’s broke, bills are on the way, Oh, what fun it will be, to live in a one-horse open sleigh, hey! This week we reminisce about our most popular and engaged with podcasts of 2023 and see if our advice… ramblings, still holds up. Also we talk about what happens behind the scenes and what we are looking forward to talking about in …
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“Family, religion, friendship. These are the three demons you must slay if you wish to succeed in business.” This week we talk about Ray Dalio’s book “Principles for Success” and how you can better live your life thanks to the founder of an asset management firm. Turns out the secret isn’t finding joy through buying and crushing smaller business. R…
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Step:1 evaluate all of your 2023 financial decisions, Step: 2 drink coco and watch Christmas rom-com’s, Step: 3 gaze into the void, Step 4: repeat step 1. This week we go over 14 different tips you help you close out 2023 and get ready for another exciting year (can we please just have one boring year). Everything from budgeting, insurance, debt ma…
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The best way to spread Christmas Cheer, is spending loud for all to hear. This week we see how much Canadians are expected to spend over the holidays. Some are saying spending going up, pleasing Santa and others say its going down to the delight of Scrooge. Find out what factors are at play and how can you better prepare for the Christmas season wi…
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Home is where the debt is. This week talk about the new First Home Savings Account (FHSA) and how your can maximize your ability to overpay for a house. We also talk about how your can combine this with other tax advantaged savings options to build up a deposit of over $163,000 per person. If you live in British Columbia, let us help you take care …
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Some of you may suffer, but it's a sacrifice I am willing to make. This week Cam gives his debriefing on a recent event he attended headlined by Bank of Canada Senior Deputy Governor Carolyn Rogers and how you apparently need to do a better job at fixing the economy. We talk about Canada’s continued high interest rates, lagging productivity, decrea…
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Anyone have any spare change, I need to adjust my perception of reality. This week we go deeper into the concept of challenging our core beliefs about ourselves and how that impacts our finances and more importantly our overall health. Is change as easy as it sounds and what is the cost of refusing to? If you live in British Columbia, let us help y…
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People keep saying that money is simple, and I took that personally. This week we get deep with “Simple Money: No Nonsense Guide to Personal Finance” by Tim Maurer and find out how to make understanding finances more personal and real to our own lives. Learn how to figure out what success really looks like to you and how to challenge your inherited…
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A proclamation has been sent forth from Ottawa, “don’t forget to drink more Ovaltine!” This week we break down the freshly released Survey of Household Spending report from StatsCan to see where all of our money has been going. Find out how far apart average expenses are from average income and what the data tells us about how people are able to bu…
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Age is in the eye of beholder! This week we take a deep dive into Moshe Milevsky’s book “Longevity Insurance for a Biological Age: Why Your Retirement Plan Shouldn’t Be Based on the Number of Times You Circle the Sun” and see how we get retirement planning wrong by relying on our calendar age more than our biological age. Find out what the differen…
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This week we welcome IPFC listener Michelle D. whose journey started by listening to podcasts and discovering how to live with intention. A concept that took her and her family on a journey that lead to the repayment of $301,000 of mortgage debt in less than five years. Michelle talks about how they changed spending habits, sold things they didn’t …
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If at first you don’t succeed just do the same thing over and over and over again. This week we tackle the root of most people’s personal finance issues, their decision making process. For many people the decisions we make feel almost automatic and outside of our control bringing us to the same unwanted results day in and day out, and no budget is …
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So it turns out the best way to help people without money is actually to just give them money. This week we talk with Claire Williams co-founder of “Foundations for Social Change” and Dr. Jiaying Zhao Associate Professor in the Department of Psychology and the Institute for Resources, Environment and Sustainability at UBC, two of the co-authors of …
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Now always never forget to don’t do what Donny Don’t does! This week we open up and show you how we got things wrong… in the past, and how you can avoid those same money mistakes today. Plus, don’t miss out on the lightning round where we rapid fire more ways to help you avoid wasting money. If you live in British Columbia, let us help you take car…
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Yes, yes, asking is the first step to understanding, but spending is the first step to a new Lego Venator-class Star Destroyer. This week we explore some of the key questions people should be asking themselves about not only their finances but their daily habits and purpose in life, wow that got deep quick. Everything from income, spending, savings…
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We come into the world with nothing and we leave with everything, wait that’s not right. This week we talk about the book “Die with Zero: Getting All You Can From Your Money” by Bill Perkins and find out what he has against his kids. Find out how Bill’s philosophy of decumulation and making the most of a certain portion of your life can help people…
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Now to revolutionize your finances first get out your 401k documents *throws book*. This week we tackle the biggest frustration among Canadians who read personal finance books, the dreaded use of the American tax system and we give you a cheat sheet to help apply those ideas to your life. Is an IRA an Individual Retirement Account or a Individual R…
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And with a wave of my wand I shall make all my financial problems disappear, “klaatu barada nikto!” This week we open the mystic tomb known as “Money Magic: An Economist’s Secrets to More Money, Less Risk, and a Better Life” by Laurence Kotlikoff and see how this master of the financial arts can teach us about crafting our lives into the best finan…
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This week we get personal and Christine shares about a health issue in her life that forever changed the way we look at money, priorities, finances and our planning process. It’s introspective and a bit dark, and not our usual light and fluffy personal finance centric type of episode. If you live in British Columbia, let us help you take care of th…
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"I’m sorry Dave I’m afraid I can’t invest in that." This week we peer into the S&P 500 and see how its core sectors have performed so far in 2023. Is there a true boom in the market happening or has HAL 9000 and his shiny new AI buddies distracted everyone from what is really happening in the American stock market. If you live in British Columbia, …
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It’s a mad, mad, mad, mad stock market! This week we seek out the fabled “W” of the current Canadian stock market and find out what sectors are actually bringing about the best returns on the TSX. Which surprising companies have been the year to date winners and which have crashed and burned, the answer may (or may not) surprise you. If you live in…
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The first rule of confirmation bias club is we don’t talk about confirmation bias club. This week we dig through Grant Sabatier’s book “Financial Freedom: A proven path to all the money you will ever need.” Find out how a burrito craving changed his view on finances and what parts of his philosophy we think can help you get your own tasty burrito, …
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When your financial calculator tells you to “use reasonable figures” you know your in for a wild ride. This week we tackle part two of our look into the Financial Independence Retire Early (FIRE) movement and go beyond just the core concepts and actually put their math to the test. Is the promised 4% rate of return formula your golden ticket or doe…
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Where there’s smoke there’s FIRE! This week we dig deeper into the FIRE movement and see how much of it is actually burning logs and how much of it is just cheap kindling. Can you sustain a retirement, what does it cost you in your everyday life? Plus we talk about what we actually really like about the movement in part one of this two week investi…
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It’s time to spin the wheel of retirement fortune and see what we get from the government, bonus points for landing on 70! This week it’s everything you’ve ever wanted to know about CPP and the new changes to OAS. Find out when it could be best to start collecting, how its funded and what the future holds for these 2 staples of government assistanc…
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The call is coming from inside the house, and it’s asking when to expect payment of my loans! This week we talk with Blair Mantin president of Sands & Associates and go over everything you ever wanted, or didn’t realize that you needed to know about consumer proposals and bankruptcy in Canada. Learn new tips and tricks to help you even before you g…
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For the price of a coffee a day you can become a millionaire… maybe. This week we dig into David Bach’s bestseller “The Latte Factor” and see if its core financial concepts are more foam than cream. Can small daily investments really revolutionize your retirement and how does the math really work in today’s market? If you live in British Columbia, …
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