Mastering Money
Chartered Professional Accountants of Canada (CPA Canada)
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Welcome to Mastering Money, an original podcast from Chartered Professional Accountants (CPA Canada).
This podcast is different from other financial podcasts as it will take a business to business perspective, speaking directly to financial educators as opposed to providing tips directly to the consumer. The podcast will bring up key issues, trends and tips as they relate to financial education for many different audiences. Disclaimer: The views and opinions expressed in this podcast are those of the guest and do not necessarily reflect that of CPA Canada.
Available episodes
Newest first
Oldest first
Oct 12, 2023
S8 E06: What is a Side Hustle? And is it always about Survival?
The gig economy is here to stay as more individuals are engaging in side hustles to diversify their income streams. This episode will discuss the opportunities and challenges of side hustles, share success stories, and highlight key considerations for those looking to pursue additional income streams.
Hear from Gerald Narciso, a Vancouver-based freelance writer who wrote in The New York Times, The Washington Post, The Globe and Mail, and Bleacher Report/CNN, on challenges and opportunities while pursuing side hustles.
Key Takeaways:
* Learn about side hustles – and find out why millennials and gen Z are leading the charge
* Learn how to turn your side hustle survival into a side hustle romance
* Learn how to prevent your side hustle from jeopardizing your day job
Additional Resources:
* Mastering Money Podcast episode - Side hustle life
* Just the facts: Business
* The struggle is real. Even with a side hustle
* The Work Shift: Laid off couple in tech considers abandoning Canadian city
* The Work Shift: How out of work millennials are navigating the new normal
Download transcript
This season is proudly brought to you by Pivot Magazine.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Oct 5, 2023
S8 E05: Preparing the next generation
Where are your kids learning about money? In a changing financial landscape, how do we help our children manage their money in a world where cash is no longer king?
We discuss how parents can manage these obstacles and pass good financial sense onto the next generation.
In this episode, Hector Crespo, CEO at Mydoh, discusses the importance of financial conversations with kids and how they can help build a solid foundation for their future. Discover effective ways to teach kids about money management, saving, and the value of responsible financial decision-making.
Key takeaways:
* Learn how to have the money talk with your kids – and when
* Unpack your own relationship with money and learn how that’s projected on to your kids
* Learn how to discuss nontraditional financial sources with your kids as well as merging their passions with their work
Additional Resources:
* Mydoh
* Mydoh - Money Talks Blog
* Mydoh - Financial Literacy Tools
* Request a CPA Canada Financial Literacy Session - How to teach your kids about money
* Mastering Money Podcast - S5 E01 - How to talk to your teens.
* Raising Money-Smart Kids: How to teach your kids about money
Download transcript
This season is proudly brought to you by Pivot Magazine.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Sep 28, 2023
S8 E04: Will AI take over the Job Market?
Artificial Intelligence (AI) is here to stay. With more jobs being automated, are you at risk of being left behind?
We discuss the potential benefits and risks of AI adoption, how it might reshape industries and considerations you need to make to remain employable in a world driven by AI.
Hear from Shesta Babar, KPMG, as we explore the impact of AI on the labor force. Discover more about how AI technology is reshaping industries and learn how to adapt and collaborate with AI to ensure your employability in the future.
Key Takeaways:
* How is AI affecting your industry or profession.
* What opportunities does human-AI collaboration present and in which areas human skills can complement AI capabilities.
* What human skills are irreplaceable and less likely to be automated.
* How to stay updated on AI developments and invest in learning AI-related skills to enhance employment prospects.
* How to adapt a growth mindset and view AI as a tool for enhancing productivity rather than a threat.
Additional Resources:
* AI adds tremendous value, improves efficiency: expert
* Why AI is an opportunity, not a threat
* One in five Canadians using generative AI platforms - KPMG Canada
* 2023 Generative AI Adoption Index - KPMG Canada
* Preparing your workforce for generative AI - KPMG Canada
* Building ethical AI solutions: Using the ethics funnel and a trusted framework
* Is AI moving too fast for regulators to keep up?
* Opinion: Human beings are mortal. AI isn’t. That matters - The Globe and Mail
Download transcript
This season is proudly brought to you by Pivot Magazine.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Sep 21, 2023
S8 E03: Decoding Compensation - Beyond the Numbers
Your salary doesn’t paint the entire picture of your compensation. Benefits, flexible work, vacation time and more are all part of the overall package that contributes to your job satisfaction and financial well-being.
We cover all components of your compensation and talk about how to properly evaluate them to make informed decisions about your career path.
Join Carolyn Hamer, Deloitte Canada’s National Leader of Workforce Transformation, to know more on how to value benefits beyond just the salary and understand how to negotiate for fair compensation packages that align with your career goals and aspirations.
Key Takeaways:
* Learn to evaluate non-monetary benefits of your compensation
* Learn how different generations evaluate job satisfaction
* Evaluate how your personal priorities line up with your desired compensation package
Additional Resources:
* Canadian banks go on a hiring spree, defying tight labour market
* Work-life balance preferred over big salaries, CPAs say
* The Deloitte Global 2023 Gen Z and Millennial Survey
* 2023 Global human capital trends - Deloitte Insights
* The Intelligence Revolution - Future-proofing Canada’s workforce
* "We’re very different": Gen X and Y compare their views on finance
* Generational wealth: is it harder for young people to get ahead?
Download transcript
This season is proudly brought to you by Pivot Magazine.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Sep 14, 2023
S8 E02: Future-Proofing Your Career - Strategies for Success
Can you ever prepare for sudden job loss? Maybe not, but you can take steps to future-proof your career and learn to navigate career uncertainties with grace. We talk about the strategies you can take to protect yourself and your career.
Join our expert Pat Romain, The National Practice Leader - Career Transition @Gallagher, to learn more on how to develop a growth mindset, identify transferable skills, and harness the power of continuous learning to stay relevant in a rapidly changing job market.
Key Takeaways:
* Networking looks different in the digital age but is still one of the most valuable tools to tap into the hidden job market.
* AI is here to stay – learn how to work it to your advantage
* In the case of job loss – learn to assess if your skills have become redundant, and how you can upskill or utilize your knowledge in another job or industry
Additional Resources:
* Survive and thrive: Move ahead financially after losing your job
Download transcript
This season is proudly brought to you by Pivot Magazine.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Sep 7, 2023
S8 E01: Interest Rates, Inflation, and I
When it comes to interest rates and inflation in Canada, what is their significance? What are the driving forces causing their fluctuation? And why should you care? We dive into the complexities of interest rates and inflation, exploring their impact on employment, wages, immigration, and mortgages.
Join David-Alexandre Brassard, CPA Canada’s chief economist since July 2021, in a discussion on interest rates and inflation and their influence on employment and financial planning. Learn more about how to navigate economic forces and ensure your financial stability amidst changing market conditions.
Key Takeaways:
* Learn the driving force behind current inflation numbers
* Is it worth taking a new job during times of economic uncertainty?
* Learn how your mortgage is affected by inflation – and what you can do about it
* Learn why Canadian’s spending habits haven’t changed with inflation.
Resources:
* Economic optimism climbing despite recession expected this year: CPA Canada Business Monitor (Q2 2023)
* Redefining Retirement: Separating Fact from Fiction
* Season 5: Tough talks about money
* Just the facts: Helping you talk about money
* Debt and inflation data
* Mastering Money Conference 2023
Download transcript
This season is proudly brought to you by Pivot Magazine.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Jun 21, 2023
S8 Teaser: The future of labour is here
Join host Doretta Thompson and PIVOT Magazine Associate Publisher, Douglas Dunlop, as they discuss what is upcoming in season 8 of our mastering money podcast. The future of labour is here, are you ready?
Hungry for more? Join us for our Mastering Money Conference happening in Calgary, Alberta on November 9-10 as we showcase some of our season 8 speakers, in real life!
Download transcript
This season is proudly brought to you by Pivot Magazine.
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Feb 27, 2023
S7 E06: Talking About Debt
Talking about debt can be hard as it can bring up many emotions, including shame, guilt, and despair. But talking about debt is often the first hurdle to master so that one can concentrate on recovery.
We sat down with Jeff Lewis, CPA, CA, FCCA, CIRP, LIT, Senior Vice-President and Partner at BDO Debt Solutions and Chantel Chapman, Co-Founder of The Trauma of Money and Financial Trauma Researcher and Educator, to learn more about the power of talking about debt, owning debt, and focusing on the road forward.
Additional Resources:
* BDO Debt Solutions
* The Trauma of Money
Download transcript
This episode is part of our podcast focusing on helping listeners manage and better understand debt through strategic planning and purposeful action.
This season is proudly brought to you by BDO Debt Solutions, helping you turn the page on debt.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Feb 16, 2023
S7 E05: Debt in the Golden Years and Beyond
You’re ready to retire and enter what has been called “the golden years” only to bring an unwelcome guest with you - Debt. This is the sad reality for many entering this stage of life, which is supposed to be about relaxing and freedom after years of hard work. For some, retirement is put on the backburner as they are forced to work longer, lend money to adult children, and get their finances under control.
Hear from Christine Lang, BA(Econ), CPA, CGA, CCS, President and Principal Advisor, LANG Financial Consulting and Wealth Solutions on how debt can impact your retirement and what you can do to move forward so that you can enjoy those golden years.
Additional Resources:
* Financial Advice for All
* Credit Counselling Canada
* CPA Canada Financial Literacy Resources
* Advocis | The Financial Advisors Association of Canada
* Seniors & Debt - A Growing Problem That We Can Help Fix
* Retirement Shift Worksheet - LANG Financial Consulting and Wealth Solutions
Download transcript
This episode is part of our podcast focusing on helping listeners manage and better understand debt through strategic planning and purposeful action.
This season is proudly brought to you by BDO Debt Solutions, helping you turn the page on debt.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Feb 9, 2023
S7 E04: Debt Traps
Have you heard of the term debt trap? Have you, or someone you know, fallen into one or several? If we aren’t careful, it's easy to fall into a debt trap that can seem like a never-ending mountain to climb over.
Join Ilan Kibel, BDO Partner and Senior Vice President, as he explains what a debt trap is, examples of these traps, red flags to look out for and how one can pull themselves out to move forward financially.
Additional resources:
* BDO Debt Solutions
* How much debt is too much?
* CPA Canada Financial Literacy Resources
* Money and the World Virtual Conference 2022
Download transcript
This episode is part of our podcast focusing on helping listeners manage and better understand debt through strategic planning and purposeful action.
This season is proudly brought to you by BDO Debt Solutions, helping you turn the page on debt.
The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changing government legislations and programs may have come into effect since the recording date. Please seek additional professional advice or information before acting on any podcast information.
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Feb 2, 2023
S7 E03: Credit Scores
How often do you check your credit score? Do you know all the ways credit, good or bad, can affect you? Your credit score is so much more than a simple three-digit number, and it can follow and weigh you down for years if it gets too low. Understanding how to build and keep a healthy credit score is a key pillar of good personal finance.
Join Julie Kuzmic, Senior Compliance Officer, Consumer Advocacy at Equifax Canada, as she gives listeners a crash course on building a strong credit score, debunking credit score myths, and of course understanding how debt can affect credit.
Additional resources:
* Equifax Canada
* Credit Counselling Canada
* CPA Canada Financial Literacy Resources
* Money and the World Virtual Conference 2022
Download Transcipts
This episode is part of our podcast focusing on helping listeners manage and better understand debt through strategic planning and purposeful action.
This season is proudly brought to you by BDO Debt Solutions, helping you turn t…
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Jan 26, 2023
S7 E02: When Are You in Over Your Head?
If you’re not careful, debt can be overwhelming, and you can find yourself feeling like there’s no way out. Understanding the warning signs that you may need help getting your debt under control is only the first step in moving towards a solution that works for you now and in the future.
Hear from Nancy Snedden, Personal Debt Solutions Leader, Advisory with BDO Canada as she walks listeners through the process of recognizing and dealing with your debt problem through effective credit counselling and meaningful action. With the right guidance, life after debt is possible and you’ll come out the other side feeling relieved and in control.
Additional resources:
* BDO Debt Solutions
* How much debt is too much?
* Can I Negotiate with Debt Collectors? – Equifax Canada
* CPA Canada Financial Literacy Resources
* Financial Consumer Agency of Canada
* Money and the World Virtual Conference 2022
* Find an active Licensed Insolvency Trustee
* Protecting the public
Dow…
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Jan 19, 2023
S7 E01: Household Debt in Canada - A Snapshot
When it comes to household debt in Canada, what do the numbers tell us? Recent economic volatility and rises in the costs of living have left many feeling uneasy about their financial situation. How is the average Canadian being affected by debt, and should we be concerned about the direction debt numbers are trending towards?
Join our expert Guy Gellatly, Chief Economic Advisor in the Analytical Studies Branch at Statistics Canada, for an in-depth look at household debt in Canada and what the numbers mean for the average Canadian. Looking at the big picture can offer valuable insight into how we are coping with debt and what we can do to prevent the numbers from getting out of control.
Additional resources:
* Canadians are falling deeper into debt
* Consumer Price Index Personal Inflation Calculator
* Behind the Numbers: What’s Causing Growth in Food Prices
* The rise in prices for wheat-based food products
* Pharmaceutical access and use during the pandemic
* Trends…
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Oct 13, 2022
S6 E06: Living in Retirement
How do you envision yourself living in retirement? Making the transition to retired life is a big step and not always what one might expect. Too many retirees encounter problems such as isolation and life feeling meaningless without the daily work routine. However, there’s plenty of room to explore meaningful paths in your retirement that can lead to retired life being fulfilling and full of joy.
Harold and Beverley Hutner are married CPAs who’ve been living in retirement for several years, and they join us on this episode to discuss their own retirement stories and share their views on how to make the most of your free time and find meaning and purpose after transitioning to retired life.
Additional resources:
* The LIFE Institute
* Canada Life - What are government retirement benefits?
* CPA Canada Financial Literacy Resources
* Mastering Money Conference 2022
* Money and the World Virtual Conference 2022
Download transcript
This episode is part of our podcast seri…
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Oct 6, 2022
S6 E05: The Challenges and Decisions we Face as we Age
As we get older, we face different financial challenges. Our health, family situations, ability to work, and more all play a part in laying the trackwork to retirement, and each person’s path is different. If we’re to stay the course and retire the way we want to, understanding how to take on the challenges of aging while making your money work for you is crucial.
Tina Tehranchian, Senior Wealth Advisor at Assante Capital Management Ltd., joins us for a discussion on navigating new and often intimidating challenges that arise as we approach retirement age. Life is full of twists and turns, highs and lows, and plenty of questions, but making sense of it all and charting a course for the retirement you want is easier than you might think.
Additional resources:
* Assante Wealth Management
* CPA Canada’s Financial Literacy Resources
* Mastering Money Conference 2022
* Money and the World Virtual Conference 2022
* What Every Older Canadian Should Know About: Financial Pla…
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Sep 29, 2022
S6 E04: Canada’s Aging Population
There’s no escaping the fact that the average Canadian is getting older. With Canadians aged 55 to 64 now outnumbering those aged 15 to 24, our country’s future is looking very different. If you’re wondering how this all affects your own future with respect to retirement plans, you are most definitely not alone.
Rob Carrick of the Globe and Mail is one of Canada’s most trusted and widely read financial experts, and he joins us on this episode to discuss how these changing demographics are affecting the personal finance and retirement strategies of Canadians young and old.
Additional resources:
* CPA Canada Financial Literacy Resources
* Mastering Money Conference 2022
* Money and the World Virtual Conference 2022
* Canada’s Working-Age Population Is Older Than Ever, StatsCan Says
* Statistics Canada-Older Adults And Population Aging
* Statistics Canada-Life Expectancy and Deaths
* Stress Test
Download transcript
This episode is part of our podcast series fo…
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Sep 22, 2022
S6 E03: Retiring in a Time of High Inflation
Inflation has caused more than a few financial headaches, with the price of almost everything going up, and up, and up. But what does inflation mean for your retirement plan? Who should you talk to when seeking advice? Is retiring while inflation is running rampant as bad as you think it’ll be?
David Christianson, Portfolio Manager and Certified Financial Planner with National Bank Financial Wealth Management, walks us through the implications of inflation when it comes to retirement planning, and gives us an insightful perspective on how you can plan for this important life stage while enduring inflation’s bite.
Additional resources:
* CPA Canada Financial Literacy Resources
* Mastering Money Conference 2022
* Money and the World Virtual Conference 2022
* Stats Canada Personal Inflation Calculator
* Managing the Bull by David Christianson
* National Bank of Canada
* National Bank of Canada – Why should you keep inflation in mind as you plan for retirement?
Down…
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Sep 15, 2022
S6 E02: Avoiding Conflict in Estate Planning
You don’t need a podcast to tell you that estate planning is tough but necessary. It can be stressful, it can be messy, and it can be the source of conflict and confrontation—but it doesn’t have to be.
Larry and Kimberley Short are Partners at ShortFinancial with iA Private Wealth and partners in life. They’ve combined their knowledge and experience to write The Last Act: Closing the Book on Your Finances, a guide to everything estate planning. Today Larry and Kimberley will join us to talk about what estate planning is and how to uncomplicate it
Additional resources:
* Short Financial Website
* CPA Canada’s Financial Literacy Resources
* Mastering Money Conference 2022
* Money and the World Virtual Conference 2022
* Financial Literacy Virtual Sessions
* Preparing for the Unexpected: Advance Serious Illness Planning
Preorder the book on Indigo now:
The Last Act: Closing the Book on Your Finances, Book by Larry and Kimberley Short (Paperback) | www.chapters.in…
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Sep 8, 2022
S6 E01: Retiring in Canada: How Much is Enough?
When should you start thinking about retirement? Who can you talk to and what steps can you take today and in the future? Just how much money should you be saving to retire comfortably? If you’re getting the right advice and asking the right questions, building a solid retirement plan might be easier than you think.
Join our expert Lisa Hannam, Executive Editor of Moneysense.ca, as she gives you the facts about retirement, including what you can do now and in the future to better set yourself up to retire comfortably and just how much money you should be putting away.
Additional resources:
* CPA Canada’s Financial Literacy Resources
* Financial Literacy Virtual Sessions
* Mastering Money Conference 2022
* Money and the World Virtual Conference 2022
* The Role of Reverse Mortgages in Retirement Planning
* Determining how much money you need for retirement – Government of Canada
* moneysense.ca
Download transcript
This episode is part of our podcast series focusi…
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Oct 28, 2021
S5 E06: The Role of Reverse Mortgages in Retirement Planning
What is a reverse mortgage? Is it a good fit for your retirement plan? Learn the ins and outs of reverse mortgage products and get informed about the right conversations to have when planning for a comfortable retirement.
Join our expert Steven Ranson FCPA, FCA, President and CEO of HomeEquity Bank, for an in-depth look into how a reverse mortgage can be an option to consider when wishing to maintain a certain post-retirement lifestyle that includes being able to remain in your family home.
Additional resources:
* CPA Canada’s Financial Literacy Resources
* Financial Literacy Virtual Sessions
* Reverse mortgages- Financial Consumer Agency of Canada
* HomeEquity Bank
* Home Run - The Reverse Mortgage Advantage Book
* Wealth Professional Article on Rethinking Estate Planning
Download transcript
This episode is part of our podcast focusing on helping listeners build confidence for approaching and handling difficult money conversations at various stages of life.
The vie…
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Oct 21, 2021
S5 E05: Preparing for the Unexpected: Advance Serious Illness Planning
Should someone become critically ill, it’s possible they will be unable to make decisions related to their care and financial arrangements. Appointing an alternate decision maker and really preparing them to advocate for you is a smart anticipatory action for all adults, especially as we live through this global pandemic.
Join our expert Dr. Daren Heyland, Critical Care Physician, Professor of Medicine at Queen’s University, and founder of the Plan Well Guide, as he talks about how you can prepare for serious illness decision-making and how that’s different from end-of-life planning as is traditionally done with legal planning or advance care planning. The goal of advance serious illness planning is to ensure that you get the medical care that is right for you with the least stress on your loved ones that will be advocating for you.
Additional resources:
* Plan Well Guide: Your Guide to Advance Serious Illness Planning
* CARENET ICU Workbook (myicuguide.ca)
* CPA Canada…
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Oct 14, 2021
S5 E04: How to Talk to your Banker about your Money Needs
Today, many people are doing the vast majority of their banking online, with going to your bank and speaking with bank staff becoming less and less common. However, speaking to financial advisors and other staff at your bank can be an eye-opening experience.
Join, Natalia Sandjian, Senior Manager, Advice Strategy with National Bank of Canada, as she dismantles the idea of speaking with your banker being an intimidating and complicated conversation. You’ll learn why your bank should be your first stop when seeking investment advice, setting up a savings strategy, applying for a mortgage, and more.
Additional resources:
* CPA Canada’s Financial Literacy Resources
* Financial Literacy Virtual Sessions
* National Bank of Canada
* The FinLit 101 Website
Download transcript
This episode is part of our podcast focusing on helping listeners build confidence for approaching and handling difficult money conversations at various stages of life.
The views expressed by our guests…
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Oct 7, 2021
S5 E03: How to Mitigate Financial Peer Pressure
How can you overcome financial peer pressure and get comfortable with saying no when your friends and family’s plans do not align with your financial priorities? Can you approach a situation like this without damaging your relationships?
Hear from Taheera Fidaali, CPA, CA, and owner of Tula Accounting & Consulting, a firm focused on supporting entrepreneurs and mission driven visionaries in building sustainable and profitable businesses, as she discusses overcoming the financial peer pressure we often face in our everyday lives. Master the art of saying no, avoid undermining your relationships, and learn why the key to mutual understanding is likely hiding deep within yourself.
Additional resources:
* CPA Canada’s Financial Literacy Resources
* Financial Literacy Virtual Sessions
* TULA Accounting Consulting
* The Well Collaborative
Download transcript
This episode is part of our podcast focusing on helping listeners build confidence for approaching and handling diffic…
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Sep 30, 2021
S5 E02: How to Talk to your Partner About Money
Money concerns are among the most common reasons for relationship breakdown and divorce. How can one ensure that healthy conversations about money, financial goals, and values happen with their partner, and when is a good time to start having these conversations?
Join our expert Wallace M. Howick, FCPA, FCA and author of the award-winning book Love and Money: Conversations to Have Before you Get Married and gain valuable insights on when, why, and how to have important money conversations with your partner. Wally has more than 40 years' experience in financial services and was elected as a fellow CPA, and he is also a Harvard-trained teacher of negotiation.
Additional Resources:
* CPA Canada’s Financial Literacy Resources
* Financial Literacy Virtual Sessions
* Love and money: Conversations to have before you get married
* Love & Money: How to Discuss Money with Your Partner
* Just the Facts: Helping you talk about money
Download transcript
This episode is part of our…
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Sep 23, 2021
S5 E01: How to Talk to your Teen about the Money Side of “Adulting”
How can you prepare your teenager for financial responsibility? What are the most significant obstacles today’s teens are facing in developing good spending and saving habits, and how can parents work around them? Raising kids in today’s digital world comes with many challenges, but we’d like to help with the all-important conversations around money.
Join our expert Robin Taub, CPA, CA, parent, and award-winning author of Raising Money-Smart Kids: How to Teach your Kids about Money While Learning a Few Things Yourself and of The Wisest Investment: Teaching your Kids to be Responsible, Independent, and Money-Smart for Life, her latest book.
Additional resources:
* CPA Canada’s Financial Literacy Resources
* Financial Literacy Virtual Sessions
* robintaub.com
* Raising Money-Smart Kids: How to teach your kids about money
* Just the Facts: Helping you talk about money
* Free Values Validator at robintaub.com
* Free Role Model Self-Assessment at thewisestinvestment…
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Feb 24, 2021
S4 E06: Going Alone: After Loss of a Spouse or Partner
The loss of a loved one is devastating and can take a toll on women physically, mentally, and financially. This episode features guest Kimberley Short, CIM®, CFP®, FCSI®, MFA-P™, TEP a principal, portfolio manager, certified financial planner and trust and estate practitioner at ShortFinancial with iA Private Wealth. Kimberly will guide listeners through the process of widowhood, while providing useful information for women on how to deal with money after the death of a spouse, how get a handle on finances if you have not had that responsibility in the past, how to manage finances moving forward, basics on wills and estates, and where to look for help during this difficult time.
This podcast information was prepared by Kimberley Short who is a Portfolio Manager, CERTIFIED FINANCIAL PLANNER® and Trust and Estate Practitioner for iA Private Wealth Inc. This is not an official program of iA Private Wealth Inc. and the opinions expressed during this podcast are those of Kimberley Sh…
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Feb 17, 2021
S4 E05: Going Alone: After a Relationship
Divorce or separation can leave many women wondering what will come of their finances and how they will support themselves, their dependents, and overall lifestyle. For some, this means taking finances into their own hands for the first time ever and learning how to pave the way themselves. This episode, with certified financial planner Léony DeGraaf, CFP, CEA, EPC, will focus on what issues women face when going through a separation or divorce and what they can do to set themselves up for independent financial wellbeing and success. This episode was recorded on June 24, 2021.
This episode is made possible by the generous support of our national development sponsor, Canada Life.
Additional resources:
* Love and Money: Conversations to Have Before You Get Married
* Babies: How to Afford Your Bundle of Joy
* We CARE about you and your finances (cpacanada.ca)
* deGraaf Financial Strategies - Divorce Preparation Worksheet
Download transcript
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Feb 11, 2021
S3 E05 - Tax Time Doesn’t Have to be Taxing
Almost a year into the pandemic and it’s hard to believe it’s already approaching tax time again. With a disruptive year in our rearview, Fabio Bonanno, CPA, CA, Principal, Taxation at CPA Canada, guides listeners through the necessary information this coming tax season. This episode was recorded on January 27, 2021 via Skype. Please note: the topics discussed in this recording are as at the date of the recording, rules may have changed since the recording date. This recording is not intended to be tax advice.
For resources visit: cpacanada.ca/COVID19finlit
Additional resources mentioned in podcast:
* CPA Canada Tax Blog on Home Office Expenses
* CPA Canada Tax Blog on Income Tax Impact of Key COVID-19 support programs
* CRA Home Office Expense Online Calculator and Guidance
* CRA Employment Expense Guide
* Temporary Changes to EI
* Canada Recovery Benefit
* Canada Recovery Sickness Benefit
* Canada Recovery Caregiving Benefit
The views and opinions expressed in…
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Feb 10, 2021
S4 E04: The Working Mother - Juggling Work and Home
Let’s face it. Being a mom is a full-time job by itself, add a career on top of that as well as tending to the everyday needs and wants of your kids, and soon not only is your bank account depleting, but so is your time. In this episode, Lisa van de Geyn, freelance writer, editor, mom and author of Babies: How to Afford Your Bundle of Joy, will teach us how to make a plan before having kids, how to budget for becoming a mom and growing a family as well as how to juggle motherhood and a career. This episode was recorded on June 10, 2021.
This episode is made possible by the generous support of our national development sponsor, Canada Life.
Additional resources:
* Love and Money: Conversations to Have Before You Get Married
* Babies: How to Afford Your Bundle of Joy
* We CARE about you and your finances (cpacanada.ca)
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Feb 4, 2021
S3 E04 - Financial Planning 101 - What You Need to Know
It can be difficult to plan our financial future on a normal day, add in a global pandemic and it can make things even more challenging. In this episode, Aurèle Courcelles, CPA, CMA, CFP, TEP, FP Canada™ Fellow explains that “it’s never too late to start” as he breaks down the importance of making a financial plan as well as provides steps you can take to get started today. This episode was recorded on November 26, 2020 via Skype.
Want to hear more from Aurèle? Tune into the webinar, Financial planning: Building a lifelong financial plan offered on-demand.
For more resources, visit cpacanada.ca/finlitresources, fpcanada.ca, “Your Financial Toolkit” (Financial Consumer Agency of Canada)
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Feb 3, 2021
S4 E03: The Working Woman - First Jobs and New Jobs
Starting a career or entering into a new career can be exciting but it also poses unique financial obstacles and challenges for a woman. In this episode, guest Gloria Ng, CPA and podcast host for MISS FINDEPENDENT , sheds light on entering into a new job with a focus on how to set yourself up for success, manage student loans, set goals and establish life-long healthy financial habits. This episode was recorded on June 18, 2021.
This episode is made possible by the generous support of our national development sponsor, Canada Life.
Additional resources:
* Love and Money: Conversations to Have Before You Get Married
* Babies: How to Afford Your Bundle of Joy
* We CARE about you and your finances (cpacanada.ca)
* MISS FINDEPENDENT podcast - Lifestyle Creep
* MISS FINDEPENDENT podcast - Side Hustles
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Jan 27, 2021
S4 E02: The “Risky” Woman - Risk and Investing For Women 101
Confidence in money decisions comes with knowledge and practice. Join Lisa Zamparo, CPA, CA, Financial Strategist and founder of the Wellth Company, to explore how to learn about your money, make your money work for you, what steps you can take to gain the confidence to make decisions, the gender gap in risk and investing, and how you can take calculated risks for setting up your financial future. This episode was recorded on July 8, 2021.
This episode is made possible by the generous support of our national development sponsor, Canada Life.
Additional resources:
* Love and Money: Conversations to Have Before You Get Married
* Babies: How to Afford Your Bundle of Joy
* We CARE about you and your finances (cpacanada.ca)
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Jan 21, 2021
S3 E03: Life Insurance 101 - What You Need To Know
Are you confused about life insurance? How do you know if the life insurance you have is enough? Why is it so hard to talk about something that is so important? In this episode, Graham Rogers, FSA, FCIA, Director of Product and Large-Case Support at Canada Life, helps us understand the ins and outs of life insurance and what we can do to ensure we are informed and protected, especially during these unpredictable times. This episode was recorded via Skype.
Want to hear more from Graham? Tune in to the webinar, Life insurance after COVID-19: Protecting yourself now and in the future offered on-demand.
For more resources, visit cpacanada.ca/finlitresources.
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Jan 20, 2021
S4 E01: The Money Mindset - Changing the Way Women Relate to Money
This episode explores how women think and relate to money; helping women better understand money in order to find comfort in their own financial lives. Join our expert Vanessa Bowen, CPA, Money Coach and founder of Mint Worthy, as she discusses her challenges around money and how she took ownership of her financial life, while providing insight on how women can gain confidence in dealing with money matters that they tend to avoid. This episode was recorded on June 30, 2021.
This episode is made possible by the generous support of our national development sponsor, Canada Life.
Additional resources:
* Love and Money: Conversations to Have Before You Get Married
* Babies: How to Afford Your Bundle of Joy
* We CARE about you and your finances (cpacanada.ca)
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Jan 14, 2021
Small Business Series – E07 – Entrepreneurship in Uncertainty
I was planning to start (or grow) a business in 2020 before the world changed. What do I do now? What options are available to me?
Join our expert Lisa Zamparo, CPA, CA, founder of The Wellth Company, as she walks us through her career as an accountant, how she made the transition into entrepreneurship and how she has had to pivot to deal with the disruptions brought on by the pandemic.
This episode is part of our podcast focusing on helping Ontario small businesses get through the pandemic. This series is made possible by the generous support of the Government of Ontario.
For resources and more information, visit, CPA Canada’s Ontario small business financial literacy resources, CPA Canada’s COVID-19 Financial Literacy page for business owners and Make Lemonade.
Host: Garth Sheriff, CPA, CA, Sheriff Consulting
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The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information present…
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Dec 18, 2020
Small Business Series – E06 – How entrepreneurs are adapting to the pandemic
The pandemic has led to one of the largest economic crises in modern history. In this new business environment, many entrepreneurs are showing ingenuity in adapting to post crisis challenges. This episode outlines priorities highlighted in the BDC’s research study focusing on How Entrepreneurs Are Adapting to the Pandemic.
Join our expert Pierre Cléroux, Vice President, Research and Chief Economist at Business Development Bank of Canada (BDC), as he walks us through the findings on how entrepreneurs are adapting to the pandemic.
This episode is part of our podcast focusing on helping Ontario small businesses get through the pandemic. This series is made possible by the generous support of the Government of Ontario.
For resources and more information, visit, CPA Canada’s Ontario small business financial literacy resources, CPA Canada’s COVID-19 Financial Literacy page for business owners and BDC - Information to help your business take action during the COVID-19 crisis
Host:…
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Dec 11, 2020
Small Business Series – E05 – Making Heads and Tails of Taxes
Like many things, the pandemic has affected the Canadian tax system. This episode provides practical insights on key risks and tax planning opportunities for small businesses.
Join our expert Michael Espinoza, CPA, CA, Senior Manager at Grant Thornton as he walks us through his thinking on how small businesses should prepare and plan for the upcoming tax season.
***Please note that after recording this podcast on December 1, 2020, the Government of Canada announced further details relating to the Canada Emergency Business Account (CEBA). For more information please visit: ceba-cuec.ca.
This episode is part of our podcast focusing on helping Ontario small businesses get through the pandemic. This series is made possible by the generous support of the Government of Ontario.
For resources and more information, visit, CPA Canada’s Ontario small business financial literacy resources and CPA Canada’s COVID-19 Financial Literacy page for business owners.
Host: Garth Sheriff, CPA, CA,…
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Dec 3, 2020
Small Business Series – E04 – Futureproofing My Business
We have entered a tentative normal but how long may this last and how do I better prepare my business for future disruptions?
Join our expert Saeideh Fard, CPA, CA, Senior Vice President of Finance at PointClickCare as she walks us through her thinking in how a business should prepare and plan for disruptions in the normal course of a business.
This episode is part of our podcast focusing on helping Ontario small businesses get through the pandemic. This series is made possible by the generous support of the Government of Ontario.
For resources and more information, visit, CPA Canada’s Ontario small business financial literacy resources and CPA Canada’s COVID-19 Financial Literacy page for business owners.
Host: Garth Sheriff, CPA, CA, Sheriff Consulting
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The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. This is a recorded Podcast. The information presented is current as of the date of recording. New and changin…
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Nov 26, 2020
Small Business Series – E03 – Mental and Emotional Toil for Small Business Owners
It is not always about the numbers. Mental wellness during a crisis is more important than ever. How can small business owners manage their own stress?
Join our expert Rebecca Shields from the Canadian Mental Health Association (CMHA) for York and South Simcoe as she walks us through understanding the stigma around mental health; the early warnings signs; why it is important for small business owners to have effective strategies to handle their mental health and strategies to assist with effective care and management.
This episode is part of our podcast focusing on helping Ontario small businesses get through the pandemic. This series is made possible by the generous support of the Government of Ontario.
For resources and more information, visit, CPA Canada’s Ontario small business financial literacy resources, CPA Canada’s COVID-19 Financial Literacy page for business owners, the Centre for Addiction and Mental Health (CMHA Canada)
If you are experiencing a mental health or ad…
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Nov 19, 2020
Small Business Series – E02 – Re-evaluating my business model
With the economic stress brought on by uncertainty, businesses need to re-evaluate their models in a changing world. Businesses that once thrived, are now not sure if this can be sustained. As a business owner, what questions do I need to be asking? What early indications will I have about the health of my business moving forward?
Join our expert Jamie Smith, CPA, CA from Amplify Advisors and Bearhill as she walks us through her thinking in how a business can re-evaluate their business models in times of uncertainty.
This episode is part of our podcast focusing on helping Ontario small businesses get through the pandemic. This series is made possible by the generous support of the Government of Ontario.
For resources and more information, visit, CPA Canada’s Ontario small business financial literacy resources and CPA Canada’s COVID-19 Financial Literacy page for business owners.
Host: Garth Sheriff, CPA, CA, Sheriff Consulting
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The views expressed by our gu…
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Nov 16, 2020
Small Business Series - E01 - Making Tough Decisions - Restructuring Your Business
With the economic stress brought on by the uncertainty, businesses need to change to survive. How do I know when I should restructure my business? What questions do I need to consider? How do I communicate tough decisions to my employees and stakeholders? What other questions should I consider? Join our expert Eitan Dehtiar, CPA, CMA, Land and People Planning (LP), as he walks us through his thinking in making the tough decisions around restructuring.
This episode is part of our podcast focusing on helping Ontario small businesses get through the pandemic. This series is made possible by the generous support of the Government of Ontario.
For resources and more information, visit, CPA Canada’s Ontario small business financial literacy resources and CPA Canada’s COVID-19 Financial Literacy page for business owners.
Host: Garth Sheriff, CPA, CA, Sheriff Consulting
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The views expressed by our guests are theirs alone and not necessarily the views of CPA Canada. T…
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Nov 6, 2020
S3 E02: A Window Into Working From Home: Protecting You and Your Employer
Many of us have shifted our work environment in the wake of COVID-19 by creating “virtual home offices.” With this, we face different challenges and considerations, especially when it comes to fraud. In this episode, David Malamed, CPA, CA and court qualified forensic accounting and fraud investigation expert uncovers what employers and employees should be doing to keep intellectual property and company information safe. This episode was recorded via Skype.
For more resources, visit cpacanada.ca/finlitresources and uncoverfraud.com.
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Oct 22, 2020
S3 E01: Put Your Money Where Your Mouth Is – The Kids Edit
Talking to your kids about money can be challenging for many. Where do you start? What do you say? How do you say it? In this episode, Leigh Sindlinger CPA, CGA, mom, and all-star financial literacy volunteer breaks it down for us. Hear about her “golden rule” and why she believes it is never too young to start talking about money. This episode was recorded via Skype.
Looking for a place to start? Be sure to check out For the Kids: Setting SMART Goals webinar to get your kids on the right track to setting goals and making their dreams come true.
For more resources, visit cpacanada.ca/finlitresources
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Jun 18, 2020
COVID-19 Special Series E06 - Retirement in the Unknown
There are several “unknowns” as we start to look towards the future and life after COVID-19. For many, a big unknown is what their retirement looks like. In our last episode of this special COVID-19 series, David Trahair, CPA, CA, and author of “The Procrastinator’s Guide to Retirement: How you can retire in 10 years or less” helps us try to make sense of this unknown. David believes it’s not the strongest, it’s not the smartest, but it’s those who will adapt to the changing environment who will be successful moving forward. Through analyzing the past, acting in the now and planning for the future, he uncovers how we can focus on emerging from this crisis. This episode was recorded via Skype.
For resources, visit cpacanada.ca/COVID19finlit
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Jun 12, 2020
COVID-19 Special Series E05 - Investing During Major Market Swings
COVID-19 has caused financial stress on individuals as many are worried about their investments. In this episode, Larry Short, CPA, CGA, Portfolio Manager and Executive Director, Private Client Group at HollisWealth/ShortFinanical, helps to ease some of this worry by explaining we have seen these “unprecedented” times in the past. Larry provides insight into the situation as well as shares tips to investing during a market downturn. This episode was recorded via Skype (May 7, 2020) and contains some content from a previously recorded webinar, “Wellness in a Time of Crisis” (April 22, 2020).
For additional resources, visit cpacanada.ca/COVID19finlit, shortfinancial.ca/blog-archive or view Larry’s timely book, “In Short: Successful Investing During Turbulent Times”
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Jun 4, 2020
COVID-19 Special Series E04 - Saving with Volatile Incomes
The pandemic has caused many to re-evaluate their financial situation, such as analyzing expenses and their needs versus wants. In such unpredictability, some are even wondering what they can do now to benefit their financial situation long-term, including saving. Join Garth Sheriff, CPA, CA, and entrepreneur as he shares his story on how he and his family are tracking costs during COVID-19, while providing listeners with practical strategies for saving during this volatile time. This episode was recorded via Skype.
For resources, visit cpacanada.ca/COVID19finlit
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May 28, 2020
COVID-19 Special Series E03 - Tax in Turbulent Times
Tax season comes every year, but this year looks a bit different given the pandemic circumstances. In this episode, we talk all things tax with Fabio Bonanno, CPA, CA, Principal, Taxation at CPA Canada, as he walks us through some of the government benefits available and what we need to know about tax during the COVID-19 crisis. This episode was recorded via Skype.
For resources and more information, visit the CPA Canada Tax Blog, CRA COVID-19 Changes and Updates and, Applying for CERB with CRA.
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May 22, 2020
COVID-19 Special Series E02 - Dealing With Debt in a Crisis
Debt can be debilitating. Add COVID-19 into the mix and the problem gets bigger for many. With an East-meets-West approach, this episode uncovers the debt situation in Canada as well as provides solutions to help combat this financial crisis. Join Sandy Lyons, CPA, CA, CIRP, LIT, Senior Manager, Licensed Insolvency Trustee at Grant Thornton Limited, Frank Fabiano, CPA, CA, CIRP, LIT, Partner at Grant Thornton Limited and Robert Hunt, CIRP, LIT, Managing Partner at Grant Thornton Limited for an insightful conversation on dealing with debt during this difficult time. This episode was recorded via Skype.
For resources, visit cpacanada.ca/financialliteracy and gtdebtsolutions.com/covid-19
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May 14, 2020
COVID-19 Special Series E01 - Mental Wellness During a Pandemic
Financial wellness and mental wellness are connected. It’s no secret that COVID-19 has left many individuals struggling mentally. Mary Ann Baynton, Director of Strategy and Collaboration, Workplace Strategies for Mental Health, at Canada Life, helps us tackle these mental health hurdles by providing insight and strategies to take control in this uncertain time. This episode was recorded via Skype.
For resources, visit Workplace Strategies for Mental Health - Personal Well Being.
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Jan 29, 2020
S2 E05 - That Side Hustle Life
For many the side hustle has become a way to supplement income. Discover how one man, Peter Waitzman, well known YouTube product reviewer, turned his love for starting businesses into a money-making side-gig.
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Jan 29, 2020
S2 E04 - Will These Kids Be Alright? – Canada’s Financial Future
For the past few decades, Gary Rabbior, President at the Canadian Foundation for Economic Education, has worked to make sure our future generations are well-equipped and have the skills to make smart financial decisions.
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Jan 29, 2020
S2 E03 - Understanding The Journey – The CPA Canada Financial Literacy Story
Starting a financial literacy program requires knowledge as well as a desire to educate and help individuals. Keeping a financial literacy program sustainable and successful is a whole other endeavor. Hear from Li Zhang, Principal of Corporate Citizenship at CPA Canada, on how CPA Canada’s award-winning financial literacy program has been a leader in financial education for the last decade.
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Jan 29, 2020
S2 E02 - Fitting Financial Literacy Into Your Program
Does Financial Literacy have a place in your existing program? Mack Rogers, Executive Director at ABC Life Literacy Canada, breaks down how they expanded their existing program to include financial education.
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Jan 29, 2020
S2 E01 - The Power of the Paycheque
Many of us do not know what goes into making sure working Canadians get paid accurately and on time. Janice MacLellan, former Vice President of Operations at The Canadian Payroll Association, explains the importance and direct impact payroll has on businesses and employees.
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Oct 8, 2019
S1 E06 - Money & Shame: Counselling Canadians Out of Debt
How do you climb out of debt? Laurie Campbell, from Credit Canada, tell us how shame continues to prevent Canadians from seeking financial assistance, often prolonging their hardship and causing people to make the wrong choices when seemingly stuck in a dire financial situation.
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Oct 5, 2019
S1 E05 - Planning for retirement / senior living
Wanda Morris, CPA, CA, from the Canadian Association of Retired Persons (CARP), and Doretta discuss the key financial lessons learned by Canadians when they retire, and what to do when planning for your golden years to avoid financial shock.
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Feb 11, 2019
S1 E04 - Investment Traps and FOMO
This week we talk to Larry Short, CPA, CGA, Portfolio Manager of HollisWealth/ShortFinancial, about investment traps, borrowing to invest and FOMO (Fear of missing out).
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Dec 11, 2018
S1 E03 - Financial Wellness - Links between health and wealth
This week we talk to Jenna Van Draanen, Postdoctoral Research Fellow at the University of British Columbia, about the relationship between finances and mental health. What does the stress look like and how does it affect mental health?
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Nov 23, 2018
S1 E02 - The Emotions of Money
People are inundated with messages in today’s world. So to survive the onslaught, people tune out the noise. People will even ignore information that is critical - especially in financial matters. Knowing that, the way to break through is to use emotion in your messaging. Emotion moves people, it gets attention, and more importantly, emotion gets people to act on your ideas. We talk to CBC's Terry O’Reilly about how to use emotion to change the conversation around money.
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Nov 22, 2018
S1 E01 - The Behavioural Economics of Money
We talk to Jeff Kreisler, author, comedian and lawyer, about behavioural economics and how it impacts the irrational mind.
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