Braun Financial Services Ltd.

10/19/2023

IPFC 96 - Understanding Moshe Milevsky's Views on Retirement

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 difference is between biological age and chronological age and how misunderstanding this difference can hurt your finances later in life.

Listen to this episode from It's Personal Finance Canada on Spotify. 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 s...

10/12/2023

IPFC 95 - Getting Personal With Michelle D.

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 need, put their savings towards the debt (minus RRSP’s and emergency fund), used just one car and planned errands strategically to save on gas. Most importantly her changed mindset lead to a feeling of control over her life and more satisfaction, even living with less.

Listen to this episode from It's Personal Finance Canada on Spotify. 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...

09/28/2023

IPFC 93 - Unconditional Cash Transfers Reduce Homelessness

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 the landmark study “Unconditional Cash Transfers Reduce Homelessness.” Find out how people normally stigmatized for their homelessness used a one-time gift of $7,500 to better their lives in a way which goes against the preconceived narrative.

Listen to this episode from It's Personal Finance Canada on Spotify. 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...

09/13/2023

IPFC 91 - Money Questions That Can Change Your Life

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, investing and protection is talked about and how we can overcome the dreadmill, I mean treadmill of debt and not accomplishing our goals in life.

Listen to this episode from It's Personal Finance Canada on Spotify. 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...

09/08/2023

IPFC 90 - Die With Zero

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 kick their bucket after it's been empty.

Listen to this episode from It's Personal Finance Canada on Spotify. 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 h...

09/01/2023

IPFC 89 - Canadian's Guide to American Personal Finance Books

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 Retirement Arrangement, we don’t know! Plus a host of other tips to help you redeem those books you bought but can’t apply.

https://open.spotify.com/episode/3UfPUC50YM3iQQoI2TS9iU?si=ZdOAcU_WTx6P-JP0c4UaNg

08/24/2023

IPFC 88 - Money Magic

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 Kotlokoff and see how this master of the financial arts can teach us about crafting our lives into the best financial outcome possible.

*IPFC is not responsible for listeners spontaneously transforming into frogs or anything else unnatural by listening to this episode.

https://open.spotify.com/episode/2LPeMwN6PN7TJXe2HxR9hK?si=WXbnLaOvTtKAS-ye2F5z2Q

Listen to this episode from It's Personal Finance Canada on Spotify. 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...

08/21/2023

IPFC 87 - It's Personal Christine's Story

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

https://open.spotify.com/episode/5NTyIeTKTMRZQXWIU730br?si=JrwzCXcNQ0yfrMAvF4ARYw

Listen to this episode from It's Personal Finance Canada on Spotify. 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 li...

08/10/2023

IPFC 86 - 2023 Summer Market Outlook Part 2

"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.

https://open.spotify.com/episode/6Lp6eYlkQ9BNkj9q2DCLTA?si=qggGhLrESBqwXyt4P9mpHA

Listen to this episode from It's Personal Finance Canada on Spotify. "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...

07/24/2023

IPFC 84 - Financial Freedom

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, or financial freedom, we won’t judge.

https://open.spotify.com/episode/0STSapSxzbuFiibLze2Hx7?si=eDh2AptjRUeIUrgBKbqJqA

Listen to this episode from It's Personal Finance Canada on Spotify. 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 b...

07/19/2023

IPFC 83 - Playing With Fire Part 2

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 does it turn to rust in when you need it the most.

https://open.spotify.com/episode/0ofd87XNcVP5Y0mxixJG1a?si=YFPTVmczShOeoZKwKM1TrQ

Listen to this episode from It's Personal Finance Canada on Spotify. 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...

07/10/2023

IPFC 82 - Playing with FIRE Part 1

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 investigation.

https://open.spotify.com/episode/3YQARra6Q9314lrtMJ2Z2X?si=cUQhd7g0RWaNHGCv2m8SdA

Listen to this episode from It's Personal Finance Canada on Spotify. 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 ...