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Never keep more than a month of expenses in cash."You've probably seen some version of this before.There's a real idea b...
07/20/2026

Never keep more than a month of expenses in cash."

You've probably seen some version of this before.

There's a real idea behind it. Cash can lose purchasing power over time, which is why the advice sounds sensible.

But what it doesn't tell you is that cash can also have an important job. It might be your emergency fund, your buffer during an unpredictable income month, or the money you've set aside for an upcoming expense.

The same advice can lead to different answers depending on who's hearing it.

That's why this claim lands in our Needs Context bucket.

The next time you come across a money rule that starts with "always" or "never," pause before taking it at face value.

Save this post for the next piece of money advice you're unsure about.

07/17/2026

She loaned a family member more than $100,000 and couldn’t bring herself to ask for it back.
That was the starting point for my latest Toronto Star financial plan. And it’s a good example of why the spreadsheet is usually the easy part of my job.
The hard part is what’s underneath: family dynamics, fear, decisions that built up quietly over years.
The plan and what I recommended is linked in the comments.

Have you ever realized a financial decision was actually about something other than money?

A vacation should bring you closer, not create tension over money.Many travel disagreements don't come from spending its...
07/17/2026

A vacation should bring you closer, not create tension over money.

Many travel disagreements don't come from spending itself. They come from different expectations that were never discussed.

One person is happy with a relaxed beach day. The other wants to book every excursion.

One plans to shop for souvenirs. The other is trying to stick to a budget.

Neither approach is wrong. The key is talking about it before you book.

A few simple conversations about your budget, priorities, and how you'll handle expenses can help you avoid misunderstandings and enjoy your trip with greater peace of mind.

The goal is to understand each other's expectations and make decisions together.

We often hear that a 50/50 split is the "fair" way to manage money in a relationship.But fairness isn't always about div...
07/16/2026

We often hear that a 50/50 split is the "fair" way to manage money in a relationship.

But fairness isn't always about dividing everything equally. It's about finding an approach that feels sustainable and respectful for both people.

When incomes, responsibilities, or life circumstances are different, splitting every expense down the middle can place a heavier burden on one partner than the other.

A healthier question to ask is:
Does this feel fair to both of us?

For ongoing household expenses, some couples choose to contribute based on income. For one-off costs like weddings, gifts, or trips, the conversation might be about who benefits and what feels reasonable.

There's no universal formula for managing money together. The goal isn't perfect math; it's making intentional decisions as a team.

For many women, financial stress doesn't begin with a lack of knowledge. It begins with a lack of conversation.Maybe mon...
07/15/2026

For many women, financial stress doesn't begin with a lack of knowledge. It begins with a lack of conversation.

Maybe money wasn't discussed at home.
Maybe it only came up during difficult times.
Maybe you learned that talking about finances was impolite, embarrassing, or something to keep private.

When money feels like a taboo topic, it's easy to believe you're supposed to figure everything out on your own.

But you don't have to.

Some of the most powerful financial decisions begin with a simple conversation. Asking a question, sharing an experience, or seeking guidance can replace uncertainty with clarity and shame with confidence.

The more we normalize honest money conversations, the easier it becomes for everyone to learn, grow, and make informed decisions.

Let's create a future where talking about money feels as normal as planning for it.

"Let's split everything 50/50."It sounds like the simplest solution, but equal doesn't always mean fair.When two people ...
07/13/2026

"Let's split everything 50/50."

It sounds like the simplest solution, but equal doesn't always mean fair.

When two people have different incomes, the same expense can have a very different impact on each person's budget. That's why many couples find it more helpful to think about what's fair for their situation, rather than assuming every expense has to be divided equally.

The same idea applies to one-off costs like weddings, gifts, or trips. Sometimes the better conversation is about who benefits from the expense and what feels reasonable for both people.

The numbers matter, but so does the conversation.

A little openness can go a long way toward helping both people feel heard and respected.

Save this post for your next money conversation, and share it with someone you split expenses with.

07/11/2026

I’ve spoken with many founders over the years, and one conversation seems to come up again and again.
You start a business as one person, and somewhere along the journey, something begins to shift.
Have you found yourself changing as your business has grown?

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07/10/2026

I’ve spoken with many founders over the years, and one conversation seems to come up again and again.
You start a business as one person, and somewhere along the journey, something begins to shift.
Have you found yourself changing as your business has grown?

We often celebrate financial wins, but we don't talk enough about the detours.The budget that didn't last.The investment...
07/10/2026

We often celebrate financial wins, but we don't talk enough about the detours.

The budget that didn't last.
The investment you wish you'd researched more.
The emergency that changed your plans.
The goal you had to postpone.

These moments can feel discouraging, but they're also part of how we learn.

Financial confidence isn't built by getting every decision right. It's built by making adjustments, learning from experience, and continuing to move forward.

A course correction isn't a sign that you've failed. It shows that you're paying attention and adapting to real life.

If there's one thing we'd love for you to remember, it's this:

Your financial journey doesn't have to be perfect to be meaningful.

A vacation doesn't just cost the flights, hotel, and meals.It also happens while rent, insurance, subscriptions, and oth...
07/09/2026

A vacation doesn't just cost the flights, hotel, and meals.

It also happens while rent, insurance, subscriptions, and other monthly expenses continue in the background.

That's why a trip that felt affordable can sometimes leave the following month feeling unexpectedly tight.

The goal isn't to feel guilty about spending money on experiences you enjoy.

It's to understand the full cost before you go, so you can travel with confidence and come home without financial stress.

A dedicated travel fund can help make that possible.

Because the real luxury isn't just taking the trip, it's enjoying it without worrying about what comes next.

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