Listen, It's impossible to accurately imagine how your life will be different after you welcome a new human into your it, so there's no such thing as being fully prepared for becoming a parent. There is, however, such a thing as being prepared for what you know will happen (like the paperwork you'll need to fill out, and the gotchas to avoid) in order to make it easier to focus on the stuff that completely blindsides you (like the utter insanity of it all or how suddenly and fiercely you fall in love with your new human).Time stamps:1:22 - Parenthood, uncertainty and unsatisfyingly true answers14:19 - What to think about in the year before the birth17:20 - Financial tools that people think are useful (like RESPs)27:30 - Making sure to check for Income tested benefits 29:50 - CHILDCARE. IT'S EXPENSIVE... so what do you even do? 37:00 - John speaks with Sandi's voice about how society has it way wrong

Listen, It's impossible to accurately imagine how your life will be different after you welcome a new human into your it, so there's no such thing as being fully prepared for becoming a parent. There is, however, such a thing as being prepared for what you know will happen (like the paperwork you'll need to fill out, and the gotchas to avoid) in order to make it easier to focus on the stuff that completely blindsides you (like the utter insanity of it all or how suddenly and fiercely you fall in love with your new human). Time stamps: 1:22 - Parenthood, uncertainty and unsatisfyingly true answers 14:19 - What to think about in the year before the birth 17:20 - Financial tools that people think are useful (like RESPs) 27:30 - Making sure to check for Income tested benefits 29:50 - CHILDCARE. IT'S EXPENSIVE... so what do you even do? 37:00 - John speaks with Sandi's voice about how society has it way wrong

S6 E05 | Welcome To Parenthood

Are you as tired as we are of "the economy" being trotted out to support every tax and social policy argument? Do you wish that people who use the phrase "the economy" were required to specify exactly what they're talking about? Us, too.  Timestamps:1:38 - Personal Economy vs THE Economy 10:57 - Revolution starts with imagination 22:33 - The Flat Tax Fallacy 39:00 - In the face of big structural issues ... what do we do?

Are you as tired as we are of "the economy" being trotted out to support every tax and social policy argument? Do you wish that people who use the phrase "the economy" were required to specify exactly what they're talking about? Us, too. Timestamps: 1:38 - Personal Economy vs THE Economy 10:57 - Revolution starts with imagination 22:33 - The Flat Tax Fallacy 39:00 - In the face of big structural issues ... what do we do?

S6 E04 | But The Economy!

Yes, we have socialized medicine here in Canada (and are grateful for it!) But if you or someone you love needs to travel somewhere for treatment, or medical supplies that aren't covered (like osotomy bags), or drugs that might cost $2,400 in one visit to the pharmacy or $0 in the next...you might be surprised at the financial and emotional toll it can take on you.Timestamps:4:18 - Getting “comfortable" with uncertainty6:08 - Bedside manner matters - in medicine and in finance (and not just for the practitioners)13:48 - The unexpected cost of healthcare: A very … vivid picture of the function and cost of the ostomy bag22:13 - Should you get extended health coverage?

Yes, we have socialized medicine here in Canada (and are grateful for it!) But if you or someone you love needs to travel somewhere for treatment, or medical supplies that aren't covered (like osotomy bags), or drugs that might cost $2,400 in one visit to the pharmacy or $0 in the next...you might be surprised at the financial and emotional toll it can take on you. Timestamps: 4:18 - Getting “comfortable" with uncertainty 6:08 - Bedside manner matters - in medicine and in finance (and not just for the practitioners) 13:48 - The unexpected cost of healthcare: A very … vivid picture of the function and cost of the ostomy bag 22:13 - Should you get extended health coverage?

S6 E03 | The Surprising Costs of Medical Care

Ian McNaughton

We truly believe that real conversations about money have the power to improve how we make decisions about our finances. In this episode, we're joined by Ian McNaughton, a seasoned coach and communications expert, to learn how to get better at having those conversations.Timestamps:4:12 - Ian talks about the effects of wealth6:48 - Ian talks about how to talk about money between generations21:20 - Ian talks about communicating in the really tough times and how to be with someone in the stressIntroducing ‘respectful doubt’ into a conversation30:42 - Ian makes Sandi and Chris cry (the perfect thing to say to someone you love when you can’t communicate about money)44:45 - Ian’s story - wealth, crash, and building something different

We truly believe that real conversations about money have the power to improve how we make decisions about our finances. In this episode, we're joined by Ian McNaughton, a seasoned coach and communications expert, to learn how to get better at having those conversations. Timestamps: 4:12 - Ian talks about the effects of wealth 6:48 - Ian talks about how to talk about money between generations 21:20 - Ian talks about communicating in the really tough times and how to be with someone in the stress Introducing ‘respectful doubt’ into a conversation 30:42 - Ian makes Sandi and Chris cry (the perfect thing to say to someone you love when you can’t communicate about money) 44:45 - Ian’s story - wealth, crash, and building something different

S6 E02 | Better Conversations with Ian McNaughton

Welcome back to season six of Because Money! Since we last spoke, the show itself and each of our co-hosts have experienced transitions - some minor, some very, very major - and we've adopted the theme of transition to shape our conversations for the upcoming season. Join us for an episode of updates, outtakes, and change.Timestamps:2:45 - Planning for transitions that 'might' happen8:50 - The biggest Because Money transition of all10:15 - John talks about health, family, and taking a sabbatical20:58 - Chris talks about stepping back from Opera27:30 - Sandi talks about growing Spring 38:52 - Some cool news about Because Money (and how you can talk to use EVEN MORE!!)

Welcome back to season six of Because Money! Since we last spoke, the show itself and each of our co-hosts have experienced transitions - some minor, some very, very major - and we've adopted the theme of transition to shape our conversations for the upcoming season. Join us for an episode of updates, outtakes, and change. Timestamps: 2:45 - Planning for transitions that 'might' happen 8:50 - The biggest Because Money transition of all 10:15 - John talks about health, family, and taking a sabbatical 20:58 - Chris talks about stepping back from Opera 27:30 - Sandi talks about growing Spring 38:52 - Some cool news about Because Money (and how you can talk to use EVEN MORE!!)

S6 E01 | Transitions

Impostor syndrome, squishy soft skills and the importance of real hard data... we talk about why we think the bigger conversation around money is so important.Timestamps:1:00 - Why did Sandi start this thing in the first place? 3:14 - The value in non-actionable conversations17:05 - John talks about the dangers getting lost in the data (for people who have spreadsheets for brains)18:30 - Kate and Chris talk about imposter syndrome and how hard it is to be in a conversation when you feel like you don't know enough30:00 - Sandi talks about the importance of being seen

Impostor syndrome, squishy soft skills and the importance of real hard data... we talk about why we think the bigger conversation around money is so important. Timestamps: 1:00 - Why did Sandi start this thing in the first place? 3:14 - The value in non-actionable conversations 17:05 - John talks about the dangers getting lost in the data (for people who have spreadsheets for brains) 18:30 - Kate and Chris talk about imposter syndrome and how hard it is to be in a conversation when you feel like you don't know enough 30:00 - Sandi talks about the importance of being seen

S5 Ep15 | Season Finale

How do you talk about money when you're by yourself? We didn't even know this was a question you could ask... but John does in a solo episode.Timestamps:  1:00 - How do you have the conversation alone 6:11 - The problem with the loudest voice in the conversation (the church of Bitcoin)11:49 - John talks about making pancakes

How do you talk about money when you're by yourself? We didn't even know this was a question you could ask... but John does in a solo episode. Timestamps: 1:00 - How do you have the conversation alone 6:11 - The problem with the loudest voice in the conversation (the church of Bitcoin) 11:49 - John talks about making pancakes

S5 Ep14 | Talking about Money by Yourself

John leads the charge on challenging some of the defaults we have in the financial world... and why they're sometimes complete phooey. Timestamps: 2:30 - John doesn't need to iron his shirts to feel like a grownup 9:00 - You don't have to buy a house for Aunt Jo 20:49 - What Kate thinks being an adult is 30:22 - How do you not fall into these defaults? 45:25 - There's a social cost to forging your own path

John leads the charge on challenging some of the defaults we have in the financial world... and why they're sometimes complete phooey. Timestamps: 2:30 - John doesn't need to iron his shirts to feel like a grownup 9:00 - You don't have to buy a house for Aunt Jo 20:49 - What Kate thinks being an adult is 30:22 - How do you not fall into these defaults? 45:25 - There's a social cost to forging your own path

S5 Ep13 | Dangerous Defaults

Breakups suck and money doesn't make them any easier.  We talk about how to talk about money in yet another situation where that's the last thing you want to talk about.  Timestamps: 3:44 - The underlying conversation - What if we don't make it?  17:55 - You can't celebrate feelings and finance 18:35 - The difference in the definition of 'common law' 27:15 - What's the 'right' answer for mythical financially excellent adults? 37:02 - If communication is impossible... maybe it's time to bring in some help...

Breakups suck and money doesn't make them any easier. We talk about how to talk about money in yet another situation where that's the last thing you want to talk about. Timestamps: 3:44 - The underlying conversation - What if we don't make it? 17:55 - You can't celebrate feelings and finance 18:35 - The difference in the definition of 'common law' 27:15 - What's the 'right' answer for mythical financially excellent adults? 37:02 - If communication is impossible... maybe it's time to bring in some help...

S5 Ep12 | Breakups

Mental illness and money: both things that people don't talk about and both things that are really really important things to talk about.  Timestamps:3:00 - Kate breaks down her last 6 months10:35 - At what point is the 'ideal job' a luxury you can't afford 15:05 - The things that help: setting the non-negotiables 26:20 - What are the right things to say to the people in our lives living with mental illness32:50 - You are allowed to be your whole self in all the places where you are

Mental illness and money: both things that people don't talk about and both things that are really really important things to talk about. Timestamps: 3:00 - Kate breaks down her last 6 months 10:35 - At what point is the 'ideal job' a luxury you can't afford 15:05 - The things that help: setting the non-negotiables 26:20 - What are the right things to say to the people in our lives living with mental illness 32:50 - You are allowed to be your whole self in all the places where you are

S5 Ep11 | Money & Mental Health

Real conversations about money in Canada. For more information visit us at http://www.becausemoney.ca

Real conversations about money in Canada. For more information visit us at <a href="http://www.becausemoney.ca" rel="nofollow" target="_blank">http://www.becausemoney.ca</a>

Because Money Podcast

Setting goals matters, both in our finances and in our general lives... but there's tons of ways to go through that process. We talk about personal goals, income goals and how we plan out our lives.  Timestamps: 1:40 - Kate talks about how she sets goals8:40 - Why Sandi is resisting setting personal goals15:05 - Who are you when you're not working (and why that matters in retirement)25:40 - Income goals and whether they work...or not36:00 - The metrics that matter (spoiler... 'matter' is subjective')43:40 - What we're working on for 2019

Setting goals matters, both in our finances and in our general lives... but there's tons of ways to go through that process. We talk about personal goals, income goals and how we plan out our lives. Timestamps: 1:40 - Kate talks about how she sets goals 8:40 - Why Sandi is resisting setting personal goals 15:05 - Who are you when you're not working (and why that matters in retirement) 25:40 - Income goals and whether they work...or not 36:00 - The metrics that matter (spoiler... 'matter' is subjective') 43:40 - What we're working on for 2019

S5 Ep9 | How We Plan

We dearly love to interrogate couples about how they negotiate money, and for this latest round we caught Owen and Sue just before they went on a date and forced them to tell us how they talk about money with each other. Well, we say "forced"...but it didn't take too much effort on our part, because it turns out that this married couple with young kids has their money communication strategy down cold. It's a beautiful thing to see, and we're excited to share it with you.  Timestamps:5:30 -  Owen and Sue's amazing, incredible, all powerful money meeting12:10 - What changed when they had kids?15:15 - Why Sue budgets in a Word Doc (and Owen DOES NOT)25:03 - What would Owen and Sue do with a surprise $3,000? 26:10 - How do they figure out what's 'fairsies'?32:50 - What's the advice you would give to other couples managing their money?

We dearly love to interrogate couples about how they negotiate money, and for this latest round we caught Owen and Sue just before they went on a date and forced them to tell us how they talk about money with each other. Well, we say "forced"...but it didn't take too much effort on our part, because it turns out that this married couple with young kids has their money communication strategy down cold. It's a beautiful thing to see, and we're excited to share it with you. Timestamps: 5:30 - Owen and Sue's amazing, incredible, all powerful money meeting 12:10 - What changed when they had kids? 15:15 - Why Sue budgets in a Word Doc (and Owen DOES NOT) 25:03 - What would Owen and Sue do with a surprise $3,000? 26:10 - How do they figure out what's 'fairsies'? 32:50 - What's the advice you would give to other couples managing their money?

S5 Ep6 | Couple Money: Owen & Susan

Inspired by a conversation about shampoo, this one gets deep: what's our responsibility to make ethical choices if we can't afford them?4:30 - I feel like we should be paying more for things &amp; nudges9:55 - Plastic straws vs A/C and low-stakes vs high stakes and virality11:25 - When you feel like you can afford to make ethical choices17:00 - Money is a thing that happens to people25:00 - Can I afford to enact change? When is enough?28:50 - My money is to create a barrier between me and work I don't feel safe at36:30 - When approaching from averages makes sense

Inspired by a conversation about shampoo, this one gets deep: what's our responsibility to make ethical choices if we can't afford them? 4:30 - I feel like we should be paying more for things &amp; nudges 9:55 - Plastic straws vs A/C and low-stakes vs high stakes and virality 11:25 - When you feel like you can afford to make ethical choices 17:00 - Money is a thing that happens to people 25:00 - Can I afford to enact change? When is enough? 28:50 - My money is to create a barrier between me and work I don't feel safe at 36:30 - When approaching from averages makes sense

S5 Ep3 | Affording Ethics

John Stapleton

It seems like retirement is the same for every one... but it's really not. John Stapleton joined us to talk about why retiring with low income is very different and requires a very different set of advice.  Time stamps:8:50 - How the wrong advice can cost a low income earner up to $60,00012:10 - The issue of clawbacks (rawr)18:30 - Is the problem a lack of advocacy or a lack of political will22:40 - Could Basic Income help? 40:08 - The difference between tax credits and tax deductions

It seems like retirement is the same for every one... but it's really not. John Stapleton joined us to talk about why retiring with low income is very different and requires a very different set of advice. Time stamps: 8:50 - How the wrong advice can cost a low income earner up to $60,000 12:10 - The issue of clawbacks (rawr) 18:30 - Is the problem a lack of advocacy or a lack of political will 22:40 - Could Basic Income help? 40:08 - The difference between tax credits and tax deductions

S5 Ep7 | Retiring On A Low Income With John Stapleton

Hey, fellow money nerds: how do you talk to people who don’t know or don’t care quite as much as you do? Kate Smalley is our guest this week because A) as a maker and marketer with lots of financial services clients and a paraplanner at Spring, she’s really interested in how people talk about money and B) we really like her. You will too, trust us. 14:13 - The power of vulnerability19:40 - Why you don’t need to know all the things to help people23:41 - How do you start a money conversation with people who have no interest in talking about money?24:00 - How the personal finance world is kind of like a fandom, and can be inaccessible to non-fans32:50 - How Kate has connected social media coaching with personal finance38:08 - Does the work have to happy one-on-one? 44:39 - Should you tell your friends if they’re eating raw chicken? 58:55 - Chris rants so hard he gets a foot cramp

Hey, fellow money nerds: how do you talk to people who don’t know or don’t care quite as much as you do? Kate Smalley is our guest this week because A) as a maker and marketer with lots of financial services clients and a paraplanner at Spring, she’s really interested in how people talk about money and B) we really like her. You will too, trust us. 14:13 - The power of vulnerability 19:40 - Why you don’t need to know all the things to help people 23:41 - How do you start a money conversation with people who have no interest in talking about money? 24:00 - How the personal finance world is kind of like a fandom, and can be inaccessible to non-fans 32:50 - How Kate has connected social media coaching with personal finance 38:08 - Does the work have to happy one-on-one? 44:39 - Should you tell your friends if they’re eating raw chicken? 58:55 - Chris rants so hard he gets a foot cramp

S4 Ep13 | The One Where Kate Is Making Space for Conversation

Tim Nash

We're big fans of Tim Nash, and you will be too! Tim is the founder of Good Investing, an advice-only investment coaching practice that helps folks create low-fee, diversified portfolios around their ethical values.  4:30 - What's in an anarchist's portfolio6:46 - How Tim does what he does15:15 - What's new in the SRI space? 21:20 - Ethical investing, for-profit prisons and the CPP24:40 - The effect of SRI on the market (and the evil companies you love to hate)37:36 - What would Tim do if he won the lottery tomorrow?

We're big fans of Tim Nash, and you will be too! Tim is the founder of Good Investing, an advice-only investment coaching practice that helps folks create low-fee, diversified portfolios around their ethical values. 4:30 - What's in an anarchist's portfolio 6:46 - How Tim does what he does 15:15 - What's new in the SRI space? 21:20 - Ethical investing, for-profit prisons and the CPP 24:40 - The effect of SRI on the market (and the evil companies you love to hate) 37:36 - What would Tim do if he won the lottery tomorrow?

S5 Ep4 | Ethical Investing With Tim Nash

Does everyone need the kind of comprehensive financial planning advice that Chris and Sandi offer their clients? We think not... and spend some time revisiting last season's finale about being the ones to encourage open conversations about money with people who (we bet you a thousand dollars) are just dying to talk about it without shame.

S5 Ep5 | Does Everyone Need Financial Advice

The world of finances has so many 'rules of thumb'. Most of the time they're pretty useful, but in some cases they can be really dangerous.  Timestamps:5:30 - John talks about what averages are actually good for15:08 - Sandi breaks down how she figures out when  you're going to die18:12 - Chris talks budgeting rules of thumb 24:11 - Rules of thumb vs customized advise32:24 - Global warming and looking out for 'future us'38:23 - Does working with rules of thumb make finances seem more possible45:00 - Is getting it wrong catastrophic?

The world of finances has so many 'rules of thumb'. Most of the time they're pretty useful, but in some cases they can be really dangerous. Timestamps: 5:30 - John talks about what averages are actually good for 15:08 - Sandi breaks down how she figures out when you're going to die 18:12 - Chris talks budgeting rules of thumb 24:11 - Rules of thumb vs customized advise 32:24 - Global warming and looking out for 'future us' 38:23 - Does working with rules of thumb make finances seem more possible 45:00 - Is getting it wrong catastrophic?

S5 Ep10 | In A World Where Rules of Thumb Rule the Day

Inspired by a conversation Chris had at a recent workshop, we explore whether there's a financially optimal way to handle illness and catastrophe if you're caught before you're fully prepared.2:29 - What can you actually do when crisis hits? 8:23 - Chris brings up Universial Basic Income 17:51 - What supports are available in a crisis? 22:00 - Sandi says something really smart about hindsight

Inspired by a conversation Chris had at a recent workshop, we explore whether there's a financially optimal way to handle illness and catastrophe if you're caught before you're fully prepared. 2:29 - What can you actually do when crisis hits? 8:23 - Chris brings up Universial Basic Income 17:51 - What supports are available in a crisis? 22:00 - Sandi says something really smart about hindsight

S5 Ep2 | Planning To Get Sick

The expectation is that we all understand taxes as soon as we start making income, but that's not what happens for most of us. We talk about weird tax stuff, our past mistakes and what we wish was different.  Time Stamps:7:15 - It's your job to know, and we think that's stupid17:04 - Chris talks about the tax disasters in his past 23:19 - John talks about what has surprised him in the tax world37:40 - The misconceptions around deductions45:05 - Some thoughts for people who don't file their taxes

The expectation is that we all understand taxes as soon as we start making income, but that's not what happens for most of us. We talk about weird tax stuff, our past mistakes and what we wish was different. Time Stamps: 7:15 - It's your job to know, and we think that's stupid 17:04 - Chris talks about the tax disasters in his past 23:19 - John talks about what has surprised him in the tax world 37:40 - The misconceptions around deductions 45:05 - Some thoughts for people who don't file their taxes

S5 Ep8 | Death And Taxes... Well, Just Taxes

We’ve been angling to get our friend MYD on the show for a long time. If you don’t remember, he’s the nice guy who offered to convert the show to audio and list it in all the podcast places before Season Three, Well, we still haven’t managed to get him on the show, but here’s the next best thing: we asked him what he wanted us to talk about, and he sent us a long list of questions to answer about RESPs. There are a few 101 questions, lots of 201 questions, and even a few 301 and graduate level ones. Thankfully, we got the list before we recorded the show!2:14 - Family Plan vs Individual Plan5:28 - RESPs Basics and Terminology14:09 - Why Scholarship Trust Funds are the absolute worst20:02 - For gifted children is there a lower age limit to RESP withdrawals? 22:02 - What happens if you want to open an RESP later in life? 26:00 - What’s the best way to set up an RESP for a child that isn’t related to you? 31:08 - What if there’s a falling out between the subscriber and beneficiary? 34:54 - What happens to an RESP if you die before the child is ready for the money? 41:30 - Where should I go to open an RESP? 51:33 - How should you change your asset allocation over the lifecycle of an RESP?

We’ve been angling to get our friend MYD on the show for a long time. If you don’t remember, he’s the nice guy who offered to convert the show to audio and list it in all the podcast places before Season Three, Well, we still haven’t managed to get him on the show, but here’s the next best thing: we asked him what he wanted us to talk about, and he sent us a long list of questions to answer about RESPs. There are a few 101 questions, lots of 201 questions, and even a few 301 and graduate level ones. Thankfully, we got the list before we recorded the show! 2:14 - Family Plan vs Individual Plan 5:28 - RESPs Basics and Terminology 14:09 - Why Scholarship Trust Funds are the absolute worst 20:02 - For gifted children is there a lower age limit to RESP withdrawals? 22:02 - What happens if you want to open an RESP later in life? 26:00 - What’s the best way to set up an RESP for a child that isn’t related to you? 31:08 - What if there’s a falling out between the subscriber and beneficiary? 34:54 - What happens to an RESP if you die before the child is ready for the money? 41:30 - Where should I go to open an RESP? 51:33 - How should you change your asset allocation over the lifecycle of an RESP?

S4 Ep12 | The One Where RESPs are Between 3 and 24 percent complicated

While smack-dab in the middle of an emergency is kind of the worst time to start preparing for one, for most of us it’s the upheaval and chaos of just such an event that opens our eyes to the value of marshalling our resources before the next one hits... In this episode we talk about practicing for an emergency (kind of like a fire drill), what happens when an emergency hits after you’ve started preparing for it but before you’ve finished, and speculate wildly about how many people view withdrawing from their emergency fund as an event almost as bad as the emergency itself.TL;DR emergency preparedness is good3:23 When you’re preparing for an emergency that arrives too soon4:46 What Sandi did automatically when Seth’s boss stopped paying him9:26 What constitutes and emergency, anyway? 17:11 The most stressful life events18:46 Giving yourself permission to respond however you can 33:23 The rules are great until they’re not36:10 What John did automatically when Kelly got sick43:06 Playing the stress-test game on your lifestyle44:06 What a prepared family looks like and how increasing flexibility &amp; practicing what you’ll do creates emergency superstars

While smack-dab in the middle of an emergency is kind of the worst time to start preparing for one, for most of us it’s the upheaval and chaos of just such an event that opens our eyes to the value of marshalling our resources before the next one hits... In this episode we talk about practicing for an emergency (kind of like a fire drill), what happens when an emergency hits after you’ve started preparing for it but before you’ve finished, and speculate wildly about how many people view withdrawing from their emergency fund as an event almost as bad as the emergency itself. TL;DR emergency preparedness is good 3:23 When you’re preparing for an emergency that arrives too soon 4:46 What Sandi did automatically when Seth’s boss stopped paying him 9:26 What constitutes and emergency, anyway? 17:11 The most stressful life events 18:46 Giving yourself permission to respond however you can 33:23 The rules are great until they’re not 36:10 What John did automatically when Kelly got sick 43:06 Playing the stress-test game on your lifestyle 44:06 What a prepared family looks like and how increasing flexibility &amp; practicing what you’ll do creates emergency superstars

S4 Ep11 | The One Where We Plan to Plan for Emergencies

Listen, somebody is going to cry over socks in this episode, just so you’re prepared. We’re talking about how to have the conversations we need to have to make sure our parents are safe and happy as they age, and in the course of a short thirtyish minutes have at least three Eureka! Moments about youthful hubris, parental wisdom, and socks. You don’t want to miss this one, but definitely bring tissues.4:56 - The gang gets real about talking to their parents about money11:36 - What are the important things for you to know about your parents money? 17:30 - What are the expectations around longterm care? 21:40 - Separating the money from the feelings26:20 - Using technology as an excuse to start the conversation29:33 - Sandi figures out something huge38:04 - We make resolutions … and Sandi cries

Listen, somebody is going to cry over socks in this episode, just so you’re prepared. We’re talking about how to have the conversations we need to have to make sure our parents are safe and happy as they age, and in the course of a short thirtyish minutes have at least three Eureka! Moments about youthful hubris, parental wisdom, and socks. You don’t want to miss this one, but definitely bring tissues. 4:56 - The gang gets real about talking to their parents about money 11:36 - What are the important things for you to know about your parents money? 17:30 - What are the expectations around longterm care? 21:40 - Separating the money from the feelings 26:20 - Using technology as an excuse to start the conversation 29:33 - Sandi figures out something huge 38:04 - We make resolutions … and Sandi cries

S4 Ep10 | The One Where We Talk About Our Aging Parents

So...did Chris get disability insurance since episode 4, or did he write a letter to Aunt Beatrice? Do you want to know how long it took and what happened? US TOO! Plus,friend of the show Julia Chung, who you may remember from An American in Paris (Ontario) returns to drop some insider insurance knowledge on us, including who to call when you need to make a claim,  the nasty shock that might be hiding in your group policy, and how to get over fEeLiNgS and just get insured already.7:25 - Debunking disability excuse #1 - “I could do my job with broken arms and broken legs”15:56 - Do you have short term disability insurance18:54 - Horror story #1 - Why you have to understand your policy26:40 - What’s a non-evidence limit (and why does it matter)? 29:15 - What does your spouse need to know about your insurance? 36:16 - Reframing why you should get disability insurance right now (and the story of how Chris did just that)43:26 - What happens to your employer disability insurance when you leave your job? 46:44 - A few thoughts on mortgage insurance52:38 - Is long term disability insurance taxable? … it depends

So...did Chris get disability insurance since episode 4, or did he write a letter to Aunt Beatrice? Do you want to know how long it took and what happened? US TOO! Plus,friend of the show Julia Chung, who you may remember from An American in Paris (Ontario) returns to drop some insider insurance knowledge on us, including who to call when you need to make a claim, the nasty shock that might be hiding in your group policy, and how to get over fEeLiNgS and just get insured already. 7:25 - Debunking disability excuse #1 - “I could do my job with broken arms and broken legs” 15:56 - Do you have short term disability insurance 18:54 - Horror story #1 - Why you have to understand your policy 26:40 - What’s a non-evidence limit (and why does it matter)? 29:15 - What does your spouse need to know about your insurance? 36:16 - Reframing why you should get disability insurance right now (and the story of how Chris did just that) 43:26 - What happens to your employer disability insurance when you leave your job? 46:44 - A few thoughts on mortgage insurance 52:38 - Is long term disability insurance taxable? … it depends

S4 Ep9 | The One Where Insurance is Important But the Industry Sucks

Shannon Lee Simmons

If you’ve never met Shannon Lee Simmons before, hold onto your hat, because there’s no one else like her. Founder of The New School of Finance, and author of the book Worry Free Money, Shannon joins Sandi and Chris to talk about how her family talked about money growing up, what the birds and the bees have to do with spending decisions, and why that Ikea Story had to open the book. You - for real - do not want to miss this. 2:15 - How did Shannon grow up talking about money10:13 - How to tell your friends you don’t want to spend $80 on dinner14:24 - The words that matter in finance - safe and happy20:40 - How to build habits of self reflection32:15 - Curing the problem of financial struggle… instead of just treating it35:10 - Professional vulnerability… how to be an expert while baring your soul. 42:31 - Letting go of past mistakes

If you’ve never met Shannon Lee Simmons before, hold onto your hat, because there’s no one else like her. Founder of The New School of Finance, and author of the book Worry Free Money, Shannon joins Sandi and Chris to talk about how her family talked about money growing up, what the birds and the bees have to do with spending decisions, and why that Ikea Story had to open the book. You - for real - do not want to miss this. 2:15 - How did Shannon grow up talking about money 10:13 - How to tell your friends you don’t want to spend $80 on dinner 14:24 - The words that matter in finance - safe and happy 20:40 - How to build habits of self reflection 32:15 - Curing the problem of financial struggle… instead of just treating it 35:10 - Professional vulnerability… how to be an expert while baring your soul. 42:31 - Letting go of past mistakes

S4 Ep8 | The One Where Shannon Lee Simmons is Amazing

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