The Personal Finance Show

Matthew Jarvis is not a magician. Yet there are those that come to him when they are about to retire and expect him to make a small amount of retirement savings last for 30 years. Matthew is a Certified Financial Planner who’s clients are exclusively retired, or within 5 years of doing so, with at least $500,000 saved up. Depending on your current lifestyle, half a million dollars might seems like either a lot of money, or very little, to last for 30 years. And that’s the thing about retirement planning. It’s very specific to the individual or couple, and what they intend to do with those next 30 years. The truth is, everyone’s afraid of running out of money and there’s no shame in that. What’s important is that you talk to someone about it before it’s too late. Though he is still a young man of 36, Matthew has been able to build Jarvis Financial into a very successful business since he started in the industry in the early 2000s. He currently manages over $115 million in assets for his clients and has structured his business in a way that allows him to take over 80 days of vacation every year, spending quality time with his 3 kids, while still providing full service to his clients. Matthew joined me from the Seattle, Washington area to tell his personal finance story. http://www.jarvisfinancial.com/ NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple Podcasts or wherever you get your podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website https://investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening The Personal Finance Show. I'll be back next week with Laurie Campbell, CEO of Credit Canada.

“If a budget for your money is a reflection of your priorities, then your calendar is a reflection of your most valuable resource, which is time.” - Hamza Khan Hamza Khan had a toxic relationship with money. Obsessing about saving and spending caused a lot of stress in his family when he was young, so when he started making his own money, he just didn’t want to go there at all. But when you’re not paying attention to your finances, things can get out of hand, even if you’re making good money. During this time, Hamza was also experiencing what he know realizes was burnout. Driven by his need to prove to his family that he could be successful in the world of marketing, he would forego sleep and work insane hours to achieve as much as possible. But a series of troubling incidents led him to question his way of doing things. This introspection ultimately led him to write his new book “The Burnout Gamble”. Hamza joined me to talk about burnout, productivity, freedom, mental health and his personal finance story. Hamza's Website: http://www.hamzakhan.ca/ Get "The Burnout Gamble" on iTunes: https://apple.co/2rjEMRj NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple Podcasts or wherever you get your podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website https://investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to episode 30 of The Personal Finance Show. I'll be back next week with Matthew Jarvis, Managing Partner of Jarvis Financial

John Kalos worked in a bank for a long time. Over the years he realized that the bank’s mandate was to sell products first and helping people took a back seat to this mandate. He found himself in a situation where he was being told he had to sell investment products that weren’t right for his clients. John had enough and decided he could be a financial planner on his own, without the bank forcing sales quotas on him. He could offer his clients the right products for them, based on their individual life situation and goals. Once out on his own, he could so clearly see that people were still being taken advantage of by the banks, so he created his podcast “Confessions of an Ex-Banker”, which strives to inform Canadians about the important financial stuff that the banks won’t tell you, because it’s not going to help them sell more products. John is very passionate about actually helping people, and not just selling them a product to get a commission, and then hanging them out to dry, which is unfortunately what many financial professionals have done in the past, leading to mistrust and skepticism of everyone in the personal finance business. John joined me from Montreal, Quebec to tell his personal finance story and how he’s trying to help people achieve their financial goals. John's website: http://www.ironshield.ca/ John's podcast: https://itunes.apple.com/ca/podcast/confessions-of-an-ex-banker/id1131273237?mt=2 NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple Podcasts or wherever you get your podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to this episode of The Personal Finance Show. I'll be back next week with Hamza Khan, multi-award winning marketer, accomplished entrepreneur, dynamic keynote speaker and author of the new book “The Burnout Gamble”.

Shannon Lee Simmons wants everyone to have access to unbiased and affordable financial advice. In late 2010, frustrated that Bay street was only interested in clients that have tons of money, she left her high paying job to start the Barter Babes project. Shannon would offer her financial services in exchange for any good or service that she needed. Over one year Shannon helped over 300 women and never once accepted cash for her services. Unable to go back to Bay street after that, Shannon realized her only option was to start the best fee-only financial planning firm in Canada. She called it the New School of Finance and she never looked back. When she's not helping people at the New School, you can find Shannon in just about every newspaper, and all over Canadian television, promoting her new book Worry-Free Money. Shannon was nice enough to host me at the New School of Finance where we talked about her personal finance journey. Shannon was also the first guest to agree to sing on the podcast! Look for that fun segment near the end of the episode. NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple Podcasts or wherever you get your podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website https://investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to this episode of The Personal Finance Show. I'll be back next week with John Kalos, financial planner and host of the podcast Confessions of an Ex-Banker.

There are two main types of investing, active and passive. Active investing is typically for people who have a deep understanding of the investments they are working with. They are trying to time the market by buying an investment when it is low, and growing it to the point where it's grown enough to achieve whatever profit goals they set, then selling that product for a profit. The classic buy low sell high strategy. You have to be paying attention to what's going on in the world and be ready for quick movement to avoid losses. There are people who are very good at this but it is highly risky and not for everyone. Passive investment is when you buy something and hold onto it. You pay attention as it grows over the years and you control your overall risk by keeping your investments balanced based on the amount of risk you are willing to accept. A typical passive investment is an exchange traded fund or index fund. Passive investment can be done through robo advisors automatically, they take care of the risk management for a small fee, or you can open a brokerage account and do it yourself. Typically passive investors fall into these two categories: You just want to keep it simple and live your life so you pay a robo advisor half a percent and they take care of everything. You decide you want control over your investments and also want to try to save money on fees and do it all yourself. Usually this type of person enjoys monitoring their investments and taking a hands on role, at least on a semi regular basis. But what if you fall somewhere in the middle? You don't want to spend a lot of time on your investments, but you also want to have full control and try to minimize your fees. Brendan Wood and Brendan Lee Young fall into this category. They wanted to invest their own money but realized there were so many tedious tasks that still had to be done manually through their online brokerage. So they created a tool to automate all the manual stuff. A kind of Swiss army knife for do-it-yourself investors. Both Brendans joined me from the province of New Brunswick to share their personal finance stories and talk about their new portfolio management tool Passiv. Passiv Website: https://getpassiv.com/ 5 Steps to Passive Investing for Retirement: https://getpassiv.com/blog/5-steps-passive-investing-retirement/ NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple Podcasts or wherever you get your podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to this episode of The Personal Finance Show. I'll be back next week with Shannon Lee Simmons, founder of the New School of Finance and author of the new book Worry-Free Money.

By day, Matt Matheson is a teacher and assistant principal, but when the day is done he takes on his role of Canada's newest personal finance blogger. Matt started writing at https://methodtoyourmoney.ca in October 2017 and since then has gotten the attention of some major personal finance publications. In January 2018 he was published in MoneySense magazine and just recently he was a guest blogger on the popular personal finance site https://getrichslowly.org. Matt joined me from Edmonton, Alberta to tell his personal finance story. NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple Podcasts or wherever you get your podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website https://investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to this episode of The Personal Finance Show. I'll be back next week with Brendan Lee Young and Brendan Wood, co-founders of a new company called Passiv.

Eric Brotman understands that a relationship with a financial planner is a multi-generational thing. I talk about this a lot on the show, but it’s all about a holistic plan that takes into account all the financial aspects of your life, and it’s about reviewing the plan once or twice a year and changing it to match your goals and objectives as they change throughout the course of your life. This is an ongoing thing. It’s not a one-time plan or a transactional thing. This is a lifetime deal. In the interview, Eric didn’t list what he calls his “alphabet soup” of designation letters after his name. He’s got a lot of professional designations and that’s not a bad thing, but as he says, you can’t get a diploma in integrity and hang it on the wall. Confidence is something you earn. So yes, credentials are nice, but never blindly trust someone because they have a lot of letters after their name. Talk to them and make sure that they’re listening to your story and working towards your goals. And it doesn’t hurt to get a second opinion. I couldn’t make it down to Maryland anytime soon so Eric joined me online to tell his personal finance story. NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple podcasts, google play, soundcloud or whatever app you use to listen to podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website https://investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to my 25th episode of The Personal Finance Show. Here’s to the next 25 and the next 25 after that and so on. But for now, I'll be back next week with Matt Matheson - he’s an assistant principal and also teaches his 5th and 6th graders about personal finance. And he’s got a great new blog called https://methodtoyourmoney.ca. DISCLAIMER: Eric offers securities through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS and Kestra AS are not affiliated with Brotman Financial Group or any entity referenced herein. Neither Kestra IS nor Kestra AS provide tax or legal advice. The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results.​

In 2011, Cait Flanders had credit card debt of $30,000, no more available credit, $100 in the bank, and had to move back in with her parents. Cait decided to reboot the blog she had previously deleted, called Blonde on a Budget, hoping that writing about it would help with her debt repayment and struggles with overspending. Since that first post in June 2011, on what has now become https://caitflanders.com, Cait paid off her $30,000 in full, got a job offer because of her blog, and came up with this crazy idea of going on a one-year shopping ban. And then after a friend wrote an article on Forbes.com about her shopping ban, she was contacted by 6 different literary agents asking if she wanted to write a book. And she did! It’s called The Year of Less, and it came out in January 2018. Cait joined me in Toronto’s Trinity-Bellwoods park to talk about her personal finance journey. NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple podcasts, google play, soundcloud or whatever app you use to listen to podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to this episode of The Personal Finance Show. I'll be back next week with Eric Brotman, president and managing principal of Brotman Financial Group. Note: special thanks to PaullPeterson (Twitter) realtorchef (Instagram) for the picture of us in the park.

Update: Carrot Rewards now has over 750,000 users in Canada! What if I told you that you would get a reward every time you went for a walk? Ok, sometimes I'll reward myself by walking to the donut shop, but I'm not talking about that kind of reward. Carrot Rewards (www.carrotrewards.ca) is a free app for your smartphone or Fitbit that helps you earn your favourite reward points by making healthy lifestyle choices. My favourite part of the app is the steps section. It tracks the steps I take every day to come up with my average daily steps and then rewards me with a few points every day I exceed my average. But healthy lifestyle choices aren't just about walking. As I discussed in episode 20 with Canada's Financial Literacy Leader Jane Rooney, financial wellness is just as important as physical and mental wellness. And let's not forget environmental wellness which is about living a lifestyle that respects our surroundings. For all of these other wellness topics Carrot Rewards sends you offers in the form of quizzes and surveys within the app that take only a few minutes to complete. Megan Nobrega introduced me to Carrot Rewards at the Canadian Personal Finance Conference last November so I decided to visit her at her office and find out more about her personal finance story and how she ended up at Carrot. NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple podcasts, google play, soundcloud or whatever app you use to listen to podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to this episode of the personal finance show. I'll be back next week with blogger, podcaster and author of the brand new book The Year of Less, Cait Flanders. P.S. Once you get the Carrot Rewards app, use my code to get bonus rewards: beauh1933

Since he was 20 years old, Richard Peddie dreamed about being president of an NBA basketball team. In November of 1996 his dream became reality when he was offered the job of president of the Toronto Raptors. In 1998, the Toronto Maple Leafs bought the Raptors and Richard became President and CEO of Maple Leaf Sports and Entertainment or MLSE. Richard ran MLSE for 14 years and for 6 of those years, I worked there as Event Accountant in the Live Entertainment department, or as we liked to say, the E in MLSE. What I remember most about Richard was that he always seemed very approachable. He was always very appreciative of our work in Live Entertainment, and probably the biggest fan of the company band, which I was lucky enough to be part of for 6 years. I got to play on stage at the Air Canada Centre several times, and one time I even got to do a live performance with Alan Frew from the band Glass Tiger. I doubt that any of this would have happened if Richard didn’t approve. Richard taught me the importance of having a vision and values in business but also in the rest of your life as well. Knowing my core values helps me feel confident about big decisions I make. And I believe it’s important that when you’re applying for a job that you make sure that at least a few of your top values align with those of the company. Since retiring from MLSE, Richard has written two books. Dream Job is his autobiography and takes you through his journey in detail. 21 Leadership Lessons is his second book and though at first you might think it is a book reserved for business leaders, after reading it I realized how applicable these lessons are to everyone. I wanted to have Richard on the show because I believe his lessons about values, leadership, integrity, and yes even thank you cards, are important for everyone to hear, and can be applied to your personal life as well as your career. Today, at 71, Richard is a passionate city builder and philanthropist. He is active on Twitter and regularly writes posts on his website forabettertoronto.ca. I feel very fortunate to know Richard and grateful that he agreed to host me in his home for this interview. NEXT EPISODE If you liked this episode please subscribe to the podcast on Apple podcasts, google play, soundcloud or whatever app you use to listen to podcasts. It would mean a lot to me and it only takes a few seconds. For the show notes and any links from the episode, head over to my website investwisely.ca, and while you're there please feel free to send me a message on my contact page. Thanks so much for listening to this episode of the personal finance show. I'll be back with a new episode next week featuring Megan Nobrega from Carrot Rewards.

Lindsay and Graham Plumb want you to be unstoppable with your personal finances. If you’re 30 to 45 years old, for example, and you have a couple of kids, and a mortgage, maybe unstoppable is not the first word that comes to mind when you think of your finances. But this is actually the most important time of your life financially. This is the time when tracking your spending, paying down your mortgage, having the right insurance and building up that emergency fund is crucial. And then there’s the investing part - do you want to put some away for the kids’ education in an RESP account, and what about investing for retirement? Lindsay and Graham know how hard it is to wrap your head around all this stuff. They were working in the traditional mutual fund and insurance business and realized there wasn’t a whole lot of holistic financial planning available. Holistic financial planning is when someone looks at your whole financial picture. Do you have debt? Do you have existing investments that cost too much? What are your goals around money? Do you want your kids to have a education fund or would you rather they take out loans themselves in the future and learn something in the process? Do you have an emergency fund? Do you have insurance? And when Lindsay and Graham tried to help clients with basic personal finance stuff like tracking and budgeting, the company they worked for told them: We don’t do that here. How were they going to make you unstoppable, if all they were allowed to do was sell you products and then send you on your way? This is the story of Lindsay and Graham Plumb and their company Moola Financial Coaches and Advisors. (www.yourmoola.ca) NEXT EPISODE Next week on The Personal Finance Show I have a very special guest, Former President and CEO of Maple Leaf Sports and Entertainment, Richard Peddie. If you enjoy listening to The Personal Finance Show, please show your support by subscribing to the podcast on Apple Podcasts, Google Play, Stitcher or your favourite podcast app. Please check out my website investwisely.ca, where you can find all of the podcast show notes and links, and of course all of my blog posts. I’d love to hear from you so please feel free to send me an email at beau@investwisely.ca.

Did you know that Canada has a Financial Literacy Leader? It's true. Jane Rooney was appointed Canada's Financial Literacy Leader in 2014 within the Financial Consumer Agency of Canada (FCAC). (https://www.canada.ca/en/financial-consumer-agency.html) Yes, there is a government official whose main job is to make sure Canadians are financially literate. Jane is awesome and she's joining me in the second half of this episode. But first let’s talk about the only reason i even know Jane exists, and that’s because of the Conference Board of Canada. Earlier this week, February 21st and 22nd, 2018, they hosted a conference called Financial Wellness and Retirement Readiness. (http://www.conferenceboard.ca/conf/financewellness/default.aspx) While preparing for the conference I found out the FCAC was a sponsor and they offered me an interview with Jane Rooney. From the Conference Board I was offered an interview with their Vice-President of Industry, Strategy and Public Policy, Louis Thériault. Louis gave a great presentation about the current state of financial wellness in the workplace. After the presentation I sat down with Louis and asked him how he got into this world of economic and policy analysis. As Louis says in the interview, there is a quadruple gain with financial wellness programs: The employee gets financial information and support to get out of financial trouble or to prevent them from getting into it in the first place; the employer benefits from less down time and more productivity; the insurers save money when overall health is improved; and, overall wellness is good for society as a whole. So companies are making positive changes, what about the government? When I started researching Jane Rooney for this interview, I was totally surprised by the commitment the government has made to strengthen the financial literacy of Canadians. A common theme at the conference and in the discussion with Jane is the importance of overall wellness. Whether you go through what I did and have mental health issues that caused addiction which led to financial problems, or whether you have unanticipated financial issues, which in turn may cause mental health issues, we now understand that one can’t be addressed without looking at the others. And though we didn’t focus on it, physical wellness including healthy eating habits play a huge part in overall wellness as well. I would like to thank Jane and Louis for taking the time to share their stories and insight. It’s comforting to know that there are people out there who are looking out for us and trying to improve the overall well-being of Canadians. Here's the link to the FCAC hotline that Jane mentioned in the episode: https://www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html NEXT EPISODE Next week on the personal finance show, Lindsay and Graham Plumb from Moola Financial Coaches and Advisors. I had a really fun chat with Lindsay and Graham and how they are helping Canadians become unstoppable, which is now my favourite word. If you enjoy listening to The Personal Finance Show, please show your support by subscribing and leaving a review on iTunes. No time for a review? Just leave me a star rating - takes 2 seconds on iTunes. investwisely.ca is where you can find all of the show notes and links and of course all of my blog posts. I’d love to hear from you so please feel free to send me an email at beau@investwisely.ca.

(Sign up for SimpleTax here: https://simpletax.ca/?refCode=investwisely) When someone mentions income taxes, do you get excited or are you filled with dread? Do you wait until the last possible moment to file your taxes? When you finally start the process, are you so on edge that if the slightest thing goes wrong you want to throw your laptop across the room? And when it’s over, are you 100% sure that you messed it up somehow? If this sounds like you, you should probably check out SimpleTax. Allison Suter is a former tax lawyer. She is a total tax nerd. One day she was doing her taxes online and started wondering: Why is preparing my tax return so complicated? Why is tax software so slow and expensive? If a tax nerd like Allison thinks it’s complicated, what hope is there for the rest of us? Luckily for us, Allison and her co-founders decided to build what they like to call “the best tax software in Canada”. Allison joined me from Vancouver to talk about how she went from tax lawyer, to world traveller to wedding photographer and finally to SimpleTax. EPISODE LINKS Sign up for SimpleTax here: https://simpletax.ca/?refCode=investwisely I just checked out the CRA website and SimpleTax is now certified for your 2017 taxes. So you can go and get started but remember that NetFile doesn’t open until February 26th. And although you have the option to pay $0, please consider paying something. NEXT EPISODE Next week on The Personal Finance Show I will be talking with Jane Rooney who is Canada’s Financial Literacy Leader, within the federal government’s Financial Consumer Agency of Canada. She was appointed to that position in April 2014 to exercise leadership at the national level to strengthen the financial literacy of Canadians. If you enjoy listening to The Personal Finance Show, please show your support by subscribing and leaving a review on iTunes. No time for a review? Just leave me a star rating - takes 2 seconds on iTunes. investwisely.ca is where you can find all of the show notes and links and of course all of my blog posts. I’d love to hear from you so please feel free to send me an email at beau@investwisely.ca. (If you don’t have iTunes, you can review the podcast on Stitcher: https://www.stitcher.com/podcast/beau-humphreys/the-personal-finance-show)

Imagine you’re visiting Europe for the first time. For some reason you didn’t think to buy any Euros before you left home. You are Canadian, so all you have is Canadian dollars on you. You find out that things have changed recently in Europe and there is no longer a way to exchange your Canadian dollars for Euros. Your only option is to try to find businesses and people who will accept your Canadian dollars. You’ll need food so you start by asking at various restaurants, and each one says, sorry, we don’t accept Canadian dollars. You have internet access so you’re able to search for the Canadian community in the city you are in. You eventually find someone who agrees to take your Canadian dollars in exchange for some food and transport to your hotel. But not every city in Europe will be like this. Luckily you have some hotels pre-booked, but for most everything else you’re going to have to figure it out along the way. This is what it’s like to travel with only Bitcoin. For the Money 20/20 payments race in October 2017, Amélie Arras chose bitcoin as her method of payment and made her way from Toronto to Las Vegas in a week. Somehow, using only bitcoin, she won the payments race. Amélie joined me from the UK to tell her bitcoin story. EPISODE LINKS How do you think you would have done in Amélie’s shoes? Do you think she was lucky, resourceful, or a bit of both? You can find all the videos from Amélie’s journey here: http://adastra-marketing.com/insight/abc/ And here is her Youtube Channel: https://www.youtube.com/channel/UCWiaP3A1ErwY982IsSlnSkQ And if you’re curious, here’s the link to the Bucephalus Bike Shop in Evanston, IL that helped Amélie out: http://bucephalusbikes.com/ NEXT EPISODE Next week on The Personal Finance Show I will have Allison Suter from SimpleTax (https://simpletax.ca?refCode=investwisely). If you enjoy listening to The Personal Finance Show, please show your support by subscribing and leaving a review on iTunes. No time for a review? Just leave me a star rating - takes 2 seconds on iTunes. investwisely.ca is where you can find all of the show notes and links and of course all of my blog posts. I’d love to hear from you so please feel free to send me an email at beau@investwisely.ca. (If you don’t have iTunes, you can review the podcast on Stitcher: https://www.stitcher.com/podcast/beau-humphreys/the-personal-finance-show)

It’s October 2017 and I’m at the SIBOS global financial services conference in Toronto. I post something about the conference on Facebook and my friend Jessica Moorhouse comments that she’ll be at the conference tomorrow. I had just found out that she would be participating in this payments race - think of it as the amazing race for money nerds. It turned out the race was going to start the next day from the conference that I was already attending. I was able to get an interview with all 5 contestants in the race, Jessica being the only Canadian. (https://investwisely.ca/money-2020-payments-race-podcast/) All 5 racers had to make it from Toronto to Las Vegas in a week, using different methods of payment. There was bitcoin, gold, contactless ring and apple pay, cash, and Jessica had to use a chip and pin credit card. Maybe you’re thinking, that’s easy. You can pay for everything with a chip and pin credit card in North America, right? That’s what the race is all about. The organizers didn’t do a trail run from Toronto to Vegas and try all of those methods to see if it was possible. The race was created to find out if it is possible. So Jessica and the other contestants headed out into the unknown to see whether it would be a breeze or if they would run into obstacles along the way. Jessica joined me a few weeks after the race to tell her side of the story. LINKS FROM EPISODE If you’re wondering, Jessica did eventually pay Barry back. ;-) If you want all the details about Jessica’s payments race journey, you can find them here: https://jessicamoorhouse.com/youtube https://jessicamoorhouse.com/survived-trip-across-america-using-chip-pin/ Personal finance bloggers who helped Jessica along the way: Cait Flanders: https://caitflanders.com/ Michelle Jackson: https://michelleismoneyhungry.com/ Barry Choi: https://www.moneywehave.com/ NEXT EPISODE Next week on The Personal Finance Show I have another payments racer, Amelie Arras, who actually won the race using only bitcoin as a method of payment. How did she pull this off? You’ll have to tune in next week to find out. If you enjoy listening to The Personal Finance Show, please show your support by subscribing and leaving a review on iTunes or your favourite podcast app. No time for a review? Just leave me a star rating - takes 2 seconds on iTunes. investwisely.ca is where you can find all of the show notes and links and of course all of my blog posts. I’d love to hear from you so please feel free to send me an email at beau@investwisely.ca. (If you don’t have iTunes, you can review the podcast on Stitcher: https://www.stitcher.com/podcast/beau-humphreys/the-personal-finance-show)