Hey Reader ♥, This is financial education, not advice for your specific situation. Please consult a qualified professional before making investment decisions. I hold XEQT in my own TFSA, so I'm disclosing that here since I mention it below. For years, I ignored my TFSA. Not because I didn't know it existed. Because of a few reasons that made perfect sense at the time. It was marketed as a savings account. When TFSAs launched in 2009, the message was: save for a car, save for a vacation....
8 days ago • 1 min read
Hey Reader ♥, I got a message last week that I still can't stop thinking about. I got a text from someone who listened to my conversation with Tobi Adekeye on her podcast, Wealth On Your Terms—where FIRE came up, specifically Coast FIRE. Her message: "Loved this podcast. I didn't know FIRE had many phases. Very informative." And then, a few minutes later: "I am so close to Coast FIRE I can't wait." That's the reaction I want more of you to have. Because most people have heard of FIRE — retire...
29 days ago • 2 min read
Hey Reader ♥, I had a conversation with a woman who had done something a lot of people haven't: she actually knew her numbers. She had savings. Real savings. Accounts open, money in them, a rough sense of where things stood. She had shown up ready to talk about her future, which is more than most people do at any income level, any age. And within five minutes she was apologizing for it. "I should be further along.""I should have more to show for what I earn.""I should be where she is by now."...
about 1 month ago • 1 min read
Hey Reader ♥, Something different in your inbox today. I sat down with Tobi Adekeye on Wealth On Your Terms, and we had the kind of conversation I wish someone had handed me fifteen years ago. We talked about what I learned inside institutional finance that most people never get access to, why income and wealth aren't the same, and what it really means to build for yourself while also building for everyone else. It went live today at 10:30 am EST. Here's the link: If you enjoy it, the best...
about 1 month ago • 1 min read
This is not investment advice for your specific situation. Please consult a qualified professional before making investment decisions. Hey Reader ♥, I've been thinking about Elon Musk. Not by choice, really. But because it's hard to avoid him right now. SpaceX, the politics, the AI bubble, superconductors, the headlines. And somewhere in the middle of scrolling past another story, I had an uncomfortable realization. I probably own a piece of his companies. Not because I chose to. SpaceX...
2 months ago • 3 min read
Hey Reader ♥, A friend of mine has a cottage. Growing up, that was never part of my world. The lake, the quiet, the kind of stillness where the loudest thing around is the bugs. I still feel a little lucky every time she invites me. It's not something I take for granted. When I finally went, it gave me exactly what I'd pictured. Peace. Star-filled skies. Actual quiet. The kind of calm that's hard to manufacture anywhere else. But here's what I didn't expect. Getting that peace took real...
3 months ago • 2 min read
Hey Reader ♥, Two weeks ago I started taking magnesium before bed. I know, I know. People have been telling me to do this for years. But I sleep well. I fall asleep easily, I stay asleep, I wake up feeling okay. So I never really saw the point. Then I looked at my sleep score. Consistently low eighties. Not bad. Fine, actually. I decided to try it anyway. Two weeks in, something shifted. I started feeling genuinely tired when it was time to sleep, not just ready to wind down. I stopped...
3 months ago • 1 min read
Hey Reader ♥, A few years ago, Mante Molepo and I found each other on LinkedIn the way the best connections happen — we kept showing up in each other's feeds, saying the same things, from different angles. Eventually we started talking. And we haven't stopped since. Mante is a governance advisor, lawyer, and ICD.D — someone who has spent more than 20 years working with boards and senior leaders on purpose, accountability, and belonging. She is also the founder of the BE Program — a space...
3 months ago • 1 min read
Hey Reader ♥, If you missed last week's newsletter on the wealth transfer and financial agency, you can find it here. This one picks up where that one left off. Last week I sent you something that had been sitting with me for a while — about the wealth transfer, about who it actually reaches, and about the difference between financial literacy and financial agency. You responded. And the conversation got interesting. Here's what came back. Eiliyah shared something that stopped me. She wrote...
3 months ago • 2 min read