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...
19 days 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...
26 days 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...
about 1 month 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...
about 1 month ago • 2 min read
Hey Reader ♥, I was 16 when I realized I was going to be my mom's retirement plan. Nobody said it out loud. Nobody had to. It was just understood — the way a lot of things are understood in first-gen families. You try to figure out the rules of a game you were never taught, and when you play, you play for everyone. But when I finally started speaking about money out loud, I started looking for education, access, and systems. That gave me agency. And I haven't stopped since. That moment never...
about 2 months ago • 2 min read
Hey Reader ♥, March 8th was International Women's Day, and for the rest of the month, we will see posts with inspiring graphics celebrating women, achieving dreams, and breaking glass ceilings. But here's what they won't tell you: Half of that celebration is meaningless if you don't have financial confidence. Because financial confidence isn't just nice to have. It's how you navigate life. The Statistics Nobody Talks About Let's talk about what actually happens to women when they don't...
5 months ago • 4 min read
Hey Reader ♥, Seventeen years ago, the government introduced the TFSA. I thought it was a savings account for vacation money. So I kept maxing out my RRSP, getting those fat tax refunds, and feeling like I was doing the responsible financial thing. Last year, I went over my accounts and realized something that made my stomach drop: My RRSP? Incredibly healthy. Twenty years of contributions, compounding beautifully, massive growth. My TFSA? Nearly empty. And I suddenly understood: I've been an...
5 months ago • 4 min read
Hey Reader ♥, I got off the phone with a journalist this month asking me about emergency funds, and honestly? The conversation made me realize something. A lot of you are sitting on emergency funds, feeling guilty about it. The stock market is up. Your friend just posted about their portfolio gains. Meanwhile, your $15,000 is sitting in a savings account earning 4%, and you're thinking: "I'm wasting money. That could be growing. I'm being too cautious." So let me tell you something I wish...
6 months ago • 5 min read
Hey Reader ♥, The RRSP contribution deadline is March 2, 2026, and if your inbox looks anything like mine, you're being bombarded with messages: "Last chance to contribute!" "Don't miss out on your tax refund!" "Act now before the deadline!" The urgency is real. The pressure is intense. And a lot of you are about to make panic-driven decisions that look good in February but mess up your finances for the rest of the year. So before you scramble to contribute, borrow money to hit your limit, or...
6 months ago • 7 min read