Our guest this episode is Brian Orlando — CPA and creator of the fast-growing Canadian personal finance account @CalmMoneyCoach. Brian has over 15 years of experience across accounting, finance and tech, before recently leaving the corporate world to pursue financial coaching full time. His mission is simple: reduce money stress and help people build plans they can actually stick to.

In this conversation, Dave and Brian explore why simplicity is often the most powerful strategy in personal finance — from automating savings and avoiding high-fee products to cutting through common misconceptions around RRSPs and investing. They also dive into real-world challenges Canadians are facing today, including the rising cost of living, lifestyle inflation and the pressure to “keep up.” Along the way, Brian shares practical insights on everything from the Smith Maneuver to employer RRSP matching, renting vs. buying, insurance decisions and how to make smarter financial choices in your 30s and beyond.

If you’re looking for straightforward, no-nonsense financial advice that actually works in the real world, this episode is packed with practical takeaways you can implement right away.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Brian Orlando (The Calm Money Coach)

(02:26) Brian’s Background & Career Path

(05:37) How Brian Grew His Audience for Calm Money Coach

(07:55) Why Simplicity Beats Complexity in Investing

(11:03) Automating Savings & Paying Yourself First

(11:54) The Downside of Fintech Platforms & Expensive Investment Products

(13:52) The Rising Cost of Living & Financial Desperation

(16:10) The Smith Maneuver Explained

(23:08) Financial Advice for Canadians in Their 30s

(27:55) Canada is Lucky to Have Great Financial Educators

(29:59) RRSP Misconceptions & Tax Efficiency

(32:59) Getting Good Advice for Retirement is Financially and Emotionally Beneficial

(36:30) Will People Get Married in Retirement for the Tax Advantages?

(37:50) Rent vs. Buying a Home

(43:45) The FHSA & Its Triple Tax Advantage

(44:21) Term vs. Whole Life Insurance

(47:10) Employer Matching on Group RRSP & Fees

(49:46) Overspending on Cars & Lifestyle Inflation

(52:32) Conclusion