Chris knows all the buttons to push to get John, our resident housing bear, to pull out his rent vs. buy calculator:

1:37 - How should we start thinking about real estate
6:30 - Is renting just a phase of life
10:24 - Is there an equation for rent vs buy
15:33 - What is ‘pride of ownership’ worth?
19:25 - How to live in a housing bubble
24:24 - Rent vs Buy when you’re not living in Toronto or Vancouver
27:25 - John breaks down the rent vs buy math
33:07 - Is a house a tool for forced savings?
38:21 - The social pressure to own a home as a Canadian
43:51 - How does longterm renting work?
54:18 - Defining Step Zero

For full show notes please visit: http://www.becausemoney.ca/s3-ep-13-chris-and-john-talk-rent-vs-buy

S3 Ep13 - Chris and John Talk Rent vs. Buy

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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?

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 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

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' 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!!)

S3 Ep13 - Chris and John Talk Rent vs. Buy

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