Chael and Jason explore why 'use it or lose it' may not be the best approach to group benefits. 

Chael is very patient as Jason explains the problem with the Canada Learning Bond. And something is not BS! 

Links: 

The budgeting exercise works out surprisingly well for Chael, and we missed a big sponsorship opportunity! 

Chael talks about implementing a budget here, and how much it has changed things for him. 

Chael delves into his history, and Jason tries to not help him feel shame. 

Do we care about credit scores? Not as much as we care about misinformation! 

https://www.ctvnews.ca/toronto/consumer-alert/article/i-never-thought-they-were-going-to-destroy-my-credit-score-woman-shocked-her-credit-score-dropped-dramatically-over-one-unpaid-bill/

By the end of this episode, you'll understand pensions in a way that no person could have ever fathomed understanding pensions. 

Jason tries and fails to explain pensions in 20 minutes or less. 

https://www.reddit.com/r/PersonalFinanceCanada/comments/1op6m6i/i_dont_understand_how_my_hoopp_pension_works/?share_id=EDJEajnKLXHBhqPJBALFN&utm_medium=ios_app&utm_name=iossmf&utm_source=share&utm_term=3 

Incentives matter. In this episode, we look at how incentives in the insurance industry are badly disconnected from regulatory outcomes. 

https://www.investmentexecutive.com/news/industry-news/fsra-fines-former-insurance-agent-and-his-corporation-for-coercion-undue-influence/ 

Is Chael still the financial layperson? Not so sure after this episode. 

https://www.sootoday.com/local-news/ontario-woman-says-government-took-every-cent-of-parents-savings-11128994 

https://www.ctvnews.ca/toronto/consumer-alert/article/daughter-hit-with-660000-tax-bill-when-both-parents-died-in-same-year/