This week tackle the concept of savings rate and see what rate could be best for you. Plus we talk about how ability, willingness and time are the biggest factors in saving.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Useful Resources:

T Rowe Price article 1: https://www.troweprice.com/personal-investing/resources/insights/what-adjustments-should-i-make-my-retirement-savings.html

T Rowe Price article 2: https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-should-you-have-by-now.html

I’m just a strong and independent person that simply does what others tell me. This week we explore the book “Nudge – The Final Edition” by Richard Thaler and Cass Sunstein to see how others are making up our own minds. Learn how to protect your finances from the myriad of voices trying to lure you through sales funnels.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Why read something when you can just misquote it instead. This week we delve into the holy document of the FIRE movement, the Trinity study. What does this famous paper actually say and how has it been misrepresented in the personal finance community. Plus some tips to help you get the most out of the papers actual results.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Useful Resources:

The Trinity Study: https://www.aaii.com/files/pdf/6794_retirement-savings-choosing-a-withdrawal-rate-that-is-sustainable.pdf

This week we talk about a popular personal finance book Christine actually liked, “The Ultimate Retirement Guide for 50+” by Suze Orman. We lay out our top 10 favorite parts of this book that you can apply to your own finances.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

This week we talk about the ins and outs of health and life insurance and see how we can pre-pay today to solves tomorrow's problems. What is Disability and Critical illness insurance, the difference between temp and permanent and how you can’t build a robust financial plan without insurance.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we track down some odd but helpful money\ saving tips to help out with your day to day spending. Everything from finding things for free, maximizing your grocery shopping and more.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

I have a bad habit of putting the “pro” in procrastination. This week we talk about “The Procrastination Equation” by Piers Steel and see how procrastination is hurting your finances. Discover useful tips, ways to motivate yourself and how to fix everything with math.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we take a look at the work of Gary Selnow and see the top reasons people don’t save for retirement. Problems such as lack of instant gratification, no set structure, no accountability and more ways people are sabotaging their retirements, plus some solutions.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

Useful Resources:

Motivating Retirement Planning: Problems and Solutions byGary Selnow -  https://repository.upenn.edu/server/api/core/bitstreams/4feb056b-e015-4422-9fa9-1efccd633b72/content

This week we find out how to take advantage of the money you got back from the government. What strategy is best depending on your income, how to balance risk and how to spend that found money wisely.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada

This week we talk about two common financial advice tips that if not done properly can leave you in a worse position than when you started. That’s right hot topics like borrowing to invest and maximizing your mortgage finally get put to the test.

If you live in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario or Yukon let us help you take care of the people you love and visit braunfinancial.com 

DIY Investing at: https://get.modernadvisor.ca/braun-financial/

Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada