Before you invest for your kid, do you know what financial options are available to them?

In this episode of Raise Rich Kids, I’m breaking down why investing for your child and having a financial plan are two different things. You could be putting money away every month and still miss out on government grants or choose an account that doesn’t match what the money is for.

We’re talking about RESPs, the Canada Education Savings Grant, ITF accounts and RDSPs for families who qualify. I’ll also touch on permanent life insurance and why it takes a look at your family’s full financial picture to decide whether it fits.

Because the question isn’t just, “Where should I invest my kid’s money?”

It’s “What is the financial game plan for my child?”

EPISODE HIGHLIGHTS:

• Why investing for your child starts with a financial plan
• How the same $300 a month could qualify for RESP grant money
• What to consider before opening an ITF account for your child
• What happens to an RESP if your child doesn’t go to university
• How RDSPs and permanent life insurance may fit into a family’s broader plan

__________________________________________________________________________________________________

WAS THIS EPISODE HELPFUL?

If this episode was helpful to you, subscribe to the Raise Rich Kids Podcast and leave a five-star review. By doing so, you’re helping me spread financial literacy to families around the world, which is one of my biggest missions in this lifetime.

As a thank you, I’ll send you my Family Wealth Vision Starter Kit — an activity you can do with your kids to dream, build and plan your financial future together.

To get your kit, upload a screenshot of your review on Apple or Spotify at www.genicca.com/review.

__________________________________________________________________________________________________

→  READY FOR A PERSONALIZED 1:1 FINANCIAL GAMEPLAN?

If you’re ready to become more intentional with your money, build wealth with greater clarity, and understand how to make the Canadian financial system work in your favour, you can apply for a Private 1:1 Financial Planning Session with me.

This is a personalized session designed to help you understand the financial strategies available to you, including the wealth-building accounts Canadian families should know about, simple tax strategies many people overlook, and how to invest in a way that aligns with your personal goals, timeline, and family priorities.

We’ll look at your financial picture as a whole, uncover potential gaps and missed opportunities, and help you create a more strategic path forward - so every dollar has a purpose.

Apply for your private 1:1 Financial Planning Session here →

Because building wealth isn’t about doing more with your money.

It’s about knowing how to use it more strategically.

I look forward to showing you... what the system did not.

XO, Genicca Whitney

Licensed Holistic Financial Strategist 

www.genicca.com | @geniccadotcom

Your kid might be spoiled - and it may have nothing to do with how much money you have.

In this episode of Raise Rich Kids, I’m breaking down the difference between raising a rich kid and raising a spoiled kid - and how some of the things we do out of love can unintentionally create entitlement, dependence and poor money habits.

We’re talking about boundaries, gratitude, responsibility, financial consequences and the uncomfortable ways our own childhood experiences can show up in how we parent around money.

Because giving your kids more than you had doesn’t have to mean giving them everything you didn’t have.

The goal isn’t to raise kids who have everything. It’s to raise kids who know how to handle what they have.

IN THIS EPISODE:

Why saying yes too often can backfire, how overgiving can affect your child’s relationship with money, and what it really looks like to raise kids in abundance without raising them with entitlement.

WAS THIS EPISODE HELPFUL?

If this episode was helpful to you, subscribe to the Raise Rich Kids Podcast and leave a five-star review - by doing so, you’re helping me spread financial literacy to families around the world, which is one of my biggest missions in this lifetime.

As a thank you, I’ll send you my Family Wealth Vision Starter Kit - a powerful activity you can do with your kids to dream, build and plan your financial future together.

To get your kit, just upload a screenshot of your review on Apple or Spotify at www.genicca.com/review.

__________________________________________________________________________________________________

→  READY FOR A PERSONALIZED 1:1 FINANCIAL GAMEPLAN?

If you’re ready to become more intentional with your money, build wealth with greater clarity, and understand how to make the Canadian financial system work in your favour, you can apply for a Private 1:1 Financial Planning Session with me.

This is a personalized session designed to help you understand the financial strategies available to you, including the wealth-building accounts Canadian families should know about, simple tax strategies many people overlook, and how to invest in a way that aligns with your personal goals, timeline, and family priorities.

We’ll look at your financial picture as a whole, uncover potential gaps and missed opportunities, and help you create a more strategic path forward - so every dollar has a purpose.

Apply for your private 1:1 Financial Planning Session here →

Because building wealth isn’t about doing more with your money.

It’s about knowing how to use it more strategically.

I look forward to showing you... what the system did not.

XO, Genicca Whitney

Licensed Holistic Financial Strategist 

www.genicca.com | @geniccadotcom

Every time you say “We can’t afford it,” your kids are learning something about money. But is it what you actually want to teach them?

Our kids are listening to how we talk about money - at the mall, at the grocery store, when bills come in, and every time they ask us to buy something.

In this episode of Raise Rich Kids, I’m breaking down why the language we use around money matters and how small changes in the way we respond can teach our kids about priorities, value, delayed gratification, entrepreneurship and financial decision-making.

Because raising financially confident kids isn’t just about teaching them how to save or invest.

It’s about what we model every single day.

EPISODE HIGHLIGHTS:

• Why saying “We can’t afford it” can shape how your kids think about money
• How to talk about priorities and choices when your child asks for something
• Why teaching your kids to ask “Is it worth it?” helps them understand value
• How to turn “Can you buy this for me?” into a conversation about earning money
• What your everyday money habits are teaching your children

__________________________________________________________________________________________________

WAS THIS EPISODE HELPFUL?

If this episode was helpful to you, subscribe to the Raise Rich Kids Podcast and leave a five-star review — by doing so, you’re helping me spread financial literacy to families around the world, which is one of my biggest missions in this lifetime.

As a thank you, I’ll send you my Family Wealth Vision Starter Kit — a powerful activity you can do with your kids to dream, build and plan your financial future together.

To get your kit, just upload a screenshot of your review on Apple or Spotify at www.genicca.com/review.

__________________________________________________________________________________________________

→  READY FOR A PERSONALIZED 1:1 FINANCIAL GAMEPLAN?

If you’re ready to become more intentional with your money, build wealth with greater clarity, and understand how to make the Canadian financial system work in your favour, you can apply for a Private 1:1 Financial Planning Session with me.

This is a personalized session designed to help you understand the financial strategies available to you, including the wealth-building accounts Canadian families should know about, simple tax strategies many people overlook, and how to invest in a way that aligns with your personal goals, timeline, and family priorities.

We’ll look at your financial picture as a whole, uncover potential gaps and missed opportunities, and help you create a more strategic path forward - so every dollar has a purpose.

Apply for your private 1:1 Financial Planning Session here →

Because building wealth isn’t about doing more with your money.

It’s about knowing how to use it more strategically.

I look forward to showing you... what the system did not.

XO, Genicca Whitney

Licensed Holistic Financial Strategist 

www.genicca.com | @geniccadotcom

You have $25,000 sitting in cash. Now what?

Should you invest it? Max out your TFSA? Put it into an RRSP? Save it for a house? Pay down debt? Invest in your business?

The answer might surprise you: there is no one-size-fits-all strategy.

In this episode of Raise Rich Kids, I'm breaking down three completely different $25,000 scenarios - an entrepreneur, a two-income family and a single professional mom - to show you how a financial planner actually thinks about allocating money.

You'll learn why your goals, taxes, government resources, family structure, time horizon, liquidity and risk tolerance should come before choosing an investment.

Because building wealth isn't about copying what someone else is doing with their money.

It's about learning how to make the smartest decisions for your life - and then teaching your kids to do the same.

EPISODE HIGHLIGHTS:

• Why “What should I invest in?” isn’t the first question to ask when building wealth
• How three people could use the same $25,000 in three completely different ways
• Why taxes, registered accounts, government grants and benefits belong in the conversation before choosing an investment
• How to teach your kids to ask, “What do I want this money to do for me?”

__________________________________________________________________________________________________

WAS THIS EPISODE HELPFUL?

If this episode was helpful to you, go ahead and subscribe to the Raise Rich Kids Podcast and leave a five-star review — by doing so, you’re spreading the word of financial literacy around the world, which is my biggest mission in this lifetime.

As a thank you, I’ll send you my Family Wealth Vision Starter Kit — where you can dream, build and plan with your kids. It’s a powerful activity you can do together this weekend.

To get your kit, just upload a screenshot of your review on Apple or Spotify to my website at www.genicca.com/review.

__________________________________________________________________________________________________

→  READY FOR A PERSONALIZED 1:1 FINANCIAL GAMEPLAN?

If you’re ready to become more intentional with your money, build wealth with greater clarity, and understand how to make the Canadian financial system work in your favour, you can apply for a Private 1:1 Financial Planning Session with me.

This is a personalized session designed to help you understand the financial strategies available to you, including the wealth-building accounts Canadian families should know about, simple tax strategies many people overlook, and how to invest in a way that aligns with your personal goals, timeline, and family priorities.

We’ll look at your financial picture as a whole, uncover potential gaps and missed opportunities, and help you create a more strategic path forward - so every dollar has a purpose.

Apply for your private 1:1 Financial Planning Session here →

Because building wealth isn’t about doing more with your money.

It’s about knowing how to use it more strategically.

I look forward to showing you... what the system did not.

XO, Genicca Whitney

Licensed Holistic Financial Strategist 

www.genicca.com | @geniccadotcom

“Building wealth isn’t about how much money you make. It’s about understanding the rules of the game.”

In this episode of the Raise Rich Kids Podcast, I’m breaking down four powerful wealth-building accounts every Canadian family should understand: the TFSA, RESP, FHSA and RRSP.

Most of us were taught how to earn money — but not necessarily how to position it, invest it, reduce taxes strategically, or take advantage of the financial tools available to us in Canada. That was my experience too, until someone finally sat me down at 19 years old and explained how investing and RRSPs actually worked.

This episode is about making these accounts simple, understanding what each one is designed to do, and recognizing that opening an account isn’t the strategy — knowing how and when to use it is.

EPISODE HIGHLIGHTS:

• The difference between a TFSA, RESP, FHSA and RRSP — and what each account can help your family accomplish
• Why simply opening a registered account isn’t enough, and why what happens inside the account matters
• How tax deductions, tax-free growth, government grants and strategic investing can help families build wealth more intentionally
• Why the biggest financial mistake isn’t choosing the “wrong” account — it’s not having a strategy for your money

__________________________________________________________________________________________________

WAS THIS EPISODE HELPFUL?

If this episode was helpful to you, go ahead and subscribe to the Raise Rich Kids Podcast and leave a five-star review — by doing so, you’re spreading the word of financial literacy around the world, which is my biggest mission in this lifetime.

As a thank you, I’ll send you my Family Wealth Vision Starter Kit — where you can dream, build and plan with your kids. It’s a powerful activity you can do together this weekend.

To get your kit, just upload a screenshot of your review on Apple or Spotify to my website at www.genicca.com/review.

__________________________________________________________________________________________________

→  READY FOR A PERSONALIZED 1:1 FINANCIAL GAMEPLAN?

If you’re ready to become more intentional with your money, build wealth with greater clarity, and understand how to make the Canadian financial system work in your favour, you can apply for a Private 1:1 Financial Planning Session with me.

This is a personalized session designed to help you understand the financial strategies available to you, including the wealth-building accounts Canadian families should know about, simple tax strategies many people overlook, and how to invest in a way that aligns with your personal goals, timeline, and family priorities.

We’ll look at your financial picture as a whole, uncover potential gaps and missed opportunities, and help you create a more strategic path forward - so every dollar has a purpose.

Apply for your private 1:1 Financial Planning Session here →

Because building wealth isn’t about doing more with your money.

It’s about knowing how to use it more strategically.

I look forward to showing you... what the system did not.

XO, Genicca Whitney

Licensed Holistic Financial Strategist 

www.genicca.com | @geniccadotcom

“Instead of trying to predict our children’s entire future, we can prepare them for whatever future arrives.”

In this episode of the Raise Rich Kids Podcast, I’m talking about a question that kept me up one night: Are my kids actually going to be okay in a world changing this quickly because of AI?

Our children are growing up in a completely different economy than we did. Technology is evolving, careers are changing, automation is reshaping industries, and the traditional path of go to school, get a good job and everything will work out may not offer the same security it once did.

But this episode isn’t about fearing AI.

It’s about asking a much more powerful question: What skills can we give our children now that will help them thrive no matter what the future looks like?

From adaptability and creativity to financial literacy, communication, resilience and entrepreneurship, I’m sharing why I believe our job isn’t simply to prepare kids to get jobs — it’s to help them become people who know how to create value, solve problems and create opportunities for themselves.

EPISODE HIGHLIGHTS:

• Why the traditional idea of a “safe career” may look very different for our children
• Why adaptability, creativity and problem-solving could become some of their greatest advantages
• Why teaching entrepreneurship isn’t about raising every child to become an entrepreneur
• The powerful life skills kids develop when they learn to create, communicate, sell and solve problems
• Why financial literacy needs to start long before our children receive their first paycheque
• Why human connection, communication and confidence may become even more valuable in an AI-powered world
• How entrepreneurship can teach children resilience, ownership and how to create value
• Why we don’t have to predict our children’s future — we can prepare them to thrive inside it
• Why the real goal isn’t simply building the business — it’s building the child

WAS THIS EPISODE HELPFUL?

If this episode was helpful to you, go ahead and subscribe to the Raise Rich Kids Podcast and leave a five-star review — by doing so, you’re spreading the word of financial literacy around the world, which is my biggest mission in this lifetime.

As a thank you, I’ll send you my Family Wealth Vision Starter Kit — where you can dream, build and plan with your kids. It’s a powerful activity you can do together this weekend.

To get your kit, just upload a screenshot of your review on Apple or Spotify to my website at www.genicca.com/review.

→  READY FOR A PERSONALIZED 1:1 FINANCIAL GAMEPLAN?

If you’re ready to become more intentional with your money, build wealth with greater clarity, and understand how to make the Canadian financial system work in your favour, you can apply for a Private 1:1 Financial Planning Session with me.

This is a personalized session designed to help you understand the financial strategies available to you, including the wealth-building accounts Canadian families should know about, simple tax strategies many people overlook, and how to invest in a way that aligns with your personal goals, timeline, and family priorities.

We’ll look at your financial picture as a whole, uncover potential gaps and missed opportunities, and help you create a more strategic path forward - so every dollar has a purpose.

Apply for your private 1:1 Financial Planning Session here →

Because building wealth isn’t about doing more with your money.

It’s about knowing how to use it more strategically.

I look forward to showing you... what the system did not.

XO, Genicca Whitney

Licensed Holistic Financial Strategist 

www.genicca.com | @geniccadotcom

“Our children deserve more than survival. They deserve tools, wisdom, confidence, options, leadership - and the ability to create opportunities for themselves.”

In this first episode of the Raise Rich Kids Podcast, I’m sharing the personal story behind why I created this show — from growing up surrounded by financial stress, to discovering entrepreneurship and learning firsthand how powerful financial literacy can be.

This podcast is about more than teaching kids about money. It’s about raising creative thinkers, confident leaders, problem-solvers and future entrepreneurs — while becoming the kind of parents who model what’s possible.

EPISODE HIGHLIGHTS:

• How growing up with financial stress shaped my mission to Raise Rich Kids
• How entrepreneurship changed what I believed was possible for my life and family
• Why financial literacy can give our children greater freedom, confidence and options
• Why preparing our kids for the future starts with what we model at home

__________________________________________________________________________________________________

WAS THIS EPISODE HELPFUL?

If this episode was helpful to you, go ahead and subscribe to the Raise Rich Kids Podcast and leave a five-star review — by doing so, you’re spreading the word of financial literacy around the world which is my biggest mission in this lifetime. As a thank you my Family Wealth Vision Starter Kit - where you can dream, build and plan with your kids… its a powerful activity that you can do this weekend.

To get your kit, just upload a screenshot of your review on Apple or Spotify to my website at www.genicca.com/review.

__________________________________________________________________________________________________

→  READY FOR A PERSONALIZED 1:1 FINANCIAL GAMEPLAN?

If you’re ready to become more intentional with your money, build wealth with greater clarity, and understand how to make the Canadian financial system work in your favour, you can apply for a Private 1:1 Financial Planning Session with me.

This is a personalized session designed to help you understand the financial strategies available to you, including the wealth-building accounts Canadian families should know about, simple tax strategies many people overlook, and how to invest in a way that aligns with your personal goals, timeline, and family priorities.

We’ll look at your financial picture as a whole, uncover potential gaps and missed opportunities, and help you create a more strategic path forward - so every dollar has a purpose.

Apply for your private 1:1 Financial Planning Session here →

Because building wealth isn’t about doing more with your money.

It’s about knowing how to use it more strategically.

I look forward to showing you... what the system did not.

XO, Genicca Whitney

Licensed Holistic Financial Strategist 

www.genicca.com | @geniccadotcom