The world may feel like it’s constantly changing, but your financial future is still in your hands. In this episode, Carla breaks down how to take control in a world of uncertainty, using the 5-Second Rule to make quick, confident decisions—even when the headlines are overwhelming. From tackling inflation to finding balance in your spending, we explore practical, no-nonsense tips for navigating the ups and downs of 2025. Ready to feel more in control of your finances? Tune in for actionable advice that’ll help you move forward with confidence—even when the world feels like it’s turning upside down.

Welcome back to Tandia Talks Money, where we make finances fun and easy to understand! In today’s episode, your trusty money guide, Carla, breaks down one of the least exciting but most impactful topics: tariffs.

Sure, it sounds like something straight out of a political debate, but tariffs affect your wallet more than you might think. Whether you're in Canada or the U.S., tariffs are impacting your prices, job security, and economic growth—whether you realize it or not. So what exactly are tariffs, and why should you care?

In this episode, we’ll explain what tariffs are in simple terms (with a fun party analogy!), how they increase prices, and how they ripple through economies. From Americans paying higher prices for products to Canadians facing job losses, tariffs have far-reaching consequences. But don’t worry—Carla shares tips on how to protect your finances, including staying informed, reviewing your budget, buying local, and managing your debt.

We’ve also included a helpful link to a video from CBC, where Andrew Chang breaks down how Canada is responding to tariff threats and how they could affect businesses and consumers. https://www.cbc.ca/player/play/video/9.6621858

Key Takeaways:

Stay ahead of the curve and protect your wallet—because tariffs aren’t just for economists. They affect everyone who wants to keep their finances on track!

Tune in every Monday for more bite-sized financial tips that’ll make you feel like a pro.

Catch the full episode and don’t forget to subscribe on your favourite podcast platform!

In this episode of Tandia Talks Money, Carla, explains how RRSPs and TFSAs can be your financial BFFs. These accounts might sound fancy, but they’re really just smart, tax-friendly places to stash your money. Whether you’re saving for retirement or a vacation, getting started now means future-you will be thanking you—probably from a beach.

We cover:

Take action and start contributing today—it’s easier than you think. Head over to tandia.com to learn more and make your future self proud!

Ah, the sweet nostalgia of rotary phones—each digit clicking away as you patiently dialled, only to misdial and start all over again. Sound familiar? Managing your finances can feel a lot like that. But here’s the thing: just like dialling a landline, it’s all about slowing down and taking things one step at a time.

In this episode, we’re talking about:

Hit play now to tune in and give your finances (and your mindset) a well-deserved refresh. You’ve got this!

New year, same you—and that’s more than enough. 

This episode is all about striking the perfect balance between enjoying life’s little splurges (because, yes, you deserve them) and keeping your budget intact. We’re breaking down:

It’s not about reinventing the wheel—it’s about small tweaks that make life better. You already know what works for you; we’re just here to help you recenter and spend smarter.

Tune in now and kick off the year feeling financially grounded!

The holiday season is fast approaching, and the pressure of last-minute shopping and gift-giving can be overwhelming. In this episode, we share a simple, one-week plan to help you tackle the holidays without stress. From thoughtful gift ideas to staying on budget, we provide tips for finding the perfect presents, managing your finances, and even getting a head start on next year’s holiday prep.

We cover practical ideas for Secret Santa gifts, teacher and colleague presents, and hostess gifts, all while keeping your budget in mind. We also offer quick shopping strategies to help you avoid overspending, plus tips for easy wrapping and organizing your gift list. Finally, we’ll share how to maintain your financial health during the holidays and start planning for a more stress-free holiday season in the future.

Topics Covered:

See You in the New Year! 

We’ll be back in 2025 with more practical financial advice to kickstart your year.

Happy Holidays from the Tandia team!

'Tis the season of twinkling lights, holiday cheer—and sneaky scammers trying to steal your joy (and your money). This episode covers the top fraud schemes to watch out for this festive season, from fake online shops to phishing emails disguised as delivery notices. Whether it’s spotting a phantom sale or shutting down a fake charity plea, we’re here to help you stay one step ahead of the Grinches lurking in cyberspace.

Bonus Gift: Learn how to protect yourself, your loved ones, and your holiday spirit from fraudsters working overtime.

Ready to sleigh the scams? Hit play now, and don’t forget to visit Tandia’s Fraud Page for even more tips and tools to keep your finances safe this season. Stay sharp, stay safe, and enjoy a scam-free holiday!

This week on Tandia Talks Money, we dive into the timeless debate: Can money really buy happiness? With holiday spending in full swing, we break down how thoughtful financial choices—like investing in experiences, giving back, and planning ahead—can bring more joy and less stress to your life.

 Takeaways:

Tune in now! Subscribe to Tandia Talks Money wherever you get your podcasts for actionable, relatable financial advice every Monday.

Want more? Visit us at www.tandia.com for tools and tips to help you align your finances with your goals.

In this episode, we unpack the popular “Latte Factor”—the idea that cutting out your daily $5 coffee can lead to long-term wealth. While the math seems straightforward, is it really that simple? Could skipping your daily latte truly make you a millionaire, or is this just another financial myth that oversimplifies the path to success?

We explore why this concept has gained so much attention, the real impact of small expenses, and whether focusing on minor indulgences distracts from the big decisions—like managing debt, growing income, and investing wisely—that shape your financial future.

More importantly, we challenge the notion that financial success means sacrificing life’s small joys. For many, a daily coffee isn’t just a drink; it’s a ritual, a moment of happiness, or a motivation boost. Can you enjoy that latte and still build wealth?

Join us as we uncover the truth about the “Latte Lie” and share practical strategies to achieve your goals while keeping the things that bring you joy.

At Tandia, we’re here to help you make smarter, easier financial choices. If you liked this episode, hit subscribe and follow us every Monday for more tips to get your money working for you. www.tandia.com

Welcome to your Financial Health Era! Inspired by Taylor Swift’s ability to define her journey through unique “eras,” this episode dives into how you can apply the same mindset to your financial journey. It’s time to reflect, re-evaluate, and take control of your finances with confidence and purpose.

What You’ll Learn in This Episode

Resources Mentioned in This Episode:

If you enjoyed this episode, don’t forget to:

At Tandia, we make finances feel less intimidating and a whole lot more relatable. Thanks for listening, and here’s to living well in your Financial Health Era!