Recessions occur when growth stops and the economy starts to shrink. They're inevitable, but unpredictable. And you can take steps to better prepare your finances. This episode gives you guidance on what you need to do now!

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Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Soooo, you got a tax refund? Before you go blowing it on that Gucci purse you've been eying over the last few months, listen to this episode.

Today, we discuss some SMART ways to spend your tax refund -- the future you will thank you. What are you waiting for? Hit 'play'

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Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Has anyone ever slid into your DM's claiming they can help you make 10k per month? Maybe they're trying to sell you this amazing reality of working anywhere from the world while making 6 figures. All you have to do is sell their company's product? How hard could it be?

Well the likelihood of you earning 6 figures and living this lavish life is slim to none. Sorry to break it to you.. in this episode Gina breaks down the pros & cons of working for a MLM, her experience, and what you should do instead.

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Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Are you on the fence about getting a fixed or variable rate mortgage? Tune into this episode to learn more, in this episode I cover:

- What a fixed rate is
- What a variable rate is
- The pro's and con's of a variable or fixed rate
- Penalties when breaking a fixed rate
- Penalties when breaking a variable rate
- Components that impact interest rates
- Should you lock into a fixed rate?

This podcast episode was sponsored by Sezzle, check them out:

Financial Wellness Blogs : https://my.sezzle.com/category/financial-wellness/

Sign up for Sezzle: https://sezzle.com/signup?utm_source=my.sezzle&utm_medium=lp-nav
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Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Everyone wants to be financially successful. But do you ever wonder about what it takes, day in and day out, to build a money routine that works? It might be easier than you think! In this episode I deep dive into what it takes to create a great routine, habits can make our lives much easier and having a daily routine helps with that. The things that we do every day, seemingly on auto-pilot, are what make us successful. It is especially true with finances.

This podcast episode was sponsored by Sezzle, check them out:

Financial Wellness Blogs : https://my.sezzle.com/category/financial-wellness/

Sign up for Sezzle: https://sezzle.com/signup?utm_source=my.sezzle&utm_medium=lp-nav
--

Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

We all know that children are expensive, in fact the average post secondary education costs $96,000. What if I told you that the government of Canada gives away free money that can be used towards your child's education? There are a number of benefits associated with opening a RESP, listen to this episode for a brief introduction. Today, I discuss:

- The benefits of a RESP
- How to open a RESP
- How to apply for government grants ($7200+$2000)
- Flexible options associated with a RESP
- Investing within a RESP (this is soo important!)

Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Refinancing your mortgage has a number of benefits. But what exactly does it mean to refinance? In this episode I break down:

- How a mortgage impacts other areas of your finances
- Refinancing your mortgage today & what that looks like
- The main reason homeowner’s refinance their mortgage
- What a mortgage broker looks at when refinancing your mortgage
- Fees involved with refinancing a mortgage

~ refinance your mortgage with me today, I’ll get you a competitive rate and a mortgage product that makes sense based on your financial goals

~ create an account with cloud tax today: https://cloudtax.ca/

Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Today I chat with Nika Farb from Miss Findependent. Nika is on a mission to teach women financial literacy, helping them become confident investors, entrepreneurs or go further in their careers.

Here's what we get into today:

3:13 - Common Misconceptions about Mortgages

5:55 - What is a Mortgage

9:50 - HELOCs

11:50 - Interest Rates

23:03 - Why Work with a Mortgage Broker

27:16 - Should You Buy Property with a Friend?

31:15 - Should I Pay Off My Mortgage Early

Connect with Nika:

instagram: @missfindependent
TikTok: @nikafarb
Podcast: https://open.spotify.com/show/6ZhEr4zUznVaRDAX1vvhTU
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If you want to enrol into my coaching program, I'm currently on-boarding for quarter 2 and quarter 3, you can apply here: https://millennialmoneyguide.typeform.com/to/YJNTqh7Y

Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Taxes, a word that used to stress me the f**ck out. Once I learnt how to maximize my taxes, I no longer stressed around tax season. In this episode I break down:

- How to effectively prepare for income tax season
- Softwares you can use to file taxes
- How to stay organized throughout the year
- Different tax deductions and credit’s you can tax advantage (if you’re a student, a parent, a first time home buyer, or a business owner — you need to listen to this)
- How to increase your refund or minimize the amount that you owe!

If you want to enrol into my coaching program, I'm currently on-boarding for quarter 2 and quarter 3, you can apply here: https://millennialmoneyguide.typeform.com/to/YJNTqh7Y

Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.

Do you feel guilty spending money on yourself? Do you refrain from taking vacations because you feel like you can't afford it? In this episode, I provide strategies that'll help you make guilt free purchases.

In 2022, I prioritized traveling, I made a goal to travel to a destination once per month. Using the strategies mentioned in this episode, I'll be able to execute this without breaking the bank. Guess what? You can too! Well... what are you waiting for? Hit the play button and remember to leave a review once you've finished the episode!

If you want to enroll into my coaching program, I'm currently onboarding for quarter 2 and quarter 3, you can apply here: https://millennialmoneyguide.typeform.com/to/YJNTqh7Y

Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclass

Follow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)

Want to start a mortgage application? Email me at: [email protected]

Book a consulting session with Gina: https://calendly.com/themmg

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.