Since I came to Canada I no longer have savings. What is happening?

That question came from a listener, and it kicked off one of the

most honest conversations we've had on this podcast. Onose (treasury,

liquidity and funding risk management at a bank) and Dipo (institutional

investment, allocating capital across public and private asset management)

break down why saving feels impossible here — and what to actually do

about it.

We cover:

- Why the culture of tap-to-pay makes spending invisible

- TFSA vs RRSP vs FHSA, and which to prioritize first

- How to actually build a savings habit (standing orders, the 50/30/20 rule)

- Investing basics: stocks, ETFs, and the difference between them

- Credit score — what it actually measures and how to build it

- Black tax: how to set boundaries with family without the guilt

- The Bitcoin story neither of them wants to talk about

Not financial advice. Please speak to a licensed advisor for anything

here that applies to your own situation.

CHAPTERS

0:00 A listener's question

0:33 Meet Onose & Dipo

2:37 Why we don't have savings

4:38 Compound interest, explained

6:08 Stocks, ETFs, bonds — the basics

10:33 TFSA vs RRSP vs FHSA

16:10 Building a savings habit

20:53 Credit score, explained

26:33 Black tax and family boundaries

33:00 The "not financial advice" count

34:33 Parting advice + the Bitcoin story

37:07 Shameless plugs

#PersonalFinance #Toronto #NigeriansInCanada #NewcomersToCanada

#TheEmmyTorontoPodcast #TFSA #RRSP #BlackTax #MoneyTalk #TorontoPodcast

The World Cup is here — and it's in OUR city. 🌍⚽I sat down with Maame from @afromatchdays — a Ghanaian woman living in Toronto who is building community watch along events for African teams during the 2026 World Cup. One Nigerian. One Ghanaian. The most honest World Cup conversation you'll hear this summer.We talk about:🇳🇬 Nigeria's painful exit — 10 African teams qualified and we still didn't make it 😭🇬🇭 Ghana's chances — Group L with England and Croatia, and yes they've already bought the calculators🌍 Africa at this World Cup — Morocco tipped to WIN the whole thing🇨🇦 Canada hosting — from Germany 3rd to Qatar crashing out, what can Canada realistically do?🏆 Hot takes — Mbappe for top scorer, Bruno Fernandes for assists, and England to disappoint everyone🎉 EXCLUSIVE: Afro Match Days just made ALL tickets FREE — Jersey & Jollof on June 17, 20th & 23rd at S3 Pace Place, North York🎉 Want to watch the matches with the African community in Toronto?Follow @afromatchdays on Instagram — Jersey & Jollof is FREE, just register!📧 Collaborations: [email protected]📲 Follow us:Instagram: @theemmytorontopodcastTikTok: @the.emmy.torontoYouTube: @TETPodcastWebsite: theemmytorontopodcast.comCHAPTERS:0:00 In this episode — why do I have a knife to my throat 😂1:13 Welcome & introductions2:50 How big is the Ghanaian community in Toronto?3:13 What is Afro Match Days?5:32 The jollof question 👀5:35 Nigeria didn't qualify — are you okay?6:43 Nigeria's qualifying campaign — what went wrong10:01 Ghana's group — England, Croatia & Panama14:00 The Suarez handball — Africa still hasn't forgiven him16:15 Hot takes begin — host nation history18:42 Canada vs US vs Mexico — who goes furthest?21:13 What can visitors expect in Toronto this summer?22:36 Afro Match Days events & the jollof reveal 🍚23:22 Top goalscorer prediction — Mbappe24:18 Top assister — Vinicius Jr vs Bruno Fernandes26:06 Biggest disappointment — England 👀27:03 Shameless plugs — Afro Match Days FREE tickets!29:09 Closing & see you mid-tournament#WorldCup2026 #Toronto #Ghana #Nigeria #Canada #AfricanDiaspora #TheEmmyTorontoPodcast #WorldCup #FIFA2026 #TorontoPodcast #NigerianDiaspora #GhanaBlackStars #AfroMatchDays #JerseyAndJollof

In this Mother's Day special, Oby and Nma join Emmy for one of the most honest conversations about motherhood you'll hear. From navigating the emotional wrestle of returning to work after maternity leave, to being the only woman in a male-dominated tech team pumping milk in a car park — nothing is off limits.They talk about the sacrifices their own mothers made, the reverence that only comes after you've become a mother yourself, the homeschooling journey, gentle parenting, and why "spare the rod" might mean something very different from what we grew up believing.Plus — practical advice for young women who want to become mothers one day, postpartum anxiety, sowing seeds before the harvest, and why God's grace is sufficient even when the sleep isn't.🎙️ Guests:— Oby runs Tutor Doctor in the York Region — after school tutoring, all subjects, all grades, in-home or virtual.— Nma is the founder of The Curated Gift Co — thecuratedgiftco.ca📌 Subscribe & hit the notification bell — it's the lifeblood of the channel!💬 Leave your questions in the comments — our guests will be checking in.Chapters0:00 Introduction1:04 Meet Oby & Nma2:30 Returning to work after maternity leave7:00 Being the only woman in a male-dominated team12:50 The feeling of being left behind14:00 Talking about our own moms19:00 Would you homeschool your kids?23:40 Things your mum did that you swore you'd never do24:00 Spare the rod — the real conversation31:00 Gentle parenting & holding the line34:00 Telling stories about your kids 😂36:00 Advice for young women before becoming a mum46:00 Shameless plugs47:30 Subscribe & goodbye📲 Follow us:Instagram: @theemmytorontopodcastTikTok: @the.emmy.torontoYouTube: @TETPodcast#MothersDay #TheEmmyTorontoPodcast #MomLife #MaternityLeave #NigerianMom #TorontoPodcast #Motherhood #GentleParenting #PostpartumAnxiety #WorkingMom

Get cozy with us for a special Christmas episode where we dive deep into all things concerning Christmas! We're sharing our unfiltered opinions and getting nostalgic as we cover the festive season's essential topics:🎄 Holiday Hot Takes: Our honest opinions on Christmas tree, matching pajamas, and the legend of Santa.✨ Childhood Magic: We reminisce about the excitement and warmth of Christmas as a kid and share how we try to recapture that magic today.🕊️ Year-End Release: Looking back on the year, we discuss what mindsets or habits we're ready to leave behind—not as a resolution, but as a release for the new year.Pour yourself some hot cocoa and join our laughter-filled conversation!

In this episode, we sit down with the lead of the University of Toronto chapter of Not Just Tourists (NJT), a grassroots non-profit that has found an innovative way to address the global medical supply shortage. Learn how ordinary travelers are transforming their vacations into humanitarian missions by delivering surplus medical supplies—donated by hospitals, clinics, and individuals—to remote clinics in over 80 countries.We discuss the organization's operations from donations to "packing parties" to sort supplies, and the incredible impact these efforts have on communities around the world. Discover how the project prevents usable supplies from ending up in Canadian landfills and gives them a second life where they are desperately needed. If you've ever wanted to make a tangible difference while traveling, this episode is a must-listen.To learn more about their work, visit the Not Just Tourists website - https://njt.net/

Student life in Canada is not what Instagram shows. In this episode, we compare student life in Canada vs Nigeria, unpacking culture shock, cost of living, workload and what it’s really like juggling school as a foreign student. We talk about loneliness, homesickness and the pressure to “make it,” plus practical tips on how to actually make friends in Canada through school events, student associations, church and community.If you’re a Nigerian or international student planning to move to Canada (or you’re already here), this conversation will help you set realistic expectations and build a support system faster.

In this episode, we explore the realities of hustle culture and how it intersects with the dream of traveling more without breaking the bank. Learn practical strategies to cut travel costs—like living car-free—while doing something meaningful on the road. Our guest, a seasoned digital nomad, shares insights on freelancing and starting a business to maintain income and job security while exploring the world. Whether you’re caught in the hustle or seeking a better balance, get tips to travel smarter, purposefully, and affordably. Don’t miss these insider insights to turn your travel dreams into reality!

In this episode, we dive deep into “The Problem with Church Boys,” unpacking the unique challenges men from religious backgrounds face in today’s world. We discuss the importance of setting healthy boundaries, navigating romance, and the right—and wrong—ways to approach women. Plus, we explore how physical health, dressing sense, and confidence play crucial roles in building strong relationships and personal growth. Whether you’re looking to improve your self-image or understand modern dating dynamics, this episode offers honest insights and practical advice for every man.

Join the conversation and discover how to thrive beyond the stereotypes.

We’ve all been there—getting caught up in the spark, moving too fast, or feeling stuck in the dreaded talking stage. In this episode, we’re breaking down some of the most common dating mistakes, like mistaking chemistry for compatibility, rushing into relationships, and wasting time in situationships that go nowhere. If you’ve ever wondered why things keep fizzling out or why dating feels so complicated, this one’s for you. Let’s talk about it!

Join us as we share practical winter survival tips, personal Christmas experiences, and essential strategies to not just survive, but thrive during the coldest months. Learn skin-care secrets, car maintenance hacks, and heartwarming holiday insights.