About half of Canadians make a budget. Of those people, 20 per cent use a digital tool to budget and 10 per cent are more likely to make progress on their debt. That's leaves the other half of us relying on self-discipline to stay on top of our financial circumstances. Why is talking about money so tricky and why is budgeting so hard for us to do? To help us understand, we welcome Kingsley Chak, senior vice president of deposits, savings and investments at Scotiabank; Stephanie Wolfe, Wolfe Collective Wealth, an accredited financial counsellor and self-identified "best financial friend" who works predominantly with HENRY (High Earning Not Rich Yet) women, who make greater than $100,000; and Shay Myers of Finance for the Culture, a licenced financial educator who works primarily with people between 22 and 45 years of age who are still figuring out financial stability.

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