MISS FINDEPENDENT

MISS FINDEPENDENT

A personal finance podcast for young Canadians - starting from the basics to help you manage your money. Covering topics from budgeting to careers to the financial independence movement. Make your money work for you!

Episodes

March 9, 2021 25 min

S03E09. Mindful spending when it comes to retail shopping (Part 2)! Wendy is back and we chat about ways to save money while still enjoying the shopping experience, alternatives to retail therapy, thrifting, capsule wardrobes, reselling your clothes on different platforms and more.

This is the season finale of season 3. Thank you everyone for your support thus far, and stay tuned for season 4! Tons of awesome content coming your wa...

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S03E08. Mindful spending when it comes to retail shopping! My friend Wendy and I chat about ways to save money while still enjoying the shopping experience - she shares tips and tricks like making a list to determine if it's really something you want vs. an impulse buy, and not to add on to your shopping cart just for the sake of free shipping. Wendy says it's possible to be less materialistic without learning to unlove mat...

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S03E07. Tom Drake, founder of MapleMoney is here today to share his journey starting his blog and podcast to becoming one of the most popular Canadian personal finance brands. We chat about Tom's relationship with money, the beginnings of MapleMoney, staying motivated, and Tom shares some wisdom for new content creators on things he wishes he knew when he was starting out. If you're reading this, this is your sign to start ...

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S03E06. GameStop stock, Wall Street Bets on Reddit, hedge funds, options trading, short squeezes, gamma squeezes, market forces. All explained right now. What really happened? Why now? Did WSB stick it to the man? Is it over? Has the squeeze been squoze? Where are the shares? Runda is back, and we talk all about what happened on the stock market over the past couple weeks. And of course, Runda brings up blockchain technology and ho...

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February 2, 2021 26 min

S03E05. Buying your first home part 2! On getting a real estate agent, unexpected home expenses, house hacking, budgeting for home expenses and more! Denise is back, dropping knowledge on how to make sure you don't end up house poor and are able to live reasonably within your means while affording your dream home!

Show Notes

https://www.missfindependentpod.com/show-notes/season-3-episode-5/

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S03E04. All about buying your first home!! My friend Denise and I chat about buying a property. In part 1 this week, we focus on mortgages, saving for a down payment, and also chat about different types of properties and how to budget for buying a place, as well as something you can use to help buy a home that feels illegal but isn’t.

Please tune in next week for part two where we cover getting a real estate agent, budgeting for ho...

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S03E03. All about co-living, or shared housing! Derek Baker and I chat about what co-living is, how it differs from a traditional roomie or hostel situation, its benefits and drawbacks, how to determine if this is a living situation that is right for you, and find a place that is right for you. We also talk about how it looks like in a Covid environment, and Derek's upcoming co-living plans (on a shoestring budget!) 

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S03E02. Today Gloria is joined by her friend Ivan who is a Registered Nurse. We chat about a variety of personal finance topics. The main goal of this podcast is to normalize conversations about money, and hope that this sparks similar conversations with your friends and family. We’ll go over different types of pensions, life insurance, how to negotiate prices when buying big ticket items, his career path and some investing lessons...

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January 5, 2021 33 min

S03E01. Today Gloria is joined by her friends Jill and Maddy. We talk about investing for the long term. We go over investing basics - asset classes, risk tolerance and different options for investing. We also discuss our investing strategies and stories. We also get into whether there are gender differences in investing. Canadians, 2021 means $6,000 more in TFSA contribution room! Let’s get this bread!

Sources

https://hbr.org/2019...

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December 29, 2020 24 min

Runda is back! This week's episode is more Bitcoin focused, as we discuss the history of Bitcoin, the recent all time highs in Bitcoin price we're seeing and the potential reasons for it, and once you've done your own due diligence - how to enter the market. We also chat about why it's important to fund disruptive technologies. Hope this helps others understand Bitcoin better!

Detailed show notes:

https://www.missfi...

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Today Gloria is joined by her friend Runda. They discuss what cryptocurrency and what blockchain is, how it works and how it’s revolutionized accounting. We chat about things you need to know before investing in cryptocurrency. Hope this helps others understand cryptocurrency better!

Links

Detailed show notes: 

https://www.missfindependentpod.com/show-notes/season-2-episode-6/

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Today Gloria is joined by her friends Patrick and Alex. They discuss the FI(RE) or financial independence retire early movement. This is where the name MISS FINDEPENDENT came from! We get into what FIRE is, how to reach it and a bit about our own FI journeys. We also get into how to talk about money with your partner, which can potentially be daunting but doesn't have to be! Hope this provides some perspective on the FIRE movem...

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Today Gloria is joined by her friend Isabel. They discuss the origins of gift giving, the 2020 consumer holiday outlook, ways to save money on gifts, DIY and sustainable gift ideas. Hope this inspires others sleigh your budget this holiday season!

Links

Detailed show notes/sources: https://www.missfindependentpod.com/show-notes/season-2-episode-4

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Steph and Alex are back again this week! We discuss meal prep, cooking at home, snacking to prevent take out cravings, and tips and tricks to make the most out of the food you buy. Hope this inspires others to cook at home more to save money!

Links

Detailed show notes https://www.missfindependentpod.com/show-notes/season-2-episode-3/

A breakdown of Toronto’s best grocery delivery services https://torontolife.com/food/breakdown-toro...

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November 24, 2020 24 min

Today Gloria is joined by her friends Stephanie and Alexandra. They discuss budgeting habits, how to save money while grocery shopping, and some tips and tricks to make the most out of the food you buy. Hope this inspires others to reduce food waste, price match and shop local!

Links

Detailed show notes https://www.missfindependentpod.com/show-notes/season-2-episode-2/

Steph on Instagram https://instagram.com/stephh_lau

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November 17, 2020 25 min

Welcome to SEASON TWO of MI$$ FINDEPENDENT!! In season one, we learned the basics of how to get our finances in order. In season two, Gloria will be opening the floor, using the podcast as a chill forum to normalize conversations about money.

Today she is joined by her friend Sachiko, who is building a campervan from scratch. They discuss Sachiko’s motivation behind the project, her relationship with money, budgeting for the build,...

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On the seventh episode of MI$$ FINDEPENDENT, Gloria wraps up Season 1. She is joined by her friend Vickie, they discuss emergency funds, avoiding bank fees and short to mid term investing for those financial goals. We will be talking about what an emergency fund is, how to set one up, different types of bank accounts, how to find the right bank account for you, as well as investing for short to medium term and some safe places to p...

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September 22, 2020 24 min

On the sixth episode of MI$$ FINDEPENDENT, Gloria is joined by her friend Lucy, they discuss all these fun acronyms - tax-free savings accounts (TFSAs), registered retirement savings plans (RRSPs) and non-registered accounts - what they are, what their benefits are, what to invest in them, contribution limits and when to use each. One thing I wanted to mention that we didn't talk about is employer-matched retirement savings. If...

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September 11, 2020 22 min

On the fifth episode of MI$$ FINDEPENDENT, Gloria is joined by her friend Albert, they discuss debt and credit scores - different kinds of debt, strategies to pay them off, what a credit score is, how to figure it out and factors that affect your credit score and why it’s important.

Homework
Task 1: If you have debt, create a repayment plan by listing our all of your debt from largest to smallest (sum or interest rate). If you need...

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August 28, 2020 21 min

On the fourth episode of MI$$ FINDEPENDENT, Gloria is joined by her friend Martin, they discuss budgeting - what a budget is, tools to help you budget, our expense tracking in the last month and what we learned from them, the social aspect of saving, habit creation for budgeting, and how to make budgeting not feel so restrictive.

Homework
Task 1: Calculate and categorize your expenses for the last 3 months (or maybe 2019 to get an ...

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