by Joseph Francis | Aug 20, 2018 | Baby Boomers, Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Estate Planning, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Inheritances, Insurance, Investing, Investment Strategy, Joseph James Francis, Life Insurance, Long Term Investing, Money, Money Coach, Money Mentor, Saving, Saving for a Down Payment, Saving Money, Tax, Tax Effieciency, Taxes, Wealth, Wealth Building, Wealth Mindset, Wealth Planning, Whole Life Insurance, Wills
Monday, August 20, 2018 Leaving it All Behind – Billions Coming from the Boomers If you ask the average millennial they will tell you that the world that is being left behind from the Baby Boomer Generation is far worse than the one Boomers received decades earlier. I... 
by Joseph Francis | Aug 17, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Critical Illness Insurance, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Insurance, Investing, Investment Strategy, Investments, Jobs, Joseph James Francis, Life Insurance, Money, Money Coach, Money Mentor, Net Worth, Pay Yourself First, Retirement, Retirement Planning, Saving, Saving Money, Student Debt, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Friday, August 17, 2018 I’m Debt-Free. Now What? Without trying to sound cheesy, I get super excited when I hear about someone becoming debt-free. The pain, stress, heartache and just sheer lack of fun that debt provides make becoming debt-free pure ecstasy. I... 
by Joseph Francis | Aug 15, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Insurance, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Money Coach, Money Mentor, Net Worth, Registered Retirement Savings Plan, Retirement, Retirement Planning, Saving, Saving Money, Term Life Insurance, TFSA, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning, Whole Life Insurance
Wednesday, August 15, 2018 Your Own 1-Page Financial Plan Financial Planning can be very complex and there is a reason for it. Financial advisors try to make it confusing so we can sound smart. Here is a little heads-up about financial planning: It isn’t that complex!... 
by Joseph Francis | Aug 13, 2018 | Budget Boss, Budgeting, Budgets, Credit, Credit Card Debt, Credit Cards, Debt, Education Savings, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Jobs, Joseph James Francis, Millennials, Minimalism, Money, Money Coach, Money Mentor, Registered Education Savings Plan, RESP, Saving, Saving Money, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, August 13, 2018 The Ultimate Back to School Guide It makes me very sad to say, but we are getting close to that time of year when students across the continent head back to school. You may already see the signs of a fleeting summer at your local shops. While... 
by Joseph Francis | Jul 30, 2018 | Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Government Benefits, Guaranteed Income Supplement, Joseph James Francis, Long Term Investing, Money, Money Coach, Money Mentor, Old Age Security, Registered Retirement Savings Plan, Retirement, Retirement Planning, Saving Money, Tax-Free Savings Account, TFSA, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, July 30, 2018 Will the Government Take Care of Us in Retirement? Depending on who you ask, here in Canada we either have a good public retirement fund or it doesn’t even exist at all. This variance in response shows the lack of knowledge about the subject. I... 
by Joseph Francis | Jul 23, 2018 | Bank Fees, Bankruptcy, Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Investing, Joseph James Francis, Lines of Credit, Money, Money Coach, Money Mentor, Saving, Saving Money, Student Debt, Student Loan, Student Loan Debt, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, July 23, 2018 Are You Addicted to Debt? Debt is a big business. The average Canadian household has over 20K in consumer debt. That doesn’t include mortgages, where the number owed by Canadians is over 2.1 Trillion dollars. Kind of scary isn’t it. The question,... 