The Canadian Money Roadmap
Invest smarter, master your money, live & give more
Episodes
212 episodes
Accelerate your Savings with this 100 Day Challenge
On this episode, Evan and Sam propose a new savings challenge that will allow people to save over $5,000 in 100 days.
76% of You Still Need a Retirement Plan
On this episode, Evan and Sam analyze the results from their Financial Foundation Scorecard — revealing that while listeners excel at saving, budgeting, and debt management, most lack a written retirement plan and the confidence to know if they...
Giving to your kids without going broke
In this episode, Evan and Sam provide advice about how to help children financially during your retirement. Key point include: make sure you can afford it, communicate clear expectations, specify what the money is for, and consider non-cash way...
Ethical Investing, Portfolio Building, and Financial Red Flags - Answering Listener Questions
In this episode, Sam puts Evan on the hot seat and gets him to answer questions related to ethical investing, building a portfolio, and financial red flags.
A new way to gamble your retirement savings away
On this episode of the Canadian Money Roadmap, Evan and Sam break down what prediction markets are and why Canadians should be cautious now that platforms like Wealthsimple are beginning to offer them.
Navigating the Retirement Red Zone: A Guide for Canadians Approaching Retirement
On this episode, Evan and Sam walk Canadians through the critical financial and lifestyle decisions to make in the 5–10 years before retirement — covering savings milestones, debt payoff, retirement lifestyle planning, asset allocation, and ret...
How much do Canadians need to save for retirement? The Wealthy Barber vs The Rule of 30
In this episode of the Canadian Money Roadmap, Evan and Sam consider how much Canadians need to save for retirement based upon the recommendations in two Canadian finance books The Wealthy Barber and The Rule of 30. They also ...
Are Canadians holding too much cash?
On this episode of the Canadian Money Roadmap, Evan and Sam discuss the implications of Canadians holding more cash. The episode distinguishes between emergency funds, planned spending, and a "sleep at night" buffer, while warning against using...
How to Retire in Canada with $500,000 and no Pension
On this episode, Evan and Sam consider the practicality of retiring in Canada without pension through a case study of Tracy and Derek, who have saved $500,000 at age 50.
How to accelerate your savings during tax season in Canada
On this week's episode, Evan and Sam discuss key reasons to file your taxes, the relationship between taxes and financial planning, and discuss ways to use your tax refund to optimize saving.
How to Balance Family Spending and Retirement in Canada (3 Life Stages)
On this episode of the Canadian Money Roadmap, Evan and Sam discuss how to balance family spending and retirement savings across three life stages — early parenthood, supporting older kids, and legacy/retirement planning.
Can You Retire With $1.7M? Fees, Retirement Income, and Listener Questions
On this episode of the Canadian Money Roadmap, Sam puts Evan in the hot seat and asks questions about market volatility, investment fees, retirement savings, and more.
Markets were down this week - Now what?
In this episode, Evan discusses the value of staying invested during periods of market volatility, specifically the market decline triggered by fighting in the Middle East, explaining that diversified portfolios are still positive year-to-date ...
How to Build a Better Investment Portfolio (Evidence-Based Investing)
On this episode, Evan and Sam discuss why building a "better" investment portfolio requires looking beyond past performance to factors like diversification, fees, and turnover—challenging the oversimplified belief that higher returns automatica...
Is There an AI Bubble in the Stock Market?
In this episode, Evan and Sam explore whether historical patterns and current market data suggest there is an AI Bubble.
Investing Basics Part 5 - Government Pensions and Benefits
In this episode, Evan explains how Canadian government retirement programs (CPP, OAS, and GIS) work, emphasizing their value in retirement planning.
Should you take an RRSP loan?
In this episode, Evan examines the pros and cons of RRSP loans—borrowing money to contribute to your retirement savings. He notes while RRSP loans offer tax deductions and lower interest rates, most people would be better off avoiding the...
RRIF, LIF, and Retirement Income Accounts Explained (Canada) - Investing basics part 4
In this episode, Evan explains how Canadian retirement income accounts—RRIFs, LIFs, and PRIFs—work, covering how to convert accumulation accounts into income-producing accounts, the minimum and maximum withdrawal rules, tax implications, and pr...
Investing Basics Part 3 - Investment Accounts
On this episode, Evan describes the key accumulation accounts available to Canadian and their potential uses for investors.
Gold Rush: Why the Hype, and Should you Invest?
In this episode, Evan and Sam discuss gold's historical performance as a hedge against market downturns, inflation, and economic crises, ultimately concluding that while gold has surged recently, the evidence doesn't support it as a reliable he...
Investing Basics Part 2 - Mutual Funds and ETFs
On this episode, Evan examines mutual funds and ETFs. He notes both mutual funds and ETFs can be useful investment containers for building diversified portfolios, challenges the idea that one is inherently better than the other, while clarifyin...
Investing Basics Part 1 - Stocks and Bonds
On this episode of the Canadian Money Roadmap, Evan describes what stocks and bonds are, why they're essential building blocks of a retirement portfolio, and how diversification and long-term holding periods reduce risk and increase the likelih...
$1M vs $1,000 per week: what would you pick?
This episode analyzes whether a 20-year-old Quebec lottery winner made the right choice by taking $1,000 per week for life instead of a $1 million lump sum.