by Joseph Francis | Jun 3, 2019 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Debt Consolidation, 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, Insurability, Insurance, Joseph James Francis, Money, Money Coach, Money Mentor, Registered Retirement Savings Plan, Retirement, Retirement Planning, RRSP, Saving, Saving Money, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, June 3, 2019 My Take on Financial Independence It seems like such a lofty term. Financial Independence. What does that even mean? You could ask 5 people and get 5 different answers. One definition is “Financial independence means you have enough wealth to live... 
by Joseph Francis | May 28, 2019 | Budget Boss, Budgeting, Budgets, Cash Flow, Emergency Funds, Emergency Savings, ETF's, Exchange Traded Funds, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Goals Based Investing, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Money Coach, Money Mentor, Pay Yourself First, Registered Retirement Savings Plan, Retirement, Retirement Planning, RRSP, RRSP versus TFSA, Saving, Tax-Free Savings Account, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Tuesday, May 28, 2019 Investing is About Goals, Not Performance Most of my clients have no clue about how the stock market works. Stocks, bonds, ETF’s, Index Funds, Bitcoin, Marijuana, it’s all just a bunch of noise. I personally follow the markets closely and have... 
by Joseph Francis | May 20, 2019 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Debt Consolidation, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Inheritances, Investing, Investment Strategy, Joseph James Francis, Money, Money Coach, Money Mentor, Mortgages, Registered Retirement Savings Plan, Retirement, Retirement Planning, RRSP, RRSP versus TFSA, Saving, Saving Money, Tax Effieciency, Tax-Free Savings Account, TFSA, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Tuesday, May 21, 2019 5 Examples of How The Bank Doesn’t Care About You It’s time to dish folks. I have had about enough and now the beans shall be spilled. The cat will come out of the bag. It’s time to talk about banks and how terrible they are. None of us really... 
by Joseph Francis | Mar 18, 2019 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Debt Consolidation, 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, Insurability, Insurance, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Money Coach, Money Mentor, Mortgage Planning, Mortgage Rates, Mortgages, Retirement, Retirement Planning, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, March 18, 2019 10 Terrible Pieces of Financial Advice I recently posted a question to my followers and asked them to name the worst financial advice they ever received. It was like a tornado of responses over the next few days. Over 1,000 people gave an answer... 
by Joseph Francis | Mar 4, 2019 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Investing, Investment Strategy, Jobs, Joseph James Francis, Minimalism, Money, Money Coach, Retirement, Retirement Planning, Saving, Saving for a Down Payment, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, March 4, 2019 Eliminating Your Money Depression Overcoming depression is tough. I don’t begin to claim I have the answers for that, not even one bit. Having gone through it myself, I know how it can be. Money is a huge factor in people’s mental state. With an... 
by Joseph Francis | Feb 26, 2019 | Budget Boss, Budgeting, Budgets, Cash Flow, Dave Ramsey, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Government Benefits, Investing, Investment Strategy, Investments, Joseph James Francis, Life Insurance, Money, Money Coach, Money Mentor, Mortgage Planning, Mortgages, Old Age Security, Registered Retirement Savings Plan, Retirement, Retirement Planning, RRSP, RRSP versus TFSA, Saving, Saving Money, Tax Effieciency, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning, Whole Life Insurance
Tuesday, February 26, 2019 Your Retirement Checklist, at Any Age As we near the end of February, we inch closer to the deadline for RRSP contributions for the 2018 tax year. This time of year springs many into gear, thinking about the future and retirement planning.... 