Hi, and welcome to my site! It’s a blog about personal finance and careers, told through the lens of my search for happiness and mindfulness in life. Why those things? Well, because most people view them as a necessarily evil to use in their pursuit of happiness in life… and I think they can be more than that!


So you just got your tax refund from the government. Awesome! Now what? While many people take this and immediately blow it on something they’ll later regret (how many stories have we heard about Peloton bikes collecting dust in the basement?), you’re looking for something better to use it for. Otherwise, you wouldn’t be here reading this, would you? Here are four better things you can do with your tax refund.

Market downturns can be scary when you’re invested in the stock market. Watching your hard-earned nest egg drop in value by a double-digit percent makes many investors’ stomachs drop like they’re headed down the steepest drop on a roller-coaster ride. That feeling can lead to some major money mistakes if you let your emotions rule your money choices, though. Here are four mistakes many investors make when thinking with their hearts, and not their heads, during market downturns.

Brainstorming can be tough, especially for those of us that need to mull things over a bit before putting anything down on paper. There are ways to short-circuit our usual ways of thinking though, techniques that help us get out of our own way and really unleash the creativity within us. Today we’ll be talking through one call 100mph Thinking.

The Canada Pension Plan is a powerful benefits that Canadians get to take advantage of in retirement. As you probably know, you can start receiving CPP payments as early as age 60, or wait until as late as age 70, with 65 being the “normal,” expected age. So when is the best time to start taking CPP? The answer depends on your personal situation, but if any of the following scenarios describes you, the answer might be age 60.

Up until recently, I was that guy who joked around that I got my daily water intake through a combination of coffee and/or beer, depending on the day. I’d always been really, really bad at drinking enough water… that is, until one of my family members started talking about the immediate benefits they saw from drinking 8 cups a day. On his – and my wife’s – insistence, I started doing the same. Here are some of the things I experienced.

If you’re an introvert like me, coffee chats with colleagues you don’t know well (or at all) can be a little stressful. You don’t want to ask canned, generic questions, but at the same time you don’t want to seem like a creeper when you ask about a childhood vacation they took because you saw it on Facebook or whatever. Luckily, there’s a happy medium: generic questions that reveal things about the person. Here are a few great examples.

You’re killing it. You’ve answered all of the questions your interviewer has thrown at you so far. You’ve used the STAR methodology to handle your behavioural questions, you’ve researched the company and know which strengths to speak to, and you’ve spoken eloquently and confidently. Then, the hiring manager asks you one final question at the end of the interview:

“Do you have any questions for me?”


Interest rates have been near historic lows for several years now, as the government has tried to stimulate the economy in the wake of the pandemic. Now that that appears to have worked, though, the Bank of Canada has signaled that it’s going to be raising interest rates several times throughout this year. Here’s what that means for you and your money.