I have seen preventable money problems hurt career progression,  diminish close relationships, restrict freedom and reduce wellbeing.

Then I discovered that money was the #1 source of stress in the U.S and Canada. Money stress exceeds health-related stress, job stress, and relationship stress. Surveys show that 59% of Americans and 53% of Canadians live paycheck to paycheck.

It’s not surprising that money is the #1 source of stress in North America, given the combustible mix of: 

  • Low financial literacy
  • Strong tailored advertising pressures
  • A culture that measures success based on material wealth. 
  • Amplified comparative pressures due to social media.  

I believe financial literacy is the easiest win that can improve individual wellbeing. 

I BelIEve

Life is hard enough without money and stress. I believe that financial literacy can reduce money stress to free up time and energy (capacity). Your spare capacity can then be devoted to overcome life’s hardships and build a wealthy life. 

The technical parts of personal finance are simple. These are only 15% of the challenge: control expenses, pay down debt, build an emergency fund and invest in low-cost index funds

The remaining 85% boils down to your behavior. This is the hard part. Personal finance is much more than growing net worth. It’s about growing the habits to save and invest in a way that maximizes wellbeing.

We live in the most prosperous times in human history. Income per capita has never been higher, and quality information has never been more accessible.

About Me

I’m Jake. I write this blog.

I’m a frugal 29-year-old Canadian who loves squeezing the most out of time and money.  Frugal living provides simplicity, and that frees up my time to write this blog. In addition, this lifestyle fuels savings that I’ve used to invest in stocks for the past 6 years. 

Fitness is important to me. I’m a powerlifter in the winter and a cyclist in the summer. It is an odd combo, and I love it.

I have a full-time job managing aircraft maintenance. I enjoy learning about human behavior to become a better leader, and these lessons naturally spill over into personal finance.

You won’t find content on my blog that I do not embrace personally. Enjoy.

Education: How It Applies

Here is my educational background, listed in order of relevance to this blog:

  • Experience: I’ve learned about human behavior over the last 5 years of leading people in my day job.  My own investing mistakes have taught me (painful) lessons.
  • Undergrad: Engineering Physics: Influenced my approach to solving problems and gave me a knack for independent thought. I learned how a few core concepts can be applied to an infinite number of unique situations. This is powerful, as personal finance is…. personal.
  • Books: Non-fiction books permit a deeper understanding of topics and provide different perspectives.
  • MBA. Improved understanding of businesses and economics.
  • Accredited Financial Counselor Canada (AFCC) – Ongoing: Helps with coaching, an understanding of human behavior, debit and credit. I don’t hold the AFCC yet – it is in progress.