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

After some research, I found that money was the #1 source of stress in the U.S and Canada.

It exceeds health-related stress, job stress, and relationship stress. Surveys show that 59% of Americans and 53% of Canadians live paycheck to paycheck. 

Although there are legitimate financial obstacles for many, I believe financial stress can be eliminated with a mix of individual ownership and financial literacy. 

It’s not surprising that money is the #1 source of stress in North America, given the explosive 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
  • Inflation

But at the same time, income per capita has never been higher, and quality information is accessible at low cost.

I BelIEve

Life is hard enough without money stress. Having your money in order can free up your time and energy.

With your newfound capacity, you can better navigate life’s hardships. Once you are strong, you can help those who are not. 

The technical parts of personal finance are 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 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.

About Me

I’m Jake. I write this blog.

I’m a frugal 30-year-old Canadian. I enjoy squeezing the most out of time and money. 

Frugal living frees up my time and energy to write this blog. Plus, it helps me save to invest. 

Fitness is very 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. 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

My educational background, listed in order of relevance to this blog:

  • Experience: I’ve learned about human behaviour over the past five years of leading sections of 60+ people in my day job.  Plus, my own investing mistakes have taught me lessons.
  • Books: Non-fiction books permit a deeper understanding of topics and provide new perspectives on topics that are laced throughout this blog. My favorite books are listed here.
  • Undergrad: Engineering Physics: Influenced my problem-solving approach and independent thought. I learned how core concepts could be applied to numerous unique situations. This is great since personal finance is personal.
  • Candidate – Accredited Financial Counselor Canada (AFCC): An accreditation focused on personal finance basics and financial counselling. I have completed the educational requirements and am finalizing the 1000 experience hours before receiving certification.
  • MBA. Improved understanding of businesses and economics.

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