Real numbers. Real strategies. No fluff.
Personal finance for physios, doctors, dentists, and every clinician who lost their 20s to grad school. Written by a practicing physiotherapist + Certified Financial Counsellor — no commissions, no products to sell, no whole-life pitches.
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The Double-Edged Sword of Clinical Success: Why Your Systems Are Your Only Exit Strategy
Most clinic owners pay themselves with whatever "scraps" are left in the bank account at the end of the month. That isn’t a business, it’s a high-stress job you can’t quit. In this post, I’m breaking down the "Clinical Trap" and explaining why your systems, specifically Jane, are the only real exit strategy. Whether you're a solo practitioner or scaling a team, learn how to stop "manual-ing" your way to burnout and start building a scalable asset that respects your Return on Time (ROT).
TFSA vs. RRSP vs. FHSA: Choosing the Best Investment Account (Plus U.S. Equivalents!)
Confused about TFSA, RRSP, and FHSA? Learn how they compare to U.S. investment accounts like Roth IRAs, 401(k)s, and HSAs. Find out which is best for your financial goals.
The 2026 Guide to CPP vs. Social Security: Will It Be There When You Retire?
We compare the solvency of the Canada Pension Plan (CPP) vs. US Social Security for 2026. Discover average monthly payouts, death benefit rules, and whether you should rely on government pensions for retirement.
My fourth year running an Airbnb
Have you ever wondered about renting out a bedroom and bathroom of your house for short term rentals? That’s what I did in 2022. My platform of choice is Airbnb, learn how I became a super host and house hacked my way to living close to mortgage free. Check out my 2025 Year in Review
How I plan to retire at age 40
Retirement isn't an age; it's a financial position. Learn how to define your "enough" and reverse-engineer your path to a life of choice, not need.
Travel Hacking Europe: Our Business Class Adventure on a Budget
See our real Europe travel budget, including how points covered over C$20,000 in flights & hotels! Learn how to optimize credit cards for travel and everyday rewards.
Return on Time: The Most Crucial Financial Metric.
In the world of finance and investment, metrics like return on investment (ROI), net present value (NPV), and internal rate of return (IRR) have long been the gold standards for evaluating the profitability of investments. These may be beyond the scope of the average investor let alone a beginner. While these metrics undoubtedly provide valuable insights, there's a game-changer that often gets overlooked: return on time.
2025 Mid Year Portfolio In Review
Financial Transparency = Financial Literacy. Why are we so afraid about talking about our financial success and failures? Take a look at how 2025 has treated my portfolio so far.
Mistakes to Avoid When Hiring a Financial Advisor
Hiring a financial advisor can be a stressful and intimidating process but it doesn’t have to be. Remember to take your time in the hiring process, ask for clarification when needed, and trust your instincts when making the final decision. A strong client-advisor relationship can significantly impact your financial success.
Don't Leave Your Loved Ones in the Dark: The Ultimate Guide to Getting Your Financial House in Order
This guide is your one-stop shop for getting your financial ducks in a row. We'll cover everything from wills and insurance to investments and digital assets, so you can rest easy knowing your loved ones are protected.
Financial Fitness Check-Up: Start 2025 on the Right Foot
New year, new you, new financial goals! It's time to kick off the year with a financial checkup that'll make your bank account sing! This checklist is your roadmap to financial success in the new year. We'll cover everything from budgeting and saving to investing and insurance, making sure you're set up to crush your goals and live the life you deserve.
Riding the Roller Coaster: Managing Unpredictable Income in Private Practice
Struggling with unpredictable income in private practice? Discover actionable budgeting tips, strategies for building financial stability, and the importance of Return on Time (ROT). Learn how to handle income fluctuations, create a safety net, and make informed financial decisions.
Leasing vs. Owning a Vehicle for Healthcare Professionals
Whether you’re commuting between clinics or driving to patient homes, your car is an essential tool. For healthcare professionals, the decision to lease or own has unique considerations.
How a Strong U.S. Dollar Impacts Your Portfolio
When the U.S. dollar strengthens against other currencies, its effects reach portfolios across the globe. For Canadians, this could mean changes in the value of U.S. stocks within a portfolio, while American investors may see impacts on global purchasing power and the performance of multinational companies.
Reevaluating Debt Repayment Strategies Amid Interest Rate Changes
Interest rates are still significantly higher than in recent years, which impacts how we should be thinking about debt repayment. For many, especially health professionals juggling both personal and business debt, this high-interest climate demands a serious rethink on how we approach debt.
Preparing for a Possible Economic Recession: A Guide to Financial Resilience
As economic indicators begin to suggest the possibility of a looming recession, it’s more important than ever to prepare your finances for potential turbulence ahead. While the stock market hits all-time highs, Bitcoin soars, and the Federal Reserve cuts rates, there’s a widespread feeling of optimism in the air.
Inflation-Proofing Your Finances: A Healthcare Professional’s Guide
The rising cost of goods and services impacts everyone, but for healthcare professionals—whether employed or self-employed—it presents unique challenges. Inflation erodes the purchasing power of your money, making it essential to implement strategies that not only protect but also grow your finances in this volatile environment
How Inflation is Eroding Your Wealth
Your savings account pays you 0.5% but the inflation rate is 5%, so your real rate of return is -4.5%, and you're wondering why you can't get ahead?
ETFs Explained: A Guide for Healthcare Professionals
ETFs are investment funds that trade on stock exchanges, similar to individual stocks. They hold a collection of assets such as stocks, bonds, or commodities, and aim to track the performance of a specific index or sector. The key feature of ETFs is that they combine the diversification of mutual funds with the tradability of stocks.
5 Insurance Must-Haves for Health Professionals
As healthcare professionals, we understand the importance of thorough planning and assessment in our work. Just as we diagnose and treat our patients, we must also diagnose and protect our financial health. In this article, we'll explore how health insurance, life insurance, disability insurance, auto insurance, and homeowners/renters insurance can benefit us, using real-life examples from both Canada and the US to illustrate the importance of each type of coverage.