HeyJaredCalm Money Coach
Money, markets, and mindset with CPA Brian Orlando. Helping Canadians build wealth through financial literacy, tax strategies, and smart investing, while exploring macro trends, business stories, fitness, and mental health. Because real wealth is more than just your portfolio.
- Indexed episodes, last 90 days
- 10
- Latest publication
- Sep 29, 2026
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- Earliest in this view
- Sep 14, 2026
Latest episodes
Can You Retire in Canada on $500,000? (opens the original)
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Can a couple retire in Canada on $500,000? If they spend $120,000 a year, no. This couple spends $60,000. Both 65, $500,000 saved, and CPP and OAS pay them $40,000 a year. So their savings only have to find $20,000 a year until 98. I ran their retirement 20,000 times two ways. Spend a flat $60,000 no matter what, and the money runs out before 98 in about 3 of 10 runs. Follow one rule, checked once a year, and a 35 percent market drop costs them a $2,000 trim. That's a skipped trip. The part I'd
How to Have the Hard Money Conversation With Your Partner (opens the original)
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Someone in my community asked how you actually have the hard money conversation with your partner. So here's a couple who've had the same money fight for 10 years. Takeout, hockey fees, a very expensive air fryer, and still nothing in savings. How the first sentence went, why they were both arguing from something that happened 30 years ago, how they put a number on retirement, and a plan they can live with while the kids are small. Run your own number at calmmoneycoach.com I'm Brian Orlando, CPA
Where Your Down Payment Should Come From First (opens the original)
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FHSA, cash, family money, a regular investment account, RRSP, TFSA, a corporation. Every dollar you pull out has a price tag, and the price is different in every account. The order I'd use, cheapest first: FHSA, topped up, then all of it. No later than 30 days after you get the keys. Cash, but keep 3 to 6 months of expenses. A home needs a cushion. Family money as a real gift, with your parents off title. Small gains and losers in your regular investment account. Home Buyers' Plan before the TFS
Car math simplified, repair or replace, and electric battery data (opens the original)
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New or used, fix or replace, and whether an electric battery is really the risk people think. I ran all 133 cars in my calculator. Ontario, 16,000 km a year, every cost counted, including what the car's worth when you're done. Keep a car about 3 years and used won on every one. Keep it 10 and gas cars and hybrids get close, typically $25 to $35 a month apart. Electrics are the exception. Used won every time, usually by about $120 a month. Fix or replace: divide the repair by the months it keeps
Am I Okay? A Canadian Retirement Plan, Start to Finish (opens the original)
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Am I okay? Where do I draw from? What could break it? What are my moves? And what happens if one of us dies? I took one Canadian couple through my retirement planner, start to finish. Anne's 60 and the breadwinner, Rob's 58, Ontario, both stopping at 63. $1.26 million saved, no work pensions, $85,000 a year to spend. Every figure is in today's dollars. What's in it: The floor and the bridge. CPP and OAS cover about half their spending once both are on. The heavy years are 63 to 66, about $224,00
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