Welcome to Half Banked, the go-to podcast for young Canadians trying to navigate the complex world of personal finance.
Join Cadeem Lalor and Bethan Moorcraft weekly as they ask the big money questions that matter to you.
With fresh insights and relatable stories, we'll empower you to make savvy financial decisions you can bank on.
The decision to become a parent is a big one, and it's important to consider all the factors involved, including the financial ones. Raising a child can be expensive, from education, food, and clothing to surprise costs such as hidden expenses and paying for daycare. There is also social pressure to have children — especially on women — but ultimately, the choice is yours. We dive into the two sides of the big choice: choosing to have children vs choosing not to. Joining us on the Half-Banked...
2 Aug 2023
Do Young Investors Really Have to Risk It for the Biscuit?
Investing is a powerful tool that can help you grow your wealth and achieve financial goals. It can provide opportunities for your money to work for you. However, it’s not as simple as putting money into the market. It’s important to educate yourself about the world of investments and understand your own financial goals and mindset. As a young investor, now is the best time for you to start learning and investing. In this episode, we welcome Parween Mander, founder of WealthyWolfe.ca, to the ...
26 Jul 2023
Personal Finance Gets Personal — A Surprise Q&A with Cadeem Lalor and Bethan Moorcraft
This week on Half Banked, we decided to have a little fun. Or at least the producers did. As we near the end of Season 1, we wanted to take a break from the grind of interviewing experts and dissecting the latest in personal finance news and topics. So we decided to it was our hosts to take a turn in the hot seat. Who are the people behind the voices you hear every week? This week on Half Banked, the show’s producers turn the tables on Bethan and Cadeem to ask them some big money questions...
19 Jul 2023
The Real Costs Of A Wedding in Canada — and How to Handle Them
How much does the average wedding cost? The answer may be higher than you think — and the costs associated with a wedding can be surprising. You might have already budgeted out your wedding, but having the insights of people who’ve been to and planned weddings for several years is invaluable. In this engaging episode we delve deep into the world of organizing and budgeting for significant life events, specifically weddings. We are joined by Amanda Cowley, founder, head planner and designer of...
12 Jul 2023
To Tip Or Not To Tip? A Debate on Tipping Culture in Canada
Episode Summary Tipping culture is a significant part of the restaurant experience — especially in North America. However, tipping isn’t universal — some places charge service fees while others disallow tips entirely. And really, do customers enjoy tipping? Is it an effective and fair wage structure? Let’s find out. In this intriguing episode of Half Banked, we delve into tipping culture. We also look at the burgeoning trend of tip creep, a controversial phenomenon that's causing ripples in...
21 Jun 2023
Not Your Traditional House: Van Living and Tiny Homes
The Next Generation of Homebuying Part 3 The dream of homeownership can seem unattainable, especially with the average one-bedroom apartment rental in Canada costing just over $700 a month and 29% of Canadians resigning to renting forever. Fortunately, today's episode focuses on alternative home-buying strategies, which may be the light at the end of the tunnel for many aspiring home buyers. Tiny homes or van living might be a way out of renting for the rest of your life. On this episode of ...
14 Jun 2023
How To Avoid Being House Poor And Other Homebuyer Horror Stories with Dusko Sremac & Leigh Gate
The Next Generation of Homebuying Part 2 Are you dreaming of buying a home, thinking you finally have enough money to make it happen? Well, hold on a moment! Without proper preparedness and due diligence, you might fall into the trap of becoming “house poor.” It’s all too easy to compromise on essential features or overlook crucial structural issues in the rush to find a home. Don't rely solely on listing prices either–thorough research on the true value of a property is key. In the second e...
7 Jun 2023
Rewriting Real Estate Rules with Asif Kasim and Steve Saretsky
The Next Generation of Homebuying - Part 1 For many, buying a home is a big landmark in their adult life. Your parents and grandparents have built and bought their own houses to settle in and start their families. It's a goal the youth pursue whether they can afford it. Unfortunately, today is vastly different from the experiences of older generations. Buying a home in the Canada housing market[1] today isn't the same as when your parents did. In this three-part series, Half-Banked foc...
31 May 2023
Lifestyle Creep with Cindy Marques
Why is it that our savings stay the same even as our salaries go up? Or that once we’ve hit our dream income, it still feels like we’re living paycheck to paycheck? The answer may be a phenomenon called “lifestyle creep.” On this episode of Half Banked, hosts Cadeem and Bethan sit down with Cindy Marques, financial planner and co-founder of MakeCents, to discuss what lifestyle creep is, why it’s such a problem for young Canadians, and what you can do to avoid falling victim. They also price-c...
24 May 2023
Trauma's Toll On Your Mental Health And Material Wealth
How does your mental health affect your relationship with money? And how does money affect your mental health? From the pandemic to inflation, financial trauma and anxiety is a reality so many Canadians face every day. In this episode of Half Banked, Cadeem and Bethan talk with Alyssa Davies, founder of Mixed Up Money about the hardships and pressures of dealing with finances in your 20s — and the techniques she used to change her relationship with money. We also speak with financial tr...
17 May 2023
Who Should You Trust With Your Money?
How do you deal with your money? Do you juggle multiple accounts and keep a close eye on the stock market, or are you the type to stuff your cash in a shoebox under your bed and avoid looking at your balances? Money needs managing, which is why we spoke with financial planner Shay Steacy of InBalance Financial Planning, who helps Canadians map out their futures. She breaks down the difference between financial advisors and planners and lets hosts Cadeem and Bethan in on the red flags you shou...
10 May 2023
Will They Or Won't They?
Avid collector (read: “little goblin”) Hannah Chafe has an impressive hoard of vintage clothing, antique cookbooks and fantasy swords. What she doesn’t have is a kid or a lot of money, so does she really need a will? In this episode, Lauren Bird and Cadeem Lalor find out it’s never too early to start thinking about your end. Only one of the Half Banked hosts has a will of their own — and as estate lawyer Stephanie Battista explains, that would make all the difference if they suddenly met the ...
3 May 2023
The Bank of Parents
To kick off the first season of Half Banked, we explore a touchy subject for young Canadians: Borrowing money from your parents. Cadeem Lalor and Lauren Bird go straight to the source and ask Cadeem’s mom. Leadership expert, Schulich School of Business professor and host of the UpSkill Talks podcast Michel Shah talks about how she handled teaching Cadeem about money management and lending him cash over the years — and why she eventually had to cut him off. The hosts also talk to financial the...
21 Apr 2023
Introducing: Half Banked
Welcome to Half Banked, hosted by Bethan Moorcraft and Cadeem Lalor. We ask the big money questions that matter to young Canadians. This is a go-to podcast for young Canadians trying navigate the complex world of personal finance. Join us weekly as we ask the big money questions that are important to you. With fresh insights and relatable stories, we'll empower you to make savvy financial decisions you can bank on. Enjoyed this Episode? If you did, subscribe and share it with your fri...
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