I Have So Much to Tell You

About I Have So Much to Tell You

What actually happens with money, career, and life behind the scenes. Hosted by CPA Stefanie Ricchio, a go-to financial expert featured on TurboTax, Yahoo Finance, and The Globe and Mail. From navigating financial uncertainty and life as a stay-at-home mom to becoming a trusted advisor to business owners, Stefanie shares honest stories, client insights, and the real conversations no one prepares you for. Because the decisions you make with money do not just impact your finances, they shape your career, relationships, and the life you build.

Publisher

Stefanie Ricchio CPA

Category

business

Language

en

Explicit

No

First episode

4 Apr 2026

Latest episode

1 Oct 2026

Latest episodes

19 episodes in the feed.

1. 

   1 Oct 2026

   I Have So Much to Tell You...About True Inclusivity

   This one isn't about money. It's about why I do this work at all. If you've followed my disability tax credit and caregiving advocacy, you know the financial side of the story. What I've never shared is what it was actually like to get there. In this episode, I tell it all, including the parts I've kept private for years because they still hurt. It starts with my son being rushed from the NICU to SickKids at a day old, and a transport nurse telling me to say goodbye "just in case." From there: moderate hearing loss nobody caught until he was three, an ADHD diagnosis the same year, a daycare that told me he'd probably never read, write, or finish high school, and a school board meeting where I offered to quit my job and sit in his kindergarten class every day if that's what it took. I also talk about the adults who made it harder. The parent who told her child to hit mine. The father who told a four-year-old he'd kill him. The birthday party that got him quietly uninvited from every party after it. And the brain-training program that changed everything. Today he's 17, on the honour roll, surrounded by friends, and applying to university. He doesn't remember any of it, and I'm so grateful for that. We also talk about what real inclusion looks like at work. It's not a banner and cupcakes. It's building a workplace where people who think, learn, and behave differently can actually build a career and their own financial security. If you're a parent in the thick of a diagnosis, this is for you. And if you're not, it's a reminder that everyone around you is carrying something you can't see. Be kind anyway. Content note: this episode discusses a newborn medical emergency and threats made against a young child.

2. 

   25 Sept 2026

   I Have So Much to Tell You About Why It's OK to be Human at Work

   Somewhere after 2020, we lost the plot on what work is supposed to look like. In this deeply personal episode, Stefanie makes a case she feels in her bones: the idea that you can show up wearing only your "employee hat" was never real. You're a whole human, and every part of your life walks through the door with you — the sick parent, the school drop-off, the 2 p.m. phone call you can't ignore. She shares two of the hardest moments of her corporate career — the days she walked into the building already breaking — and the boss whose door was open, physically and otherwise, who held out his hands instead of pointing her to HR. That grace, she argues, isn't a soft perk. It's the whole strategy. (It's also a story she's only half-telling here — the rest is coming in the season finale.) From the sandwich-generation squeeze to the big-name job she turned down this year — four days in office, with a wink toward five — Stefanie lays out why rigid, low-trust workplaces quietly bleed their best people, and why "measuring attendance like we're in grade four" is a management problem wearing a productivity costume. Said with love by someone who's run her whole business from her kitchen table for eight years: the work still gets done. Then she stops diagnosing and starts prescribing — because this is a leadership, policy, and structural problem, and it gets solved top-down. In this episode, we get into: -The caregiving load nobody's staffing for — young kids and aging parents, at the same time -Productivity paranoia, RTO mandates, and why the "trust issue" is really a measurement issue -The concrete fixes for leaders and HR: flexible leave, flexibility as the default, paid care time, and a "don't punish honesty" request path -The four-to-five hours of real deep work hiding inside every eight-hour day -Why disgruntled, unsupported people quietly cost you more than the flexibility ever would And a closing line for anyone still convinced that grace at work is nonsense — one you'll feel in your chest.

3. 

   18 Sept 2026

   I Have So Much to Tell You About Why It Was Never the Software

   I've watched companies spend a small fortune on beautiful new finance systems — and six months later, half the team is still living in spreadsheets and email threads. Why does that keep happening? This week I sat down with Paul Dear, VP of Travel EMEA at SAP Concur, to answer the question that's followed me from my years inside implementations to my work leading them now: when a rollout fails, is it ever really the software? Spoiler — it almost never is. We get into the three things that actually decide whether an implementation sticks (people, process, and change management), why finance teams feel the shift harder than anyone, and the North Star every leader should define before touching a single system. Paul also shared a stat that stopped me cold: of the 700 CFOs SAP surveyed, 600 believe their own employees are using AI to generate receipts — not always to defraud, sometimes just because they lost one and the tech made it easy. If you've ever been handed a login and a manual and called that "training," this one's for you.

4. 

   11 Sept 2026

   I Have So Much to Tell You About Building Your Brand

   I never set out to build a "personal brand." I set out to build a business — and eight years ago, someone told me I'd never pull it off because I had no network, no name, and as far as the world was concerned, I didn't exist. The worst part? They were right. In this episode, I take you all the way back to zero and walk you through exactly how I went from a corporate CPA no one had heard of to doing the work I get to do today: on television and radio, on stages like SXSW and Web Summit, in digital publications, and in partnership with global brands. Whether you're a career professional trying to stand out in an impossibly competitive market or a business owner fighting for attention, this one's for you. Because technical skill is table stakes now — everyone chasing that job, that RFP, those dollars is already "good enough." What sets you apart is the plus, the answer to "why you?" — and that answer lives online, where every hiring manager, client, and collaborator goes to look you up before they ever say yes. I'm not holding anything back. I'll tell you about: The comment that broke my heart — and lit the fire Why I chose LinkedIn over Instagram, and the $26,000 lesson I learned about taking the wrong advice How to get comfortable with visibility when putting yourself out there feels terrifying Why consistency beats going viral, especially in those slow, silent early years Building social proof, and the branding investment that gave me the story I still use to close deals today The wild things that have landed in my inbox — from interviewing Kevin O'Leary to PR pitches for Blake Lively and Bethenny Frankel to conversations with Amazon and Disney And the two 2026 moments that reminded me why I never stopped: a senior leadership offer from an $18B company, and a five-figure partnership with a $40B global tech company that found me, a CPA in Ontario, on LinkedIn Here's the truth I keep coming back to: I'm not the best CPA, consultant, or speaker in the world. But I built the total package — the profile, the proof, the story — and people aren't looking for the best. They're looking for the person who can pull it all together. Your homework: figure out where your audience lives, get comfortable being seen, and define what success actually looks like for you. Then sit through the uncomfortable part — because that's where it all starts to click. The internet is your portfolio. Let's build it.

5. 

   4 Sept 2026

   I Have So Much to Tell You About What Hating Myself Cost Me

   Trigger warning: this episode discusses bullying and eating disorders. This one's a message. To the parents — because what you decide is "perfect" becomes the voice your kid carries for decades. To the bullies — you have no idea how long a person keeps the thing you said. To the people who can't bring themselves to validate anyone — your silence isn't neutral. It leaves a mark. And to the world that profits from us hating ourselves — I see the game now. If every one of us woke up tomorrow at peace with our faces, our bodies, our grey hairs, an entire industry would collapse overnight. The point was never that you look bad. The point is that you spend. I spent a long time believing I was the problem. I wasn't. At 46, I'm perfectly imperfect and finally at peace with that — and this is the conversation I wish someone had started with me a lot sooner. If you or someone you love is struggling with an eating disorder, support is free and confidential. In Canada: NEDIC (National Eating Disorder Information Centre), 1-866-633-4220 or nedic.ca. In the US: the National Alliance for Eating Disorders, 866-662-1235 or allianceforeatingdisorders.com.

6. 

   28 Aug 2026

   I Have So Much to Tell Your About the Future of Work

   I can't tell my kids which jobs are going to be safe. I don't think anyone can anymore. So I'm teaching them something else instead. This one's personal. I've got one kid finishing high school and one starting first year — one headed into brain research, the other into accounting (my field, and yes, the one that lands on every "jobs AI will replace" list). So I sat down and got honest about what I actually want them to understand about automation, AI, and the careers in front of them. I get into the messy middle of it: how I watched automation reshape accounting in real time and rebuilt my whole career around the parts a machine can't do; why the linear, one-job-for-forty-years path our parents sold us is basically over, and why "portfolio careers" are the new normal; what I see every single day in my consulting work when leadership asks me who's adapting and who's getting left behind — and how to make sure it's not you; the one question to ask yourself if you're worried about being automated out of a role; and the little trait-spotting exercise I quietly run on my own kids, because half the stuff you got in trouble for growing up might just be your next career. Here's the whole episode in a sentence: I can't promise my kids a safe job. But I can teach them how to be the person who's safe in any job. That's the homework — for them, and maybe for you too.

7. 

   21 Aug 2026

   I Have So Much to Tell You About What is Enough

   …Enough. Let's talk about it. I gave up years of my career to motherhood, came back, and built a consulting business that actually worked — and then almost worked myself into the ground protecting it. I'm talking waking up at dawn to get billable hours in on a family vacation in Hawaii, dreading every single morning, watching my whole world shrink down to the size of my laptop. I'd bought the hustle-culture script completely: if you're not doing all the things, it's never enough. This episode is about the day I finally called that off — and the question I've been living with ever since: how much is actually enough? Not more. Not "burn it all down and live a soft life." Enough. And here's what I know as an accountant — enough isn't a feeling you sit around waiting to arrive. It's a number and a boundary you set on purpose. I get honest about how I defined my own enough (and why it looks nothing like the sellable, scaled-up firm everyone kept telling me I should build), the two scripts the internet won't stop selling us — "never enough" versus the soft-life counter-swing — and why neither one answers the only question that matters. Then we get practical: the satisfaction equation, the five types of wealth, and the real work — naming your enough number, drawing the boundaries that protect it, and pricing the true cost of the chase. Because the point was never to keep shoving the ceiling higher for no reason. It's to build a life the future you actually gets to enjoy.

8. 

   14 Aug 2026

   I Have So Much to Tell You About Being a Stay at Home Mom

   I was a stay-at-home mom. I'd do it again. But I'm still going to tell you everything nobody warned me about. In this one, we'll start with the "tradwife" moment blowing up online — the influencer who sold a fantasy she wasn't actually living — and my own real story: staying home for my son's development, and quietly refusing to become financially invisible while I did. In this episode: Why I was forced into staying home — and why it was still the best time of my life The "tradwife" persona problem, and why 90% of what you're watching is a business Protecting your resume: the career gap, why it's judged harder for women, and how part-time work bridges it Financial independence as a safety net — not just for divorce, but for widowhood and a partner who can't earn The $200K of unpaid labour, retirement contributions, and the CPP box Canadian parents forget to tick The identity crash nobody talks about: who are you when they don't need you the same way? "You were someone before you had those children. You will be someone after." If it resonates, send it to someone who needs it — and start the conversation your future self will thank you for.

9. 

   7 Aug 2026

   I Have So Much to Tell You… About Unsupportive Partners (and How They Quietly Torch Your Career)

   Sit me at a table with a man who says "she gave up her career, and now I have to pay support to take care of her" and watch my blood boil in real time. Because I've got questions. Were you there for the morning school runs? The late nights? Did you clear a single obstacle for her the way she cleared every one of them for you? No? Then shut your mouth. She didn't give up. She got left behind — and there's a difference I will die on this hill defending. This is the episode where I say the things I usually keep to myself. I spent seven years as a stay-at-home mom while being the higher earner — a CPA in the making, out-earning my husband, with the bigger ceiling — and mine was still the career we sacrificed, because of gender roles nobody in that house ever agreed to out loud. I lost years. I lost hundreds of thousands of dollars. And Harvard has the receipts: they studied 25,000 people and found the thing quietly torching women's careers wasn't the kids — it was the husbands. I also tell you about the Canadian food celebrity I interviewed who was so insufferable — "my wife, my wife, my wife" while she was clearly the entire foundation and he was the showpiece — that I refused to publish the piece. You'll know the type. And because I'm an accountant, not a fairy godmother, I don't stop at the rage. I tell you how to renegotiate the social contract you never signed, why resentment ends relationships before anything else does, and the truth I rebuilt my whole life on: the most powerful thing in the world is no longer needing anyone. I started over in my late thirties. Best eight years of my life. It's not too late for you. Bring your rage. We're mapping our way out of it.

10. 

    30 Jul 2026

    I Have So Much to Tell You About Bad Bosses

    It's 2026. So why are so many bosses still running their teams like it's 1985? In this episode, I'm pulling back the curtain on what I've actually witnessed spending eight years moving in and out of companies — from $30 million shops to $2 billion giants. The yelling at the coffee station. The cameras that don't just watch you, they listen. The "approved" vacations interrupted by a boss who didn't check the calendar. The unpaid overtime dressed up as a "learning opportunity." The bathroom breaks — yes, bathroom breaks — being tracked at someone's desk. I'll tell you about the micromanager I escaped by whispering four words to my old boss at his promotion party. The $18-billion-dollar VP offer I turned down (the math didn't math). And the woman I worked with who was quietly forced to choose between her job and her dying parent — and what that says about all of us. Here's the thing: a title is just a position on an org chart. Being a boss and being a leader are not the same thing — and the difference shows up in the behavior every single time. Whether you've got a bad boss, you are a boss who's willing to look in the mirror, or you're stuck deciding whether to stay or go — this one's for you. Because I'm not going to tell you to manifest a better situation. I'm an accountant. I'm going to tell you to map it. Employee morale belongs on the balance sheet. Let's talk about why. 🎧 Beyond the Numbers — my book on seeing your true value and leading from where you are — comes up in this one. If the episode hits, the book goes deeper.

11. 

    24 Jul 2026

    I Have So Much to Tell You About Negotiating Your Way to the Top

    Stop Saying "Whatever Works For You" — A Negotiation Intervention Real talk: if your negotiation strategy is smiling politely and hoping they offer you enough, we need to talk. Like, this week. Here's the thing nobody tells you: negotiating isn't a personality trait. It's not a gene some people got and some people didn't. It's a skill — which means it can be objectively, unglamorously practiced. But first, let's talk numbers, because I'm an accountant and numbers are how I flirt. Skipping one negotiation — just one — can cost you upwards of $1.5 million over a career. Not because you're bad at your job. Because compensation compounds, and every dollar you don't ask for at the start is a dollar missing from every raise stacked on top of it after. That's not a rounding error. That's a house. A retirement. A "what happens to me if something happens to you" kind of number. So this episode is part pep talk, part boot camp: The exact phrase swap that turns you from "asking for a favour" into "leading the conversation" (spoiler: it's questions, not demands) How to build your backup — your fancy-sounding backup plan that makes you instantly harder to say no to Why practicing on something tiny and dumb makes the big scary ask so much easier The two words — "yes, and" — that could change how every negotiation in your life goes from here on out I'm not here to hype you up with vibes. I'm here to hand you the script and the spreadsheet. Confidence is nice. Preparation pays better. Let's get into it.

12. 

    10 Jul 2026

    I Have So Much to Tell You About Career Pivots

    Stuck in a career that looks fine on paper and feels like nothing? I've been there — twenty years in, title intact, joy gone. Seven years ago I was unemployed. This episode is the story of what I rebuilt, and exactly how. In the first half, I'm telling you the version of my story I don't share on stages — the day I admitted corporate accounting had no more joy left for me, the fear of walking away from two decades of work, and the question that haunted me: was it all a waste? (Spoiler: it wasn't. It was inventory.) Then I hand you the blueprint. The exact framework from my free guide, Shaping Your Professional Path: ✨ The 4 foundations that reveal your unique strengths — passion, talent, skills, values ✨ The Career Storyboard: the mind-mapping tool behind every major move I've made ✨ How to spot the intersections where your most unique opportunities are hiding ✨ The one question that makes every career decision easier You don't need luck. You need a map. 🔗 Take the free 2-minute Career Pivot Quiz + download the guide: https://www.stefaniericchio.com/careerquiz💬 Built your Storyboard? Tag me — I want to see it.

13. 

    3 Jul 2026

    I Have So Much to Tell You About Toxic Coworkers...and Why We Keep Them

    We've all had one. The coworker who makes Sunday nights feel sick. The one everybody dreads, who somehow never goes anywhere. But this episode isn't really about them. It's about the better question no one asks: why do companies let it happen? After a few real-life horror stories (yes, I went there), I get into the uncomfortable truth: leadership almost always has its reasons for looking the other way. Some sound perfectly practical, "they hold all the keys," "we don't have time to rehire." Some come down to a manager who just won't have the hard conversation. And then there's the reason nobody says out loud, the one that quietly keeps the wrong people in place far longer than they should be. I'll walk you through all of it. Then we get honest about what actually works, how this plays out differently in a giant corporation versus a small family business, what to do whether you're the boss or the one just surviving it, and how to tell the difference between a fight worth having and one that's futile. Because sometimes the most powerful move isn't staying. It's the door. Hit follow so you never miss an episode and share this with the coworker who needs to hear it. 🎧

14. 

    26 Jun 2026

    I Have So Much to Tell You About Being Yourself w/Bethenny Frankel

    She built the fastest-growing liquor brand in history, sold it, and never looked back. This week, Bethenny Frankel tells me how she really thinks about money. You know her name. But in this conversation, I wanted to get past the name and into the mind — because Bethenny Frankel is one of the sharpest businesswomen and investors out there, and the way she thinks about risk, money, and betting on herself is something every woman needs to hear. We get into all of it: why she "almost never" invests her own money, how she decides what's worth her time, when to take the deal and walk away from your own baby, and the one question she asks before she puts a single dollar into anything. Plus the mindset I can't stop thinking about — that being careful and being bold aren't opposites. They're the same skill. Whether you're building a business, eyeing your first investment, or you just want to borrow a little of her nerve, this one will change how you talk to yourself about money. Come get into it with me. 🎧 In this episode: Why protecting your downside matters more than chasing the upside Knowing what you know — and getting help with what you don't When to stop falling in love with your own ideas The "flip or forever home" question for every money decision How to build the foundation that lets you eventually play with the house's money

15. 

    19 Jun 2026

    I Have So Much to Tell You | Kevin O'Leary

    When the FTX crypto empire collapsed in one of the largest financial frauds in history, I sat down with Kevin O'Leary to make sense of it while the dust was still settling. Now the verdict is in. The founder is serving 25 years, customers are finally getting paid back, and the whole saga has a twist nobody saw coming. But here's the part that keeps me up at night: swap the word "crypto" for "AI," and this exact story is unfolding all over again right now. Same brilliant founders. Same "move fast, the rules will catch up later." Same dangerous belief that ethics and oversight are just speed bumps on the road to the future. In this episode, I'll set the scene on what FTX actually was, play you my original conversation with Kevin, tell you how it all resolved in the courts and for investors, and make the case for why this was never really a crypto story at all, it's a warning about the technology reshaping your life today. Because the people building the future move fast. You don't have to hand them your trust at the same speed.

16. 

    12 Jun 2026

    I Have So Much to Tell You About Success & Friendship

    Two years into my business, I'd doubled my growth and built brand partnerships I used to only dream about. And you know what happened? Nothing. No call. No card. No one sent flowers. In this episode, I'm telling you the story I usually keep to myself, what it actually felt like to hit the milestones and look up to find the people I loved most had gone quiet. If you've ever poured everything into something and felt invisible to the people closest to you, this one's for you. But this isn't an episode about hurt feelings. It's about what I figured out on the other side of them. We get into why friends and family so often go silent when you build something (spoiler: it's almost never about you), and then I walk you through the three things to focus on instead that actually work. We'll talk reputation, finding your real people, and why waiting for applause might be quietly draining the very drive that got you started. By the end, you'll stop counting who noticed and start buying your own flowers. In this episode: Why the people who love you most often can't see what you're building The reputation move that matters more than any cheerleader What the data on entrepreneurial loneliness should tell every founder The motivation science behind validating yourself (and why chasing applause backfires) Your homework: three things to do this week Press play. I have so much to tell you.

17. 

    28 May 2026

    I Have So Much to Tell You About Love & Money

    What happens to you if something happens to the person you love? In this episode, we're talking love and money — the conversations couples avoid, the documents that protect you, and why being financially prepared is one of the most loving things you can do. Real talk, practical tools, and a checklist you can actually use.

18. 

    22 May 2026

    I Have So Much to Tell You About Financial Empowerment

    If you've ever felt anxious about money, avoided looking at your accounts, or wondered why earning more still doesn't feel like enough — this episode is for you. Stefanie Ricchio, CPA and financial strategist, opens up about her own journey from debt at 18 to financial independence — and what she's learned from years of helping women move from money stress to money clarity. This isn't a budgeting episode. It's about the emotional side of money that nobody ever taught you. The beliefs you absorbed growing up. The patterns that follow you no matter how much you earn. And the one shift that actually changes everything. Money is not just math. It's behaviour. And once you understand that — everything is different.

19. 

    4 Apr 2026

    I Have So Much to Tell You About Starting Over | Stefanie Ricchio

    This episode is my story. Before the career, before the credentials, before the confidence, there was a period of my life where I was trying to figure out who I was, what I was capable of, and how I was going to build a life that felt secure and independent. In this first episode, I’m sharing the real story behind how I went from being a stay-at-home mom navigating financial uncertainty to becoming a CPA, a trusted advisor to business owners, and a go-to financial expert. This episode is about starting over, making decisions when you’re not sure what the outcome will be, and how money, career, and life are always more connected than we think. If you’re in a season of change, trying to rebuild, or just wondering what’s next for you, this episode is for you. In this session we talk about why we fear change, starting over and career transitions.

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