Money Questions

About Money Questions

Are money worries keeping you up at night? You’re not alone. Join Matt, a finance expert with over 20 years of experience, and Nate, a self-employed financial planner with 15 years in the industry, as they help you take control of your financial future. From financial literacy basics to practical tips for building wealth and avoiding common pitfalls, Matt and Nate bring clarity, empowerment, and a healthy perspective to your personal finances. Whether you're looking to reduce stress, improve your money habits, or simply get answers to your financial questions, this podcast is your go-to guide for navigating the complexities of money management. Tune in to Money Questions—where knowledge is power, and financial freedom starts with a single step.

Publisher

Evangeline Wealth Management

Category

business · society & culture

Language

en

Explicit

No

First episode

26 Nov 2024

Latest episode

30 Sept 2026

Latest episodes

15 episodes in the feed.

1. 

   30 Sept 2026

   The RESP Survival Guide

   How does a Registered Education Savings Plan (RESP) work, and how can Canadian families make the most of it? In this episode of Money Questions, Matthew McGowan and Nathan England share an RESP survival guide, from saving for rising post-secondary costs to understanding government education grants and the Canada Learning Bond. They discuss RESP contribution strategies, including monthly contributions and lump-sum investing; how to choose investments as a child gets closer to school; and what families should know when withdrawing money. Learn the difference between Educational Assistance Payments (EAPs) and Post-Secondary Education (PSE) contributions, why proof of enrollment matters, and how to avoid common RESP withdrawal mistakes. The conversation also covers group RESP providers, unused RESP funds, sibling transfers, transferring eligible funds to an RRSP or Registered Disability Savings Plan (RDSP), and what can happen when RESP money is withdrawn for non-educational purposes. A practical conversation about RESPs in Canada, education savings, government grants, taxes, investment timelines, and planning for a child’s post-secondary education. 00:00 Money Questions 00:44 The RESP survival guide 04:32 RESP basics and government grants 07:13 Canada Learning Bond 10:34 Catch-up contributions 12:13 Group RESP providers 14:09 Lump-sum or monthly contributions? 19:55 The RESP investment timeline 23:47 Withdrawing RESP funds 25:35 EAPs, PSE contributions, and withdrawal limits 26:32 Proof of enrollment 29:00 A common RESP withdrawal mistake 30:05 What happens to leftover RESP funds? 33:20 Withdrawals for non-educational purposes 34:38 What can you invest in through an RESP? 35:37 RESP funds and disability planning 38:12 Investing in yourself To learn more, visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice in the context of your particular circumstances. This presentation was prepared by Matthew McGowan and Nathan England, CFP, for the benefit of Matthew McGowan and Nathan England, CFP, Mutual Fund Representatives with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. Please read the Fund Fact Sheet or prospectus before investing. Mutual funds are not guaranteed; their values change frequently, and past performance may not be repeated.

2. 

   28 Aug 2026

   Trillions

   In this episode of Money Questions, Matt and Nate zoom out from day‑to‑day dollars and cents to tackle a deceptively simple question: what is a trillion, really? Triggered by news of SpaceX going public and headlines about trillion‑dollar companies (and even a trillionaire on paper), they explore why our brains are so bad at grasping huge numbers — and why that matters for your investments, your savings habits, and your sense of time. Using vivid analogies — from stacking $100 bills into space to counting your life in weeks — they connect “trillions” back to real human timelines: careers, mortgages, raising kids, and retirement. Along the way, they dig into the Rule of 72, the snowball effect of compounding, and what today’s concentration of mega‑cap tech companies inside the S&P 500 means for anyone who thinks they’re “diversified” with a single index fund. This is a summer‑friendly, story‑driven episode about big numbers, big companies, and the surprisingly small handful of decisions that drive long‑term wealth. They dig into: Why trillions feel unreal. Life in weeks & mortality: The “life in weeks” poster, how seeing your life as a finite grid changes how you think about time and money. The rise of trillion‑dollar companies: From zero trillion‑dollar companies in 2016 to a roster that includes Apple, Nvidia, Microsoft, Alphabet, Amazon, Meta, TSMC, Berkshire Hathaway, and more. The hidden concentration in the S&P 500: Why owning “500 companies” doesn’t mean your portfolio is actually diversified — and how 10–12 mega‑caps can drive a huge chunk of returns. The Rule of 72 and doubling your money: A simple mental shortcut to estimate how long it takes your money to double at different rates of return. Time vs rate vs risk. Savings rate: the overlooked superpower: Why your behaviour and savings rate matter more than chasing an extra 1–2% of return. Compounding and Warren Buffett: How most of Buffett’s net worth showed up late in life, and what that says about sticking with a plan. Patience over panic: The “hockey‑stick” shape of compounding — slow, boring early on, then suddenly explosive if you stay the course. Grounded in fun analogies, market history, and real client experiences, this episode turns an abstract question — what is a trillion? — into practical takeaways about saving earlier, understanding your actual risks, and letting time do the heavy lifting. Chapters: 00:00 – $1,000 a day since Jesus 00:25 – SpaceX, Saudi Aramco, and the first trillion‑dollar IPOs 02:22 – Why our brains are bad at “big numbers” 02:40 – From mammoth herds to market caps 03:40 – Million seconds vs billion seconds 04:20 – Life in weeks 05:10 – From billions to trillions in time 05:42 – Stacking $100 bills 06:53 – Why saving for retirement feels abstract in your 20s 07:28 – Trillion‑dollar companies: from zero in 2016 to a crowded club 08:08 – Apple at $500–600B and the “if it ever hits a trillion, I’m out” crowd 08:45 – Antitrust, regulation, and the rise of mega‑caps 09:08 – Who’s in the trillion‑dollar club now? Apple, Nvidia, Microsoft, Alphabet & more 09:08 – What the S&P 500 actually is: 500 biggest U.S. companies by market cap 09:55 – “I own 500 stocks, so I’m diversified”… or am I? 10:14 – How 10–12 giants soak up roughly 40% of the index 10:50 – Why index investors may be more concentrated than they think 11:58 – How do you grow to a trillion? 12:24 – Rule of 72 explained 12:51 – 2% vs 7.2% vs 14% 13:28 – Walking through a 30‑year compounding example from $10,000 14:00 – “Time matters more than timing” in real‑life financial planning 14:27 – Why you probably shouldn’t park 30‑year money at 2% 14:35 – Raising your savings as your income grows 15:48 – Time as your friend 16:12 – Want to retire in 5–10 years? Why “chasing returns” is gambling 16:34 – The only dial you fully control 16:46 – Time is time 16:52 – The “dirty little secret” of investing 17:26 – Earnings power, savings behaviour, and long‑term success 17:34 – Building good money habits early vs trying to fix things late 17:48 – Career risk vs portfolio risk 18:30 – Realizing you don’t need to swing for the fences forever 18:40 – So what? Why compounding feels slow… until it doesn’t 19:25 – The back‑loaded nature of growth 19:30 – The snowball analogy 19:31 – Warren Buffett: most of his billions arriving late in life 20:06 – “One Red Paperclip” and trading up 20:16 – Buffett at 95 and how long compounding’s been working for him 20:47 – Why most of his wealth appeared after 80 20:47 – Don’t be intimidated by big numbers — understand what drives them 20:52 – Watching your index funds 21:22 – The 2000–2010 “lost decade” and mean reversion in markets 22:00 – Why a global equity index may diversify better than just U.S. large caps 22:05 – “History doesn’t repeat, but it rhymes” 22:21 – Diversification, goals, and knowing what you actually own 22:23 – Patience over panic 22:56 – Letting time work for you 23:01 – Closing thoughts To learn more, visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice in the context of your particular circumstances. This presentation was prepared by Matthew McGowan and Nathan England, CFP, for the benefit of Matthew McGowan and Nathan England, CFP, Mutual Fund Representatives with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. Please read the Fund Fact Sheet or prospectus before investing. Mutual funds are not guaranteed; their values change frequently, and past performance may not be repeated.

3. 

   30 Jul 2026

   Institutional vs Independent Advice

   In this episode of Money Questions, Matt and Nate sit down with Adrian, a former bank advisor turned independent planner, to explore what really changes when your priority shifts from shareholder value to client outcomes. Using the analogy of oral health and “financial toothaches,” Adrian walks through how skipping regular financial checkups, just like skipping the dentist, can quietly turn small, fixable issues into painful, expensive crises. They dig into: Life inside the bank: Daily sales targets, product quotas, and why even well‑intentioned advisors struggle to give truly holistic advice. “Are you the client or the product?”: How shareholder‑first incentives shape the tools, training, and recommendations clients receive. The dentist analogy: Why consistent, boring financial hygiene (budgets, reviews, planning) prevents the equivalent of root canals in your money life. Independent vs bank platforms: Limited in‑house product shelves vs a global toolbox — and how that affects fees, flexibility, and client fit. Continuity and turnover: What happens when your bank advisor changes every 18 months versus building a 20‑year relationship with the same planner? Advisors on the fence: The fear, the leap of faith, and how moving from employee to business owner can realign your work with your “why.” Grounded in real stories from the subprime crisis, branch management, and financial literacy programs across Nova Scotia, this episode is part behind‑the‑scenes look at Canadian banking, part call‑to‑action for both clients and advisors: don’t wait for a financial toothache to take your planning seriously — and know there is an independent alternative. Chapters: 00:00 – Why no one likes the dentist (or financial planning) 00:46 – Meet Adrian: From forest ranger to financial advisor 02:17 – Taking 30–40 crisis calls a day during the 2008 meltdown 04:18 – The early days: Slowing down to build real client relationships 05:28 – How daily sales targets changed the advice game 07:20 – Targets, “opportunities,” and when KPIs replace client needs 08:46 – “Are you the client or the product?” Shareholder value explained 09:50 – Client loads in branches: 500–700 households… plus thousands with no advisor 10:24 – The layoff: New baby on the way, job gone overnight 12:04 – Big banks vs ma‑and‑pa: Relationships, decisions, and culture 12:58 – Discovering the independent channel and a values match 13:50 – Small toolbox vs global toolbox: Products, planning software, agility 18:38 – Banks selling only their own investments vs independent open shelves 20:14 – The risk of “analysis paralysis” and how good independents filter choice 20:45 – Message to clients: You have alternatives beyond the branch 21:57 – Advisor turnover: Restarting your story every 18 months 23:07 – Money stress, preventable crises, and why ongoing planning matters 25:09 – The full dentist analogy: Cleanings, flossing, and financial hygiene 27:40 – Why literacy programs and workplace education only go so far 29:20 – Independent, local, human: Finding the right long‑term fit 30:28 – A note to frustrated bank advisors: You deserve better 31:45 – Employee vs business owner: Running a practice, not a desk 33:03 – Making the leap: Fear, support, and skill transfer 34:01 – Trading your soul for a paycheck: The most expensive transaction 35:05 – Eight‑hour planning meetings and changing a family’s trajectory 36:31 – Small course corrections, big life outcomes 37:39 – The little things banks miss: Beneficiaries, RESPs, estate details 40:11 – Outcome‑focused vs revenue‑focused advice 42:13 – Final call to action for clients and advisors: Have the conversation To learn more, visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice in the context of your particular circumstances. This presentation was prepared by Matthew McGowan and Nathan England, CFP, for the benefit of Matthew McGowan and Nathan England, CFP, Mutual Fund Representatives with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. Please read the Fund Fact Sheet or prospectus before investing. Mutual funds are not guaranteed; their values change frequently, and past performance may not be repeated.

4. 

   5 Jun 2026

   Never Bring A Hammer To A Screwdriver Job

   In this episode of Money Questions, Nate and Matt dig into one of the most hotly debated topics in Canadian personal finance: RRSP vs TFSA. Using the analogy of hammers, drills, and duffel bags of cash, they unpack why these accounts are tools, not solutions — and why the real answer to “Which is better?” is “It depends.” They cover: The $10,000 thought experiment: A simple side‑by‑side comparison showing that if your tax rate is the same going in and coming out, RRSPs and TFSAs can produce the same outcome. The “refund trap”: How spending your RRSP refund on oil tanks, vacations, and credit cards undermines the math — and why reinvesting refunds can supercharge long‑term compounding. Behavioral pitfalls of flexibility: Why TFSAs are so easy to raid for Disney trips and car repairs — and how that can quietly derail retirement plans. Hidden RRSP superpowers: Using RRSP contributions to boost government benefits like the Canada Child Benefit, and how that changes the math for families. Estate planning differences: How RRSPs are taxed on death vs how TFSAs can be incredibly estate‑friendly — especially when you use a successor holder designation for a spouse. Grounded in real client stories, actual tax-return data, and decades of planning experience, this episode is about moving past the RRSP vs TFSA tribalism — and choosing the right mix of tools for your income, family, and retirement plan. Chapters: 00:00 – Hammers, drills, and why RRSP vs TFSA is the wrong question 01:45 – TikTok “RRSP scam” takes and emotional reactions to account types 04:30 – RRSP 101: tax deferral, refunds, limits, and withdrawal penalties 08:00 – TFSA 101: after‑tax contributions, tax‑free growth, and flexibility 11:00 – Suitcases and backpacks: RRSPs/TFSAs as containers, not investments 14:45 – The $10,000 example: when RRSP and TFSA math looks identical 17:10 – The refund trap: what really happens to most RRSP refunds 19:30 – TFSA contribution room: growing it, evaporating it, and big wins/losses 21:20 – Flexibility vs discipline: raiding TFSAs and short‑ vs long‑term goals 22:40 – The $60–70K rule of thumb — and why “it depends” is more accurate 24:30 – Canada Child Benefit and other RRSP‑driven government boosts 27:00 – Personal tax‑free amounts, CPP timing, and RRSP withdrawal strategy 31:00 – Death, taxes, and estates: RRSP vs TFSA on your final tax return 33:05 – Successor holder vs beneficiary: a crucial TFSA estate detail 34:20 – Tools, not solutions: why the best plan usually uses both RRSP and TFSA To learn more visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This presentation was prepared, by Matthew McGowan and Nathan England CFP, for the benefit of Matthew McGowan and Nathan England CFP, Mutual Fund Representative with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the Fund Fact sheet or prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

5. 

   13 Apr 2026

   Investing When the World Feels Like It’s Falling Apart

   In this episode of Money Questions, Nate and Matt dig into what it means to invest when the news feels like the world is falling apart — wars, pandemics, political chaos, and all. They tackle the emotional side of money, the hard data on markets, and what real‑life investors should actually do when they’re scared. They cover: The “ghost of market future” thought experiment: if you knew in January 2020 about COVID, lockdowns, civil unrest, and global turmoil — would you still have invested? “Am I going to be okay?”: the real question behind clients’ calls when the headlines turn dark — and how advisors answer it. Why we invest at all: protecting purchasing power from inflation, and why cash under the mattress quietly loses to rising prices. The Andex chart: zooming out over decades of data, seeing wars, recessions, pandemics, and crises — and why the long‑term line still trends up and to the right. When (and how) to change your plan: using crises as a wake‑up call if your risk level is truly too high — instead of making all‑or‑nothing, panic‑driven moves. Grounded in real client conversations and decades of market history, this episode is about how to keep investing in a world that never stops throwing curveballs — and how to separate terrifying headlines from your long‑term financial future. Chapters: 00:00 – Setting the stage: pandemics, wars, and scary headlines 01:30 – The “ghost of market future” thought experiment (January 2020) 03:20 – Human toll vs. talking about money during global trauma 05:10 – Why we invest: inflation, purchasing power, and not burying cash 06:20 – Investor profiles: goals, timelines, and risk tolerance in real life 08:00 – “What would you do if your portfolio dropped 20%?” (questionnaires vs reality) 10:00 – The Andex chart: zooming out on decades of crises and returns 12:40 – Betting on humanity: why markets recover (or else money won’t matter) 15:00 – Turmoil as opportunity: Contributions-in-a-crisis insight 16:30 – Diversification, global markets, and staying invested through volatility 18:40 – History of geopolitical shocks and market returns 21:30 – Ten rules for dealing with uncertainty and market timing myths 25:20 – Simplicity vs complexity: why a solid, simple plan often wins 26:50 – “Doing nothing is a decision”: panic, partial changes, and avoiding all-or-nothing moves 28:20 – Crisis as a wake-up call: when it does make sense to adjust risk 29:30 – Closing thoughts: hope, resilience, and focusing on long-term goals To learn more visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This presentation was prepared, by Matthew McGowan and Nathan England CFP, for the benefit of Matthew McGowan and Nathan England CFP, Mutual Fund Representative with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the Fund Fact sheet or prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

6. 

   16 Mar 2026

   Never Open a Brown Envelope on a Friday

   In this episode of Money Questions, Nate and Matt unpack the stress of brown envelopes from the CRA, what’s actually inside them, and how to turn tax season from anxiety‑ridden to manageable. They cover: Brown envelope anxiety: why CRA mail feels scary and what those letters usually mean. Tax brackets 101 (Canada): marginal vs. average tax rates, and why earning more doesn’t suddenly make all your income taxed at a higher rate. Your biggest expense (hint: it’s not your mortgage): how much of your income effectively goes to taxes. Notices of Assessment: what they actually show, how to find your real tax rate, and why they’re central to financial planning. Installments & interest: when CRA asks for quarterly payments, what happens if you don’t pay them, and how the interest works. Self‑employed reality check: paying both sides of CPP, why tax bills shock business owners, and how to avoid falling behind. TFSA traps: outdated CRA TFSA info, over‑contributions, and the 1%‑per‑month penalty (and how to avoid it). CRA’s online portal: 10 years of history, RRSP and TFSA room, credits, balances, and how advisors use it to help you. Refunds as “savings”: why a big tax refund is really an interest‑free loan to the government and why aiming near a $0 refund is usually better. Staying organized: checklists, digital folders, taking photos of slips, and why showing up with a Sobeys bag of receipts costs you time and money. Everyday tax planning: RRSPs, employer pensions, medical and childcare expenses, and other deductions/credits that can reduce tax and improve overall financial well‑being. Grounded in real client stories and practical planning, this conversation is about understanding your tax life so the brown envelope doesn’t control your stress levels. Chapters 0:00 – The brown envelope rule & intro to tax anxiety 0:56 – Canadian tax season timelines (CRA opens, April 30 & June 15) 1:48 – Why people rush to file early (and chase T‑slips) 2:17 – What this episode covers: brown envelopes, CRA portal, and tax stress 3:02 – Tax brackets 101: federal vs. provincial and progressive rates 4:32 – Average tax rate vs. marginal tax rate (jargon alert) 5:40 – Taxes as your largest expense (more than mortgage or car) 6:53 – Clearing up “I don’t want to earn more and hit a higher bracket” 7:48 – Using your Notice of Assessment in real financial planning 9:03 – Brown envelopes from CRA: what actually shows up in the mail 9:46 – Installment reminders: when and why CRA asks for quarterly payments 10:18 – Should you pay installments? Interest risks and “napkin math” 10:53 – Other brown‑envelope items: CPP/OAS updates and reassessments 13:48 – CRA online portal: why Nate strongly recommends signing up 14:33 – Giving advisors access & seeing the same letters together 15:04 – What’s inside the CRA portal: 10‑year history, room, credits, balances 15:57 – TFSA reporting gaps and why CRA’s numbers can mislead you 16:43 – TFSA over‑contribution penalties (1% per month) and delays 17:35 – Why you must track TFSA contributions yourself 17:58 – Filing early to get refunds vs. filing with complete information 18:25 – Using tax refunds as a “savings account” with CRA 19:40 – Why a big refund is an interest‑free loan to the government 20:31 – Targeting a near‑zero refund and better cash‑flow planning 20:56 – Taxes owed when income is earned (especially for self‑employed) 22:02 – CPP shock: paying both employer and employee portions 22:55 – Falling behind on taxes and how CRA collections actually works 23:44 – Garnishments, frozen accounts, and why you must call CRA first 24:15 – When you can’t pay in full: 12‑month plans and full financial disclosure 25:05 – Side hustles, tips, crypto, rental income and tax evasion risks 25:25 – “How do we pay the government less?” (legally) 25:40 – Using RRSPs, pensions, and other tools to reduce taxes 26:18 – Medical, childcare, and other provincial‑specific deductions 27:00 – Staying organized: checklists, folders, cloud storage, and Sobeys bags 28:35 – Why disorganized receipts cost you in fees and time 28:52 – Tax health as part of financial well‑being 29:11 – Year‑end pay stubs and mock tax returns before the RRSP deadline 30:32 – Using RRSP contributions to reduce taxes payable 31:17 – Why Nate secretly likes tax season (for planning data) 32:03 – Why advisors need to see your tax situation 32:19 – Legal and investment disclaimers To learn more visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This presentation was prepared, by Matthew McGowan and Nathan England CFP, for the benefit of Matthew McGowan and Nathan England CFP, Mutual Fund Representative with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the Fund Fact sheet or prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

7. 

   9 Feb 2026

   Babies

   In this episode of Money Questions, Nate (no kids) and Matt (dad of two) break down the real financial impact of having a baby in Canada. They cover: The true cost of raising a child, including the first-year expenses Delivery costs: deductibles, co-pays, hospital rooms, and planning around health insurance. Baby gear on a budget: cribs, car seats, strollers, and the value of buying secondhand. Parental leave & income: EI/parental benefits, employer top-ups, and planning for reduced cash flow. Emergency savings & credit options during that first unpredictable year The rising cost of childcare and how it shapes decisions about where to live and work. Risk management: income protection, disability coverage, life insurance, and wills/guardianship. Long-term planning: prioritizing retirement vs. kids’ activities, and using RESPs and government grants to save for education. Grounded in Matt’s real-life experience and Nate’s planning lens, this conversation gives expecting (and surprised) parents a practical framework to think through money, risk, and long-term goals when a baby enters the picture.

8. 

   12 Jan 2026

   Scams, Schemes & Staying Safe

   Matt McGowan and Nathan England explore the rising tide of financial scams, dissecting tactics like romance schemes and Ponzi structures, and provide actionable steps to safeguard against fraud.

9. 

   2 Jan 2026

   Season 2 Is Here!

   Finance experts Matt McGowan and Nate England preview the upcoming season of Money Questions, promising practical financial literacy and strategies for reducing money-related stress.

10. 

    13 Aug 2025

    The Art of Dying

    Hosts Matt McGowan and Nate England interview estate planning expert Amanda Forsey Taylor, JD, TEP, about preparing for the inevitable and the loving act of estate planning.

11. 

    30 May 2025

    Screaming Into the Mist at Bedford Place Mall: handling uncertainty in personal, finance, investing, and life.

    Hosts Matt McGowan and Nathan England CFP explore managing financial uncertainty by drawing parallels to the movie "The Mist," focusing on long-term investment strategies and personal finance essentials.

12. 

    31 Mar 2025

    Slowly Then All At Once

    Matt and Nate are back to discuss the concept of compounding and its importance in personal finance! They explore both sides of the compounding coin including saving early, even with small amounts, and the total cost of borrowing, including the interest paid on credit cards and car loans, and how it impacts finances. Using the example of a penny doubling daily for 30 days, which would result in $10.7 million, highlighting the power of time. They emphasize the importance of long-term thinking, noting that significant growth often occurs over extended periods. They also discuss the impact of debt compounding, where interest can significantly increase the cost of loans. Examples include a $20,000 credit card balance with a 20% interest rate, which could take nine years to pay off, costing an additional $23,000 in interest. They stress the importance of using the right financial vehicles, like TFSAs, to maximize savings and avoid tax interruptions. To learn more visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This presentation was prepared, by Matthew McGowan and Nathan England CFP, for the benefit of Matthew McGowan and Nathan England CFP, Mutual Fund Representative with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the Fund Fact sheet or prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

13. 

    26 Feb 2025

    Financial Acronym Decoder Ring Part 1

    In the conversation, Matt and Nate discuss the importance of understanding financial tools like RRSPs, TFSAs, and FHSAs. They argue that financial advisors often lead with the tools rather than the purpose behind them, which can be misleading. They emphasize the need to understand your financial goals and the appropriate use of these accounts. They explain that RRSPs are tax-deferred, meaning you get a tax refund when you contribute, but you pay taxes when you withdraw. TFSAs are after-tax contributions that grow tax-free. FHSAs are for first-time homebuyers and offer tax deductions. They also stress the importance of reinvesting tax refunds and planning for future tax brackets. Tune in if you want to demystify these financial tools and make them more accessible to you. To learn more visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This presentation was prepared, by Matthew McGowan and Nathan England CFP, for the benefit of Matthew McGowan and Nathan England CFP, Mutual Fund Representative with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the Fund Fact sheet or prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

14. 

    22 Jan 2025

    100% Chance of Surprises

    Your hosts Nate and Matt open this season with a conversation revolving around the challenges of financial forecasting and the importance of understanding personal financial goals. They discuss how economic cycles and life events, such as getting married or having children, influence financial planning. They emphasize that forecasts are imperfect and often lead to misguided decisions. They highlight the importance of understanding one's risk tolerance, time horizon, and intended use of funds. Listen in for a discussion about navigating your finances in an ever-evolving world climate. To learn more visit: https://www.evangelinewealth.com/ (https://www.evangelinewealth.com/) DISCLAIMER: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This presentation was prepared, by Matthew McGowan and Nathan England CFP, for the benefit of Matthew McGowan and Nathan England CFP, Mutual Fund Representative with Evangeline Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this presentation comes from sources we believe are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the Fund Fact sheet or prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

15. 

    26 Nov 2024

    Introducing Money Questions

    Are money worries keeping you up at night? You’re not alone. Join Matt, a finance expert with over 20 years of experience, and Nate, a self-employed financial planner with 15 years in the industry, as they help you take control of your financial future. From financial literacy basics to practical tips for building wealth and avoiding common pitfalls, Matt and Nate bring clarity, empowerment, and a healthy perspective to your personal finances. Whether you're looking to reduce stress, improve your money habits, or simply get answers to your financial questions, this podcast is your go-to guide for navigating the complexities of money management. Tune in to Money Questions—where knowledge is power, and financial freedom starts with a single step.

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