Learn easy ways to build wealth with the only personal finance podcast you need. Hosted by a millennial consultant working in Banking, Julia Choi will show you just how approachable building wealth can be with relatable life stories and actionable tips & tricks.
Let’s chat on IG! @wealthbyjulia
Get 10k managed for free on Wealthsimple for a year! https://linktr.ee/wealthbyjulia
Toxic workplaces not only impact your mental and physical health, it also impacts your financial wellbeing. Today, I have a SPECIAL guest and bff, Laura, who used to for an agency and well... didn’t have the best time. Tune in to hear Laura’s story and how she left for the better!
22 Jul 2021
Ep 16. Inflation- The Silent Wealth Killer
Inflation is the most overlooked silent killer when it comes to building wealth. 1% to 3% rise in prices doesn’t seem like a lot, but after a long period of time, it could mean that the money you have in your savings gets slashed in half or more. Tune in to learn ways to mitigate inflation.
13 Jul 2021
Ep.15 Toxic Money Thoughts
So you get into the idea of managing your personal finances and very quickly this strong insecurity creeps onto you... you feel like you’re behind schedule with so many financial milestones that life says you must have achieved. Ever feel this way? Well you’re not alone! Turns out, myself, and all of my friends at Reddit have common money insecurities that are extremely relatable. Tune in to see how I coped with mine and how you can get over this toxic mental hurdle now!
10 May 2021
Ep. 14 The Score that Determines Your Credibility!
ANDDDD I’m back! To all of my subscribers who wondered where the hell I was- I’m here, alive and well. These are hard times where sometimes soul searching is the only way out, and that’s exactly what I did. Enough of me, let’s get right back into important MONEY TIPS. This episode, I discuss EVERYTHING you need to know on credit scores, why it’s important and how you can improve them. Give it a listen and let’s connect on Instagram @wealthbyjulia.
23 Feb 2021
Ep. 13 Debunking Mortgage Myths: Is a 5% down payment really enough?
If you’re dreaming of one day buying a home or are already making solid plans to do so in the short term, you would’ve seen this A LOT on social media: people telling you that you really only need a 5% down payment to buy a home. But is that really the only consideration to buying that expensive new home in a metropolitan city? Tune in to find out!
8 Feb 2021
Ep. 12 I had nearly $6000 stolen from me!
STORYTIME: My credit card was compromised and someone decided to attempt to steal nearly $6000 from me. Thanks to dear Scotiabank, I was able to resolve this with no losses. My card has since been cancelled (for any fraudsters out there listening to my podcast) so don’t even try me! In this episode, I walk through my experience and what you can do to proactively protect your hard earned money.
29 Jan 2021
BONUS EPISODE: GAMESTOP MADNESS!
I had to create this bonus episode because with my two-part series about investing and me preaching about why NOT to take on more risk, a perfect example emerged this week. If you haven’t heard already, it’s about Gamestop. There are so many layers to this: from it being an underdog victory story, to an arising ethical question on why we continue to defend the rich and reject the poor. I discuss everything from what the situation is, how you can understand it easily, and why this is probably one of the biggest stock drama of the decade.
27 Jan 2021
Ep. 11 All About INVESTING! Pt. 2
We’re in a bullish market (listen to the end if you want to hear my thoughts on this!), which often means even the most novice investors are seeing huge short term gains on their investments. So does that make them geniuses?! Find out how you can set up an investment strategy and identify health stocks to invest in today!
18 Jan 2021
Ep. 10 All About INVESTING! Pt. 1
Want to invest your money but don’t know where to start? This episode covers everything, right down to the basics. By the end of this episode, you will be able to open up an account through a brokerage and start to design your portfolio according to your risk tolerance and goals. Tune in to get started now!
11 Jan 2021
Ep. 9 How I Could Have Made 160k on Amazon & Tesla Stocks- and Why I Chose Not To
True story- I lost out on an opportunity to make 160k from Amazon and Tesla this past year. But the plot twist is that I fully saw this coming and still chose NOT to make that money. Why did I do this? Am I crazy? Find out more in today’s episode!
4 Jan 2021
Ep. 8 New Year New Us- Budgeting to achieve your 2021 goals
Happy New Year! ‘Tis the season to start our new years resolutions. I’m sure many of you have a financial goal in mind for 2021. In this episode, I walk through ways you can assess your financial health and different budgeting approaches to help you achieve your goals!
22 Dec 2020
I’m Taking a Break!
I’m taking a break for the holidays! I will be spending some quality holiday time with my loved ones this week and next- and will be right back at it in January. I have some super exciting content coming soon, including a FULL tutorial on how to get started on trading, so be on the lookout! Lastly, thank you so much for all of your support so far! We’ve had hundreds of listeners and almost 100 followers just on Spotify alone (I can’t get data on Apple yet :( ). So grateful for all of your support and if you have a friend that can use some personal finance help, just say “trust me, you’re broke” ;)
14 Dec 2020
Ep. 7 How to Upgrade Your Career & When To Know It’s Time to Move On
This garbage of a year is ending guys. And as part 1 of my farewell, I want all of you, my listeners, to UPGRADE your BIGGEST source of income- your day job. The best way to make more money, is to do better in your career. In this episode, I discuss some things that I did well in my career, and some things that I FAILED at. Hope you feel motivated after listening to my story! Follow me at @WealthByJulia on Instagram- let’s chat!
8 Dec 2020
Ep. 6 Key Money Moves to Make in December
December is month that many associate as the month to SPEND. But did you know that it is also a critical month to set yourself up for success when it comes to MAKING more money? In this episode, I discuss key money moves you should be making, in order to max out on those tax returns and make some extra dollars. Want your investments managed for FREE for a year? Use this link: https://wealthsimple.com/invite/_3IFMA
30 Nov 2020
Ep. 5 Black Friday: A Commentary
This year is definitely a WEIRD year for Black Friday and Cyber Monday. You won’t see people crashing through the gates, pushing and shoving on the news. This year was my first year taking part in making a purchase, and in doing so, I reflected on the day. In this episode, I share my thoughts on Black Friday, and how we can all be smart about spending, particularly given how this year has been. Lastly, I’m moving my episodes to every Monday! Follow me on @wealthbyjulia and DM ME! LET’S CHAT!
21 Nov 2020
Ep. 4 Credit Card Facts & Hacks You Need to Know
Credit cards are often thought of as the ‘villain’ of personal finance- and rightfully so, as credit card debt is often mismanaged. With that said, a credit card can be an effective spending tool that, when utilized correctly and effectively, can actually help you in the longer term. In this episode, we’ll explore different credit facts to help you lay the right foundation, and also some neat hacks for you to maximize those benefits.
14 Nov 2020
Ep. 3 So What in the Heck is a TFSA & RRSP?
There seems to be a notion that we should be “saving for retirement”. While that is true, there’s often an overemphasis on saving for retirement. What about saving for further education, a house, a vacation or a car? In this episode, we’ll discuss Tax Free Savings Accounts (TFSA) and Registered Retirement Savings Plan (RRSP), and how they serve different purposes to help you achieve any financial goal you have. Stay tuned until the end for exclusive tips on how to MAXIMIZE both, and be sure to follow me on Insta @WealthbyJulia
8 Nov 2020
Ep. 2 How To Save In Times Of Uncertainty
We’re surviving a pandemic and for a lot of us, that means we need to be better at saving up in case of a rainy day. In this episode, I provide you with many ways to save more without having to drastically change your spending habits because... well, that’s hard. Tune in now and let me know what you think in the reviews, or DM me on Insta @wealthbyjulia! Also, if you got inspired by this episode and want to start a Wealthsimple account, use my referral link to get your first 10k managed FOR FREE! https://bit.ly/2JNbCXN
8 Nov 2020
Ep. 1 Money Doesn’t Grow On Trees
Your parents were right. Money doesn’t grow on trees. Now that you’re a grown up, these words are painfully relatable.
In this intro episode, you’ll get to know why you should find financial purpose asap, and how to translate them into short to long term goals.
You’ll also learn why I find manifestation an important foundation to kickstarting your personal wealth journey. Whatcha waiting for?!
Host of Trust Me... You’re Broke?
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