Money Stress Isn’t a Math Problem: What Financial Coaching Actually Is
I’m a Certified Ramsey Master Coach in Regina. Here’s what financial coaching really is, what it isn’t, and why I started Pathway Financial.
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Things I actually recommend
No affiliate links and nothing to buy from me. These are the tools and books I point clients to, and why each one is on the list.
Articles
My calculators
Built for Canadian rules, free, and nothing you type ever leaves your device.
Mortgage calculator
Uses the Canadian semi-annual compounding rule, handles CMHC premiums and the provincial tax on them, and shows what accelerated payments actually save you.
Open the calculatorDebt snowball calculator
Put in what you owe and see the payoff order and the month you are done. The date is usually closer than people expect.
Open the calculatorRRSP vs TFSA
Same money into each, with the tax on the way out included. The answer surprises most people.
Open the calculatorMy budgeting app
I’m not pointing you to someone else’s subscription app here. Pathway Budget is my own, made for how I actually see Canadian households managing money. Your basic budget stays free.
Pathway Budget
Plan your month, track spending and try Premium free for 30 days. No payment card or bank connection required.
Explore Pathway BudgetBooks
These are four I keep coming back to. Try the library before you buy.
Baby Steps Millionaires
Proof the plan finishes, told through people who actually finished it. Most useful when you are far enough in to start wondering whether it is worth it.
Listen on AudibleBreaking Free From Broke
The clearest plain-language takedown of the products that quietly keep people stuck: credit scores, car loans, buy now pay later. Read it before your next big purchase.
Listen on AudibleThe Psychology of Money
The one I hand to people who think they are bad with money. It is about behaviour rather than math, and it will change how you think about risk and about enough.
Listen on AudibleThe Simple Path to Wealth
Investing stripped back to something you can actually act on. Written for an American reader, so translate the account names to RRSP and TFSA as you go.
Listen on AudibleReady when you areLet’s find your path
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