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 Saskatchewan PST, 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 calculatorBudgeting tools
You need one place where every dollar is written down. Which one matters far less than whether you actually open it.
EveryDollar
The budgeting app built around the Baby Steps, so what you see on your phone matches what we talk about in a session. Worth knowing the Canadian app store listing has been unreliable; the web version works fine in a browser.
Visit EveryDollarYNAB (You Need A Budget)
A different philosophy: give every dollar a job, and only budget money you already have. Steeper to learn than EveryDollar, but the people who stick with it tend to stay for years.
Visit YNABBooks
Four I come back to. Borrow them from the library before you buy them.
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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