I report on the world of millennial personal finance because I strongly believe in financial independence, staying out of debt and growing my money.


But I also don’t want to be sitting at home crying and counting my loonies while all my friends are out having fun.

Since no one taught me in high school (and judging by the record-high Canadian debt levels, they would have done a bad job anyway) I want to figure out how to make my funds go the furthest while still enjoying my life and creating a stable future.


But that doesn’t include doing the typical personal-finance-expert things like making a budget and giving up lattes.


Budgets are kind of pointless as long as you spend less than you earn and invest the rest.  

And David Bach will have to pry my $5 latte from my cold, homeless hands before I give them up.


Balance is the name of the game. So although I’ll get manicures often you better believe it’s at the cheapest place I can find! And what would my weekends be without brunch? Sad and lonely, that’s what. But you’ll also find me hand-washing my clothes to save a few bucks at the laundromat.


So let’s learn together as I detail and research the financial adventures of my generation – from to choosing between sushi and a haircut, to choosing between stock picking and a robo-advisor.


I believe you don’t have to give up everything you love, you just have to prioritize what you love.



The Team


    Danielle Kubes

    Danielle Kubes

    Freelance Writer
      I want to improve my financial literacy without hating my life

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