88. Are Any of These 7 Financial Red Flags Holding You Back in 2025?

What happens if your engagement ring gets lost, stolen, or the diamond falls out? Would you be covered—or would you be out thousands of dollars?In this episode, I sit down with Dustin Lemick, a third-generation jeweler and founder/CEO of BriteCo, to break down everything you need to know about engagement ring insurance and how to protect your jewelry the right way.Topics covered:How much does engagement ring insurance cost? (And what it actually covers)Should you add your ring to homeowners or renters insurance? (Pros & cons)The biggest myths about jewelry insurance (What most people get wrong)Why so many couples forget to insure their engagement ringWhat’s the minimum value of jewelry worth insuring?If you have an engagement ring, wedding band, or fine jewelry, this episode is a MUST-watch!

Self-employed? Learn how to save money on taxes, maximize write-offs, and avoid CRA mistakes in this episode of In Her Wallet!In this episode, host Sofiia sits down with Chartered Professional Accountant Cindy Kumar to break down self-employment taxes and how freelancers, consultants, and small business owners can navigate tax season with confidence.Topics covered:Key differences between taxes for employees vs. self-employed individualsSmart tax deductions & common write-off mythsAudit triggers & how to avoid red flags with the CRAShould you incorporate? The pros & cons for tax savingsHow accountants add value beyond tax software like TurboTaxMaximizing retirement plans (RRSP) for self-employed individualsWhether you’re a freelancer, consultant, or small business owner, this comprehensive guide will help you avoid tax pitfalls, save money, and stay compliant.Listen now on Spotify, Apple Podcasts & YouTube!Have a tax question? Drop it in the comments!Cindy's resources:100 Tax Write-Offs Cheat SheetBook a Free 20-Min Financial Clarity Session with CindyRegister for 4-Week Tax Course for Self-EmployedIn Her Wallet's resources:Listen to EP64 You Guide to Filing Personal Income Taxes with Wealthsimple's Caroline CorbeilGet Your Monthly Budget Planner for $20Watch Episodes on YouTube!

In episode 91 of In Her Wallet, we’re talking about something just as important as love in a relationship—money. Financial compatibility can make or break a relationship, yet so many people ignore the warning signs until it’s too late.In this episode, we’re diving into:🚩 The biggest financial red flags that can signal deeper issues in a relationship💰 Why money habits matter more than income differences🔍 Real-life stories of financial secrecy, overspending, and hidden debt🔒 5 ways to protect yourself financially—whether you're dating, engaged, or in a long-term partnershipWhether you’re single, in a relationship, or navigating finances with a partner, this episode will help you spot red flags early, set healthy financial boundaries, and build a relationship that’s strong both emotionally and financially.

In episode 90 of In Her Wallet podcast, I’m tackling one of the biggest financial questions: How do you invest your first $1,000? If you’ve been wanting to start investing but feel overwhelmed by where to begin, this episode is for you!! I’m breaking down everything step by step—how to define your investment goal, whether to choose a TFSA, RRSP, or FHSA, and the best beginner-friendly options like ETFs, robo-advisors, or individual stocks. Plus, I’ll share a funny story about how my husband and I took very different approaches to investing in Uber, and what that taught me about patience in the market. I’ll also cover common investing mistakes to avoid, so you can start building wealth with confidence. By the end of this episode (in just 25 minutes…), you’ll know exactly where to put your first $1,000 and how to make your first investment. Tune in now and take the first step toward growing your money! Start Managing Your Money Like a Pro with This Tool! Ep50 "How to Not Get (Fin)fluenced with Bad Financial Advice?"

In Episode 89 of the In Her Wallet podcast, I’m sharing how I’m building my Personal Board of Directors this year—a concept that could be a total game-changer for your career, personal growth, and life goals. You’ll hear: What a Personal Board of Directors is and why it matters. The step-by-step process I used to define my goals, identify key roles, and select the right people for my board. How to approach potential members with clarity and intention, and set up a framework that works for both sides. Tips on how to engage regularly and create a meaningful, mutually beneficial relationship with your board. Whether you’re navigating a big career pivot, planning a major life event, or just looking for guidance and support to achieve your goals, this episode will help you level up your life with the help of your own dream team!

In episode 88 of In Her Wallet podcast, I’m diving into the 7 financial red flags that might be holding you back in 2025. These could be personal habits or behaviors you’ve noticed in yourself or others—like your partner or family members—that silently sabotage financial health. I’ll share personal stories for each red flag and the solutions that have worked for me, giving you practical steps to tackle them head-on. This episode is all about helping you reflect, reset, and make smarter financial decisions this year—starting today! Resources referenced: Check out Monthly Budget Template by In Her Wallet Start investing with Wealthsimple

Welcome to the first In Her Wallet episode of 2025! In this solo episode, I’m sharing my ultimate “Ins and Outs” list for the new year, diving into everything from wellness habits and mindset shifts to fashion upgrades and personal growth tools. Plus, I kick things off with a little life update—it’s been a month since we last caught up, and so much has happened! 💌 Don’t forget to subscribe and rate the show—it helps me grow the show and bring on amazing guests. And if you have topics or guests you’d love to hear, drop me a DM or comment! Get the In Her Wallet Budget Template for $20

In Episode 86 of In Her Wallet podcast, I’m joined by my friend and fellow vision board enthusiast, Jaiya Varshney. She’s the co-founder of Tydra Labs, a startup in the sustainable fashion and textile space, and she has some incredible fresh insights about vision boards that completely changed how I think about them—including why she keeps a laminated one in her shower! Together, we chat about: How vision boards work and why they’re more than just pretty pictures. How to balance big dreams with realistic goals. How to find the right images and choose between physical or digital board. What is surface area of luck and how to unlock it Whether you’ve been making vision boards for years or are curious about starting one, this episode is packed with practical tips and fresh ideas to help you create a vision board that works. Tune in to hear how Jaiya and I are creating our vision boards for 2025—and why you might want to put yours in the shower, too!

In episode 85 of In Her Wallet podcast, Sofiia sits down with Michelle Munro, Director of Tax and Retirement Research at Fidelity Investments Canada, to help you prepare for a financially successful 2025. Together, they explore practical steps for building wealth, creating financial security, and navigating life’s big money decisions with confidence. Michelle shares actionable insights on starting your investment journey, balancing short- and long-term financial goals, and planning for retirement—all tailored to the unique challenges women face today. Whether you’re just starting to invest or looking to refine your financial strategy, this episode is packed with expert advice to set you up for success in the new year. Get the Monthly Budget Planner by In Her Wallet Connect with Michelle Munro on LinkedIn Check out Fidelity Investments Canada Disclaimer: The views in this recording are the personal views of both speakers and should not be taken as the views of Fidelity Investments Canada. This commentary is provided for general informational purposes only and does not constitute financial, investment, tax, legal or accounting advice nor does it constitute an offer or solicitation to buy or sell any securities referred to. Individual circumstances and current events are critical to sound investment planning; anyone wishing to act on this article should consult with his or her advisor. Neither Fidelity Investments Canada nor any of its affiliates, nor any other person accepts any liability whatsoever for any direct or consequential loss arising from any use of this podcast, the information contained herein or the associated report on which this podcast is based.

In episode 84 of the In Her Wallet podcast, my sister Aleksa takes over the mic to interview me ahead of my 29th birthday! We’re talking about my favourite life hacks, what’s on my dopamine menu, behind-the-scenes insights from wedding planning, and my plans and vision for 2025. It’s a mix of reflection, vulnerability, and inspiration that I hope will resonate with you. My hope is that the lessons and hacks I share in this episode will inspire you and give you some fresh ideas as you plan for your own 2025 goals. Let’s celebrate growth, new beginnings, and embracing life fully—together! Links: Try Open App with my 30-day free trial link Get the Monthly Budget Planner by In Her Wallet