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Jay Forbes - Financial Services, 620 2nd Street SE suite 101, Medicine Hat, AB (2026)

10/09/2026

🍁 FINANCIALLY FIT FRIDAY — WEEK #24 🍁

WHAT IF YOUR GREATEST WEALTH ISN’T IN YOUR BANK ACCOUNT?

With Thanksgiving just around the corner, I thought we’d do something a little different this Financially Fit Friday.

Let’s talk about GRATITUDE. ❤️

We spend so much of our lives working toward more.

More income.
More savings.
A bigger home.
A better retirement.
More financial security.

And there’s absolutely nothing wrong with wanting to improve our financial future.

But sometimes, in our pursuit of more, we forget to appreciate what we already have.

Think about it for a moment.

When we gather around the Thanksgiving table, what are we really thankful for?

Is it the balance in our bank account?

Or is it the people sitting around that table?

The laughter. The conversations. The memories. The people who have stood beside us through life’s ups and downs.

Maybe it’s our health.

Maybe it’s the opportunity to wake up tomorrow and try again.

Maybe it’s simply having someone to share a cup of coffee with.

Some of the most valuable things in our lives don’t come with a price tag.

And that’s something worth remembering.

Here’s where I believe gratitude and financial fitness come together.

The purpose of building financial wealth isn’t simply to have more money. It’s to create more opportunities to enjoy the things we’re already grateful for.

More time with family.

More freedom to make choices.

More opportunities to create memories.

More peace of mind knowing we’re preparing for tomorrow while still enjoying today.

Because what good is building a financial future if we forget to enjoy the life we’re living along the way?

And perhaps that’s one of the greatest lessons gratitude teaches us.

Being grateful for what we have doesn’t mean we stop striving for more. It means we remember WHY we’re striving in the first place.

This Thanksgiving, I encourage you to take a moment.

Look around the table.

Think about the people in your life.

Reflect on the experiences that have shaped you and the opportunities still ahead.

And remember…

🍁 Before we count what we have, let’s appreciate WHO we have.

Because true wealth isn’t always measured in dollars.

Sometimes it’s measured in moments. ❤️

So here’s my Financially Fit Friday question this week:

👉 What’s ONE thing you’re especially grateful for this Thanksgiving?

I’d genuinely love to hear your answers.

Let’s start the conversation.

Wishing everyone a wonderful Thanksgiving weekend filled with gratitude, connection, and the people who make your life rich. 🍁🦃

09/25/2026

FINANCIALLY FIT FRIDAY — WEEK #22

“I’LL START WHEN I HAVE MORE MONEY.”

Have you ever said that?

“When I make a little more, I’ll start saving.”
“Once I get this debt paid off, I’ll start investing.”
“When things settle down, I’ll start planning for retirement.”

The problem is… life doesn’t seem to settle down very often. 😄

There’s always another bill.
Another expense.
Another reason why next month might feel like a better time to start.

But what if we’ve been looking at it backwards?

What if you don’t need more money to start?

What if STARTING is how you get there?

Think about physical fitness.

Nobody walks into a gym on Day 1 already fit.

You start where you are.

Maybe it’s a 10-minute walk.
Maybe it’s one workout.
Maybe it’s simply deciding that today is going to be different than yesterday.

And then you do it again.

Financial fitness isn’t that different.

It might be your first automatic savings contribution.

An extra payment toward a debt.

Building your first $500 emergency cushion.

Learning what you actually own.

Opening an account you’ve been putting off.

Or simply sitting down and having that first financial conversation.

None of those things by themselves may feel life-changing.

But they create something incredibly powerful:

MOMENTUM.

And momentum has a funny way of changing what we believe we’re capable of.

START SMALL.
You don’t have to change everything today.

STAY CONSISTENT.
Small actions repeated over time can become strong habits.

BUILD MOMENTUM.
As your habits improve, your options can begin to improve with them.

Here’s what I want you to remember this Friday:

You don’t become financially ready and then start.
Sometimes you start—and that’s how you become financially ready.

You don’t need the perfect income.

You don’t need the perfect plan.

And you certainly don’t need to have everything figured out.

You just need a starting line.

So here’s this week’s question:

👉 What’s ONE small financial move you could make this week?

Not next year.

Not when you make more money.

This week.

Because financial fitness isn’t something you find.

It’s something you build.

Let’s start the conversation.

09/18/2026

FINANCIALLY FIT FRIDAY — WEEK #21

WHO TAUGHT YOU ABOUT MONEY?

Think about that question for a second.

Who actually taught you about money?

Was it your parents?
A teacher?
A mentor?

Or, like a lot of us, did you learn through experience, mistakes, trial and error… and a few lessons you probably wish you could have learned a little cheaper? 😄

We learn math in school.
We learn science, history and geography.

But many of us enter adulthood without ever really learning how to manage money.

How to save.
How credit and interest work.
How to invest.
How to protect what we’re building.
How to plan for the future.

And here’s something I’ve come to realize:

We don’t only inherit money.
Sometimes we inherit beliefs about money.

Maybe you grew up hearing:

“We can’t afford that.”
“Investing is for wealthy people.”
“Debt is just part of life.”
“I’ll worry about retirement later.”
Or even… “I’m just not good with money.”

The interesting thing is, we can carry those beliefs for years without ever stopping to ask:

Do I actually believe this—or is this simply what I learned?

That’s one of the things I love about financial literacy.

The more educated we become, the more aware we become.

And with awareness comes the opportunity to decide which money lessons we want to keep… and which ones we want to rewrite.

But there’s another side to this conversation.

What are WE teaching the next generation?

They’re watching us.

They’re listening to how we talk about money.
They’re seeing how we save, spend and make decisions.

We don’t have to teach our kids everything about investing tomorrow.

Maybe we simply start with:

Earn. Save. Give. Spend intentionally. Ask questions. Learn. Start early.

Because some of the greatest things we leave the next generation may never appear in a will.

**SOME INHERITANCES AREN’T MONEY.

THEY’RE MONEY HABITS.**

So this Financially Fit Friday, I have one question for you—and I’d genuinely love to hear the answers:

👉 What is ONE thing you wish someone had taught you about money when you were younger?

Let’s start the conversation.

Maybe something you learned the hard way can become something someone else learns the easier way.

09/16/2026

SEPTEMBER IS LIFE INSURANCE AWARENESS MONTH

We protect our phones.

We insure our cars.

We buy warranties for our computers, televisions and appliances.

Yet many people never protect the one thing that makes everything else possible—themselves.

Why is that?

One reason is that talking about life insurance means thinking about something uncomfortable. It is easier to tell ourselves, “I’ll deal with it later.”

Another reason is that many people assume life insurance will be too expensive—without ever taking the time to explore their options.

But waiting comes with a cost.

Your age and health can affect your available options and what you pay. That is why I often say:

The cheapest life insurance is the policy you put in place today.

The most expensive life insurance is the one you try to get one day too late.

Here is the difference:

If your phone breaks, you can replace it.

If your computer stops working, you can buy another one.

If your car is damaged, it can be repaired.

But if you are no longer here, your income, care and contribution to your family cannot simply be replaced.

Life insurance isn’t really about protecting your life—it’s about protecting the people whose lives would be financially affected by your absence.

It can help provide money to:

🏡 Pay the mortgage
💳 Eliminate debt
🛒 Replace lost income
🎓 Support your children’s future
🕊️ Cover final expenses
❤️ Give your family time to grieve without immediate financial pressure

We routinely protect things worth a few thousand dollars.

Shouldn’t we also protect the people, income and future worth so much more?

This September, take a few minutes to understand what you have, what you may need and what options are available.

If you are unsure where to begin, message me the word “PROTECT.”

I would be happy to provide a complimentary protection review and explain your options in plain language—with no pressure and no obligation.

Because the things you own matter.

But the people you love matter so much more.

09/11/2026

FINANCIALLY FIT FRIDAY — WEEK #20

RETIREMENT ISN’T AN AGE.

IT’S A NUMBER.

Most people say:

“I want to retire at 60.”
“I want to retire at 65.”

But age alone doesn’t tell you whether you’re financially ready.

The better question is:

“How much income will I need to live the life I want — and what will it take to create it?”

That changes the conversation completely.

Retirement isn’t just about reaching a birthday.

It’s about understanding:

Your desired lifestyle.
Your monthly income needs.
Your existing savings and investments.
Workplace pensions.
CPP and OAS.
Inflation.
How long your money may need to last.

And then bringing all of those pieces together.

Because two people can both retire at 65…

But one may be completely prepared.

The other may simply have reached 65.

There’s a difference.

Financial fitness means knowing what you’re actually working toward.

Not just:

“Someday I’ll retire.”

But:

“Here’s what retirement means to me. Here’s what it may cost. And here’s the plan I’m building to get there.”

That’s clarity.

And clarity can turn a vague dream into something measurable.

So here’s this week’s question:

Do you know your retirement age… or do you know your retirement NUMBER?

You don’t need to have every answer today.

But knowing what you’re aiming for is a powerful place to start.

Let’s start the conversation.

Because retirement shouldn’t be a date you hope works out.

It should be a destination you’re intentionally preparing for.

08/29/2026

Financially Fit Friday Series — Week #18

THE RULE OF 72 HAS AN EVIL TWIN. 😈

Last Friday, we talked about something pretty incredible.

The Rule of 72.

We learned how this simple calculation can give us a rough idea of how long it may take money to double at a given rate of return.

But here’s the part we didn’t talk about…

The Rule of 72 works in the OTHER direction too.

And this time, we’re talking about inflation.

We all feel inflation.

At the grocery store.

At the gas pump.

At restaurants.

Utilities.

Insurance.

Travel.

Almost everywhere we spend money.

But inflation isn’t simply about things becoming more expensive.

There’s another way to look at it:

Your money is buying LESS.

That’s purchasing power.

And here’s where the Rule of 72 becomes really interesting.

Take 72 and divide it by an assumed inflation rate, and you get a rough estimate of how long it could take for prices to double — which is another way of saying the purchasing power of a fixed dollar amount could effectively be cut in half.

At 3% inflation → approximately 24 years

At 4% → approximately 18 years

At 6% → approximately 12 years

At 8% → approximately 9 years

Think about that for a second.

Imagine something costs $100 today.

If prices rose at a constant 4% per year, the Rule of 72 suggests that same basket could cost roughly $200 about 18 years from now.

Your $100 didn’t disappear.

It just doesn’t buy what it used to.

And THAT is why understanding the difference between saving and investing matters so much.

Remember Week #16?

Some money needs to be safe and accessible.

Absolutely.

Emergency funds and short-term money have an important job.

But money intended for 10, 20 or 30 years from now has a different challenge.

It doesn’t just need to survive.

It needs to maintain purchasing power.

And potentially grow beyond it.

That’s the battle happening quietly in the background:

COMPOUNDING can work FOR you.

INFLATION can work AGAINST you.

Both involve time.

Both compound.

And neither particularly cares whether we’re paying attention.

That’s why financial literacy matters.

It’s not about chasing the highest return.

It’s not about taking unnecessary risk.

It’s about understanding what your money needs to accomplish — today AND tomorrow.

So here’s this week’s question:

Is your long-term money growing… or is inflation quietly catching it?

If you’re not sure, maybe that’s a conversation worth having.

Let’s start the conversation.

Because your future isn’t only about how many dollars you’ve accumulated.

It’s about what those dollars will actually BUY.

If this taught you something, drop a 👍 or share it with someone who might never have thought about inflation this way.

06/26/2026

Financially Fit Friday Series – Week #10
Time Is Your Greatest Investment

This one has been sitting heavily with me for a while now so,

If this message resonates with you, drop a 👍, share it with someone who needs to hear it, and let's help more people start planning for their future.

If I could give every young person one financial gift, it wouldn't be money...

It would be time.

I'm seeing this more and more every day.

People often believe they need to make a lot of money before they can start investing.

The truth is...

The amount you start with is important.

But when you start is often even more important.

Time is one of the few things in life you can never get back.

And when it comes to building wealth, it can become your greatest asset.

The earlier you begin, the more opportunity your money has to grow through the power of consistency and compounding.

You don't need thousands of dollars.

You need a plan.

A purpose.

And the discipline to stay consistent.

Too many people wait for the "perfect time."

After the promotion.

After the kids are older.

After the debt is gone.

After they make a little more money.

But while you're waiting...

Time keeps moving.

Financial fitness isn't about trying to get rich overnight.

It's about making small, intentional decisions today that your future self will thank you for.

A contribution this month.

Another one next month.

Then another.

Over time, those small decisions have the potential to become something remarkable.

This is why financial literacy matters.

The more you understand how money works, the more you begin to realize that wealth is rarely built through one big decision.

It's built through consistency.

One deposit.

One investment.

One conversation.

One better decision at a time.

So don't let the size of your first step stop you from taking it.

Because money works for everyone...

But time only works for those who start.

Let's start the conversation — whether you're just beginning your investment journey or looking to make your money work harder, there is no better time than today to build a plan for tomorrow.

06/19/2026

Financially Fit Friday Series — Week #9
You're Closer Than You Think

Have you ever noticed that most people are incredibly hard on themselves when it comes to money?

I am seeing this more and more everyday!

They focus on the debt they still have.

The goals they haven't reached.

The investments they haven't started.

The retirement account that isn't big enough.

The mistakes they made years ago.

And because of that, they completely overlook the progress they've already made.

The truth is, financial success is not built in giant leaps.

It's built in small steps.

The first budget.

The first savings account.

The first investment.

The first insurance policy.

The first debt paid off.

The first conversation that changes the way you think about money.

Every one of those moments matters.

Too often, people believe they need to have everything figured out before they can move forward.

You don't.

You just need to take the next step.

Because momentum is powerful.

A small step today becomes confidence tomorrow.

Confidence becomes action.

Action becomes habits.

And habits become results.

This is why financial literacy is so important.

Not because it makes you perfect.

But because it helps you make better decisions one step at a time.

So if you've been feeling behind, discouraged, or overwhelmed, remember this:

You do not have to win the entire game today.

You just have to keep moving forward.

One step.

One decision.

One conversation at a time.

Because the life you want financially is often much closer than you think.

Let's start the conversation — where are you today, and what's the next financial step that would move you forward?

06/12/2026

Financially Fit Friday Series — Week #8

You’re not investing… you’re guessing.

And if any of this resonates with you, do me a favour — drop a like, share this with someone who may need it, and let’s help more people start asking better questions about their money.

That may sound a little direct, but let’s be honest.

A lot of people are putting money into things they do not fully understand because they heard it was a good idea.

A stock someone mentioned.
A hot tip online.
A trend everyone is talking about.
A fund they picked once and never reviewed.
A random investment with no real plan behind it.

And here is the problem:

Hoping something goes up is not a strategy.

Investing should not be based on emotion, hype, panic, or guessing.

It should be connected to a bigger picture.

What is the money for?
When do you need it?
How much risk are you comfortable with?
Is it for retirement?
A home?
Education?
Long-term wealth?
Family security?

Those questions matter.

Because the right investment is not just about returns.

It is about matching your money to your goals, your timeline, your risk tolerance, and your overall financial plan.

That is where financial literacy comes in.

The more you understand how investing works, the more confident you become in making decisions that are actually aligned with your future.

Being financially fit is not about chasing the next big thing.

It is about building a strategy.

A strategy with purpose.
A strategy with consistency.
A strategy that helps your money work toward something meaningful.

So before you invest based on a hunch, a headline, or someone else’s excitement, take a step back and ask:

Does this actually fit my plan?

Let’s start the conversation — a quick review may help you understand whether your investments are working with a strategy, or simply running on guesswork.

06/05/2026

Financially Fit Friday Series — Week #7

Before you say yes to mortgage insurance, ask one question:

Does this protect the lender… or does it protect my family?

There is a big difference.

This is a conversation a lot of homeowners and new buyers do not fully understand.

When you are buying a home, mortgage insurance is often brought up quickly during the mortgage process. It can sound simple, convenient, and like the obvious thing to say yes to.

But before you say yes, it is important to understand what you are actually buying.

Mortgage insurance is usually designed to protect the mortgage.

That means if something happens, the money often goes toward paying the lender, not directly to your family. And as your mortgage balance goes down, the amount being protected may also go down.

So the question becomes:

Is the mortgage protected…
or is your family protected?

With a personal life insurance policy, the benefit is paid to your chosen beneficiary. That gives your family options.

They may choose to pay off the mortgage.
They may choose to cover bills.
They may need income replacement.
They may need money for funeral costs, childcare, debt, or simply breathing room.

The point is FLEXIBILITY.

Your family gets to make the decision based on what they need most at that time.

That is why this topic matters.

Mortgage insurance and personal life insurance are not always the same thing.

One may be tied to the lender and the mortgage.
The other can be owned by you, controlled by you, and designed around your family’s bigger picture.

This is not about fear.
It is about education.

It is about understanding the difference before making a decision that could impact the people you love most.

Being financially fit means asking better questions.

Not just, “Do I have coverage?”

But:

Who owns it?
Who gets paid?
Does the coverage stay level?
Is it portable?
Does it provide FLEXIBILITY?
Does it protect the mortgage only, or does it protect my family’s overall needs?

A home is one of the biggest purchases most people will ever make.

Protecting it matters.

But protecting your family matters even more.

Let’s start the conversation — if you have mortgage insurance, are buying a home, or are not sure what type of coverage you have, this is worth reviewing before life forces the question.

Jay Forbes - Financial Services

10/09/2026

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