Angie Raymond - Financial Coach & Advisor

Angie Raymond - Financial Coach & Advisor Helping individuals and families understand where they stand financially, identify opportunities to save, and build a clear plan moving forward.

06/12/2026

𝑾𝒉𝒂𝒕 π’Šπ’” 𝒐𝒏𝒆 π’Žπ’π’π’†π’š π’„π’π’π’—π’†π’“π’”π’‚π’•π’Šπ’π’ π’šπ’π’– π’˜π’Šπ’”π’‰ π’šπ’π’– 𝒉𝒂𝒅 𝒔𝒕𝒂𝒓𝒕𝒆𝒅 π’†π’‚π’“π’π’Šπ’†π’“ π’˜π’Šπ’•π’‰ π’šπ’π’–π’“ π’Œπ’Šπ’…π’”?⁣
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Summer tends to open up a little more space for real conversations. The routines shift, kids are around more, and there is something about having a bit of breathing room that makes it easier to talk about things that matter.⁣
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Money is one of those things most of us did not grow up talking about openly. And a lot of parents I speak with say they want to start those conversations with their own kids but are not sure where to begin, or worry they will say the wrong thing.⁣
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The truth is, it does not have to be complicated. Kids do not need a course. They just need someone to make money feel like a normal topic rather than a mystery.⁣
I have been working on something for exactly this, a free guide for families that breaks it down by age and makes it easy to start. It is almost ready and I will be sharing it here very soon.⁣
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In the meantime, I am curious: what is one thing you wish someone had taught you about money before you had to learn it the hard way? 𝑫𝒓𝒐𝒑 π’Šπ’• π’Šπ’ 𝒕𝒉𝒆 π’„π’π’Žπ’Žπ’†π’π’•π’”.⁣
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𝑢𝒏𝒆 𝒓𝒖𝒍𝒆. 𝑫𝒐𝒖𝒃𝒍𝒆𝒔 π’šπ’π’–π’“ π’Žπ’π’π’†π’š. 𝑴𝒐𝒔𝒕 𝒑𝒆𝒐𝒑𝒍𝒆 𝒉𝒂𝒗𝒆 𝒏𝒆𝒗𝒆𝒓 𝒉𝒆𝒂𝒓𝒅 𝒐𝒇 π’Šπ’•.⁣⁣The Rule of 72 is one of the simplest tools in person...
06/10/2026

𝑢𝒏𝒆 𝒓𝒖𝒍𝒆. 𝑫𝒐𝒖𝒃𝒍𝒆𝒔 π’šπ’π’–π’“ π’Žπ’π’π’†π’š. 𝑴𝒐𝒔𝒕 𝒑𝒆𝒐𝒑𝒍𝒆 𝒉𝒂𝒗𝒆 𝒏𝒆𝒗𝒆𝒓 𝒉𝒆𝒂𝒓𝒅 𝒐𝒇 π’Šπ’•.⁣
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The Rule of 72 is one of the simplest tools in personal finance, and almost nobody learns it in school.⁣
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Here is how it works: divide 72 by your expected annual rate of return, and the result tells you roughly how many years it will take to double your money.⁣
At 6% return, your money doubles in about 12 years. At 9%, closer to 8 years. At 12%, around 6 years.⁣
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This rule does not require a spreadsheet or a financial calculator. It is a quick way to understand the power of consistent investing over time, and why starting earlier matters more than starting with a larger amount.⁣
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A teenager who understands this concept thinks differently about money. Not because they have more of it, but because they can see where it goes when it is working for them.⁣
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I have been putting together a free resource for parents and teens on exactly this kind of foundational money knowledge. It is almost ready and I will be sharing it here soon.⁣
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If this is the kind of content you find useful, follow the page so you do not miss it when it goes live.⁣
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𝑻𝒉𝒂𝒕 $1,000 𝒑𝒖𝒓𝒄𝒉𝒂𝒔𝒆 π’Žπ’Šπ’ˆπ’‰π’• π’‚π’„π’•π’–π’‚π’π’π’š 𝒄𝒐𝒔𝒕 π’šπ’π’– $1,400.⁣⁣Here's something worth understanding before your teen gets their f...
06/08/2026

𝑻𝒉𝒂𝒕 $1,000 𝒑𝒖𝒓𝒄𝒉𝒂𝒔𝒆 π’Žπ’Šπ’ˆπ’‰π’• π’‚π’„π’•π’–π’‚π’π’π’š 𝒄𝒐𝒔𝒕 π’šπ’π’– $1,400.⁣
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Here's something worth understanding before your teen gets their first credit card.⁣
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When you carry a balance on a credit card and only make the minimum payment, the interest keeps adding up. A $1,000 purchase at 20% interest, paid off slowly over time, can end up costing you significantly more than what you originally spent. The gap between what you bought and what you actually paid is money that went straight to the lender.⁣
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This is not a reason to avoid credit. Credit is a tool, and like any tool, it works well when you know how to use it. The problem is that most of us were never taught the basics before we were handed the card.⁣
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Understanding interest, minimum payments, and the true cost of carrying a balance is one of the most practical money skills a young person can have. And it is one of the things I cover in a free guide I put together specifically for parents and teens. It is almost ready to go out, so stay tuned.⁣
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In the meantime, if you have a teen at home and this landed, feel free to share it.⁣
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𝑾𝒆 𝒍𝒆𝒂𝒓𝒏𝒆𝒅 𝒕𝒐 𝒔𝒐𝒍𝒗𝒆 𝒇𝒐𝒓 𝒙. π‘΅π’π’ƒπ’π’…π’š π’•π’‚π’–π’ˆπ’‰π’• 𝒖𝒔 π’‰π’π’˜ π’Žπ’π’π’†π’š π’‚π’„π’•π’–π’‚π’π’π’š π’˜π’π’“π’Œπ’”.⁣⁣Most of us were never actually taught about money...
05/29/2026

𝑾𝒆 𝒍𝒆𝒂𝒓𝒏𝒆𝒅 𝒕𝒐 𝒔𝒐𝒍𝒗𝒆 𝒇𝒐𝒓 𝒙. π‘΅π’π’ƒπ’π’…π’š π’•π’‚π’–π’ˆπ’‰π’• 𝒖𝒔 π’‰π’π’˜ π’Žπ’π’π’†π’š π’‚π’„π’•π’–π’‚π’π’π’š π’˜π’π’“π’Œπ’”.
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⁣Most of us were never actually taught about money.⁣
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We learned to read, write, and solve for x. But somehow we graduated, got jobs, and had to figure out budgeting, debt, saving, and investing entirely on our own, usually by making mistakes first.⁣
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So I'm curious, and I think the answers will be telling.⁣
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What's one thing about money you wish someone had taught you when you were a kid?⁣
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Maybe it's how credit cards actually work. Maybe it's that saving a little early beats saving a lot later. Maybe it's just that it's okay to talk about money instead of treating it like a secret.⁣
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Drop it in the comments. I have a feeling a lot of us are going to see ourselves in each other's answers, and your answer might be exactly the thing another parent needed to hear before they teach their own kids.⁣
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I actually built something for this, a guide for parents who want to teach their kids the money stuff we never learned. I'll share it soon. Sneak peek in the graphic!⁣
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𝑻𝒉𝒆𝒓𝒆'𝒔 𝒂 π’˜π’‚π’š 𝒕𝒐 𝒕𝒆𝒂𝒄𝒉 π’šπ’π’–π’“ π’Œπ’Šπ’… 𝒂𝒃𝒐𝒖𝒕 π’Žπ’π’π’†π’š 𝒕𝒉𝒂𝒕 π’•π’‰π’†π’š'𝒍𝒍 π’•π’‰π’Šπ’π’Œ π’Šπ’” 𝒋𝒖𝒔𝒕 𝒂 π’ˆπ’‚π’Žπ’†.⁣⁣⁣⁣Every time your child gets money, whet...
05/27/2026

𝑻𝒉𝒆𝒓𝒆'𝒔 𝒂 π’˜π’‚π’š 𝒕𝒐 𝒕𝒆𝒂𝒄𝒉 π’šπ’π’–π’“ π’Œπ’Šπ’… 𝒂𝒃𝒐𝒖𝒕 π’Žπ’π’π’†π’š 𝒕𝒉𝒂𝒕 π’•π’‰π’†π’š'𝒍𝒍 π’•π’‰π’Šπ’π’Œ π’Šπ’” 𝒋𝒖𝒔𝒕 𝒂 π’ˆπ’‚π’Žπ’†.⁣⁣
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Every time your child gets money, whether it's allowance, birthday cash, or money they earned helping a neighbour, it gets divided into three jars. Save, Spend, and Give.⁣⁣
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Spend is for the things they want right now. Save is for something bigger they're working toward, a goal they pick themselves. Give is for others, a birthday gift for a friend, a Christmas present for someone they love, or a cause they care about.⁣⁣
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It sounds almost too simple, but that's the point. A six-year-old can't follow a budgeting app, but they can physically drop coins into three labelled jars. They can see the Save jar filling up. They feel the trade-off when the Spend jar empties and the toy they wanted is still out of reach.⁣⁣
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What you're really teaching isn't math. It's that money is finite, that choices have consequences, and that you can plan for what matters instead of spending on impulse. Those are the same principles that decide whether someone thrives or struggles with money at forty. We just teach them at six, with jars, before the stakes get high.⁣⁣
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And the Give jar teaches something the others can't. When a child buys a gift for someone with money they set aside themselves, they learn early that money is also a way to show people you care.⁣⁣
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π‘»π’‰π’Šπ’” π’Šπ’” 𝒐𝒏𝒆 𝒐𝒇 𝒕𝒉𝒆 π’”π’Šπ’Žπ’‘π’π’†π’”π’• π’Šπ’…π’†π’‚π’” π’‡π’“π’π’Ž 𝒂 𝑭𝑹𝑬𝑬 π’ˆπ’–π’Šπ’…π’† 𝑰 𝒑𝒖𝒕 π’•π’π’ˆπ’†π’•π’‰π’†π’“ 𝒇𝒐𝒓 𝒑𝒂𝒓𝒆𝒏𝒕𝒔 𝒐𝒏 π’•π’†π’‚π’„π’‰π’Šπ’π’ˆ π’Œπ’Šπ’…π’” 𝒂𝒃𝒐𝒖𝒕 π’Žπ’π’π’†π’š. 𝑴𝒐𝒓𝒆 𝒐𝒏 𝒕𝒉𝒂𝒕 𝒔𝒐𝒐𝒏.⁣
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I got a message this week from a former client.⁣⁣She reached out just to say how much they loved working with me, and ho...
05/22/2026

I got a message this week from a former client.⁣
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She reached out just to say how much they loved working with me, and how thrilled she was to hear I was back in financial services.⁣
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That message meant a lot.⁣
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This work has never been about products or portfolios for me. Anyone can learn the technical side of financial planning. What you can't teach is genuinely caring about the person sitting across from you. Wanting to understand their life, their fears, their goals, and what is keeping them up at night.⁣
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The advisors who make a real difference are the ones who show up with both knowledge and heart. Who treat every client like a person first and a file second.⁣
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That message reminded me why I came back.⁣
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If you have ever felt like just a number with a financial advisor, I want you to know that is not how this has to feel. There is a different way to do this.⁣
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My door is always open.⁣
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05/18/2026

Let me bust a few money myths that come up constantly in my conversations.⁣
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'𝑰 𝒏𝒆𝒆𝒅 𝒕𝒐 𝒃𝒆 𝒅𝒆𝒃𝒕-𝒇𝒓𝒆𝒆 𝒃𝒆𝒇𝒐𝒓𝒆 𝑰 𝒔𝒕𝒂𝒓𝒕 π’Šπ’π’—π’†π’”π’•π’Šπ’π’ˆ.' ⁣
Not true. Waiting costs you compounding time you can never get back. Both can happen at once with the right plan.⁣
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'π‘³π’Šπ’‡π’† π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’Šπ’” π’π’π’π’š 𝒇𝒐𝒓 𝒐𝒍𝒅𝒆𝒓 𝒑𝒆𝒐𝒑𝒍𝒆.' ⁣
Actually the younger and healthier you are, the cheaper it is. Locking in young is one of the smartest financial moves you can make.⁣
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'𝑰 𝒅𝒐𝒏'𝒕 π’Žπ’‚π’Œπ’† π’†π’π’π’–π’ˆπ’‰ 𝒕𝒐 𝒏𝒆𝒆𝒅 𝒂 π’‡π’Šπ’π’‚π’π’„π’Šπ’‚π’ 𝒑𝒍𝒂𝒏.' ⁣
A plan is not about how much you have. It is about making the most of what you do have, at every income level.⁣
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Which one do you think is the most common? Drop it in the comments.⁣
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I've had so many conversations that start the same way.Someone sits across from me, or hops on a call, and within the fi...
05/15/2026

I've had so many conversations that start the same way.

Someone sits across from me, or hops on a call, and within the first few minutes they say some version of 'I feel like I should know this already' or 'I'm embarrassed to even ask.'

And I always want to say the same thing back: you weren't taught this. None of us really were. Financial literacy isn't a mandatory part of the curriculum. The assumption is that somehow, between living with your parents and launching into adult life, you'll just figure out tax-free savings accounts and debt payoff strategies and what insurance you actually need.

Most people don't figure it out. They just get older while feeling quietly behind.

You're not behind. You just need someone to actually explain it. That's literally what I'm here for.

What's one financial concept you wish someone had explained to you earlier? Drop it in the comments.

Most people have never heard of the FHSA. That's not their fault; it launched in 2023, and it barely got any attention.H...
05/13/2026

Most people have never heard of the FHSA. That's not their fault; it launched in 2023, and it barely got any attention.

Here's what it is: a registered account specifically for first-time home buyers. You contribute up to $8,000 a year, get the tax deduction now, the money grows tax-free inside, and when you use it for a first home purchase, you take it out tax-free. No other account in Canada does all three.

The contribution room starts building the year you open the account. Not the year you start contributing, the year you open it. So even if you can't put much in right now, opening it costs you nothing and protects your room.

NOTE: If you haven't owned a home in the last 4 years AND you have maxed out your RRSP room - here is a loophole!

Drop a comment or send me a message if you want to know more. Happy to walk through it.

05/08/2026

π‘Ίπ’π’Žπ’† π’Žπ’π’Žπ’†π’π’•π’” π’Šπ’ π’π’Šπ’‡π’† 𝒋𝒖𝒔𝒕 π’‰π’Šπ’• π’…π’Šπ’‡π’‡π’†π’“π’†π’π’•π’π’š.⁣
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πŸ πŸ”‘ You sign the papers on your first home and suddenly the mortgage feels very real.⁣
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🍼🧸 You hold your baby for the first time and think about everything you want to give them.⁣
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πŸͺœπŸ’° You get the promotion and realize you have no idea what to do with the extra income.⁣
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πŸ’”β“You lose someone, and it changes how you see everything, including your own plan.⁣
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These are the moments that make people stop and think about their finances. Not because someone told them to. Because life made it impossible to ignore.⁣
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I work with people at all of these stages. And the ones who reach out in those moments almost always say the same thing: 𝑰 π’˜π’Šπ’”π’‰ 𝑰 𝒉𝒂𝒅 𝒅𝒐𝒏𝒆 π’•π’‰π’Šπ’” 𝒔𝒐𝒐𝒏𝒆𝒓.⁣
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Which moment was it for you? Or which one do you think will be the one that finally makes you take action?⁣
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Drop it in the comments. I'd genuinely love to know.⁣
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And if someone in your life is going through one of these moments right now, feel free to share this or send them my way. Sometimes the best thing you can do for someone you love is point them in the right direction.⁣
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