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10/02/2026

🔥 Stocks, gold, and the dollar are stuck - no trend, no momentum. Mixed data has bulls and bears cancelling each other out.

But the quiet won’t last.Countdown to the Dec 10 Fed meeting… and three more banks follow: RBA, BoC, SNB.

Four central banks in one week = ranges ready to break. Volatility incoming. Be prepared.

10/02/2026

I thought the Boca Day Trade Summit would be about markets and setups.
Instead, it was about people.
One trader started by making $100 to $200 a day… and turned it into an $80K withdrawal and a down payment on a duplex 🏠
The discipline and quiet consistency in that room inspired me so much.
The honesty, generosity, and connection blew me away ❤️
I left more inspired than I arrived 🙏 Looking forward to our next event

No one ever regrets learning about money 💵 they only regret not starting sooner.I know how awkward it can feel to talk a...
14/08/2025

No one ever regrets learning about money 💵 they only regret not starting sooner.

I know how awkward it can feel to talk about money, especially when you're unsure, overwhelmed, or feel like you should have it all figured out by now.

😅 Money has long been considered a taboo topic, and for many of us, asking for help can feel uncomfortable or even shameful.

But once you move past that first step? Your entire world opens up.

🔥You start learning. You start growing. And soon, you’re seeing real momentum, whether it’s managing your money better, building wealth through consistent investing, or finally feeling confident about your financial future.

The truth is: the earlier you start, the better. 𝑩𝒖𝒕 𝒊𝒕’𝒔 𝒏𝒆𝒗𝒆𝒓 𝒕𝒐𝒐 𝒍𝒂𝒕𝒆.

👉 If you’re ready to start shifting the trajectory of your financial life, I’d love to support you. Book a complimentary Clarity Call (link’s in my bio!) and let’s find out where I can help most.

Much Love, Gratitude, and MONEY! 🐷
💜𝑴𝒊𝒄𝒉𝒆𝒍𝒍𝒆

🤔Life is about choices. This one is a $2,099,971 choice. What will you choose?That’s how much the items in this graphic ...
24/07/2025

🤔Life is about choices. This one is a $2,099,971 choice. What will you choose?

That’s how much the items in this graphic could be worth if you invested the money instead.

❌Not forever.
❌Not for 100 years.
✅Just over the next 30.

And listen, I get it. You’ll spend some money on these things. But the point is to make intentional choices.

➡️ A $65,000 SUV sounds sexy, right? But a $25K ride gets you there just the same, and investing the difference could grow into over half a million dollars.

➡️ Eating out weekly feels like joy & less stress. But cutting it in half? You’ll still eat well & build wealth.

👉 Cable, unused gym memberships, impulse buys? There are cheaper, joyful alternatives that don’t drain your future.

But let me be VERY clear...
Life is meant to be enjoyed. You’re not here to penny-pinch your way to the grave.

💰The secret? Many of the choices we make don’t actually lower our enjoyment now, and they set you up to enjoy life way more later.

𝐓𝐫𝐲 𝐭𝐡𝐞𝐬𝐞 𝟑 𝐢𝐧𝐭𝐞𝐧𝐭𝐢𝐨𝐧𝐚𝐥 𝐦𝐨𝐧𝐞𝐲 𝐡𝐚𝐛𝐢𝐭𝐬:

1️⃣ Ask: “What else could this money do for me?”
2️⃣ Wait 48 hours before buying.
3️⃣ Saved money? Invest the difference.

Most of us weren’t taught how to make money work for us. We were taught how to spend.

🔥But that changes here.

You don’t need a trust fund to invest. You just need a plan.
Start with $200. Start now. And let compound growth do the rest.

💥Need help?💥 𝐁𝐨𝐨𝐤 𝐲𝐨𝐮𝐫 𝐜𝐨𝐦𝐩𝐥𝐢𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐜𝐚𝐥𝐥 if you're ready to step into confident money management & learn how to build wealth intentionally.

Your future self? She’s gonna love you for this.

👉Which items on this list would you be able to cut costs on?


🌻 Good morning 🌄 🌞 ❓Looking for a simple, low-cost way to generate real income online?With just $25, you can plug into a...
22/07/2025

🌻 Good morning 🌄 🌞
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With just $25, you can plug into a proven, automated system designed to help you earn up to $500 a day Even if you’re starting from scratch!
👇🏻Comment "More info" Below

21/07/2025

Internet Monopoly money? That’s what we’ve been told.
“It’s risky. Volatile. A fad Ohhhh nooo. Don’t do that!”

💸But let’s talk about our current money system.
Is it broken? It FEELS like it. But it’s not broken. I’d say, it’s more like it’s intentionally... RIGGED.

👀Since 1970, the Canadian dollar has lost over 87% of its value. That means what cost $1 then would cost over $8 today. And if we keep printing money at this pace, your dollars will be worth half as much in the next 30–35 years.

🇨🇦 Don’t forget, the current Canadian dollar is backed by NOTHING. Not gold. Not a physical commodity. So... what value does it actually hold?

And yet we’re still told to:
✔️ Save diligently in high-interest accounts earning 2% (if you’re lucky)
✔️ Rely on pensions that may not be there
✔️ Wait until retirement to hopefully enjoy our lives

Meanwhile, inflation is doing its job. Stealing your purchasing power while you sleep.

Bitcoin offers an alternative.
✅ It’s not fiat & government-controlled.
✅ It’s limited. Only 21 million will ever exist.
✅ It’s immune to political agendas & money printing.
✅ It’s accessible. You can start with small amounts.
✅ As each day passes, it’s becoming more & more a part of our money system.

This isn’t about hype or chasing the next hot thing.
It’s about understanding how to protect your purchasing power in a system that’s designed to devalue it.

❌You don’t need to be techy.
❌You don’t need to be wealthy.
➡️ But you do need to be curious enough to ask:
𝙒𝙝𝙖𝙩 𝙞𝙛 𝙩𝙝𝙚 𝙬𝙖𝙮 𝙬𝙚’𝙫𝙚 𝙗𝙚𝙚𝙣 𝙩𝙖𝙪𝙜𝙝𝙩 𝙩𝙤 𝙗𝙪𝙞𝙡𝙙 𝙬𝙚𝙖𝙡𝙩𝙝… 𝙞𝙨 𝙤𝙪𝙩𝙙𝙖𝙩𝙚𝙙?

💥Doors to She Bitcoins close Wednesday, July 23rd.💥
This is your no-bros, no-fluff, straight-talking course to finally understand Bitcoin and how to use it with your financial strategy, not instead of it.

👉 Link in bio for details + to sign up.

Because doing nothing? That’s still a decision. And it’s costing you.

19/07/2025

ME = YOUR NEW MONEY BESTIE! 💰💜
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There are so many new faces!! 𝑯𝑬𝑳𝑳𝑶!!
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👋Welcome to my neck of the woods where we talk all things money, investing, & mindset in a judgement-free zone!
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I’m 𝑴𝒊𝒄𝒉𝒆𝒍𝒍𝒆, Canadian-born, currently living in Ontario where I recently moved back from South Africa (I even lived in Rwanda before that!).
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💳About 20 years ago, as a new CPA, I was in credit card debt (yes, even my CPA status didn’t make me a money expert), had zero assets to my name and decided I didn’t want to live like that anymore.
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So, I made the commitment to learn as much as I could about money management & investing & started making moves to turn it all around.
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✨I paid off $20K In debt, $60K for my new condo & kept climbing the corporate later, chasing bigger paycheques & bigger dreams!
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In late 2020, I decided to take a huge risk and leave my safe, comfortable corporate job to launch .moneyandmath.
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👀𝐒𝐩𝐨𝐢𝐥𝐞𝐫 𝐀𝐥𝐞𝐫𝐭: It was one of the best things I’ve ever done!
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Since then, I’ve helped hundreds of women gain the confidence to manage their money like the badasses they are!
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🔥If you’ve reached a point where you know you need to step up your money knowledge & invest, KNOW THIS: now is one the best times in history to do so!!!
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𝐉𝐨𝐢𝐧 𝐦𝐲 𝐟𝐫𝐞𝐞 𝐛𝐢-𝐰𝐞𝐞𝐤𝐥𝐲 𝐧𝐞𝐰𝐬𝐥𝐞𝐭𝐭𝐞𝐫 𝐨𝐫 𝐛𝐨𝐨𝐤 𝐚 𝐜𝐨𝐦𝐩𝐥𝐢𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐜𝐚𝐥𝐥 to explore how I might help you, 𝐮𝐬𝐢𝐧𝐠 𝐭𝐡𝐞 𝐥.𝐢.𝐧.𝐤. 𝐢𝐧 𝐦𝐲 𝐛𝐢𝐨.
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👉Please say hi below & let me know where you’re tuning in from!
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19/07/2025

You have two options.✌️

👀 Keep watching the government print more money, devalue the dollar, and quietly eat away at your purchasing power…
𝐎𝐑
💪 Learn about Bitcoin, the asset built to fight inflation, not feed it.

Here’s the truth: the money system wasn’t built for you to win.

💸 When our dollars are tied to nothing but government promises and unlimited printing, it creates a system where your savings lose value year after year.

🏦 A system where debt is encouraged, inflation is constant, and the average person feels helpless as things continue to keep getting more & more expensive.

Bitcoin isn’t just “𝒊𝒏𝒕𝒆𝒓𝒏𝒆𝒕 𝒎𝒐𝒏𝒆𝒚.”
It’s a response.
A protest.
A way to opt out of a broken system that rewards overspending and punishes those who try to play it safe.

But here’s the catch: you can’t opt out of a system you don’t understand.
And that’s exactly why I created 𝑺𝒉𝒆 𝑩𝒊𝒕𝒄𝒐𝒊𝒏𝒔.

👩‍🏫 It’s a no-fluff, crypto-bro-free course designed for women who are done waiting for permission to learn about money.

You’ll walk away knowing exactly what Bitcoin is, why it matters, how to use it safely, and how to make decisions rooted in knowledge, not fear.

Because real financial freedom starts with education.
➡️ And that education starts here.

Ready to go from confused to confident?

𝐓𝐚𝐩 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 𝐢𝐧 𝐦𝐲 𝐛𝐢𝐨 𝐭𝐨 𝐣𝐨𝐢𝐧 🪙𝐒𝐡𝐞 𝐁𝐢𝐭𝐜𝐨𝐢𝐧𝐬🪙 𝐨𝐫 𝐡𝐨𝐩 𝐨𝐧 𝐚 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐜𝐚𝐥𝐥 𝐢𝐟 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐬𝐨𝐦𝐞 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 𝐚𝐛𝐨𝐮𝐭 𝐭𝐡𝐞 𝐜𝐨𝐮𝐫𝐬𝐞.

👉And let me know... are you still trusting the system, or are you ready for a real change?

19/07/2025

Wait! There’s more...

💰Income splitting is one of those retirement strategies that can quietly save you thousands, but so many people don’t even know it’s an option.

Remember, when we talk about income, it can also include eligible pension income (think DB pensions, RRIF income) which you can split up to 50% with your spouse or common-law partner.

So, yes, you can also share CPP income, as long as you both qualify; however, it only applies to the years you’ve lived together, so if you weren’t always married or common-law, some years won’t count.

🤷‍♀️ Why bother?
Because splitting income can help you balance things out, so you both benefit from lower tax brackets and credits. It can even help reduce (or dodge!) Old Age Security clawback.

No one wants to hand more back to the government than they need to, right?

💵One thing though... income splitting doesn’t just happen automatically. You’ve got to plan for it and make that election when you file your taxes.

The way you structure your income matters more than people think & little moves like this can add up to big savings over time.

𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐦𝐚𝐧𝐚𝐠𝐞 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐥𝐢𝐤𝐞 𝐚 𝐩𝐫𝐨 𝐨𝐫 𝐰𝐚𝐧𝐭 𝐚 𝐦𝐨𝐧𝐞𝐲 𝐛𝐞𝐬𝐭𝐢𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐟𝐢𝐠𝐮𝐫𝐞 𝐢𝐭 𝐚𝐥𝐥 𝐨𝐮𝐭? 💥𝐁𝐨𝐨𝐤 𝐚 𝐜𝐨𝐦𝐩𝐥𝐢𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐜𝐚𝐥𝐥.💥 𝐋𝐢𝐧𝐤 𝐢𝐧 𝐛𝐢𝐨.

👉Is income splitting a part of your tax strategy?

19/07/2025

Never assume.❌

😱Because those assumptions may be costing you tens of thousands of dollars.

Sometimes there are no glaring signs that you might need a portfolio upgrade because you 𝐚) have a financial advisor & 𝐛) are in the green.

😬But growth doesn’t always equal great investing!!

Sure, you could have growth, but... is it optimal growth?

➡️Are you paying ridiculous fees on your investments AND to your Financial Advisor?
➡️Are you investing aggressively or conservatively enough?
➡️Are you meeting the benchmarks of the market?
➡️Do you have the right asset mix?

So many questions. But do you have the answers?
And where do you get the answers if you’re not getting them from your financial advisor?

👋Hey, hi! I’m Michelle, a Wealth Coach & Certified Financial Planner. When you work with me, you get advice that’s in YOUR best interest, not mine.

I don’t gain commissions for selling you on certain investments, my fees are upfront & clear & my goal is to give you financial clarity & make you feel comfortable in a sometimes, very awkward & uncomfortable environment.

𝐖𝐡𝐞𝐧 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐜𝐨𝐦𝐞 𝐭𝐨 𝐦𝐞 𝐟𝐨𝐫 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 𝐫𝐞𝐯𝐢𝐞𝐰𝐬, 𝐭𝐡𝐞𝐲 𝐨𝐟𝐭𝐞𝐧 𝐥𝐞𝐚𝐯𝐞 𝐫𝐞𝐯𝐢𝐞𝐰𝐬 𝐥𝐢𝐤𝐞 𝐭𝐡𝐞𝐬𝐞:

◾”I had no idea how off-track I was until Michelle broke it all down.”
◾”I had no idea I was paying so much in fees!!! I’m shocked!”
◾”I wish I did this sooner!!!”

𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐢𝐬 𝐩𝐮𝐥𝐥𝐢𝐧𝐠 𝐢𝐭𝐬 𝐰𝐞𝐢𝐠𝐡𝐭?
💥Tap the link in my bio & grab a spot in my calendar to get the ball rolling on your Portfolio Review.💥

Let’s take a REAL look at what’s going on with your investments.

👉How much do you understand besides the bottom line on your monthly portfolio statements?

🌎 Feeling a little meh about the US stock market lately? Yeah… you’re not alone.🇺🇸 With Trump back in office, trade war ...
19/07/2025

🌎 Feeling a little meh about the US stock market lately?

Yeah… you’re not alone.

🇺🇸 With Trump back in office, trade war headlines lighting up the news, and market sentiment taking a hit, it’s natural to feel a little uneasy about having all your investment eggs in one American basket. 🧺

But there’s one important thing to remember:
𝙄𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜 𝙞𝙨𝙣’𝙩 𝙖𝙗𝙤𝙪𝙩 𝙧𝙚𝙖𝙘𝙩𝙞𝙣𝙜, 𝙞𝙩’𝙨 𝙖𝙗𝙤𝙪𝙩 𝙖𝙙𝙖𝙥𝙩𝙞𝙣𝙜.

✨One smart way to play the long game while keeping your peace of mind intact? Sprinkle a little global diversification into your portfolio (especially if you don't have any!).

Global ETFs let you invest beyond the S&P 500 and tap into different regions, economies, and sectors that aren’t so closely tied to the US drama. Think Europe, Japan & emerging markets.

🔥 A few things to consider before you jump in:

→ What’s your risk tolerance? Global markets are subject to a wider range of factors that can lead to fluctuations.
→ What’s the goal for this money? Long-term growth? Passive income?
→ Do you actually understand the ETFs you’re buying? (If not, start there. Never invest in something you don’t get.)
→ Are you comfortable with the currency risks and economic differences?

And most importantly, you’ve gotta feel good about where your money’s going. Don’t invest out of fear, invest from a place of strategy.

👀Do your own research. Read up on the funds, check out their holdings, and see how they’ve performed in different market conditions.

Wish you had someone to help you decide what to do, what direction to go in or you wish you understood more about managing your money & investing?

𝐁𝐨𝐨𝐤 𝐚 💥𝐜𝐨𝐦𝐩𝐥𝐢𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐜𝐚𝐥𝐥💥 𝐮𝐬𝐢𝐧𝐠 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 𝐢𝐧 𝐦𝐲 𝐛𝐢𝐨 𝐚𝐧𝐝 𝐥𝐞𝐭’𝐬 𝐛𝐮𝐢𝐥𝐝 𝐚 𝐠𝐚𝐦𝐞 𝐩𝐥𝐚𝐧 𝐭𝐡𝐚𝐭 𝐦𝐚𝐤𝐞𝐬 𝐬𝐞𝐧𝐬𝐞 𝐟𝐨𝐫 𝐲𝐨𝐮.

👉Do you own any global investments in your portfolio right now? What percentage of your portfolio do they take up?

19/07/2025

But this isn’t about me.❌

It’s about US. 💪Women ready to take charge, make bold moves, and create the lives we deserve.

I became a Wealth Coach and Financial Planner because I saw firsthand what happens when women step into their financial power.

🔥Confidence grows. Opportunities expand. Wealth builds.

Yet, too often, we’re left out of the financial conversation. The result? Uncertainty, insecurity, and missed chances.

💰 Only 19% of women feel “very confident” they’re on track to retire comfortably—yet when we do invest, we actually outperform men.

⚡ 86% of women say investing makes them feel powerful.

This International Women’s Day, let’s commit to putting ourselves, our goals, and our future first.

And there’s no better place to start than Her Assembly where you can make Bold Moves & Brave Choices.

Join 200+ ambitious women for a day of game-changing insights, real connections, and strategies to elevate your finances, career, and confidence.

📍Where: Toronto
🗓️When: May 3, 2025 - 9am-5pm

🎟 𝐓𝐎𝐃𝐀𝐘 𝐢𝐬 𝐭𝐡𝐞 𝐋𝐀𝐒𝐓 𝐃𝐀𝐘 𝐭𝐨 💥𝐠𝐞𝐭 $𝟓𝟎 𝐨𝐟𝐟💥 𝐰𝐡𝐞𝐧 𝐲𝐨𝐮 𝐛𝐮𝐲 𝐭𝐰𝐨 𝐭𝐢𝐜𝐤𝐞𝐭𝐬. 𝐁𝐫𝐢𝐧𝐠 𝐚 𝐟𝐫𝐢𝐞𝐧𝐝, 𝐚 𝐬𝐢𝐬𝐭𝐞𝐫, 𝐚 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐛𝐞𝐬𝐭𝐢𝐞, 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐨𝐧𝐞 𝐝𝐚𝐲, 𝐨𝐧𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧, 𝐨𝐧𝐞 𝐜𝐨𝐧𝐧𝐞𝐜𝐭𝐢𝐨𝐧 𝐜𝐚𝐧 𝐜𝐡𝐚𝐧𝐠𝐞 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠.

Link in bio! Let’s make bold moves together. Offer ends at midnight.🙌

Address

Claremont

Telephone

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