Wills and estates can sound intimidating—but they don’t have to be. In this episode, Eli breaks down the basics of what a will actually is, what an estate includes, and why having a plan matters more than most families realize.

You’ll learn what happens if you don’t have a will, the key decisions every will should cover, and the common misconceptions that stop people from getting started. This episode is about understanding the foundation—so you can make informed, confident choices that protect the people you care about.

Whether you’re just starting to think about estate planning or putting it off because it feels overwhelming, this conversation makes the essentials clear, practical, and approachable.

Show Links:

Website ⁠upfinancial.ca⁠

Youtube: ⁠www.youtube.com/@elithemoneyguy⁠

TikTok ⁠tiktok.com/@elithemoneyguy⁠

Instagram ⁠instagram.com/elithemoneyguy⁠

Facebook ⁠facebook.com/upfinancial⁠

Chapters List:

00:00 Navigating Financial Support for Kids

00:32 Understanding Trusts and Estate Planning

04:03 Informal vs. Formal Trusts

07:40 Balancing Support and Independence

10:22 Planning Inheritance: When and How?

11:32 Guardianship and Child Welfare

12:41 Understanding TFSAs and RESPs

14:07 Gifting: Now vs. Later

15:45 Supporting Adult Children Financially

17:22 Instilling Financial Values in Children

The sandwich generation is exhausted—and for many immigrant and first-generation Canadian families, the pressure runs even deeper.

In this episode, Christi Rae sits down with Parween Mander (The Wealthy Wolfe) to create a practical, compassionate survival guide for parents caught between supporting aging parents, raising financially resilient kids, and trying not to sacrifice their own retirement in the process.

This conversation goes beyond budgets and spreadsheets to address the real drivers of stress: money guilt, cultural expectations, scarcity mindset, and the emotional burden, often carried by eldest daughters, to be the family’s financial anchor.

You’ll learn:

• How to set financial boundaries with parents without feeling like you’re abandoning them

• Why balancing support, savings, and retirement is essential to breaking cycles of scarcity

• How to raise cycle-breaking kids without passing down money trauma

• What it really means to move from survival mode to financial safety

This episode is a reminder that protecting your financial future isn’t selfish, it’s how long-term care for your family actually becomes possible.
Ideal for: sandwich-generation parents, immigrant families, first-generation Canadians, and anyone navigating money, boundaries, and guilt

Show Links:

Website: TheWealthyWolfe.ca

Instagram: @parween.mander

TikTok: @parweenmoneycoach

Chapter List:

00:00 Navigating Financial Pressures in Immigrant Families

02:51 Setting Financial Boundaries with Parents

05:55 Breaking the Cycle of Financial Scarcity

08:38 Teaching Kids About Money Without Trauma

11:38 Balancing Family Support and Personal Financial Goals

14:38 Understanding Collectivist vs. Individualist Cultures

16:43 Shifting from Survival Mode to Safety Mode

19:22 The Journey of a Financial Counselor

Confused about where to start with your investments?

In this episode, Christi Rae sits down with Toby Manson, CPA and certified financial planner with IG Wealth, to break down Canada’s key savings accounts: TFSA, RRSP, and FHSA.

Learn which account to open first, when to start contributing to an RRSP, and how the FHSA can help first-time homebuyers.

Perfect for beginners, young adults, and parents who want to raise money-smart kids. This episode gives you the confidence and language to take control of your finances, one step at a time.

Chapter List:

00:00 Introduction to Financial Literacy for Parents

00:48 Understanding TFSA, RRSP, and FHSA

02:51 Tax Benefits of Registered Accounts

05:11 Choosing the Right Account for Young Adults

07:11 Transitioning from TFSA to RRSP

07:43 Overcoming Financial Intimidation

08:51 Navigating DIY Investing vs. Financial Planning

10:20 Understanding Financial Planning for Beginners

11:35 Building Relationships with Financial Advisors

12:38 Balancing Saving and Enjoying Life

13:27 Key Takeaways for Young Investors

14:35 Summary