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Communication, Money, Relationships


Now that you have committed to creating a life together, it is important to start planning for your future. What I encourage you to do, is take some time and sit down together and go through a discovery process.  Really sit with this and have fun! I call this Dream Building.


  1. Where would you really like your life to be over the next decade?
  2. How many children would you like to have?
  3. Will you be working from home or out of an office?
  4. How much money do you need to be earning monthly/annually each as a combined household income?
  5. How many revenue streams of income do you need coming into your family each month, to live the lifestyle you desire on your own terms?
  6. How many vacations per year would you enjoy having?
  7. Will you own your own home or rent it?
  8. How many homes would you like to acquire over the next decade?
  9. Will you have your primary home and a summer cottage or cabin in the woods?
  10. Will you get mentored over the next decade on how to buy real estate investment properties?
  11. Where would you love to live?


Take the time to write out, in specific detail, what you truly want in your life. When I first started practicing this exercise, I found that I had no dreams to write down. My mind would go blank, just thinking about it and I would begin to feel anxious. At the time, it was a challenge remaining present and giving myself permission to Dream Big. I had no idea how to get there and where to begin.

After doing this for many years and applying specific daily routines consistently, I began to notice things starting to come together and one by one, my dreams started to manifest themselves into reality.

One of the routines I love to do even today, is to drive around neighbourhoods visiting open houses. Go inside and look around these magnificent homes, even if they are way out of your price range. This one specific routine, done at least once a month, will help to expand your mindset to what is possible and will teach you to think in abundance and prosperity rather than lack and scarcity.

Today, I am glad to say, I am living an extraordinary life. I only wish the same for you. Go ahead, give it a try, what have you got to lose?

Remember, you only have one life to live and there is no dress rehearsal. If I can be of service to you, then please reach out to me.  You will be glad you did.

Darren Jacklin Biography Soft Photo

Darren Jacklin
World-Class Professional Speaker, Corporate Trainer, Investor

For over 22 years, Darren Jacklin has travelled four continents and personally trained over one million people in over 46 countries.

He has mentored entrepreneurs and business owners on specific and measurable strategies. These strategies have then been implemented into businesses to increase income, transform obstacles into cash flow and turn passion into profits.

Darren has an uncanny ability to increase wealth and success by uncovering hidden assets, overlooked opportunities and undervalued possibilities.

His talent has captured the attention of Tiger 21, The Wall Street Journal, Yahoo Finance, NBC TV, CBS TV, Global TV, international radio stations, magazines and newspapers, movie producers, best-selling authors, CEO’s and business experts worldwide.

Darren is also a featured as an international celebrity in the 2015 movie The Treasure Map.

Darren Jacklin currently sits on paid International Boards of Directors and Advisory Boards of public and private companies.  He has also personally trained over one hundred and fifty Fortune 500 companies such as Microsoft, AT&T, Black & Decker, Barclays Bank, as well as high school, college, and university students and lastly, professional athletes.

His experience has connected him with people in more than 130 countries. He is also the Co-Founder of Solaris Resort and Estates Ultra Luxury Private Islands.


Ready, Set, Married!

Planning a wedding is exciting. Heading out on the honeymoon is exciting. Cleaning up your money so getting hitched goes as smoothly as possible, not so much.  Since getting married means merging your life with someone else’s, what better time is there to take a good look at what you’ve been doing with your money? A spit and polish here, a trim there and you’ll be in fine shape to integrate your money and your lives.

Just as it’s easy to accumulate a lot of junk in the junk drawer so, too, is it easy for singles to accumulate a lot of spending that’ll have no place in married money. Time to dump the stuff out of the drawer and decide what should be there and shouldn’t. Can you merge accounts to save on bank fees? Are there services you’re paying for that you seldom actually use? And what will you no longer need in your budget because you both don’t need to pay for the same thing?

Whatever you can trim from your spending, pour that money into your most expensive debt or into your emergency fund. You know that gym membership you never use? Dump it. Ditto the magazines, which pile up in the corner or that outrageous cable bill.

Don’t forget to update your wills and powers of attorney. A will becomes old news as soon as you marry unless it was made ‘in contemplation of marriage.’ Powers of attorney will let your new mate speak on your behalf if you become a drooling fool. No, it doesn’t happen automatically when you marry, you have to give your mate the right to speak for you.

This is also a great time to throw out old crap. As you go through your financial paperwork ask yourself these two questions:

  1. Am I likely to need this again as a reference?
  2. Am I obliged to hang onto this piece of paper just in case someone official starts asking questions?

If the answer is yes to either question the item gets filed. No and that paperwork joins the ranks of the recycled.

A great way to start a conversation on what you want to achieve together is to update your net worth statement so you can see what direction you’re moving in. See some things that need fixing? Make a plan for how you’ll make things better together.

Now that one has become two, look at your insurance coverage to make sure it’s adequate and to eliminate any dual coverage.  Raise your deductibles to save some money, and make sure you combine your coverage – home, car, life, disability – to get the very best deal possible. What made sense a few years ago when you put those policies in place may no longer work for you once you’re married.

Marriage means taking some time to adjusted your financial plan to reflect what’s new. How you will you manage your money as a couple? Do you have different priorities?  How have you adjusted what you’re doing with your money to reflect what you’re doing in your life? Answer these questions and you’ll be ready to go!


Gail Vaz-Oxlade is the host of “Til Debt Do U$ Part” and “Princess” on Slice.
Gail blogs daily at her website. Gail’s book, “Debt-Free Forever”, published by HarperCollins shot to the top of the bestseller list in 2010. Her latest book, “Never Too Late”, has proven to be another huge success.

Communication, Money

Career Satisfaction = Happy Marriage

Hands up if you’ve heard that money problems can cause the demise of a perfectly good relationship? Me, too. Oh, and been there, done that. Well, so can being miserable in your career – whether your job is street cleaner, social worker, mother or president of the entire planet. It doesn’t matter, your levels of satisfaction impact everything.

Let’s start here, with some of the reasons people go to work:

Group A:  Purpose – I love it!

Group B:  Stimulation – my brain gets a kick out of being utilized

Group C:  Money – pay check to pay check, or love having lots of it

Group D:  Boredom – got to fill the time somehow

Group E:  Habit – uhhh, do I have a choice?!

And some of the reasons people are unhappy at work:

  • It has never occurred to them that doing something they enjoyed and were good at was an option.
  • They lack basic communication and boundary-setting skills and therefore keep finding themselves in disempowering situations where they feel not trusted and under-appreciated.
  • They don’t know how to ask for what they want.
  • They don’t like the boss or co-workers.
  • The values of the organization clash with theirs.
  • They are uncomfortable asking for help from a coach or other expert, preferring to try and figure things out alone – and so it drags on…

The majority of people fit into groups C, D and E and spend 40 plus hours a week (over 50% of their weekday waking hours) being broke, bored or on autopilot. It’s no wonder people proudly sport t-shirts with “Living for the Weekend” and “T.G.I.F.!” on the front. Who wouldn’t want a weekend to come around if half their weekday life was spent partially comatose, drooling at a desk.

Sylvia came to see me for this very reason. “I’m asleep at work! I don’t like the people or the place, the job itself has okay moments but I’m really overwhelmed,” she was almost crying. “Worst of all it puts me in a bad mood and my fiancé, Tom, has just about had enough of me. I’m worried about the impact it’s having on my relationship but I’m too scared to make a change. There are no jobs out there and I don’t want to end up in the same situation – or worse! – again.”

As we talked, Sylvia slowly began to hear herself answer the hardest question ever asked; the question that most people have no idea how to answer… What do you want?

Sylvia had been so focused on her fears of losing Tom and how awful and powerless she felt on a day-to-day basis, that it hadn’t occurred to her until now to explore what she wanted. It turned out that during her 15-year climb up the corporate ladder of accounting Sylvia had been finding it harder and harder to navigate the politics, growing work load and increasing levels of responsibility. All her energy went into getting through each day, so when she arrived home at the end of the day she had nothing left to give and often opted for a glass of wine or television just to numb out from feeling bad. She was grumpy, had mastered the art of pointing out all of Tom’s flaws and things he hadn’t done, was often disconnected from her relationship, and the concept of waking up feeling joyful with an authentic smile on her face seemed like a pipe dream.

Raise your hand if you’re looking forward to spending the rest of your life with someone who’s miserable at the end of each day? Nope. Nor me. Career satisfaction plays a significant role in happiness levels. People who are unhappy at work are typically unhappy to some degree period, and coping behaviors such as drinking, eating, smoking, or Internet browsing are often present. Let’s face it, if you’re drowning your sorrows you’re probably not listening too well as your honey shares how her day was…

To be fair, the concept of doing a job you absolutely love and that causes you to expand your potential and connect to your purpose, is a fairly new phenomena. But having the communication and boundary-setting skills to make where you work right now more enjoyable, this is a basic. Everyone deserves respect and appreciation, plus the opportunity to do their job well. But sometimes you’ve got to ask for it. And this is what Sylvia discovered.

A job that seemed like entering the gates of hell on a daily basis, became one she enjoyed. Sylvia began to ask for the positive feedback she needed (she was getting plenty of ‘constructive’) and this increased her confidence; she began to proactively say ‘no’ to things that wouldn’t work for her, and to ask her boss for more notice on projects, so she felt more autonomous. In these small ways Sylvia chose to empower herself, and they made all the difference. It turned out that she didn’t really need a new job, she needed a new approach!

You’re probably wondering about her fiancé, Tom? Did she make the changes in time? How did it work out? Well… as her confidence rose at work, as she began to feel more respected and trusted, that authentic smile became a daily way of expressing her new found joy. And, no surprise, Tom loved that because it made him feel like he put it there.

Clara Chorley

Career Satisfaction Coach for Strong, Smart Professionals; Founder and CEO of Clarity Unlimited. She has an extensive and unique background as a Career Satisfaction Expert, business consultant and humanitarian.

Clara grew up in England, has lived in Germany; India; the Hawaiian Islands; Rwanda; and now resides in San Francisco, California. She has traveled and worked across 4 continents and 40 countries with organizations as diverse as Fortune 500 Ernst and Young, to humanitarian Millenium Village Project. Developed over two decades and 40 countries, Clara’s powerful 4-step process: T.U.R.N.™ has helped women and men around the world find satisfaction and fulfillment in their work (and therefore their lives). She is author of the book T.U.R.N.: 4 Steps to Clarity in your Life and Career, and creator of the online program: T.U.R.N. 4 Steps to Career Clarity for the Unclear Professional. An international speaker, Clara is a proud TEDx presenter, and currently lives in San Francisco, California.


Don’t Let Money Ruin Your Love

Meet Joshua and Kat. At twenty-nine I can hear the warmth of their love in their voices on the phone; these two are just three months away from their dream wedding. They described how every detail is planned to perfection, from the rich red rose bridal bouquet and accent colors to the song for their first dance as a newly wedded couple. They have invested time energy and money into the wedding but what about their marriage? Have they prepared for a happy future or are they gambling with their love and their future like so many couples?

During my “For Better” tele-seminar Joshua and Kat sounded almost confused as to why they are registered. “Well, his mother thought it might be a good idea.” Kat shared with the rest of the class a little bashfully. “It will put her mind at ease. I don’t think we really need this seminar” Josh adds .

As I begin working with the class on their ‘Love and Money Report Card’ it turns out, Joshua and Kat like a lot of couples have some seriously different views on money.

“Oh, but we love each other so we can figure all that out later, can’t we? It’ll work itself out.” Joshua insists.

Wrong! Failing to address the differences in your love and money patterns before the big day puts you and your partner on the fast track to a toxic relationship. Research shows that arguments over money are the #1 cause of conflict leading to divorce. Joshua and Kat’s laissez-faire approach to their obviously different financial attitudes are likely to get them into big trouble.

Do you want to know the best thing you can do to protect your love? Write this down and keep it handy, there are 50% fewer divorces for those who do premarital training; because when we learn better we do better.

Joshua and Kat continued their seminar over the phone for the next six weeks. Following are 3 of the secrets I taught them in my six-week “For Better”, pre-marriage tele-seminar. You can use them right now to keep your love and money growing healthy and strong!

  1. What is your money mental pattern? Ask yourself what was my mother’s favorite saying about money? What was your father’s favorite saying about money? We learn our money patterns from the adults around us when we are little. It turns out that Joshua’s mother always said in a very angry way, “do you think money grows on trees?” While Kat’s mom said money was meant to be enjoyed and she would go out on shopping binges and come home and hide the bags from Kat’s dad.  I’ll bet you can guess their patterns. Kat is super careful because she doesn’t want to be like her mom and is very controlling with money. Josh on the other hand avoids dealing with money, he doesn’t want to deal with it unless he is forced to.

    Now, write your belief about money down, does it match your parents’ beliefs, or did you choose to go the opposite direction? Opposite may be too far, as you will see when I give Josh and Kat their love and money report card.

  2. What is your money emotional pattern? Do you feel confident, or anxious, vague or clear about money, feel lacking or abundant? Our about to be married couple were opposites in their feelings, Kat felt confident and in control and Josh felt anxious and vague.
  3. What is your money communication pattern? How did your parents discuss money, openly, not all or it was a source of conflict? Joshua’s mom was a single mom with a lot of responsibility on her shoulders and his dad contributed very little. They were always in conflict as she tried to get dad to help financially. Kat’s parent’s never talked openly about money but quietly seethed, with her dad making cutting comments about her mom’s spending when it was time to pay the bills.

At the beginning of our 6 week seminar Josh didn’t want to talk about money and neither did Kat.

Here is Kat and Joshua’s report card when we started. The report card measures how much the patterns match and how much potential they have for conflict.

money mental pattern  = D
very different , high potential for conflict

money emotional pattern = C
opposites, he is vague and anxious and she is confident and controlling, high potential for conflict

money communication skills = D
neither of them wanted to talk about money, very high potential for unspoken conflict that will come out eventually, either in words or actions.

Why didn’t they just get Fs? Because they had the courage to register for the seminar and to do something proactive to build the skills they need to deal with money when they get married.

Ready for the Love and Money intervention?

Once you can see a pattern you can change it. First, I got Kat and Josh started by asking them to write the new love and money patterns they really wanted in their marriage. Second they practiced sharing their feelings about money in a safe and skilful way. They also practiced the love and money resolution steps which put love first and allow your joint money goals to support your love and happiness.

These tips are a great start to your pre-marriage work, but just like Kat and Josh who invested an hour per week for six weeks there’s much more to learn. Because there aren’t any classes that teach you how to prepare for marriage, I want to change that, and I’m going to start with you. As my wedding gift to you, I’m giving you the complete Love and Money Report Card to help you start your new life with the skills you need to be happy together. After you go to my website and take the free Report Card, I’m also going to give you the 7 Secrets to Creating Healthy Love and Money. Use these tools to figure out where you and your partner differ and then sign up for some pre-marriage training. It doesn’t have to be my “For Better” Seminars, just find one and be prepared for a lifetime of healthy love and money.

Blessings & Congratulations

Dr. Brenda Wade regularly appears on CNN and NBC’s Today Show as a psychology expert along with appearing on Oprah, Dr. Oz, and Good Morning America, she hosted both the nationally syndicated Can This Marriage Be Saved? and Power Choices. A regular contributor to Essence magazine and other major publications, she also hosts Black Renaissance on the CW network, as well as co-hosts Healing Quest on national PBS. Dr. Brenda Wade founded the Love Money & SEVA Seminars, creating exciting breakthroughs with participants around the world, as well as guides  the international Power Coaches Program. She is also a published author of four books.

Communication, Money

Living an Inspired Life Together

Now that you have had or you are planning your perfect wedding day it’s time to plan to live a rich, full and delicious lifestyle?
I have an experiential exercise that I have taught to thousands of people in many countries all over the planet that has profoundly impacted many couples to live a prosperous and abundant lifestyle.
Here is what I would like you to do. I want you to sit down with your partner and use your creativity and imagination just like when you were a little girl or boy growing up. I want you to suspend any disbelief and thinking “how are we going to do this?” and “How will we create that?” and “Where is the money going to come from to pay for it all?” Just be like a little kid dreaming of bright and possible future.

I want you to think and feel where would you love to travel to on the planet and what would you love to see, feel, hear and experience; and start writing them down on paper. Map out the most inspiring places on the planet that you could possibly go and visit. Because when you surround yourself with things that inspire you then you will live an inspired life together.
Where would you like to go and explore across the planet? How about going scuba diving or snorkeling in Australia? Exploring the Great Barrier Reef? Planning a trip to go over to London, England and touring some of the old churches, museums and art galleries, Take a photo of the two of you standing in front of Big Ben, hopes on a train or a bus and going to explore the original statue of Michelangelo’s David which is located in the museum Galleria dell’Accademia in Florence, Italy. Then it’s off to hear the roar of the engines of the Monaco Grand Prix Car Race! This will definitely get your husband’s attention, feeling the power and sound of these engines.

How about taking a romantic dinner boat cruise down the Nile River for a memorable evening? How about going on an adventure to one of the most romantic Restaurants on the planet? It’s located in the beautiful Canadian Rockies. Imagine having lunch or dinner at Canada’s highest-elevation restaurant, the Eagle’s Eye towers above the Kicking Horse Resort in Golden, British Columbia. Diners take the ski gondola 1,200m (3,936 ft.) up to 2,410m (7,905 ft.) above sea level to reach this dining room with a 360-degree view of the nearby Rocky, Selkirk, and Purcell mountain ranges. This will be a “Mark the Moment” day. After lunch or dinner you can sit by the fire and read each other a poem or gaze into each other’s eyes and tell each other “The Gift I see in you is…” and the other person sits and listens and can only respond with “Thank you”.

How about planning a trip to the beautiful Sunshine Coast of British Columbia. Who knows – you might see a killer whale or two or some beautiful birds and sea life animals.
How about planning your second anniversary by going to Niagara Falls or to the top of the CN Tower in Toronto, Ontario? Dog sledding in Canmore, Alberta for an afternoon of fun, excitement and adventure? Planning a shopping trip to New York or over to Paris for a fun weekend getaway?

Think ahead and it’s now your fifth anniversary together – what about going to a Sandals Resort or a Club Med. If you have children try a Beaches Resort which is perfect for a family vacation.

Have you ever thought about traveling to Africa and going on a African Safari together and possibly experiencing up close and in person lions, cheetahs, tigers and giraffes? Have you ever wanted to go and catch a live show on the strip in Las Vegas or attend an opera or who is your favourite singer or band? How about getting tickets and sitting up close?

How about hiking the West Coast Trail on beautiful Vancouver Island. Have you thought about space travel with Sir Richard Brandon’s Virgin Galactic? How about attending a First Nations or Native American Sweat Lodge Ceremony or attending a traditional Pow Wow? Have you thought about going and seeing and experiencing a live hockey, football, soccer, wrestling, or golf game before. Would you want to go on a yoga or spiritual retreat someone or a silent mediation?

Deep inside our heart and soul, we have a purpose and we have dreams, visions and callings and inspiring places we would love to visit on the planet that we would love to bring into reality. But along the journey of creating our dreams we occasionally run into mental, emotional, or physical roadblocks. These roadblocks or chaotic hindering can arise from not having our life organized. So many people don’t plan to fail they just fail to plan. As you start to build your lives together it is important to have a direction of focus of where you would like to go in your lives. Remember relationships and life has its peaks and its valleys. It’s important that you create and live an inspired life together because over time if you decide to have children or already have children you want to be positive role models to your children. Let this exercise awaken you to possibility of creating and living an inspired life together.  Writing or typing is the first step in making intangible ideas become tangible realities. Masters of who create inspiring lives focus on the ever-finer details. No one will build your dreams for you. Dream building is up to you.  Write out where we would love to go on the planet. Clarity of vision and intensity of consistent action produces amazing results.

Biography of Darren Jacklin

Darren Jacklin displays his uncanny ability to increase income, wealth, and success by uncovering hidden assets, overlooked opportunities and undervalued possibilities has captured the attention and respect of NBC, CBS, Sharing Success TV, The Manifest-Station TV, authors, entrepreneurs and marketing experts world-wide.

For almost two decades, Darren has traveled the planet and dedicated his life to discovering the most advanced principles for producing specific and measurable accelerated results. As a World Authority on “Making Your Dreams Real” he has trained personnel from more than 130 Fortune 500 companies such as Microsoft, AT&T, Air Canada, as well as high school and professional athletes from more than 36 countries.

Darren is known around the world as the Mega Manifestor. Tell Darren what you really, really, REALLY want in your personal or professional life and he can show you how to get it! He has helped people to manifest dream jobs, relationships, joint venture partners, automobiles, vacations and so much more.

Darren is deeply committed to personally impacting lives. His goal is to reach and impact more than 100 million peoples’ lives each month.

Darren Jacklin
World Class Professional Speaker, Corporate Trainer, Best-Selling Author, Television Celebrity
1.415.592.0356 Office
1.888.423.5932 Toll-Free in Canada/USA


Married & Moving Forward

Match Your  Dreams to Reality

Psychologists have identified a phenomenon that’s probably been around as long as the Jack & Jill but hasn’t been talked about much: The Post-wedding Blues.  After the frantic build-up to the big day, the let-down can be huge, particularly for brides.  If you’ve been managing a team of service providers, coordinating a b’zillion details and spending like there’s no tomorrow, the day after can seem like the big fizzle.

Now it’s time to get down to the business of life. And if you want that life to be fabulous, you have to come to terms with your reality. While it’s wonderful to dream that you could make every day your wedding day where everyone does your bidding and money isn’t top of mind, it’s time to grow up and get real.

The only way you’ll be able to create a life that is satisfying and magical – yes, there is magic still to come – is to set some realistic expectations. Don’t just pull wishes out of the air and then hope that you can make them come true. “I want to own my own McMansion by this time next year” may be a little bigger bite than you can chew.  Instead, figure out what you really, really want, prioritize your goals and then create the plan to make it all come to pass.

Whether you want to own your own home, start a family or go into business for yourself, you need to break your goal down into manageable steps. Step #1: Talk to your partner. Now that you’re part of a family, you can’t go off half-cocked, assuming your buddy is on the same page as you.  You’ve got to talk about it. Sit down and discuss what it is you each want to achieve, and what kind of timeline you each have in mind.

Your new life partner may want to have children, but may want to wait a year or four until you’re settled in a home of your own. You, on the other hand, may be dying to get pregnant. Step #2 is to work out a time frame that meets both your needs.

Which brings us to Step #3: make a plan that lets you achieve this dream without putting your new family at risk financially. Will you live on one income and bank the rest so you can save up for a down payment on a home? Will you practice living on one income so that when baby does come along you have a big fat slush fund to supplement your paltry maternity benefits? Will you delay your family long enough to get your student loans paid off? Figure out what’s important to both of you and plan together to make your real life work.

Now that you’re married and moving forward together, you can use each other’s strengths to keep you on track. Share your dreams. Talk about your expectations. And make a plan that takes you from where you are now to where you want to be. Working as a team, you can make all your dreams come true.

Gail Vaz-Oxlade is the host of “Til Debt Do U$ Part” and “Princess” on Slice. Gail blogs daily at her website, Gail’s book, Debt-Free Forever, published by HarperCollins shot to the top of the bestseller list in 2010. Her latest book, Never Too Late, is poised to do the same thing in 2011.


Secrets of the Wealthy Couple

Wealth is a choice, a concept, an attitude, a way of life. Wealth does not just happen. A couple must choose to be wealthy. Couples rarely succeed in building wealth without the strong commitment of both partners. The Law of Attraction states that you can create your life through your thoughts. Think wealthy thoughts and you are on your way to leading a wealthy life.

Making the choice to be wealthy sets into motion forces that will put you on the path of wealth accumulation. Study wealth, model wealth, choose wealthy habits, be wealthy. Wealth, in monetary terms, can be measured in terms of Capital. Capital is useful to the degree that it generates cashflow, which is what you use to meet your day to day expenses. The key to wealth accumulation is to build capital that generates cashflow. Once the cashflow from your capital is greater than your day to day expenses, you have solved the wealth equation. The wealth equation: Income – Expenses = Capital

Build capital by:

1) Increasing your income or your incoming cashflow.

2) Decreasing your expenses.


How do you build capital while raising a family, paying a mortgage, a car loan a student loan, saving for education and so on? To accumulate wealth, you need to systematically build capital on a daily basis. Many of your expenses are not going to go away, without a major lifestyle change. To build capital then, certain new habits will have to be developed.

Forced savings must become a part of your daily routine. Repetitive, unnecessary and frivolous expenditures need to be eliminated. Specialty coffees, snacks, regular takeout or delivery, cigarettes and other expenditures make it virtually impossible to build wealth. If you constantly expend all of your income, then you will be unable to accumulate wealth. You will not build capital as there will be no cash left. You need to divert a portion of your income, on purpose, to a capital accumulation pool in a systematic and repetitive manner.

Capital can be equated to freedom. Freedom is your ability to live your life as you please (within the boundaries of societal and moral codes) off the cashflow from your capital. Develop habits that build your wealth rather than erode your capital/freedom. The greater your capital, and the security of it, the greater your freedom. Some examples of wealth building habits are:

  • Daily deposits to a Capital Freedom Jar.
  • Weekly transfers to a savings account.
  • Monthly transfers to a savings account.

Use your electronic organizer to remind you to do your transfers and employ internet banking for convenience. When you do spend money, spend cash. Save the change. It adds up. Put it in your capital freedom jar. When you use a bank machine, pull out an extra $20. Sell off redundant items. Put the cash in your capital freedom jar. When you make a deposit into your capital freedom jar, praise yourselves for a job well done by saying “We are great builders of capital, we feel wealthy and free, we are wealthy and free.” Deposit the money from your capital freedom jar into an high-interest savings account every time you reach as set amount i.e.: $200.

Understanding how to calculate and manage the increase in your net worth is a very important part of maximizing your capital and freedom. Assets – Liabilities = Net Worth. Assets are items which can be liquidated to receive cash or items that generate cash flow.

Assets that spin off cash are termed as Financial Assets. Wealthy couples concentrate their efforts on systematically building their Financial Assets and reducing their debt that does not support Financial Assets. Liabilities are items that use your cash such as a mortgage, car loan, line of credit, credit card balances, student loans etc.

Build your capital by calculating and monitoring your Net Worth at regular intervals say monthly or quarterly. Build a spread sheet to do this. List your assets and liabilities and calculate the difference which is your Net Worth. What gets measured gets managed! Where you put your attention, you focus energy. Where you focus energy, you achieve results.

As a couple focus your attention on systematically building your Net Worth. You will apply energy with your new Wealth Builder habits and you will achieve results with increased Net Worth. Consider starting a part time business. The cashflow you generate from your business, after expenses and taxes, can be contributed to your Capital Freedom Jar. Business income receives preferential tax treatment over income earned by salary.

Forcing savings out of what is left from your salary after taxes, and day to day expenses can be a challenge even for the most seasoned savers. Forced savings is a habit that must be adopted in order to ensure capital is built on regular and consistent basis. As outlined earlier, systematic transfers to saving is a great way to consistently build capital. This is a must!

Parkinson’s Law states that outlays will generally adjust upwards to the level of inflows. Have you ever gotten a raise and wondered why you still had nothing left at the end of the month? This is Parkinson’s Law at work. You must defeat Parkinson’s Law by throwing a wedge into the equation. If you have a regular systematic transfer to savings, you have effectively put Parkinson’s Law to work for you. Watch automatic charges to your accounts that can creep up unnoticed such as cable, insurance, vehicle loans, and consumer loans.

As you accumulate capital, you are then in a position to invest in financial assets that will appreciate and eventually throw off cash to support your day to day needs. Once your cashflow from your financial assets exceeds your daily expenses you are, by definition, wealthy. You are then in a position to work by choice, not by necessity.

This obviously will not happen in 5 or even 10 years if you are young and just starting out. It will get you there in 15 to 20 years if you have the discipline to stick with it. As a couple, you will accumulate knowledge along the way that will help you with your investment decisions to grow your financial assets.

Make sure that you have fun along the way as well. Many couples have had great luck with setting up a Fun Jar as well that gets regular deposits for the sole purpose of having fun. Remember fun doesn’t always have to involve spending money. A little financial knowledge applied at the beginning of a relationship can put a couple on track to a wealthy life. It is your choice. Good luck!

This article is based on excerpts from a soon to be published book.

Rodney K. Robertson, B.Comm., C.A.

Partner SVS Group LLP, Chartered Accountants

Rod brings with him 20 years of combined private industry and public practice experience. Since receiving his designation in 1989, Rod was a business owner for a period of time and draws upon that experience to compliment his professional knowledge base in his hands-on approach to client service. Setting goals and developing strategic plans with regular feedback has been a formula for success that Rod insists is paramount in any business. Rod has been quoted in the past by Profit Magazine, when interviewed as a CFO in the magazine’s annual edition of Canada’s Fastest Growing Companies. Rod coordinates the firm’s Business Development efforts. Professional designations include a Bachelor of Commerce from the University of Saskatchewan. Rod is also a member of the Institute of Chartered Accounts for both Saskatchewan and Alberta.

On a personal level Rod is married to Cheryl and is the proud father of two wonderful little boys Kyle (7) and Blake (4). As a family they enjoy time together on their acreage and at their lake lot while attending to the educational personal growth of the family. Rod and Cheryl together have acquired and manage a sizable residential and commercial Real Estate portfolio.


Money Magic For Couples

Whether you have just gotten together with your mate or you have been together for years, the topic of money is important. If couples do not discuss money this can lead to many frustrations, disagreements as well as divorce. With discussion couples can at least get on the same page towards creating a very wealthy and fulfilling future. The media has bombarded us with how to survive in a recession. It is my belief that if you focus on surviving that is all you will get; in order to thrive you must both develop a mindset for money and abundance.

Money is always a reflection of what is going on inside (beliefs, values, interests). If you are not happy with your current situation regarding money then you need to set your sights higher and develop the right mindset and habits to accumulate wealth. It will take an absolute commitment from you and your partner to change your thinking as well as apply the following principles to develop habits of success.

Here are 8 surefire ways to open the gate to abundance for you and your partner: (these do not have to be followed in any particular order)

  1. Decide what you would like to be, do and have. Identify and write down your long-term goals – 3 years, 5 years, 10 years and 20 years from now. Make a list of your short-term goals – weekly, monthly, yearly. Write out what you do want as opposed to what you don’t want. Make your goals SMART (Specific, Measurable, Ambitious, Realistic, Time deadline). For example, “I will make $50,000 by September 30.”
  2. Identify any beliefs that are limiting you from being wealthy and prosperous. For example, “I don’t deserve to have money,” “There isn’t enough money to go around,” “I don’t believe that I can make $50,000 a year.” Immediately reverse your beliefs to the positive and start affirming them every day.
  3. Develop an attitude of gratitude. Be grateful for what you have while achieving what you want. Every morning and night, give thanks to all that you have in life. Find as many reasons to give thanks.
  4. If you are not already doing what you love and making money at it, then discover what you love to do by making a list of your passions. In your spare time, work on the things you love and brainstorm the opportunities of making money with them.
  5. Make a budget that includes identifying all of your expenses, income and spending habits. Once you have identified them, implement the 70/30 rule. Budget to live on seventy percent of your net income. The other thirty percent allot to charity (10%), capital investments (10%) and savings (10%).
  6. Remove the clutter from your life – simplify. Once you clean up any messes in your life, doors will open for you to focus on activities that can make you more money.
  7. Surround yourself with your images of wealth and prosperity. Put up pictures, quotes and sayings around your house or work environment. Also, surround yourself with people who have positive influences in regards to wealth and prosperity.
  8. Review and visualize your goals daily. Imagine every day as if you have already achieved your goal. This will motivate you to complete your goals.

Remember that life is a journey and along the way you will reach many destinations as well as hit many road bumps. Keep your head up high, stay focused and know that you and your partner have the power and magic to create a wealth and abundant life together.


Wayne Lee

Mental Programming Expert


Marriage Money Talk

Honey, I have something to tell you…The conversation you should have before you tie the knot.

People are always talking about money: what they paid for their latest toy, how much they saved on their last shopping expedition, how expensive life is. And while the money chatter really ratchets up as couples plan for their weddings, the focus tends to be on The Big Day and not on what comes next.

While the wedding itself is exciting and challenging, it doesn’t hold a candle to what it’s going to be like sharing a life. If you haven’t had the money heart-to-heart, you’re begging for a fight down the road. When questions about financial goals, money values and debt start cropping up, so can the conflict. Better to get it all out in the open so you know what you’re getting into.


Who Will Pay for What?

You might think that splitting the bills 50/50 is the fair thing to do. He might think you should just pool all your money in one account and pay for everything together. So what’s it going to be? If you don’t iron out how you will manage your cash flow on day-to-day basis, you’ll likely end up with multiple accounts, struggles over who should pay for what, and resentment about how the other guy spends your money. Ask each other:

  • Who will do the day-to-day money management?
  • How will the other partner participate? (Abdication should not be an option.)
  • How will we deal with unexpected expenses?
  • Do we each want “our own money” that we don’t have to answer for? How much?
  • How will we decide on major purchases?


What Are You Bringing to the Table?

Couples hook up all the time without talking about how much money they have or how much debt they’re carrying only to face the horror of the other person’s past financial indiscretions. While one partner is not responsible for the other’s debt unless that person borrows jointly or co-signs, old debt has a way of haunting new relationships. If one of you has been lax in your repayment history, it’ll cost you both more to borrow when it comes time to get a mortgage. If one of you has racked up dozens of credit cards and is barely making the minimum payments, it’ll cost you both when it comes to achieve the goals you’ve set together. Ask each other:

  • How much do we have in the bank? In retirement savings? In other assets?
  • How much do we have in debt? What are we paying for that debt (in terms of interest cost and cash flow)? And how do we plan to deal with that debt moving forward?
  • How much do we each earn (in net dollars)? What benefits do we have from work? Whose job will take priority if we have to move for a career opportunity?
  • Do you have any insurance through work or bought privately? Who is it with? What’s it for (life, disability, medical, critical illness)? What’s the insurance benefit? Who is the beneficiary? Will you be changing the beneficiary once you marry?
  • Do you own a car (or other vehicle)? How old is it? When will you likely need to replace it?
  • What other financial responsibilities do we each have (e.g., supporting a family member, child support or spousal support, aging parents, needy siblings)?


What Do You Want?

Speaking of goals, do you have any? Have you talked about them? Do they mesh or conflict? If you have chatted about when you’d like to buy a home, how many kids you’ll have and who will care for them, and how often you should take a vacation, these are but a few of the hundreds of things you still have to cover. Don’t get overwhelmed… you don’t have to do it all at once. But it does mean you have to make your goals – and your money – a regular topic of conversation. Ask each other:

  • What does our life together look like in a year? Five years? Ten years?
  • How are we the same with our money?
  • How are we different with our money?
  • How will we negotiate so we keep things fair?
  • Who will we ask to help us with our financial planning? (Parents, friends, professionals)

As you move from Me to We, do your relationship a favour and make communication a top priority. No matter how well paired you seem at first, as time goes by and you each change, you won’t be the people you were when you married. So communicate, don’t disintegrate.


7 Steps to Set The Stage

  • Choose a non-stressful time to talk.
  • Listen to each other with patience and respect.
  • Be honest.
  • Share concerns without judging your partner.
  • Make your partner feel safe.
  • Take a break if emotions start to run high… but
  • Set up the time for the next money talk before you’re done.



Gail Vaz-Oxlade is the host of the award winning “Til Debt Do Us Part” on Slice and Global TV in Canada and CNBC TV in the U.S. Gail is currently in production on a second reality series called Princess which will air on Slice in the fall of 2010. Gail blogs daily at her website,, where she urges readers to take control of their money and their lives. Sought after by the media for her quick wit and blunt honesty, Gail has appeared in pictures and print all across Canada. The author of 12 books on money, her latest book, Debt Free Forever is published by HarperCollins Canada.


Until Debt Do Us Part; Crash Cash Course

The financial discussions that you have before the wedding could be even more important than the wedding itself! Most couples fight and split due to that little thing called MONEY. If you have not taken the time to fully figure out how you’re going to manage your cash after the big day, then you’re in for some rough times.

Are romantic fairy tales dancing through your head, wedding bells ringing in your ears? While many couples get caught up in the excitement of planning their wedding, some forget to discuss the fundamentals of everyday life. Household chores, child rearing, even who picks up after the dog seems to take a front seat to financial planning. Often arguments over money lead to separation and even divorce. So if you haven’t taken the time to open up the lines of financial communication, make sure to do it soon.

Discussing money is the big scary conversation that most couples avoid and even dread to have with each other. By now you know your fiancé emotionally, even spiritually, but what about financially? Are you fully aware of each other’s spending habits, or debt situation?

We are all expected to be great at managing our money by the time we are adults, although very few of us are taught the proper and most effective ways. A limited understanding of money management often results in feelings of guilt, shame, frustration, and even anger. Some deal with this by leaving it for their partner to take care of, others just go shopping and say they will deal with it later. Avoiding the problem won’t make it go away; it will only get worse. This will eventually snowball out of control and suck you and your partner in.

Here are some quick questions that will get you started on your journey to financial freedom as a couple. Write down your answers separately and discuss them with your partner once you’re both finished.

If you had the money to do anything in the world, what would be first thing you would do?

How do you spend your money each month?

What have you always wanted but can’t afford?

Is there something you should be saving for but aren’t?

Do you like your current love nest or do you want to upgrade?

Have you been putting anything off due to money? (celebrations, trips, gifts, renovations)

Do you know where your partner spends his/her money?

What have you noticed about your partner’s spending that bothers you?

Take the following quiz to see where the two of you stand when it comes to spending.

Check which applies to… Definitely Him/Her Ok that’s me
I always look for the least expensive gift.
I can’t resist a bargain.
I don’t feel capable of handling my money.
I don’t know exactly how much I owe on my credit cards.
I don’t know how much money I have in the bank.
I have a hard time saving.
I lose valuable items.
I love having lots of money.
I love to shop.
I miss paying my bills on time.
I put off buying because I’m sure I can get it cheaper.
I’m afraid I won’t have enough money.
I’m always broke.
I know my credit rating.

Now that you’ve gotten a few things out in the open, it’s time to look deeper into both of your financial histories and explore your financial situation. Discuss things such as debt load, net worth, and monthly expenses; after that it’s budget time. A well thought out budget can not only cut down on squabbles but if planned correctly allow for extra indulgences that both of you are okay with. Once you have everything in order and are on the same page, contact a financial advisor. Advisors have access to great savings tips and can help get you started in the right direction.

Make a point to write down and review your spending on a regular basis as a couple. This will help pin point any areas of weakness or improvement for the two of you. Mostly importantly it will keep you on track and aid in avoiding overspending.

By keeping your finances in order you can focus on each other and your new marriage. If you are not comfortable with money management it’s ok to ask for help. Tell your partner how you feel and perhaps seek out a simple cash management course to beef up your knowledge setting you toward marriage bliss.


Jason M. Currey, Senior Financial Consultant

The Healthy Retirement Group Inc.