Tandia Talks Money

Hosted by Tandia Financial

Business Education

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132

Latest episode

Jun 2025

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About the show

Do the words banking, finance, and money set off alarm bells when you hear them? Are you yawning just thinking about budgeting and investing? Tandia Financial is here to make banking more relatable by breaking down the barriers and stigmas surrounding money. Start your week off strong with your new banking BFF, Carla Ricci, who is coming to you every Monday from the credit union world where major financial decisions are as unique as you are. Talking about money doesn’t have to be overwhelming. In fact — it can be fun, approachable, and empowering. "Boring" is not part of this podcast's vocabulary, with a variety of topics you'll be sure to relate to including payday routines, the power of saying no, and building a financial road map. Tandia is committed to fostering a community through offering financial wellness programs and treats its members as if they were a neighbour. Perhaps it’s time to pass on the overpriced avocado toast (well, sometimes at least) and start a new kind of banking journey with Tandia. Visit tandia.com for more information. ]]>

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60 recent

June 30, 202512 min

Why School Didn’t Teach Us Money – And How We Can Catch Up

If you’re a millennial, you probably remember sitting through school lessons that promised to prepare you for “the real world” — but somehow, managing money didn’t make the syllabus. In this episode of Tandia Talks Money, we’re diving into the financial lessons we never got, and how we can catch up now. We’ll talk about everything from credit scores and student loans to the side hustle grind and avoiding financial burnout. It's time to take control of your finances and build a future that works for you, not against you. In this episode, you’ll learn: Why side hustles might not be the golden ticket to financial freedom. How to deal with FOMO and avoid impulse spending that derails your financial goals. Strategies for tackling student loans and building your credit. The truth about investing and why it’s never too late to start. How to break free from lifestyle inflation and focus on wealth-building. It’s time to take charge and stop letting money stress you out. The best part? It’s never too late to learn. Call to Action: Want to start making smarter financial decisions? Visit tandia.com to find out how we can help you get on track.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

June 23, 202510 min

The True Cost of Homeownership in Canada: What You Need to Know

Owning a home is often seen as the ultimate milestone, but let’s face it: it comes with more costs than just the down payment. In this episode, we’re pulling back the curtain on the hidden expenses of homeownership in Canada and breaking down what you need to know to avoid surprises down the road. We’ll talk about everything from down payments and mortgage payments to property taxes and home insurance. If you’re thinking about buying a home or are already in the process, this episode will help you understand the true cost of owning your own space — and how to budget for it. In this episode, you’ll learn: How to budget for a down payment and the hidden costs that come with it. Why mortgage payments are just the tip of the iceberg when it comes to monthly expenses. The impact of property taxes and insurance on your overall homeownership budget. What to consider when choosing home insurance and mortgage insurance. Buying a home is a big deal, but knowing exactly what to expect can help you make informed decisions and avoid any financial surprises. Call to Action: Ready to take the next step in homeownership? Visit tandia.com to learn how we can help you navigate the process.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

June 16, 202512 min

10 Financial Tasks That Will Change Your Life

In this episode of Tandia Talks Money, we’re giving you the pep talk you need to take charge of your financial life. No need to wait for a “financial expert” to swoop in — you have the power to create the financial future you want, right now. We’ll walk through the top 10 tasks that will set you on the path to financial freedom, confidence, and the peace of mind that comes with knowing you’re in control. Whether you're just starting out or ready to level up, these small, consistent actions will help you build a brighter future. In this episode, you’ll learn: How to create a budget and make it work for you. The importance of building an emergency fund. Tips for paying off high-interest debt and saving for retirement. The power of investing in yourself and protecting your wealth with insurance. Simple strategies for managing your credit, taxes, and estate planning. It's all about progress, not perfection. Every little step counts, and by taking action now, you’ll be that much closer to financial freedom. Call to Action: Ready to start building your bright financial future? Visit tandia.com to learn how we can helpSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

June 9, 202512 min

Feeling Stressed About Money? Here’s How to Take Control

Welcome to Tandia Talks Money! In this episode, we’re talking about the real-world financial stress Canadians are facing — from rising interest rates to the uncertainty of the economy. But don’t worry, I’ve got you covered with simple, actionable steps to help you take control of your money and reduce stress. We’ll break down the current economic situation and share practical tips like micro-budgeting, creating a “joy fund,” and setting up an emergency buffer to help you feel more in control. In this episode, you’ll learn: How the economy is impacting your wallet Simple strategies to reduce financial stress Tips to get your finances on autopilot and regain peace of mind Call to Action: Want to feel more in control of your finances? Visit tandia.com to learn how we can help.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

June 2, 202512 min

Teaching Kids About Money: A Real-Life Guide

Kids pick up money habits early—and most of what they learn comes from what they see at home. In this episode, we talk about how to make everyday money moments more meaningful, how to explain needs vs. wants in a way that makes sense, and why setting simple goals can help kids feel more in control of their spending. We’ll also walk through how Tandia can support you with tools and advice that make financial learning part of everyday life. What You’ll Learn: How your money habits shape your child’s understanding Easy ways to talk about saving, spending, and goal setting How Tandia can support your family’s financial learning Want to learn more?Visit tandia.com to find resources and connect with someone from our team.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

May 26, 202510 min

Real Talk on Debt: Understand It. Manage It. Break Free.

Debt happens—but staying stuck in it doesn’t have to be your story. In this episode, we unpack the emotional and financial traps of the debt cycle, why it's so hard to escape, and how you can take real steps toward freedom (without giving up your daily coffee or joy). From budgeting for your real life to understanding avalanche vs. snowball methods, this is your no-shame, all-strategy guide to taking control. Relatable. Practical. Empowering. Just how we like it. Ready to break free? Book a free financial wellness session with one of our experts at tandia.com and take your first step toward financial peace.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

May 19, 202510 min

Loud Budgeting is the Self-Care Move You Need

Summer’s here, and with it comes the pressure to say yes to every invite. But how do you balance mental health, friendships, and financial boundaries without feeling left out? In this episode, we’re talking about the emotional side of money—why adult friendships get complicated, how spending can spiral, and why loud budgeting might be the freedom you didn’t know you needed. We break down how to protect your peace, stick to your goals, and still enjoy life without guilt. Listen in if you're ready to:• Stop the comparison trap• Set financial boundaries with confidence• Embrace summer without going broke• Prioritize your mental and financial well-being Want more tools to manage your money your way? Visit www.tandia.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

May 12, 20257 min

The Mother Load: Carrying the Mental & Financial Weight

Mother’s Day just passed, and while we loved the sweet cards and breakfast in bed (burnt toast and all), there’s something we don’t talk about enough—our relationship with money. In this episode, we’re getting honest about what it’s really like to manage money as a mom. From the lessons we absorbed as kids to the juggling act we pull off every day—this one’s for the moms doing their best with what they’ve got (and making it stretch like magic). I consider myself a bit of an expert on this topic because, well… I’m a mom. And every day I’m figuring out how to raise good humans, build a stable future, and not lose my mind while doing it. Here’s what we cover: The money mindset we inherited (and how we’re unlearning it) The emotional side of finances and mom guilt Real talk about budgeting, sacrifice, and celebrating small wins Simple ways to talk to our kids about money (without the awkwardness) Why showing up and being real is more valuable than anything money can buy And stick around for an encouraging message at the end—because you deserve it. Quote to Remember:“Our kids aren’t watching how much we spend—they’re watching how we handle things. That’s the real legacy.” Connect With Us:If you’re looking for real-life financial support, resources, or just someone who gets it—we’re here for you. Visit tandia.com to connect with us, explore tools that make life a little easier, and find advice that actually makes sense for you. You’re not doing this alone—Tandia’s got your back.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

May 5, 202518 min

Doing Everything Right, Still Stressed: Why?

In this episode of Tandia Talks Money, Carla gets real about the financial truths no one tells you — the stuff that hits harder than generic advice ever could. We’re diving into the behind-the-scenes of home ownership, lifestyle inflation, career decisions, family planning, and what building real wealth actually looks like. Forget cutting lattes or chasing crypto gains. This one’s for anyone doing all the “right” things and still wondering why it feels like it’s not enough. What You’ll Hear About: Why home ownership isn’t just “rent vs. buy” How lifestyle inflation can silently steal your paycheck The power of earning potential over penny-pinching Financial planning before and after kids Wealth-building without the hype Money mindset shifts that change everything The Real Talk?Money doesn’t come with an instruction manual — but this podcast gets pretty close. Ready to make smarter choices without the stress?Check out how Tandia can help at tandia.com. Let’s talk money — the Tandia way. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

April 21, 20259 min

When Finances Feel Like a Jenga Tower

Ever feel like the second you start dealing with money — especially mortgages or home upgrades — life throws everything at you all at once? Same. In this episode, we talk about that chaotic energy that kicks in when you're trying to make big financial moves, and suddenly your phone breaks, deadlines pile up, and you’re stuck trying to figure it all out on the fly.This conversation was inspired by a real chat with a friend who’s self-employed, just moved into her new home, and is now planning an addition — and let’s just say, things got overwhelming fast.We cover: Why financial stress hits so hard, even when you plan for it How to keep your cool when life feels like one big deadline Quick ways to learn what you need to know (without Googling into a spiral) What to focus on when everything feels urgent If you’re in the middle of something big, or even thinking about it, this one’s for you.Feeling the pressure? Let’s make it easier. Book a meeting with one of our advisors — they’ll help you break it all down, calm the chaos, and come up with a plan that actually works for you. www.tandia.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.