Advice First Wealth

How to Lower Your Debt-to-Income Ratio: 6 Actionable Strategies A high debt-to-income ratio is a common reason lenders deny applications. The good news is that you can lower your DTI.

Profit Is A Leadership Choice, Not A Financial Outcome Too many leaders still treat profit as something that happens; a natural reward for growth, effort, or good intentions. Hope is not a financial strategy, and assuming profitability without designing for it is a leadership failure, not a timing issue.

The Pessimist’s Guide to the Credit Boom Investors have been drawn to high yields—but opacity, complexity and hidden “cockroaches” are worth worrying about. Here’s a deeper look at what’s happening in credit from Bloomberg.

Engagement Ring Trends 2026: From Celebrity Proposals To Antique Diamonds Engagement ring trends shaping 2026, from vintage and antique diamonds to celebrity-inspired styles, modern settings and bold gold bands.

I Lost Millions Twice. Here's What No One Tells You About Making Big Money Here's how to succeed when the familiar disappears. When friends drift away. When the phone stops ringing.

Kevin Warsh, a Fed Critic, Is Now Poised to Lead It President Trump’s pick to succeed Jerome Powell as Fed chair spent years positioning himself for the job.

A 30-year-old who built a 7-figure net worth shares the often-overlooked first step to achieving financial freedom Michela Allocca built a seven-figure net worth by 30, thanks to increasing her income, diligent saving, and prudent investing. After years in the corporate world, she's now a full-time content creator in the personal finance space. She says the first step to hitting financial freedom is simply knowi...

🎙️ New Podcast Episode Just Dropped!

The RRSP Meltdown Strategy: Why Too Much Retirement Savings Can Be a Tax Trap

Tim Borody and Brad Smith are back in the studio to tackle one of the biggest financial misunderstandings out there:

👉 Can you actually save too much in your RRSP?

Spoiler: Yes. And it can cost you.

Tim and Brad break down why overloading your RRSP can lead to bigger taxes later—and how a smart “meltdown strategy” can help you shift money into tax‑free buckets, smooth out taxes, and keep more control in retirement.

They also share why having multiple pots of capital (not just one giant RRSP) gives you the freedom to fund big dreams without giving half to the CRA.

🎧 Now streaming everywhere

Or listen here: https://bit.ly/45LZhKx

Video: Women Poised to Benefit from 'Great Wealth Transfer' Jaime Magyera, BlackRock Managing Director and Head of US Wealth Advisory and Head of Retirement, joins Bloomberg Businessweek Daily to discuss how women are set to inherit or receive wealth as part of a generational 'Great Wealth Transfer.' Magyera discusses when the transfer usually happens, what....

Think you can’t negotiate many of life’s daily expenses? Think again, experts say There are discounts out there that you aren’t getting, because you aren’t asking..

Private Markets Are Enticing Investors. It’s Good Business for Asset Managers. Investors are expected to allocate more to private markets in search of returns and diversification, according to a survey by Hamilton Lane.

Why Most AI Breaks in the Real World — and What Founders Get Wrong There's a fundamental flaw in how AI agents work today. Here's what the next generation will do to fix it.