If cash flow still feels confusing, this episode fills in the gaps. Tré Bynoe, CFP, CIM, walks through his real-life cash flow system from January to December—account by account, decision by decision.

This is a practical breakdown of how to separate spending from income, handle irregular pay, and avoid constant budgeting without losing control. It’s designed for people who want structure without spreadsheets taking over their lives. (Although there's nothing wrong with spreadsheets!)

You’ll learn:

• How to set up core accounts and what each one is for
• Why annual costs matter more than monthly guessing
• How groceries, eating out, and spending money actually work
• What to do with bonuses, raises, and uneven income
• How this system makes saving automatic and stress lower

🎧 Follow, review, and share the show if you want money decisions to feel simpler.

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Not all investing is created equal. In this episode, Tré Bynoe, CFP, CIM, unpacks the three core investment approaches—indexing, factor investing, and alpha strategies—and how to know which one fits you.

Whether you're DIY or working with an advisor, understanding the difference can mean the difference between steady growth and unnecessary risk.

You’ll learn:

• What an index fund really is
• How factor investing aims for better-than-market returns
• Why most alpha strategies underperform over time
• How to benchmark your portfolio the right way
• Which strategy Tré actually uses and why

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Should you pay yourself a salary or dividends from your corporation? If you’re a Canadian business owner, this decision shapes your long-term wealth. In this episode, Tré Bynoe, CFP, CIM, breaks down why it’s not a binary choice and what most professionals and incorporated entrepreneurs get wrong.

You’ll learn the real tax impact of each strategy, why RRSP room and CPP contributions matter, and how your spending habits, investment style, and future goals play a role.

You’ll learn:

• Why the best strategy is usually a mix—not one or the other
• How CPP and RRSP room shift the math on salary vs dividends
• The importance of mastering personal cash flow first
• What accountants often miss (and planners catch)
• When complexity just isn’t worth it—and how to simplify

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