We make money simple.
Hey, what's good! We're Steph & Den, and we started as young professionals working in the corporate world, then left to start something new - and we've been documenting our financial journey's along the way (from being in debt, to saving and investing). If you see us around Toronto, say hi!
We post new KZread videos every Sunday at 12:00pm EST.
And if you're looking for more, check us out here:
Instagram: @stephandden (215k)
TikTok: @stephandden (315k)
Пікірлер
6:34 So CPP started as a national Ponzi scheme, then had to turn into a hedge fund that the majority of the people are forced into that only pays < ~ $10,000 a year? Does the 10% annualized growth also mean that the contributed amounts also grow 10% a year?
I used to think that getting rich was some combination of black magic and pure luck but now I know its actually a science that can be learned like physics and chemistry. Great Job on the simple and understandable channel to teach this important skill!
Budget
Here’s the link - stephandden.com/free-budget-template/ 😊
9:20 to get to the point, really...
Thanks for your comment 😊
100 racks chump change check back in at half a ticket
So the uber would have been cheaper
You guys look great ❤ My Mom will always bargain with the clothing shop to see if they’ll give a good discount since most items are marked up. I will typically order online from India where it’s most cost effective and the measurements aren’t too far off. I can then pay a small fee to a tailor (someone who knows how to work on Indian clothes) to take anything in.
You both looked beautiful and yes the cost is about right I’m so glad you made the effort you are really nice friends your efforts will not be wasted
Can I get a non-registered GIC on a cash savings account? Basically my emergency fund. My teller told me I would need to open another tfsa or rrsp and put my emergency savings in there to be able to get a gic
when they start doing that you just start becoming a parasite. Force them to fire you. Be a nightmare.
Great what about beauty salon expenses
Tumhare yaha aake Apne lelenge bechungi 😂😂😂😂😂😂😂😂 iss hisaab se araam se 3k$ ka hoga paisa hi paisa 🌝
attending your friend's wedding is worth every penny
Thank you for sharing. Great tips! I would love the Budget tracker link 😄
If its in india,then might caused 100$ in total 😮
Budget
Here’s the link - stephandden.com/free-budget-template/ 😊
$36 on internet what is your provider please i psid $80/mth😮 my good 350 $400 and 150/200restaurant what is your job to pyt aside $2000investment😮
My husbands barber only charges 30$ including a 5$ tip. It’s a pretty modern barber shop so I expected a lot more but they do a really good job and he’s been going back for two years. 65 is crazy! (This is in Ottawa for reference)
I've been to an Indian wedding, you dont have to dress Indian if you are not Indian. We wore western clothes we already had and we were fine.
We didn’t say that we had to 😊
I'm new to your channel and loving it! I was going to open a HSA with Simplii Financial because of their promotion but they require me to email them copies of my passport AND Drivers license AND a selfie.....then I got scared. Is this normal with digital banks? It's my first time learning about digital options and moving away from the BIG banks to these platforms and I'm genuinely scared. Do you have thoughts to help?
What about the cost of the gift? 🎁
I had no idea that you could open bank accounts with different banks, I thought I had to stick with TD for everything because that is what I opened my checking account with 😅 I have been learning so much from you guys over the past few weeks since I discovered you. My husband and I are young and don’t come from financially stable backgrounds so it’s very confusing sometimes!
We're so happy to hear that you found our channel! We talk more about how you can have different types of bank accounts with different banks in this video, too - kzread.info/dash/bejne/iXxp07Z9lM-1lLg.html 😊
That kurta that the girl is wearing I have the same exact one and I got it for 1000rupees with jewellery so buddy u guys got mega overcharged 😂😂
257 for that! That look hideous !
Wow, thank you so much! 😊
I’m from Ottawa and I can confirm YKO is the best!!!
So good! 🤤
why don't you move your HISA from EQ to other digital banks with higher interests?
We're actually using Simplii Financial's HISA at the moment (they have a 6% promo rate for five months) 😊
Budget
Here’s the link - stephandden.com/free-budget-template/ 😊
Sounds like fun🎉🎉🎉
Budget
Here’s the link - stephandden.com/free-budget-template/ 😊
I love yalls dresses and I actually giggled a bit when you said Tamil because I am an Indian and we say it a bit differently 😅😅❤❤😂
257 dollars in india we can buy 2 dresses 👗
As a local from Como area (erba, Lecco and Bellagio) i can tell you that the prices have become even more expensive then the past and they are definitely eating your cake (taking profit/advantage over you). Even if I'm aware of the beauty of the area, this doesn't mean they should be allowed to get so fat. There are people in the area of Bellagio renting apartments/homes for around 700€/$ or even more, per night. You ended up in the mid way, but the prices should be around 50/60 per night. That's a common b&b price, at least it was few time ago, outside Bellagio and strictly lake areas. They basically make you pay the view. It is something they shouldn't be doing, since the view it's there and it's not theirs. Hosting should be for free/exchange, but definitely not so expensive. Same goes for the rest of the world of course.
You spent way too much on clothes which are inexpensive
Its worth it. For BFF. You can work an earn money again.
Corporate America is full of greedy selfish pieces of shit. The days of Companies treating you like a human is long over. No more pensions, no more holiday bonusses, no more 30 years and a gold watch. Just a bunch of 2 faced back stabbing thieves. Teach your kids a trade or teach them how to work for themselves. Don't send them to college enslaving them to banks and corporate America so they can work jobs they hate so they can buy shit they don't need to impress people who don't care about them.
Other than the cost of a wedding gift, I’ve never had to pay anything to be able to attend a wedding! 😮 I did go to my cousins wedding which was out of state and this required a flight and a hotel, but I was young and was still living with my parents so didn’t think of things like cost 😅
Hi guys, i was simply wondering if there is a reason you guys opted for simplii for your everyday banking over Eq
Also wondering 🤔
so 0% intrest buy now pay later is good for people who can afford it right? your going off by how bad it is but is only bad if u default on your payments but is good if u pay everything on time ?
We mention in the video that yes, in theory - if you're able to pay off your balance on time - then it's not 'a problem'. BUT, the BNPL system is designed so that you will miss payments (that's how they make money off of you)
Thanks for creating Canadian specific content. It's so helpful!
Of course! We're happy to hear that it's helpful 😊
renting the clothes could've cut the cost by alot. since there's a good chance you won't be using them much you can rent it and then return them back after use. much easier and cheaper. I totally get how expensive these outfits can get so renting them is like a life saver! you can do it the next time. you both look really gorgeous btw <3
Thank you so much 😊
Less…
you can have a small wedding in my country with that much money
Bruh they Hella robbed you
Do not tell anybody that you are quiet quiting. Just do your job properly but do not go above and beyond. Do not be mistaken for a lazy worker though.
Where do you live for 950 for rent????
I've been in my unit for 6+ years (and that's my half of the rent) 😊
Budget
Here’s the link - stephandden.com/free-budget-template/ 😊
Why don’t you close your lips when you talk? It’s so weird
🤔
How was cheaper renting than uber? You spend 150 for renting and gas and the uber was 60 for each ride
It wasn't cheaper 😊 and that was a minimum cost for the Uber
What about transportation? (car, uber, bus?)
I walk or take public transit everywhere (I preload my transit card, so I didn’t have to pay for it this month) 😊
That's impressive, my monthly is $4K too but in Scarborough 😭💀