The Wealth Building Academy

Are you truly aware of every cost associated with your investments? The financial industry often obscures these details, leaving many investors in the dark. It's a common misconception that getting started with investing, especially through traditional banks, means it's "free." I learned this firsthand at 19 when I unknowingly invested in an extremely expensive fund.

The reality is, investment fees can vary dramatically. While it's now possible to find investments with fees under 0.5%, some mutual funds can charge upwards of 2% annually. While these percentages may seem small, their impact over time is significant, potentially costing you hundreds of thousands of dollars. For instance, a 1.75% difference in fees on a $100,000 portfolio over 25 years could mean over $300,000 in saved fees if you manage it yourself.

The Wealth Lab is designed to guide you in building a substantial portfolio, empowering you to achieve financial independence and create lasting wealth. If you're ready to uncover hidden fees and optimize your investments, comment TWL to chat and see if this program is the right fit for you.

Travelling this summer?

I've always said the pink tax is in almost every facet of our society and here is another example of it. Summer Europe trips are popular and with them comes the inevitable price difference between men and women for the same experience: going on a trip.

From transportation, to hostel rates, to booking your flights – it's more than just the dollar value. It's about safety and security. It's about choosing a flight that lands with enough time for you to make to your hostel before the sunsets; something that most men don't have to think about.

I'm curious – what examples from your travels can you comment where you had to pay more just because you were a woman? Drop your experiences in the comments or my DMs

Ready to travel smarter and make your money work harder?

Swipe through to discover how to find the perfect credit card, maximize your point earnings on everyday spending, and redeem them for incredible value. Redeem for vacations that will have your friends going "wait... how did they afford THAT!?"

Don't miss out on unlocking your dream vacations. Let's make every purchase count. ✨

Comment ‘Cobalt’ for up to 15,000 bonus Amex bonus points with my referral!

P.S. If you're also a business owner, comment BONVOY for 130,000 welcome bonus points

👀

Ready to travel smarter and make your money work harder?

Swipe through to discover how to find the perfect credit card, maximize your point earnings on everyday spending, and redeem them for incredible value. Go on adventures around the world that will have people wondering "wait, how did they afford THAT?!"

Don't miss out on unlocking your dream vacations. Let's make every purchase count towards those bucket list spots!

P.S. If you're a business owner, comment ‘BONVOY’ for 130,000 bonus Marriott Bonvoy points with my referral ✨

👀

I hear this mistake all the time. Don't let it happen to you!

Did you know there's a key difference between your marginal tax rate and your average tax rate?

Your marginal tax rate is the tax percentage you pay on the next dollar of income you earn. It's determined by the specific tax bracket your income falls into. For example, if you're in a 20% marginal tax bracket, every extra dollar you earn will have 20 cents go towards income tax.

On the other hand, your average tax rate is the total amount of income tax you pay divided by your total taxable income. This gives you an overall picture of the percentage of your income that goes to taxes. It's always lower than but rarely equal to your highest marginal tax rate because it factors in all the lower tax rates you paid on your initial portions of income.

Think of it this way: the marginal rate is about the future, what happens with each additional dollar. The average rate is about the past, a summary of what you've already paid.

Understanding both helps you make informed financial decisions in terms of how much cash you have on hand for tax season if you owe the CRA money.

Questions? My DMs are always open

We can always earn more money.

After all these years I still find myself saying it from time to time. An unexpected expense comes up, and then another one... and then another one.

The reality is, most millionaires have multiple streams of income exceeding 7. But not all of these sources require active work. Rather, they don't require any work at all aside from rebalancing from time to time. You can set it, forget it and watch your wealth accumulate year after year.

Imagine having the confidence and the tools to invest in the stock market and make financial decisions on your own. You have the capacity make the call. Now imagine 10 years from now reaping the benefits of that decision–whether it's early retirement, buying a home, going on your dream vacation or starting a business.

This is what awaits you in Your Richest Life.

Doors are closing tonight. Comment YRL for the details.

I see this time and time again (and statistically speaking, it's mostly women).

You need to invest your money in order to keep up with inflation. Sometimes putting it in a HISA (High Yield Savings Account) isn't enough for you to break even!

The reality is you are losing out on purchasing power by keeping all of your money in cash (even if it's in your TFSA!). It's so important to be investing on a consistent basis – while taking advantage of dollar cost averaging – so you make sure that your money is working for you!

Your Richest Life will give you the tools to be confident in your decision making abilities to trade on your own, and build an investment portfolio that will allow you to live the life you've always dreamed.

We start in a few days and there are still a few spots open.

Comment YRL if you want to see if this program is the right fit for you!

I don't share this information to brag, but to paint a picture of what your life could also look like if you start taking control of your financial future.

When I started investing in 2012, I was working long night shifts at Epcor flushing fire hydrants (that's a story for another day) and I knew there had to be a better way to make my money work for me for the long term.

I started by investing $25 in a mutual fund (which I wouldn't recommend now) and the rest is history. I've hit CoastFIRE, which means if I don't contribute another dollar to my retirement that's okay – and I want this for you too!

Your Richest Life isn't about handbags and designer sunglasses (but if that's important to you, it could be)
It's not about travelling first class on the A380 (but it could be).

It's about living a life that is in alignment with what you are passionate about.
It's about waking up and feeling like you are in control of your life.
It's about doing the things that you want to do.

DM me YRL if you are interested! Spots are filling fast.

Have you ever thought to yourself "damn, how can she afford to pay for that vacation?"...

Well, chances are she didn't actually pay cash for it! Enter points hacking with .mikaela. Mikaela has mastered the art of travelling for next to nothing and experiencing all of the luxury while doing it. Mikaela joins Janine on stage to give you her tips and tricks on all things credit card points.

You deserve to go on a vacation and sit in a pod while doing it. You deserve to experience Michelin star meals without breaking the bank. All of this is possible when you pay off your credit card in full every month and stack your points.

Join us for the quick points hacking after our concurrent sessions after lunch at Wealthy(HER) on March 6.

We are 90% sold out! Tickets available at thatswealthbuilding.com/her

It's that time of the year again!

With a new year comes new TFSA contribution room. In 2025 you can contribute up to a maximum of $7,000 to your TFSA. This makes the lifetime contribution room of your TFSA $102,000. Your TFSA is a powerful tool that allows you to avoid $100,000s in taxes over your lifetime. But only if you use it effectively!

There are many get-rich-quick schemes out there, and this is not that. Building wealth is not something that happens overnight. It takes time, patience, and a commitment to build yourself a future. The financial industry is full of confusing jargon and flashy offers, but how do you know where to get started?

Enter The Wealth Lab. My signature investing course of 70+ modules is here to help you sort through the nonsense and get to the point. Your lifetime access to the community gives you the support you need throughout your wealth building journey and the monthly live sessions allow you to ask those burning questions.

I'm so excited to hold this container of women for another cohort. Comment or message TWL if you want to learn more.

We are 37 days out from the Wealthy(HER) Conference and I simply cannot wait to see everyone's faces there! Tickets are still on sale (and will be until the day of the event) so if you haven't gotten yours yet – now is the time!

We're diving deep this year – financial therapy, wealthy EQ, beginner investing, advanced investing, real estate investing, and how money affects our spirit, bodies and minds.

This is a space unlike any other & you don't want to miss out on these speakers.

Comment ELEVATE if you want more information!

Tickets at thatswealthbuilding.com/her

One of my favourite notifications to receive!

Are you ready to build a passive income stream that works for you? The Dividends Masterclass just might be the best way to kick off the new year on a high note. Join the masterclass and discover the not-so-well-known secrets of dividend investing.

In this 1-hour live session, you'll learn how to:

- Identify high-quality dividend stocks
- Manage your portfolio like a pro
- Achieve financial freedom

🗓️ Date: January 16th
⏰ Time: 3:00 PM MST
💰Cost: $97
💻 Location: Zoom (Recording available for all attendees)

Link available in bio!