The Best Christmas Gift You Can Give Your Kids

As we are rushing around buying more shizza we don’t need, why not buy something for your kids that they will be grateful for in years to come? It will be the best Christmas gift you can give your kids – trust me. They won’t remember the Star Wars paraphernalia, or the Shopkins crap that just clutters up your basement (I clearly have none of this in my basement! 😉 ). They won’t even remember the cash you gave them, that they blew at the mall on boxing day sales.

I can’t wait tell you all about HOW THE GOVERNMENT GAVE MY GRANDCHILDREN A $200,000 ESTATE next week – it’s a great true story of what I did for my kids by the way, or should I say what the government did. Stay tuned!

But this week, you just need to know that the best gift you can give your family is a little bit of financial planning.

I am blessed by a family that has done the pre-planning. The blurry impromptu selfie of me with my Oma (side note: nothing in life beats a hug, kiss and impromptu selfie with your Oma – nothing!), I took this weekend at our big family Christmas. I love that I have an Oma and parents that have their financial ducks in a row.

You love your family so much that you would give them the world, right? You spoil your kids, don’t you? Even if you don’t spoil your kids, you work hard for your money, don’t you? Then why haven’t you taken the time to make sure you have your financial ducks in a row?

If you want to do something awesome for your kids, why not get them a 4-in-1 policy. What’s that you ask? It’s an insurance policy that offers you one of these 4 things, depending upon what happens throughout your child’s life:

It’s an insurance policy that offers you one of these 4 things, depending upon what happens throughout your child’s life:

  • critical illness insurance
  • life insurance
  • all your premiums back after 20 years (kinda like a savings account)
  • paid up insurance for later years

That’s a 4-in-1 policy. They can cost anywhere between $30-$100 per month on average, and give you peace of mind knowing you are covered for whatever comes your way. THIS IS A NO-BRAINER POLICY FOR KIDS UNDER AGE 18, and because of the 20 pay period, even more perfect for 0-5 year olds (because they will be 20-25 years old when the policy is due for a payout). And if you can’t afford it for your kids, Grandma, Nana, Oma, or Baba would love to do this for your kids – hit her up! (They want to spoil their grandkids more than we as parents do!) THIS IS MORE IMPORTANT THAN AN RESP – LISTEN UP PEOPLE WITH CHILDREN – you need to get a policy like this BEFORE you even think about RESPs…

Now here’s my end-of-year-rant to the 56% of Canadians that do not have a WILL…..

Let’s cut the BULLSHITTTEEE! You say you love your family? Show them!

Make sure you have a WILL, Power of Attorney, Personal Health Directive! Do you?

We had a family in town recently die without a WILL, without Life Insurance and left his young family in a financial bind. He was perfectly healthy and had a heart attack. Isn’t this how the story seems to go? It breaks my heart, especially since I can do something about this in the world.

Have you planned out what would happen if you die? GRIM, I know, but you guys – hear me out! No one knows the hour of their death (Good Lord, I’m like the ghost of Christmas Death spreading all this Christmas cheer!)

I’m heartbroken when I hear stories of financial hardship that LOVING people left behind for their family because they didn’t take 1-2 hours to get some SIMPLE financial things in place. I don’t want that for you and your family. 1-2 Hours of your time can really make a difference for your family!

I’ve handed out my fair share of life insurance claim cheques in my career. You have no idea what that money means to families who are going through some of their most darkest days. Money does buy less stress for your family. Don’t forget that.



End of rant… for now…

If you want help with this, I can help you.

I have 2 ways I can help you.

The Do-It-Yourself version, where I walk you through all the tools you need to kick financial ASSets (this is my Money Makeover Online Course – It’s PACKED FULL of amazing content and available for $297 right now!)


Working with me 1 on 1 through Wealth Spa™  (my financial concierge membership program) or through one of my December/January Packages to get you started. I hold your hand and do most of the work this way! 😉 

It’s YOUR Time! Get off your cute ASSets and get going!


Money Makeover Online Course

December/January Money Coaching Packages

Wealth Spa™