What if being normal is the very thing keeping you from moving forward?
For decades, “normal” has been marketed as comfortable, safe, and achievable. Buy what you want, make the minimum payment, and tell yourself that everyone else is doing the same. The problem? “Everyone else” is stressed, stretched, and still spinning on the same wheel—working harder but never really getting ahead.
When we first wrote The Wealth Formula over 13 years ago, we didn’t realize how timeless those foundational truths would become. After 37 years in real estate and over 3,100 come-alongside journeys with families across Ottawa, we can confidently say: normal isn’t working.
A Wake-Up Call We Couldn’t Ignore. Our own financial story started with what seemed like good decisions—working multiple jobs, paying bills, and doing our best to keep life moving. But after our third debt consolidation, it finally hit us: we weren’t multiplying our money; we were multiplying our creditors’ returns.
Credit cards charging 18–28 percent interest weren’t helping us build wealth—they were helping the banks do it with our money. The system was working perfectly… just not for us.
That was our wake-up call. And it may be yours, too.
If you’ve ever felt like you’re working hard but still feel financially stuck, it’s time to look at the truth: normal spending leads to extraordinary debt. Wisdom creates extraordinary freedom.
Breaking free from “normal” begins with awareness—facing what’s really happening with your money, without shame. Most Canadians today carry record levels of debt, spending about $1.71 for every $1 of disposable income. Even with historically low interest rates behind us, habits haven’t changed. Cheap money simply made overspending feel justified.
If you’re juggling payments, feeling anxious each month, or hiding money stress from your partner, you’re not alone—but you don’t have to stay there. Awareness is powerful. It’s the first step in taking back control of your finances and your future.
Money touches every area of life, especially relationships. Studies show nearly 60 percent of Canadians hide financial stress from their spouse or partner. That’s why the Wealth Formula Expanded Journey isn’t just about dollars—it’s about connection. Whether you’re planning your first home, investing for the future, or managing family transitions, financial alignment builds trust.
True wealth happens when you and your partner are not just on the same page—you’re writing the same story.
The Power of a Trusted Guide. Even the best intentions can lead to costly mistakes without the right guide. We’ve seen people follow confident yet inexperienced advice that cost them thousands—not because anyone meant harm, but because guidance matters. A wise guide has lived it, learned from the setbacks, and knows how to protect you from the pitfalls you can’t yet see.
Good guidance turns pressure into progress. That’s what The Wealth Formula Expanded Journey is all about—helping you apply timeless truths with today’s tools so you can make decisions rooted in clarity, confidence, and courage.
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