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Unknown
Hi, everyone. This is Tina, and I'm at National Bank financial with my friend. You sit here and he has a story to share with us today. Hello, everyone.

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Unknown
Like, Tina mentioned, my name is Yousef Haidar. I'm an investment banker at National Bank financial, and I wanted to share with you guys today how I became a investment,

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Unknown
investment banker or an investment advisor here at National Bank financial, because that was not always in the cards,

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Unknown
growing up.

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Unknown
I was born here in Windsor,

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Unknown
I am one of four people,

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Unknown
three,

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Unknown
younger siblings. And,

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Unknown
throughout my earlier education, my parents really pushed for us to become doctors, lawyers, engineers,

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Unknown
which is very typical of our culture. And,

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Unknown
we didn't really get a much, much of a say at it.

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Unknown
Growing up,

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Unknown
as I got into,

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Unknown
high school,

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Unknown
again, taking a lot of science courses and didn't even really look at business,

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Unknown
but then, you know, there was always some sort of interest in the math field. Like, I really like numbers,

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Unknown
growing up, I was the type of person I used to read the financial news and was really interested on how things worked, why stocks go up and down and, and,

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Unknown
I kind of I even enjoyed reading those,

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Unknown
financial reports, like the earnings reports, which nobody did.

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Unknown
Yeah, they're very boring. They're very boring.

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Unknown
But that was just a hobby of mine, and I didn't invest, and I didn't really, other than reading, I didn't really partake in any of the, the investment world.

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Unknown
So that was high school,

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Unknown
in university again. I studied, science, biological science. And,

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Unknown
my brother got accepted to med school, and he went to med school and we were talking one day and he told me, that, you know, he's like, don't you know, medical school is really, really hard.

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Unknown
Don't become a doctors. It's a lot of work. And,

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Unknown
it made me think, like, is this something I want to do for the rest of my life?

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Unknown
You know, I'm glad that my brother is. And he loves what he does. But, you know, I had this quiet rumbling that maybe, maybe, something in the finance sector.

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Unknown
Would make a lot of sense. So I joined a bank, and, of course, I started at the bottom of the bottom. I was, I was a teller at, one of the other banks and,

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Unknown
and my,

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Unknown
spare time, I used to just read and and by then I started doing my own investments and investing online and things like that, and I just loved it.

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Unknown
I loved it, so I took the courses that I needed to become even more,

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Unknown
involved in investing. And then I moved from one bank to national bank, and then,

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Unknown
I climbed my way up to an associate here at National Bank financial, where I did that for about

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Unknown
7 or 8 years. And now,

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Unknown
I am an investment advisor, a wealth management advisor.

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Unknown
you told me you had no idea that you were going to go into banking when you started a banking. No. In fact, when I started, in the other bank, I did it while I was in school. So this was a way of helping my parents pay for my tuition. And it was a way,

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Unknown
to have some spending money.

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Unknown
And you know, it was nice because the the day, the hours were during the day,

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Unknown
so the days that I had off from university or on weekends, this was good.

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Unknown
But I didn't know that this was going to turn into, you know, my career at the time.

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Unknown
And this was just, you know, buying my time before I applied, med school or pharmacy or dentistry or something like that. Yeah. Yeah, we had the same pressures, my culture, I think I took all of the tests, the mCAT, the Lsat, the dental one. Yeah. I feel like you're fit and perfect with my family because when I was a kid, I used to remember my parents would just be like,

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Unknown
when.

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Unknown
I'll give you an example, Tina. So when I, you know how when you go into high school, you have to apply for your courses. Yeah.

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Unknown
And you always have the basics, you know, you have your English and your French and your, you know, sciences and things like that. But they always left a couple of electives, like things that you wanted to do would be like woodworking or a machine,

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Unknown
machine working or something, or automotive or something like that.

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Unknown
My parents got mad when I chose. I think I was like woodworking in grade nine about like, what were you to go with this? Like, there's no extra science class. You can't take, like, a grade ten class. And then summers would come and then be like, isn't there like, courses that you could do to kind of get into the medical field quicker?

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Unknown
We went to the same high school. Right, Marcy? Yeah. You went to see I went to Marcy. So,

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Unknown
you did the Marcy six, the enrich six. I did the next program. Yes, yes. Yeah. I think the only one I didn't do was, I don't know, like data management or something, but I did the other five and it was just I don't know, I don't I didn't even choose that.

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Unknown
I think it was just the culture that we grew up being in. Matthew. You just did the Enriched six.

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Unknown
was it like a flex for you to be in the Rich program? No. Okay. So in my family it was for some reason it was like a dinner topic or my son's there for a little global. It's like it's nothing.

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Unknown
There wasn't really a big difference for me. Yeah. You know what I did do? I did stay after school with Mr. White and I did the math program. Mr. Bruce White. Yes, yes, there is many stories that I have with Mr. White. Yeah. Actually, you know, a funny story about Mr.. Right.

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Unknown
His math classes were so interesting to me that, there's times that I do, such as visit his nightmare and,

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Unknown
I mean, I was in there some really, really, really smart people in those classes.

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Unknown
But,

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Unknown
yeah, he, I would say he was a big,

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Unknown
part of why, like the,

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Unknown
the numbers game so much. He was really good. Very,

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Unknown
passionate about math. Yeah. Mr. white. Yeah, yeah, that was a good time. Yeah, yeah. My family was so strict that,

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Unknown
that was the only time I was able to socialize.

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Unknown
I stayed at school. I went to the math program, actually. Yeah, that that makes sense. It's like, okay, well, you're in, you're in, like, math. So it's like, okay, you know. Yeah, you're going to learn. Sure. So then when I graduated from,

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Unknown
Massey,

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Unknown
in grade 12 and we went to well, I went to University of Windsor,

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Unknown
I didn't take any business classes like this was completely new to me because I was full fledged on going something in the health field that,

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Unknown
the hardest part about coming into the banking world was kind of learning a lot of the stuff on my own.

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Unknown
Of course, there's a lot of there's tons of,

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Unknown
tons of courses and tons of material out there to,

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Unknown
to really learn. But,

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Unknown
I felt like that was kind of behind the ball when I first started here. Yeah. It wasn't it wasn't the easiest,

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Unknown
transition. But I think I'm a big believer that if you enjoy doing it, it's not really work.

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Unknown
It's just it's, you know, you're just you enjoy doing it, and you, you want to do it. Time flies. And before you know it, it's like, oh my God, I've been reading for 3 or 4 hours because you enjoy doing it. And the motivation was there. So that was

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Unknown
yeah, there was that was a interesting time. And then telling my parents, you know what?

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Unknown
I'm no longer going to fulfill their dream of, you know, becoming a doctor. Yeah.

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Unknown
And I use my brother there. I said, well, you have one in the family, and then my sister's a nurse. I'm like, you have a nurses over here to get some dentists in the family, but some, you know, other family members are doctors and it's fine.

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Unknown
But yeah, they've been really, really supportive since then. And, Yeah, it's been quite the ride. I was just going to ask you. So they're obviously supportive of you now in the banking. You know, it's funny because,

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Unknown
they don't they don't know what I do just as much as when I first started here. I didn't know what was offered here.

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Unknown
So when they say banking, the extent of what my parents said at the time was they go into the bank, they have a checkbook, they deposit in, withdraw, pay a bill, maybe withdraw the ATM. Yeah, I think that's important. I mentioned banking is there's the world of finance is not I think a lot of people think that it's just what they see at the, at the front lines, at the retail or personal bank.

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Unknown
But there's so many different avenues and so many different branches within finance that, you know, there's there's almost something for everyone. If you're if a person that likes to be quiet and facing and talking to people, tons of positions, they're if you're somebody like the behind the scenes and wants to do more analysis and portfolio analysis and compliance and things like that, great.

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Unknown
If you want to be a coach and a leader. Yeah, there's the management role. So there's a lot of different things. So for my parents they only saw a deposit withdraw. They didn't really know. Yeah. Yeah. In fact when I started I started off as the teller. So when they would come in they would just see that I was just a teller.

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Unknown
You deposit my checks in seven. You, you know, you help me to get my money out.

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Unknown
But now, later on in my career when I bring them in, because they do manage their money,

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Unknown
they're fascinated that, you know, there's a whole behemoth.

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Unknown
Of a department that

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Unknown
does a lot of things from research, planning,

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Unknown
portfolio analysis, investing. I mean, it's just really, really it's a really big, department. And, I would say that they're they're happy with my decisions, I hope. Okay. Yeah. I mean, just like you said, if it feels like you love it so much, it doesn't really feel like work.

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Unknown
And so to you, does it just feel like you're just hanging out with your friends all day? In a sense, yeah. So let me clarify. So yeah. So if you really, really enjoy it yes. It's not work. But there's always those challenging. Yes. And then the banking's no different.

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Unknown
My job is is tied to portfolio management of a lot of clients, which is then, reliant on the markets.

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Unknown
Right. And as we know, the markets can be very, very volatile. I would say if I look back at my career, you know, I would say the hardest times for me was the Covid,

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Unknown
I wasn't in the, the finance when the, economic

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Unknown
crisis happened in 2008, 2009. And there's been, you know, previous ones before that, which obviously I wasn't a part of.

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Unknown
So my first real taste of, you know,

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Unknown
volatility and, and markets going through a very, very tough time was Covid when markets went down 35, 40% in a matter of few days. And you know, and so if you had a portfolio and you look out and you look online and all of a sudden your your numbers are down.

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Unknown
Yeah. That was a that was a tough time. So even though I enjoyed what I doing, it was very, very tough. And then in 2022 and interest rates went up really, really quickly again, that was a tough time.

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Unknown
Now with a lot of geopolitical stuff and a lot of, you know, different things going around the world. I find that the most challenging part is dealing with clients,

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Unknown
you know, staying in their hands a little bit, reminding them of their overall plan, reminding them that this is just a blip on the bigger picture.

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Unknown
Right? If we ever look at an index chart, yeah, it's down now. But over the long term, if you have a nice, well,

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Unknown
defined portfolio that typically you will do well.

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Unknown
Yeah. So dealing with emotional investors is probably the hardest part of this role. So I do enjoy it. But it does have its challenges for sure.

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Unknown
For sure. Yeah. Okay. So if someone is new to investing or they don't invest at all, I know you think it's very important that people do that. What is your advice for people to maybe get started? If it's like you look at it and it's just like, this is too much. I think that's honestly a very, very, very good question.

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Unknown
I don't think so. Maybe now it's different. I don't think growing up there was enough lessons helping people budget,

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Unknown
preparing for their retirement, preparing for their future. And there's a lot of vehicles out there. There's a tax free, you know, there's the first home savings plan. There's obviously investments, there's non-registered accounts, there's rrsps, there's a lot of stuff out there.

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Unknown
And I, I could see where a lot of people that want, to, better their finances or get a hold, get a better, hold of their finances. They don't know where to start. And they see this, you know, this, this giant behemoth of, of a topic, and they run scared because they don't know where to start.

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Unknown
My advice would be, that there are advisors, obviously many banks,

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Unknown
that their primary role is to help navigate this,

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Unknown
confusing sector at times. Right. And,

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Unknown
my first recommendation would be, you know, to sit down with an advisor.

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Unknown
You don't have to do this all on your own. The advisors,

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Unknown
have,

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Unknown
a lot of knowledge, dealing with clients,

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Unknown
and they're, you know, in different types of, in different stages of their life, I would say,

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Unknown
but I would, I would speak first to probably the younger generation.

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Unknown
I would say that, you know, I hear this a lot, especially my, my, my, my sister, who's a lot younger than me, her circle of friends. You know, a lot of this is something that I'll worry about later on in life. And I think that's a great mistake. I think there's a lot of statistics that I can show you that if you start earlier, you can actually put less money in.

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Unknown
And it would compound years and years and years into the future that you don't have to put a big amount where if you started in your 30s, 40s, 50s, you'd have to put up a bigger amount to get to, you know,

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Unknown
your retirement goals.

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Unknown
And I would say to the younger generation, you know, start early, but also,

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Unknown
you know, learn how to budget, you know, there is as you know, it's not like it's very I would say, you know, since Covid, it's been very, very quickly, but it's very expensive now, like, you know, the cost of living has gone up and,

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Unknown
you know, mortgage rates have gone up, house

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Unknown
prices have gone up. Right. So I do think it's something that, you know, you want to start, earlier than later. And I would also say that,

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Unknown
you know, it doesn't you don't necessarily have to know everything under the sun about investing that obviously the advisors will be there to help you. I think it's more important about having a plan.

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Unknown
So sitting down with your advisor, even sitting down with yourself and saying, okay, I am x number of I'm x number of years old, you know, I want to retire or I want to buy a house or I want to get married. And my plan is this. And it can change, right? It doesn't have to be solidified, but it could change.

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Unknown
But it's the saying, okay, to get there. What do I need to do now? How do I budget now? And working with your advisor, helping, maybe doing some sort of monthly contributions or something,

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Unknown
to help reach the goal. And I think that's the best advice I can give everyone. Have a plan and sit with your advisor and then work out how to get to that plan.

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Unknown
What if somebody has debt? Like, I don't know, a lot of debt, a little bit of debt? Do they still invest or is it more of a concern to get rid of the debt? Because I feel like if people owe money, they might be like, why would I invest? Because I owe money. Sure. You know, that's a common question.

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Unknown
I get a lot. It's do I pay off my credit card or do I give you the money to invest?

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Unknown
I do think it's case by case, but I'll tell you generally. Generally,

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Unknown
like a mortgage I don't consider, in my opinion, is not a you know, it's not a, it's not a debt like a credit card or a line of credit.

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Unknown
Right.

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Unknown
So let's start with the premise that, you know, we're talking about credit cards and lines of credit.

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Unknown
You know, before, when interest rates were so low, I know if you remember, it was like before Covid, like, you can get interest rates. I mean, it was, maybe three, 3% to 3 or 4% to get a line of credit.

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Unknown
In theory, the answer is that if you're making more in the markets, right, if you're making more in your portfolio, then yeah, you would, you would invest the money rather than, pay off your, your debt.

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Unknown
Whereas interest rates now have climbed up. Right. And they're almost in the double digits or somewhere in the double digits. It's really hard to outperform that in the markets right now.

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Unknown
Yeah. So you know, to the answer would be logically that you pay your debt. But I think it's deeper than that. I think it's also, you know,

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Unknown
I think that it's how you manage the debt. Obviously you don't want to the paycheck to paycheck.

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Unknown
If you have an opportunity to pay down the debt, maybe not all of it.

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Unknown
I think that maybe,

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Unknown
it would make sense to tackle that first. Because you are paying interest rate. And if you have the money just sitting in the bank, you know, it's hard to justify that, you know, how can I have this debt?

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Unknown
And then all that's a little bit different, like I said, like a car loan payment where you're paying 18, 19, 20% is probably something that you want to you want to pay down right away.

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Unknown
So I think that's a, it's a, it's a little bit of a give and take. I would say the general answer is pay off your debt, pay off your debt and then get it. And then work on investing especially high interest at like credit card debt. Credit card is at least 20% right hundred percent. Yeah. Pay that off 100%.

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Unknown
If you have credit card debt and you have a nice portfolio, we would strongly recommend that you take a little bit out of your portfolio and bring about that down to to zero if you can. Yeah, yeah, yeah.

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Unknown
Something popped up in my head earlier. I don't know who said it, but I'm just remember, you're like the eighth wonder of the world is compound interest.

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Unknown
Have you heard that? Yes, yes, yes. And I don't think enough people know what that means is your money is making money on the money that you made. So it's a very, very powerful tool. And that's kind of alludes to what I was talking about earlier that if you start earlier, you can actually put down less

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Unknown
Then your money would be making money on the money you contributed and the growth of your portfolio.

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Unknown
it is literally the eighth wonder of the world when it comes to financing. I think people get motivated in this when they see, like in your,

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Unknown
circumstance that, hey, it's growing. You know, I feel like, you know, when people sometimes grew up getting at the wrong time, but it's like, oh, well, it's like going to the casino.

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Unknown
But over the long run, yeah, people get very much involved when one, they have a say in what they're doing. So like I said, when you have a plan it feels like, hey, I have control of my life. I have control of my finances. If it's not somebody doing it for me, that's one and two. When they see them, when they see their portfolios grow and they see that they're reaching their goals.

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Unknown
So when you say, I put in 10,000 in 2016 and my plan was, you know, I want to eventually buy a house and I want to get to 50,000 by the state. And you get there. I think it's like an a euphoric moment. I think people get very, very excited and it makes them want them, makes them want to continue to save and invest.

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Unknown
I'll give you a personal story. I know we have a client that, her and her daughter,

00:15:48:09 - 00:16:00:06
Unknown
invest with us, and she's been convincing, you know, to tell their daughter, you know, why don't you start investing? And she would say, oh, I don't have much. And so we sat down and said, it doesn't have to be a big amount, you know, you could start very, very little, you know, work within your budget.

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Unknown
Just finished university and she's looking to start. But she doesn't have maybe the funds

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Unknown
to to start aggressively. And she started something very small and it was one of those that came automatically out of her paycheck. And they went to a portfolio here, and it was just going on for a couple of years. You know, this has grown so much that when she called and she said, oh my God, I gotta, I gotta buy a car, my car broke down.

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Unknown
And you know, what can you give me? And it was funny. I asked her, how much do you think that you have in your portfolio? And you gave me a number and it was nowhere near that. It was thousands of dollars more. And the reason was, and I went through the history is, you know, yeah, there was some tough, tough times.

00:16:37:00 - 00:16:49:07
Unknown
But overall she's done very, very well. She was so static that, you know, she withdrew the money to pay for a car. And then she was like, I want to bump up my savings. So people that see the front of it get really, really motivated. Yeah.

00:16:49:07 - 00:16:59:09
Unknown
And because she started so young when we did the production plan of when she gets in her 60s, she couldn't believe that, you know, she would have this sum of money according to the plan available to her to retire.

00:16:59:14 - 00:17:15:10
Unknown
Yeah. And her mom was like, I wish I started earlier. Like, you have this ability to start in your 20s. Yeah. Here I am, talking to my advisor later on in life and saying, oh my God, I have to put a lot more down just to catch up to you, and you can put a lot less in the compound and time.

00:17:15:13 - 00:17:16:27
Unknown
You're going to do very, very well.

00:17:16:27 - 00:17:23:09
Unknown
So yeah. So we hear those stories a lot. Yeah. Yeah. And when you said the word control that reminded me of,

00:17:23:09 - 00:17:34:01
Unknown
what the attitude of a lot of younger people is these days, it's like we don't have any control at all. So what is the point of even saving. But I mean I'm sure you're going to know better.

00:17:34:01 - 00:17:45:21
Unknown
But like, if we don't save at all, you're just running behind the times and you're just fighting to stay afloat. You have to start somewhere. Even if it's like $20 a week out of your paycheck, right? I agree, I agree.

00:17:45:21 - 00:17:51:22
Unknown
I would ask for your your your comment. There are two ways. One, there's the control and the sense I can do it all on my own.

00:17:51:23 - 00:17:58:17
Unknown
I can get what, Wealthsimple or, Robinhood invest in my own right and why do I need an advisor?

00:17:58:17 - 00:18:01:23
Unknown
To that, I would say, yeah, there's a lot of people that like to do this on a on their own.

00:18:01:23 - 00:18:03:10
Unknown
As a hobby, I would say,

00:18:03:10 - 00:18:09:23
Unknown
it takes a lot of time. So with an advisor, my role is to research and provide the best advice.

00:18:09:25 - 00:18:17:19
Unknown
That's what I do. I mean, these people probably have different jobs, and they're trying to do this on the side. You know, sometimes it just they can't find the time. The other thing that I would say, so,

00:18:17:19 - 00:18:21:09
Unknown
so I would say that the advisor approach, you know, it's really in their benefit.

00:18:21:09 - 00:18:24:29
Unknown
I also think that the people that say we have no control,

00:18:24:29 - 00:18:27:29
Unknown
are the same people that later on and say, I wish I would have started earlier.

00:18:28:06 - 00:18:37:25
Unknown
I this is a I think this is a proven, area where if you have a well diversified portfolio and you stick within your risk tolerance,

00:18:37:25 - 00:18:47:22
Unknown
I would say that it's you're almost certain to do very, very well over the long run. Yes. In the short term there might be some volatility. If you're looking in the last month, six months, a year or two years.

00:18:47:22 - 00:19:08:09
Unknown
Yeah, you might get some some volatility. But if you look over decades you'll be the the the numbers or the ROI. The returns are in your favor. So I would tell those people that yeah, yeah. You said there's no control. This is a way of getting into control and sitting with your provider and you have input. It's not like you, you know, you just give the money to the advisor and it's like, okay, I don't I don't see it.

00:19:08:09 - 00:19:10:13
Unknown
Again. You have input, you have,

00:19:10:13 - 00:19:16:01
Unknown
your interests, the things that there's a lot of people that want to invest in certain areas that we, we,

00:19:16:01 - 00:19:26:01
Unknown
you know, we've we will certainly, invest in those areas. And there's some people that, you know, don't like a certain sector that we can invest, we're divest from, invest in different sectors.

00:19:26:01 - 00:19:34:19
Unknown
So they have control. And the plan, I think, is the best form of control you're planning for your future, and you're the one that's going to be,

00:19:34:19 - 00:19:42:28
Unknown
you know, like, with your advisor, your you, us, and the client is working to ensure that it's it's going to be,

00:19:42:28 - 00:19:46:03
Unknown
completed. So you do have control. That's what I would say.

00:19:46:05 - 00:20:06:08
Unknown
Yeah I agree. And like you said as soon as you start and you feel that control it's like a game. I look at my bank numbers like it's a video game honestly. Like I love they're just numbers at the bank. It doesn't even feel real sometimes it's like oh it's up today. Up. It's down today. Okay I look at this every single day and I tend to agree with you.

00:20:06:08 - 00:20:08:07
Unknown
It's, you know, some days up, some days down,

00:20:08:07 - 00:20:09:08
Unknown
I get joy from it.

00:20:09:08 - 00:20:10:12
Unknown
I try to impart,

00:20:10:12 - 00:20:19:00
Unknown
motivation, inspiration for anybody that I meet up. What? I try to get them motivated about it because I don't want it to be a Monday, like, oh, I gotta go see my advisor. I want it to be like, oh, I'm working towards my future.

00:20:19:00 - 00:20:23:24
Unknown
I'm going to see my advisor. I'm excited to see what we can do, maybe to get to my goals faster.

00:20:23:24 - 00:20:35:28
Unknown
So that's the message that I give when clients come here. Well, you always get the people that. Don't be like looking at me, telling. And I'm just like you. You're doing well, you're doing well. And it's like, okay, that's all I need is, you know, thank you so much.

00:20:35:28 - 00:20:52:09
Unknown
Thicker because some people like the numbers, right? So people are like, what's this mean? What's this mean? And some just sit there and they're just like, how am I doing? Is this good? Okay. Thanks for meeting. See you later. So you get like literally there's so many different types of people. Yeah, yeah. But everyone should be investing I think.

00:20:52:09 - 00:20:53:25
Unknown
So I think, yes, I think,

00:20:53:25 - 00:21:07:27
Unknown
I think you should take I mean, everyone should take a closer look at their finances and not just take it for granted. I get a paycheck and I pay some bills. I think they should sit down with an advisor and and see what's out there. And we didn't even talk about the taxes.

00:21:07:27 - 00:21:21:19
Unknown
It's like, you know, there's a lot of even things that minimize taxes through tax free savings accounts and rrsps and for those new parents, you know, saving money for college is for children, right? Rrsps and things like that. There's like so many different vehicles out there. And I just don't think the common,

00:21:21:19 - 00:21:23:15
Unknown
I would say the common citizen would know,

00:21:23:15 - 00:21:27:06
Unknown
whereas, you know, an advisor would, would know that.

00:21:27:06 - 00:21:33:05
Unknown
And I think it's in their best interest. Okay. Yeah. This is a fun conversation. I had fun,

00:21:33:05 - 00:21:37:01
Unknown
is there hopefully it wasn't too boring. Not at all.

00:21:37:01 - 00:21:43:27
Unknown
Are there any final thoughts that you feel like we might have missed over that people should definitely remember,

00:21:43:27 - 00:21:48:06
Unknown
if they remember you survived. Oh, I guess remember the message.

00:21:48:06 - 00:21:50:14
Unknown
You don't have to remember me, per se, but I would say,

00:21:50:14 - 00:21:52:09
Unknown
kind of what we just talked about at the end.

00:21:52:09 - 00:21:54:17
Unknown
It doesn't have to be,

00:21:54:17 - 00:21:56:14
Unknown
complicated and doesn't have to be hard.

00:21:56:14 - 00:21:57:08
Unknown
But I do think that,

00:21:57:08 - 00:22:05:16
Unknown
you know, taking taking hold of your finances and, and, and, and learning how you know, the basics work.

00:22:05:18 - 00:22:20:03
Unknown
But if I had to leave you with, one message today, and this is for everyone, that's that's watching that, I would start with, budgeting and then having a plan. Having a plan, sitting down with yourself and saying, okay, how do I see my life here? Don't wait until it's later on.

00:22:20:03 - 00:22:23:09
Unknown
Because time is in your, in your favor.

00:22:23:11 - 00:22:35:21
Unknown
The eighth wonder of the world is in your favor. And there's so many, resources and advisors that are willing to help you. Okay. Thank you. And if someone is inspired by you specifically, how do they find you?

00:22:35:21 - 00:22:39:13
Unknown
I could give you my contact information. I can give you,

00:22:39:13 - 00:22:41:25
Unknown
obviously, I work with Fairway Wealth Management here at National Bank financial.

00:22:41:25 - 00:22:55:09
Unknown
They can call me, email me here. I can also, you know, pass on my social media, like my LinkedIn and things like that. Okay. And I encourage people to reach out and if they have any questions, regardless of their clients or not, I, I really do want to help.

00:22:55:10 - 00:23:15:28
Unknown
Hi everyone. Thank you so much for making it to the end of the episode. If you live in Windsor, Essex County area in Ontario, Canada, then you should know that I host an open mic live storytelling event the last Saturday of every month at Alo Lounge on Erie Street in Little Italy from 5 to 7 p.m..

00:23:16:00 - 00:23:22:08
Unknown
If you don't know what open mic storytelling is, while I encourage anyone to come up and share their story,

00:23:22:08 - 00:23:30:26
Unknown
We have different themes. Every month. The event celebrates connection, our humanness, our emotions, our rawness.

00:23:30:26 - 00:23:38:04
Unknown
It gives us space to really express ourselves and to have people listen. Because I feels like

00:23:38:04 - 00:23:40:26
Unknown
we don't really get too much of this

00:23:40:26 - 00:23:41:25
Unknown
anymore.

00:23:41:29 - 00:23:55:28
Unknown
It is essentially a gathering of the souls and sharing a little part of ourselves with each other, whether it be a funny story, a sad story, a happy story, a romantic story, any story that is yours

00:23:55:29 - 00:23:56:29
Unknown
you can share

00:23:56:29 - 00:24:00:05
Unknown
and I'm loving the community that is coming from this event. So

00:24:00:05 - 00:24:07:15
Unknown
come to the event. I hope to see you there. You can purchase tickets at tales of the town aka.