Two Girls Investing Podcast

Two Girls Investing Co.
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Are you a Canadian woman who wants to get your finances in order but gets intimidated by all the jargon? You're not alone. Welcome to the Two Girls Investing Podcast, your new weekly dose of money empowerment, minus the boring lectures. Every Friday, join friends Colleen and Jess as they chat about their own financial journeys- the highs, the lows and everything in between. One is a busy mom paying off home debt while learning to invest, while the other is a seasoned investor with a decade of experience. Through their honest and hilarious conversations, they'll teach you topics like: Budgeting and saving without feeling deprived, conquering debt and finally getting ahead, demystifying investing for beginners and navigating life's biggest financial decisions. They're not financial advisors - they're here to prove that talking about money can be fun and easy. With two different perspectives, they share what they know, ask the questions you're afraid to ask, and normalize talking about money. Consider them your money besties - here to help you take control of your financial future.

  1. 19 - Olympics Mindset, Money Wins, and Real Estate Basics (Why Your Home Isn’t Always an Investment)

    3D AGO

    19 - Olympics Mindset, Money Wins, and Real Estate Basics (Why Your Home Isn’t Always an Investment)

    In this TGIF episode of Two Girls Investing, Jess & Colleen draw parallels between Olympic progression and the investing mindset. Using their backgrounds as figure skaters, they highlight athletes like 42-year-old Deanna Stellato-Dudek to prove that it’s never too late to start, whether in sports or finance. Key Highlights: Celebrating Wins: The hosts share a listener's success in paying off a car and hitting financial milestones early, emphasizing the power of small victories.Credit & Debt: Expert tips on managing debt and improving credit utilization (aiming for under 50%) to prep for mortgage renewals and negotiations.Real Estate Basics: A guide to down payments (5% for primary vs. 20% for rentals) and a candid debate on whether a primary home is a "true" investment given taxes, maintenance, and interest.Market Insights: How real estate serves as a diversification tool, the impact of the 2008 financial crisis, and the roles of character and integrity in the financial world.The episode wraps with a look at real estate as a "next step" after maxing out TFSAs and RRSPs. For more, follow the show on Spotify, TikTok, and Instagram. 0:00 Welcome to TGIF: Investing Made Simple (Not Financial Advice) 00:34 Today’s Agenda: Olympics, Listener Win, and a Real Estate Series 01:08 How We Met: Competitive Figure Skating Rivals Turned Friends 01:29 Olympic Figure Skating Glow-Up: Quads, Quad Axels & New Scoring Tricks 03:18 Age Isn’t a Limit: The 42-Year-Old Olympian That Changed Our Mindset 07:35 From Athletic Longevity to Money Mindset: It’s Never Too Late to Invest 08:16 Listener Win of the Week: Paying Off a Car + Hitting a Big Goal Early 08:53 Celebrate the Small Money Wins: Debt Progress, Mindset & Accountability 10:47 Boosting Your Credit Score Before Mortgage Renewal 11:21 Debt Payoff Strategy Shift: Getting Balances Under 50% 12:06 Real Estate Basics: Personal Home vs. Rental Property Rules 13:14 Is Your Primary Residence Really an Investment? 14:40 Hidden Costs of Homeownership (Taxes, Insurance, Maintenance) 15:58 Jess’s Real Estate Path: Renting + Airbnb + New Build Rentals 16:30 Why Rental Properties Need 20% Down (and Higher Rates) 17:05 Real Estate as Portfolio Diversification After TFSA/RRSP 19:24 Do Real Estate and Stocks Crash Together 21:01 2008 Crisis Explained: Subprime Mortgages & Mortgage-Backed Securities 21:59 Money, Greed, and Character: The Ethics Behind Financial Decisions 23:31 Wrap-Up: Listener Qs, Where to Comment, and Next Episode Teaser

    24 min
  2. 18 - Spend on Coffee, Save on Taxes and The RRSP vs. TFSA Guide to Tax Deductions

    FEB 13

    18 - Spend on Coffee, Save on Taxes and The RRSP vs. TFSA Guide to Tax Deductions

    In this episode of 'TGIF Two Girls Investing Friday,' Jess and Colleen dive into personal finance strategies with a focus on the everyday choices that can impact financial health. They begin with a light-hearted chat about balancing life's small luxuries, like coffee outings, with broader financial goals. The conversation then transitions into detailed discussions on saving on taxes, the benefits and differences between RRSPs and TFSAs, and strategies for doing taxes either independently or with professional help. The episode wraps up with a teaser for their next discussion on real estate investing, inviting listeners to contribute their questions on the topic. 00:00 Welcome to TGIF: Two Girls Investing Friday 00:36 Personal Finance and Lifestyle Choices 00:54 Moments of Magic: Finding Joy in Everyday Expenses 03:49 Personal Finance is Personal 08:17 Diving into Taxes: Tips and Tools 13:04 Exploring TurboTax and Wealthsimpe for Taxes 13:36 Rental Income and Taxes 15:18 Tax-Saving Strategies and Credits 16:43 Understanding RRSPs and TFSAs for Tax Benefits 20:45 Claiming Work-Related Expenses and Union Fees 25:28 Final Thoughts and Upcoming Real Estate Episode

    27 min
  3. 17 - From Kenya to Kickbacks: Travel Tales & Tax Write-Offs

    FEB 6

    17 - From Kenya to Kickbacks: Travel Tales & Tax Write-Offs

    In this episode of TGIF Two Girls Investing Friday, the hosts return from a brief hiatus during which one of them visited Kenya. They share details about the mesmerizing safari and coastal experiences in Kenya, discussing the cost implications of currency. They then pivot to discuss business ventures, with Colleen detailing her journey of turning her love for shopping into a successful subscription box business supporting Canadian small businesses. Jess shares insights on running an Airbnb, including the tax benefits and strategic expense tracking to minimize taxable income. They conclude by teasing the next episode, which will focus on tax strategies. 00:00 Welcome to TGIF: Two Girls Investing Friday 00:34 Jess's Kenya Adventure 04:49 Turning Shopping into a Business 07:48 Financial Benefits of Running a Business 10:45 Maximizing Inventory Efficiency 11:03 Paying Yourself and Business Growth 11:53 Personal Finance Strategies 14:46 Understanding High-Interest Savings Accounts 15:05 Monthly Interest Myths 18:17 Tax Benefits of Owning Rental Properties 21:34 Concluding Thoughts and Next Episode Teaser

    23 min
  4. 16 - The True Cost of Kenya: Travel Goals vs. Long-Term Investing

    JAN 23

    16 - The True Cost of Kenya: Travel Goals vs. Long-Term Investing

    In this episode of TGIF: Two Girls Investing Friday, Jess and Colleen break down the fundamentals of budgeting and saving for a major trip, as Jess prepares for her upcoming visit to Kenya. They discuss the costs involved, including flights, safari expenses, and accommodations, and share strategies for saving and budgeting over a lengthy period. Additionally, Jess and Colleen touch on topics like delayed gratification, the importance of financial planning with a partner, and balancing immediate desires with long-term financial goals. The episode closes with a teaser for their next discussion on money myths and how Colleen turned her love for shopping into a business. 00:00 Welcome to TGIF: Two Girls Investing Friday 00:34 Jess's Trip to Kenya: Planning and Budgeting 02:41 Safari Adventures and Costs 09:00 Saving Strategies and Financial Discipline 12:25 Balancing Financial Goals and Enjoyment 17:28 Upcoming Episodes and Listener Engagement 18:12 Closing Remarks and Social Media

    18 min
  5. 15 -The -55°C Survival Guide: Hidden Costs & Why a $50 Shirt Costs More Than You Think

    JAN 16

    15 -The -55°C Survival Guide: Hidden Costs & Why a $50 Shirt Costs More Than You Think

    In this episode of TGIF - Two Girls Investing Friday, Jess & Colleen discuss their personal experiences with extreme winter conditions in the Yukon and the financial implications it carries. They talk about the increased costs related to vehicle maintenance, fuel, and children's winter gear, providing a real-world perspective on unexpected expenses. The conversation also delves into the concept of the value of a dollar, highlighting how saving and investing money can compound over time, significantly increasing its potential value. The hosts share practical tips on how to shift one's mindset towards more mindful spending and the long-term benefits of investing. As a teaser for the next episode, one of the co-hosts promises to reveal the detailed costs of an upcoming trip to Kenya and how she budgeted for it. 00:00 Introduction to TGIF: Two Girls Investing Friday 00:34 Surviving the Yukon Cold: Vehicle Challenges 01:55 Fuel and Maintenance Costs in Extreme Cold 04:57 Winter Gear and Family Expenses 11:09 Bus Cancellations and Winter Challenges 12:53 Financial Planning for Unpredictable Expenses 14:09 The Value of a Dollar 16:34 $50 Spent vs Invested 18:40 Make Your Money Work For You 21:23 Share With Us Your Win of The Week Sign up for our monthly newsletter and see our other resources Here Connect with us on: Tik Tok Instagram

    23 min
  6. 14 - The Cost of Cold: Managing Utility Spikes & Our 2025 Financial Wins and Setbacks

    JAN 9

    14 - The Cost of Cold: Managing Utility Spikes & Our 2025 Financial Wins and Setbacks

    In this episode of TGIF Two Girls Investing Friday, hosts Jess and Colleen catch up after a holiday break and delve into their personal experiences of surviving an intense cold spell in the Yukon with temperatures plunging between -45 to -50°C. They discuss the practical and financial challenges encountered, including soaring heating bills, increased gas usage, and the difficulties in maintaining vehicles and homes during extreme weather conditions. Reflecting on their financial journeys in 2025, they highlight their investment successes, the impact of controlled spending, and share thoughts on improving financial habits in the new year. Tune in for a candid conversation about managing finances in challenging environments and insights for a prosperous 2026. 00:00 Welcome to TGIF: Two Girls Investing Friday 00:34 Catching Up After the Holidays 00:58 Surviving the Harsh Winter 05:44 Financial Implications of Extreme Cold 11:47 Reflecting on the Past Year 17:43 Wrapping Up and Looking Ahead Sign up for our monthly newsletter and see our other resources Here Connect with us on: Tik Tok Instagram

    18 min
  7. 13 - Christmas on a Budget & The Perfect Portfolio Mix

    12/12/2025

    13 - Christmas on a Budget & The Perfect Portfolio Mix

    In this episode of TGIF: Two Girls Investing Friday, the hosts discuss practical and relatable strategies for saving money during the Christmas season, from splitting gift costs with family members to utilizing local recycling programs for gift certificates. They also detail how to build a diversified portfolio, emphasizing the importance of considering timeline, goals, and risk tolerance. Listeners will learn about the balance between stocks and bonds in a portfolio, usage of all-in-one ETFs, and helpful tools like RoboAdvisors for assessing risk tolerance. The episode wraps up with a reminder to stay financially savvy and prepare for the upcoming year. Sign up for our monthly newsletter and see our other resources Here Connect with us on: Tik Tok Instagram

    19 min
  8. 12 - From Black Friday to Bull Markets: Shopping, Sales and Market Cycles

    12/05/2025

    12 - From Black Friday to Bull Markets: Shopping, Sales and Market Cycles

    In this episode of Two Girls Investing Fridays, hosts Jess & Colleen delve into the concepts of bull and bear markets, explaining what they are and how they impact investing strategies. The hosts discuss their personal experiences with the fluctuating market, offering practical advice on how to maintain investments during downturns and the importance of dollar-cost averaging. Alongside market talk, they touch on seasonal changes in the Yukon, Black Friday shopping tips, and staying financially mindful during the holiday season. This episode aims to demystify financial jargon and empower listeners with actionable investing knowledge, all while maintaining an easy-going and relatable atmosphere. Sign up for our monthly newsletter and see our other resources Here Connect with us on: Tik Tok Instagram

    25 min
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Trailer

About

Are you a Canadian woman who wants to get your finances in order but gets intimidated by all the jargon? You're not alone. Welcome to the Two Girls Investing Podcast, your new weekly dose of money empowerment, minus the boring lectures. Every Friday, join friends Colleen and Jess as they chat about their own financial journeys- the highs, the lows and everything in between. One is a busy mom paying off home debt while learning to invest, while the other is a seasoned investor with a decade of experience. Through their honest and hilarious conversations, they'll teach you topics like: Budgeting and saving without feeling deprived, conquering debt and finally getting ahead, demystifying investing for beginners and navigating life's biggest financial decisions. They're not financial advisors - they're here to prove that talking about money can be fun and easy. With two different perspectives, they share what they know, ask the questions you're afraid to ask, and normalize talking about money. Consider them your money besties - here to help you take control of your financial future.

Information

  • Creator
    Two Girls Investing Co.
  • Years Active
    2025 - 2026
  • Episodes
    20
  • Rating
    Clean
  • Copyright
    © Jessica Rowat and Colleen Kormos
  • Show Website
    Two Girls Investing Podcast

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