Maple Leaf Money Podcast

Financial education and empowerment for all Canadians.
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Delivering a new financial literacy movement in Canada. Maple Leaf Money discusses and teaches all money basics. mapleleafmoney.substack.com

  1. When and How You Get Paid: Direct Deposit, Pay Frequency, and Timing

    3D AGO

    When and How You Get Paid: Direct Deposit, Pay Frequency, and Timing

    🎧 PODCAST SHOW NOTES Episode Title: When and How You Get Paid in Canada — Direct Deposit, Pay Frequency, and Timing Module: Module 5 — Getting Paid Podcast: Maple Leaf Money Episode Summary Understanding how and when you get paid is an important step in managing your money confidently. In this episode, we explain how direct deposit works in Canada, what information employers need to set it up, and how pay frequency and pay lag affect when your money arrives. We also explore why knowing your payday dates reduces stress and helps make financial decisions more predictable. This episode is designed to clarify how pay flows into your life before focusing on what to do with it. In This Episode, You’ll Learn: How direct deposit works and why it is the most common way to receive pay What a void cheque or P.A.D. form is and why employers request banking details What institution, transit, and account numbers represent The difference between weekly, biweekly, semi-monthly, and monthly pay schedules Why there is often a delay between working and receiving pay How understanding your pay schedule reduces uncertainty Why predictable income timing supports better financial awareness Key Concepts Explained: Direct deposit, void cheque, P.A.D. form, institution number, transit number, account number, pay frequency, pay period, pay lag, cash flow timing. Who This Episode Is For: High-school students, first-time workers, parents, educators, and anyone who wants a clear explanation of how pay is delivered and scheduled in Canada. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money New articles, podcast episodes, and visual micro-lessons are published regularly. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    5 min

  2. 5D AGO

    Why Payroll Deductions Exist in Canada: Understanding Taxes, C.P.P., and E.I.

    Here are your Module 5 · Article 5.4 show notes, formatted to mirror your Module 4 structure exactly — same headings, tone, and professional layout. 🎧 PODCAST SHOW NOTES Episode Title: Why Deductions Exist in Canada — Understanding Taxes, C.P.P., and E.I.Module: Module 5 — Getting PaidPodcast: Maple Leaf Money Episode SummarySeeing deductions on a paycheque can feel confusing or disappointing at first. In this episode, we explain why deductions exist in Canada and what they represent. We walk through income tax, the Canada Pension Plan (C.P.P.), and Employment Insurance (E.I.), and how these deductions help fund shared services, provide retirement income, and offer temporary financial support during life changes. The goal is to replace frustration with understanding and perspective. This episode is designed to build civic and financial literacy in a calm, non-political way. In This Episode, You’ll Learn: Why income tax is deducted from Canadian paycheques How taxes help fund shared public services and infrastructure What the Canada Pension Plan (C.P.P.) is and how it supports retirement income Why C.P.P. is one pillar of retirement planning What Employment Insurance (E.I.) provides and when it applies How shared systems operate through shared contributions Why understanding deductions builds confidence and perspective Key Concepts Explained:Income tax, shared public services, Canada Pension Plan (C.P.P.), Employment Insurance (E.I.), retirement income, social insurance, gross pay, net pay. Who This Episode Is For:High-school students, first-time workers, parents, educators, and anyone who wants a clear explanation of why deductions appear on Canadian paycheques. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money New articles, podcast episodes, and visual micro-lessons are published regularly. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    6 min
  3. Reading a Pay Stub in Canada: Understanding Your Paycheque Line by Line

    FEB 8

    Reading a Pay Stub in Canada: Understanding Your Paycheque Line by Line

    🎧 PODCAST SHOW NOTES Episode Title: Reading a Pay Stub in Canada — Understanding Your Paycheque Line by LineModule: Module 5 — Getting PaidPodcast: Maple Leaf Money Episode SummaryPay stubs often look confusing at first, especially for new workers seeing deductions and unfamiliar labels for the first time. In this episode, we explain what a pay stub is, why pay stubs can look different from person to person, and how to understand the main sections line by line. We cover hourly versus salary pay, variable earnings, common deductions, and what items like income tax, the Canada Pension Plan (C.P.P.), and Employment Insurance (E.I.) represent. The goal is to turn a confusing document into something familiar and manageable. This episode is designed to build confidence and reduce anxiety around understanding paycheques. In This Episode, You’ll Learn: What a pay stub is and why it exists Why pay stubs vary between jobs and employees The difference between hourly pay and salary pay Why earnings can change due to hours worked, holidays, premiums, or tips What gross pay and net pay mean Why income tax appears on your pay stub What the Canada Pension Plan (C.P.P.) deduction represents What Employment Insurance (E.I.) is and when it provides support Why some pay stubs include union dues or benefit deductions How direct deposit fits into the pay process Key Concepts Explained:Pay stubs, earnings, deductions, gross pay, net pay, hourly pay, salary pay, Canada Pension Plan (C.P.P.), Employment Insurance (E.I.), union dues, direct deposit. Who This Episode Is For:High-school students, first-time workers, parents, educators, and anyone who wants a clear explanation of how Canadian pay stubs work. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money New articles, podcast episodes, and visual micro-lessons are published regularly. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    7 min

  4. FEB 1

    How You Get Paid in Canada: From Your First Job to Your First Paycheque

    🎧 PODCAST SHOW NOTES Episode Title: How You Get Paid in Canada: From Your First Job to Your First PaychequeModule: Module 5 — Getting PaidPodcast: Maple Leaf Money Episode SummaryGetting your first paycheque can be confusing, especially when the amount you receive is lower than what you expected. In this episode, we explain what happens between getting hired and getting paid in Canada. We walk through common hiring paperwork, the role of a Social Insurance Number (S.I.N.), standard tax forms, and why deductions like income tax, the Canada Pension Plan (C.P.P.), and Employment Insurance (E.I.) appear on your paycheque. The goal is to replace uncertainty with clarity and confidence. This episode is designed to explain how the system works — not to overwhelm or intimidate first-time workers. In This Episode, You’ll Learn: What happens after you’re hired and before your first payday What a Social Insurance Number (S.I.N.) is and why employers need it When it’s appropriate to share your S.I.N. and how to protect it What the federal and provincial T.D.1. forms are used for Why income tax is deducted from your pay What the Canada Pension Plan (C.P.P.) is and how it relates to retirement What Employment Insurance (E.I.) is and when it provides support The difference between gross pay and net pay Why direct deposit is the standard way employees are paid Key Concepts Explained:Social Insurance Number (S.I.N.), payroll setup, income tax, Canada Pension Plan (C.P.P.), Employment Insurance (E.I.), gross pay, net pay, direct deposit. Who This Episode Is For:High-school students, first-time workers, parents, educators, and anyone who wants a clear explanation of how paycheques work in Canada. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money New articles, podcast episodes, and visual micro-lessons are published regularly. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    8 min
  5. First Jobs, First Pay, First Lessons: Why Earning Money Matters

    JAN 25

    First Jobs, First Pay, First Lessons: Why Earning Money Matters

    🎧 PODCAST SHOW NOTES Episode Title: First Jobs, First Pay, First LessonsModule: Module 5 — Getting PaidPodcast: Maple Leaf Money Episode SummaryGetting a first job is an important milestone in a young person’s life. In this episode, we explore why earning money matters, what work really represents, and how first jobs help build skills, confidence, and independence over time. Rather than focusing on job searches or workplace rules, this episode sets the foundation for understanding pay, deductions, and saving by starting with the meaning of work itself. This episode is designed to help students see earning money as a source of dignity, growth, and responsibility. In This Episode, You’ll Learn: Why earning money can build pride, dignity, and self-respect How work is an exchange of time, effort, and skills for pay Why first jobs are meant to be learning opportunities, not forever jobs How early work experiences help build practical and transferable skills How earning money can support growing independence and contribution Why a first job is a meaningful milestone on the path toward adulthood Key Concepts Explained:Earning money, work and value, first jobs, skill development, independence, contribution, financial responsibility. Who This Episode Is For:High-school students, educators, parents, and anyone reflecting on the role of first jobs in building financial confidence. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money New articles, podcast episodes, and visual micro-lessons are published regularly. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    5 min

  6. JAN 19

    Online-Only Banks in Canada: Convenient, Safe, or Risky?

    🎧 PODCAST SHOW NOTES Episode Title: Online-Only Banks — Convenient, Safe, or Risky?Module: Module 4 — All About BankingPodcast: Maple Leaf Money Episode SummaryOnline-only banks are becoming more common in Canada, but many people are unsure how they really work. In this episode, we explain what online-only banks are, how they differ from traditional banks and credit unions, why people choose them, and what trade-offs come with lower fees and digital-only access. We also cover regulation, deposit protection through the Canada Deposit Insurance Corporation (C.D.I.C.), borrowing limitations, and why many Canadians use online-only banks alongside traditional institutions. This episode is designed to replace uncertainty with clear, practical understanding. In This Episode, You’ll Learn: What online-only banks are and how they operate How they differ from traditional banks and credit unions Why online-only banks often have lower fees What overhead costs traditional banks have that online banks don’t Which core banking services online-only banks do well Whether online-only banks typically offer loans, lines of credit, or mortgages The trade-offs of not having physical branches How cash access and A.T.M. networks work Why internet or system outages are rare but possible The difference between access risk and safety risk How regulation and C.D.I.C. deposit protection apply Examples of well-known online-only banks in Canada Who online-only banks are best suited for — and who may prefer a traditional bank or credit union Key Concepts Explained:Online-only banks, traditional banks, credit unions, banking overhead, everyday banking services, borrowing limitations, Canada Deposit Insurance Corporation (C.D.I.C.), deposit protection, digital banking access. Who This Episode Is For:Students, young adults, newcomers to Canada, and anyone deciding whether an online-only bank fits their banking needs. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money New articles, podcast episodes, and visual micro-lessons are published regularly. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    8 min
  7. Credit Unions vs Banks in Canada: What’s the Difference?

    JAN 13

    Credit Unions vs Banks in Canada: What’s the Difference?

    🎧 PODCAST SHOW NOTES Episode Title: Credit Unions vs Banks — What’s the Difference in Canada?Module: Module 4 — All About BankingPodcast: Maple Leaf Money Episode SummaryBanks and credit unions offer many of the same services, but they are structured differently behind the scenes. In this episode, we explain the key differences between banks and credit unions in Canada, including ownership, fees, deposit protection, technology, and community focus. This episode is designed to help students, newcomers to Canada, and everyday Canadians choose with confidence. In This Episode, You’ll Learn: What banks and credit unions have in common How ownership differs between banks and credit unions How profits are used in each model Why fees and interest rates can vary The difference between national and community-based institutions How deposit protection works at banks and credit unions The role of C.D.I.C. and provincial deposit insurance How to decide which option may suit your needs best Key Concepts Explained:Banks, credit unions, ownership, fees, deposit protection, Canada Deposit Insurance Corporation (C.D.I.C.), provincial deposit insurance, financial confidence. Who This Episode Is For:Students, young adults, newcomers to Canada, and anyone who wants a clear, calm explanation of how banks and credit unions differ. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money New articles, podcast episodes, and visual micro-lessons are published regularly. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    6 min
  8. What Happens Inside a Bank Branch?In-Person Banking Explained

    JAN 4

    What Happens Inside a Bank Branch?In-Person Banking Explained

    🎧 PODCAST SHOW NOTES Episode Title: What Happens Inside a Bank BranchModule: Module 4 — All About BankingPodcast: Maple Leaf Money Episode SummaryWalking into a bank branch can feel intimidating—especially for students, young adults, or newcomers to Canada. In this episode, we explain what actually happens inside a bank branch, who works there, and which banking tasks are best handled in person. From currency exchange and bank drafts to loans, bill payments, and safe deposit boxes, this episode removes uncertainty and replaces it with confidence. In This Episode, You’ll Learn: Why bank branches still exist in a digital world The difference between tellers, banking advisors, and branch managers Common transactions that require or benefit from in-person visits How currency exchange works at a bank branch What bank drafts and certified cheques are used for When to visit a branch for bill payments or account issues How loan and credit applications usually work What services like G.I.C. discussions and safe deposit boxes involve Why identity verification often requires a face-to-face visit How to prepare before going into a bank branch Key Concepts Explained:Bank branches, tellers, banking advisors, currency exchange, bank drafts, bill payments, loans, G.I.C.s, safe deposit boxes, identity verification. Who This Episode Is For:Students, young adults, newcomers to Canada, and anyone who wants a clear, calm explanation of what happens inside a bank branch. 🔗 Connect With Maple Leaf Money Read the blog on Substack:👉 https://www.mapleleafmoney.substack.com Follow for more financial literacy content: Instagram: @maple_leaf_money X (Twitter): @mapleafmoney1 YouTube: @maple_leaf_money Substack: Maple Leaf Money This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mapleleafmoney.substack.com

    7 min
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About

Delivering a new financial literacy movement in Canada. Maple Leaf Money discusses and teaches all money basics. mapleleafmoney.substack.com

Information

  • Creator
    Financial education and empowerment for all Canadians.
  • Years Active
    2025 - 2026
  • Episodes
    24
  • Rating
    Clean
  • Copyright
    © Maple Leaf Money
  • Show Website
    Maple Leaf Money Podcast