A Way Forward: Conversations on Mental Health

CMHA Kelowna and Jessica Samuels

A Way Forward podcast, presented by Beem Credit Union, examines the challenges that can wear down our individual and collective mental health. Host Jessica Samuels focusses on the stressors, the core issues and contributing factors, and the approaches and practices that can help address these issues. Listeners will leave feeling they have the information and tools to better manager their well-being and able to find...a way forward.

  1. Mental Health in South Asian Communities

    1H AGO

    Mental Health in South Asian Communities

    In this episode of Canadian Mental Health Association Kelowna & District’s A Way Forward Podcast: Conversations on Mental Health, presented by Beem Credit Union, host Jessica Samuels is joined by community advocate and businessman Balzor Singh and CMHA Kelowna counsellor Sureet Dosanjh for an honest conversation about mental health in South Asian communities. Together, they explore the realities of stigma, cultural expectations, gender roles, resilience, language barriers and the importance of culturally competent mental health support. Balzor also shares his family’s deeply personal experience navigating mental health crises and how that journey inspired him to become an advocate in the community. In this episode: How stigma around mental health continues to affect South Asian familiesWhy many people “suffer in silence” instead of seeking helpThe pressure placed on men and women within cultural and family expectationsThe impact of language and cultural understanding in counsellingBalzor Singh’s personal story supporting his mother through mental health challengesThe importance of creating safe, community-based conversations around mental healthWhy culturally responsive care can help break barriers to supportFeatured Program: South Asian Outreach Initiative Sureet Dosanjh shares details about CMHA Kelowna’s South Asian Outreach Program, which offers free and confidential counselling services in: PunjabiHindiUrduEnglishServices are available Tuesdays from 3 p.m. to 7 p.m. at the Rutland Community Clinic. Community members can walk in or book an appointment through Foundry Kelowna by calling 236-420-2803. Memorable moments from the conversation: “The conversation is what I need to start. I’m not looking to cure or save this person. I’m looking for a quick conversation that can lead to multiple more conversations.” — Balzor Singh “Resiliency is a double-edged sword. People suffer in silence and convince themselves they are fine.” — Sureet Dosanjh “Your purpose is to serve. Even if you help five or ten people, that matters.” — Balzor Singh Resources & Support https://helpstartshere.gov.bc.ca/SouthAsianCommunities https://www.camh.ca/en/camh-news-and-stories/new-evidence-based-tools-and-training-to-support-mental-health-of-canadians-of-south-asian-origin https://www.fraserhealth.ca/health-topics-a-to-z/south-asian-health/south-asian-health-institute https://www.sochmentalhealth.com/ To learn more about CMHA Kelowna programs and supports, visit: cmhakelowna.com For questions about the podcast, contact: awayforward@cmhakelowna.org   About the Podcast  A Way Forward: Conversations on Mental Health is presented by Beem Credit Union, supporting conversations that help build stronger, more connected communities across British Columbia.

    28 min
  2. Episode 25: Rising Housing Costs & Mental Health

    APR 29

    Episode 25: Rising Housing Costs & Mental Health

    In this episode, host Jessica Samuels is joined by Jaime Edmondson (Beem Credit Union) and Mike Gawliuk (CEO CMHA Kelowna) to unpack how rising housing costs are impacting mental health across British Columbia. From renters feeling locked out of the market to homeowners struggling with rising interest rates, this conversation explores the emotional toll of financial stress—and what support looks like.   Key Themes 1. The Emotional Weight of Housing Costs Housing affordability is one of the top stressors affecting mental health todayFeelings of hopelessness, anxiety, shame, and guilt are increasingly commonFinancial stress often leads to avoidance, preventing people from seeking help  2. Renters vs. Homeowners: Shared Pressure, Different Realities Renters: (Struggle to save due to high rent and cost of living; Many feel homeownership is out of reach)Homeowners: (Facing rising interest rates and mortgage renewals; Managing increased costs while rental income may be declining)  3. The “YOLO Effect” and Saving Fatigue Saving for a home can take ~7 years on averageHigh monthly savings requirements lead many to give upResult: people choose to live in the moment rather than save, reducing chances of entering the housing market  4. The Mental Health Impact Housing is a social determinant of healthFinancial instability can: (Trigger or worsen mental health challenges; Increase isolation and stress cycles)Younger people are especially affected, facing long-term uncertainty  5. The Hidden Costs of Living Beyond rent/mortgage: (Utilities, taxes, insurance, internet, repairs)Unexpected expenses (e.g., repairs) can push people into debt cycles  6. Shame and Financial Avoidance Many people avoid financial conversations due to: Fear of judgment; Misunderstanding (e.g., mortgage renewal myths)This avoidance often leads to worse financial outcomes  Practical Takeaways Financial Strategies Talk to a financial advisor earlyBuild a clear, realistic budgetReview and cut unnecessary expenses (subscriptions, etc.)Explore restructuring debt for manageable payments  Mental Health & Community Support Seek support early—financial and emotional stress are linkedPrograms available include: Rent support and eviction prevention; Financial literacy resources; Community-based assistance  Programs & Resources Mentioned Central Okanagan Rent Bank: https://www.cmhakelowna.com/programs-supports/central-okanagan-rent-bank (Emergency grants/loans to prevent eviction)BC Housing Rent Supplement (https://www.cmhakelowna.com/programs-supports/bc-housing-rent-supplement)Financial literacy partnerships (e.g., community organizations)Beem Credit Union programs: First Home Advantage (down payment support); Debt restructuring and advisory servicesMore information and links can be found on the A Way Forward Podcast page at cmhakelowna.org. Have questions or suggestions? Email us at awayforward@cmhakelowna.org  Notable Insights Many British Columbians spend 30–50%+ of income on housingA significant portion are one paycheck away from financial crisisIncreased housing supply does not automatically equal affordability  Key Message You are not alone in feeling overwhelmed by housing costs. Support exists—and starting the conversation is often the most important step.   About the Podcast A Way Forward: Conversations on Mental Health is presented by Beem Credit Union, supporting conversations that help build stronger, more connected communities across British Columbia.

    25 min
  3. Episode 24: Substance Use and Addiction: The Recovery Journey

    APR 15

    Episode 24: Substance Use and Addiction: The Recovery Journey

    In this episode of A Way Forward, host Jessica Samuels sits down with CMHA Kelowna CEO Mike Gawliuk to unpack one of the most misunderstood topics in mental health: substance use and addiction. This conversation goes beyond surface-level assumptions to explore what addiction really looks like, why recovery takes time, and what supports are needed to help people move forward. Key Takeaways 1. Addiction is a chronic, recurring condition Recovery is not a one-time fix. Relapse can be part of the process, not a failure.  2. Detox is only the beginning Detox removes substances from the body, but it does not address the underlying causes of addiction.  3. Treatment is a process, not a place Recovery can take many forms, including outpatient care, day programs, or residential treatment. What works varies by person.  4. Addiction is often rooted in pain Substance use is frequently a way of coping with trauma or unresolved emotional challenges.  5. There is no “one-size-fits-all” recovery For some, recovery means abstinence. For others, it may involve reduced use, stronger coping skills, or rebuilding stability in life.  The Four Pillars of Substance Use Response Mike highlights a widely recognized framework for addressing substance use: ·       Prevention – Early intervention and education, especially for youth ·       Harm Reduction – Keeping people safe and alive while building connection ·       Treatment – Access to care across a continuum of needs ·       Enforcement – Addressing supply and public safety concerns Each plays a role. None works in isolation.  System Gaps Identified ·       Lack of seamless transitions between detox, treatment, and recovery ·       Limited access to supportive, recovery-focused housing ·       Insufficient early prevention and intervention funding ·       Fragmented care systems that make continuity difficult A key insight: Where someone goes after treatment can determine their long-term outcome. Shifting the Mindset ·       Recovery is not a “movie of the week” transformation ·       Progress may take multiple attempts ·       Compassion and understanding are essential, even amid public frustration ·       Addressing behaviour does not mean ignoring the underlying causes What Does Success Look Like? Success in recovery is not uniform. It may include: ·       Long-term abstinence ·       Reduced substance use ·       Improved mental health and coping ·       Reconnection with work, family, or community ·       Ongoing support through programs or peer networks The path is different for everyone—but support is critical at every stage.  Final Thought and Resources Addiction is complex. Recovery takes time. And meaningful change requires a full system of support—from prevention to housing to long-term care. - For supports, visit www.cmhakelow.org and click on programs & supports- Crisis Response, Community Led (CRCL): you can call or text the CRCL team at 778-940-2560 https://www.interiorhealth.ca/locations/kelowna-mental-health-substance-use https://helpstartshere.gov.bc.ca/ https://bc.cmha.ca/documents/substance-use-and-addiction/ https://www.camh.ca/en/health-info/mental-illness-and-addiction-index/addiction Regarding Youth Substance Use https://foundrybc.ca/topic-page/substance-use-the-basics/ https://foundrybc.ca/topic-page/substance-use-and-you/ https://f...

    34 min
  4. Episode 23: Psychedelic Assisted Therapy

    APR 1

    Episode 23: Psychedelic Assisted Therapy

    Episode Overview This episode explores the growing field of psychedelic-assisted therapy and how substances once heavily stigmatized are now being studied and used as treatments for mental health conditions. The conversation breaks down what these therapies are, how they work, and where the science is headed. Why Now? The “Psychedelic Renaissance” Early research in the 1960s–70s paused due to policy and stigmaResurgence began around 2010Drivers of renewed interest: Stronger scientific evidence, Increased public awareness (media, podcasts, documentaries), Greater accessibility of research information.   Who Might Benefit? People with: Treatment-resistant depression, PTSD, Addiction challenges Potential broader use: Early intervention, Preventative mental health care, Improving overall well-being (future direction)  Key Benefits Highlighted Can increase psychological flexibilityHelps people get “unstuck”May uncover root causes of distressProvides a sense of hope when other treatments fail  Challenges & Considerations Access remains limited and expensiveRequires trained professionals and structured supportNot effective for everyoneEthical concern: ensuring equitable access as the field grows  What’s Next? Areas needing more research: Who benefits most and whyBest therapeutic approaches to pair with psychedelicsLong-term outcomesFuture considerations: Moving from last-resort treatment → early interventionImproving affordability and accessAvoiding over-commercializationKey Takeaway Psychedelic-assisted therapy is not a standalone “quick fix.” It is a structured, therapeutic process that combines powerful experiences with guided support to help people better understand and change their mental health patterns.   Listener Resources https://www.ementalhealth.ca/United-States/Psychedelic-Assisted-Psychotherapy/index.php?m=article&ID=95638 https://www.canada.ca/en/health-canada/services/drugs-health-products/drug-products/announcements/requests-special-access-program-psychedelic-assisted-psychotherapy.html https://katacanada.org/ https://www.cda-amc.ca/ketamine-adults-treatment-resistant-depression-or-posttraumatic-stress-disorder-2023-update https://entheomed.ca/   More information and links can be found on the A Way Forward Podcast page at cmhakelowna.org.  Do personal research and consult professionals before considering treatment. Have questions or suggestions? Email us at awayforward@cmhakelowna.org   About the Podcast  A Way Forward: Conversations on Mental Health is presented by Beem Credit Union, supporting conversations that help build stronger, more connected communities across British Columbia.

    28 min
  5. Episode 22: Complex Grief: Finding a Way Forward

    MAR 17

    Episode 22: Complex Grief: Finding a Way Forward

    Grief is rarely simple. In this episode of A Way Forward, host Jessica Samuels explores Complex grief — the layered and often misunderstood experience of loss that can include trauma, unresolved relationships, sudden death, and other difficult circumstances.   Jessica is joined by Mikayla Angle, Community Education Coordinator at CMHA Kelowna, and Chivonne Monaghan, an educator, speaker, and author. Together they share personal experiences, professional insights, and the work they are doing to create more open conversations and community support around grief.   In This Episode   ·       What complex grief means and why it’s different from clinical diagnoses like prolonged grief disorder ·       How trauma, estrangement, sudden loss, or unresolved relationships can shape the grieving process ·       The stigma and silence that often surround grief conversations ·       Why traditional grief models don’t always reflect lived experience ·       The importance of community, connection, and peer support in healing ·       How turning pain into purpose can help people navigate grief ·       New conversations and initiatives being developed through CMHA Kelowna’s Discovery College   Key Takeaway   Grief doesn’t follow a timeline or a single path. For many people, loss comes with complicated emotions, unanswered questions, and experiences that don’t fit traditional narratives. Creating space for honest conversations and community support can help people feel less alone in their grief.   Resources & Links   ·       CMHA Kelowna Discovery College ·       Chivonne Monaghan’s website ·       Central Okanagan Hospice Association ·       Springfield Funeral Home     More information and links can be found on the A Way Forward Podcast page at cmhakelowna.org. Have questions or suggestions? Email us at awayforward@cmhakelowna.org   About the Podcast A Way Forward: Conversations on Mental Health is presented by Beem Credit Union, supporting conversations that help build stronger, more connected communities across British Columbia.

    24 min
  6. Episode 21: Relationships, Money, & Mental Health

    12/10/2025

    Episode 21: Relationships, Money, & Mental Health

    In this episode of A Way Forward, host Jessica Samuels is joined by CMHA Kelowna CEO Mike Gawliuk and Katie Bransfield, Director of Consumer Banking at Beem Credit Union, for a candid and practical conversation about how relationships, finances, and mental health intersect. Money is one of the leading stressors for individuals and couples across Canada — yet it remains one of the hardest things to talk about. Together, the panel explores how to bring openness, safety, and teamwork into conversations about money, and why doing so can strengthen both your relationship and your mental well-being. What We Cover in This Episode:What is financial compatibility? Katie explains why compatibility isn’t about equal income — it’s about aligned values, spending habits, expectations, and long-term goals. Understanding each other’s “money mindset” helps reduce conflict and build trust. Why money conversations feel so hard? Shame, past experiences, family teachings, and even unspoken expectations all shape how we interact with finances. Creating a safe, judgment-free space is essential. How to talk about money with your partner Practical guidance from Katie on: Choosing the right moment Starting with curiosity Being transparent about income and debt Discussing spending styles, lifestyle expectations, and shared financial plans Checking in regularly as a team Debt: Red flag or normal part of life? Debt itself isn't the issue — secrecy is. Katie outlines how transparency and a realistic repayment plan matter more than the number itself. Navigating income disparity Couples don’t need to earn the same amount to be financially compatible. What matters is shared values, open communication, and agreeing on how to manage resources together. When to seek outside support Financial institutions and professionals can provide clarity, structure, and reassurance. Mike reinforces that reaching out for help — financial or mental health — is a sign of strength, not failure. The mental health impact of financial stress Mike shares insight and data on how finances affect well-being: 41% of Canadians name money as their biggest stressor Nearly half lose sleep over financial concerns Shame and stigma are major barriers to seeking help He also highlights everyday mental health strategies: noticing changes in mood or sleep, staying connected socially, exercising, and reaching out for professional support when needed. Key Takeaways: Start the money conversation early and often. Transparency builds trust — secrecy breaks it down. You don’t need identical money styles, just shared understanding and a joint plan. Financial stress impacts mental health, and mental health impacts financial decision-making. Seeking support from financial experts or mental health professionals can make a significant difference. Approach finances as a team: same goals, same direction, shared understanding. Resources & Links: For mental health resources, financial wellness tools, or past episodes, visit the A Way Forward podcast page at cmhakelowna.org. Have questions or suggestions? Email us at awayforward@cmhakelowna.org. Episode Sponsor This episode is supported by Beem Credit Union. With deep roots in BC and a commitment to your financial wellness, Beem proudly backs conversations that help build stronger, healthier communities.

    14 min
  7. Episode 20: CRCL Kelowna

    11/19/2025

    Episode 20: CRCL Kelowna

    In this episode, host Jessica Samuels sits down with Innovation & Project Development Manager at CMHA Kelowna, Jamie Lloyd-Smith to introduce CRCL (Crisis Response Community Led), an innovative new service operated by CMHA Kelowna. CRCL offers a compassionate, community-driven alternative to traditional crisis response—one that does not involve law enforcement and is built on peer support, clinical expertise, and voluntary participation. Jamie explains who CRCL is for, how it works, why peer experience is foundational, and how it fills a critical gap between crisis phone lines and emergency services. Drawing on insights from other BC communities already using this model, she highlights the power of being met by trained responders—without uniforms, judgement, or police presence—who can meet people where they are and on their terms. CRCL launches in Kelowna in early 2026 and aims to provide immediate, human-centered support for anyone aged 13+ who is experiencing a mental health crisis. Key Topics Covered • What is CRCL? A mobile, community-led crisis response program.Stands for Crisis Response Community Led.Built to bridge the gap between crisis lines and 911.• Why a community-led model matters Many people in crisis are met with police response—not always appropriate or trauma-informed.CRCL teams include clinicians and trained peers with lived experience.• Role of Peer Support Peers bring empathy, credibility, and firsthand understanding of navigating mental health challenges.Their input shaped program design—from how phone calls are answered to how people are greeted.• How CRCL works Service for anyone 13+—you can call for yourself or someone else.Call or text a dedicated number (to be released).A two-person team responds in person—no uniforms, no police.Fully consent-based: the individual in crisis directs the process.Focus on safety, de-escalation, listening, and co-creating a care plan.• When to call CRCL “There is never a wrong time to call CRCL.”Crisis is self-defined.Early support can prevent emergencies.• How CRCL fits with existing services Helps divert people from emergency departments and police involvement.Strong collaboration with first responders when safety concerns exist.• Lessons from other BC communities Kelowna will be the 7th community to implement this model.Jamie shares insights from Victoria’s program, including partnerships, safety practices, and community relationships.• Launch timeline CRCL Kelowna launches early 2026.CMHA Kelowna will release access details and resources as the program becomes available.Notable Quotes “When we don’t include the voice of lived experience, we’re just going to get it wrong.” — Jamie“There is never the wrong time to call CRCL.”“You define what crisis looks like in your life—and your experience is valid.”“This program meets you where you’re at, with compassion, dignity, and choice.”Resources & Links Learn more: A Way Forward Podcast page at cmhakelowna.orgHave a question about CRCL or this episode? Email: awayforward@cmhakelowna.orgAbout the Podcast A Way Forward: Conversations on Mental Health, presented by Beem Credit Union, explores timely and complex mental health topics with local experts, sharing insights that help build healthier, more compassionate communities.

    19 min
  8. Episode 19: Navigating Mental Health as a Gay Man

    11/06/2025

    Episode 19: Navigating Mental Health as a Gay Man

    In this powerful and deeply personal conversation, host Jessica Samuels sits down with Matteo Stewart to explore the unique mental health challenges faced by gay men. Matteo shares his lived experience navigating identity, community, and mental health—from coming out in the 1990s, to the ongoing effects of societal expectations, to finding belonging and resilience later in life. Together, they unpack what it means to be “out to yourself,” the impact of code-switching, the intersection of trauma and identity, and how political and social climates continue to affect 2SLGBTQIA+ mental health today. Matteo’s honesty about his own journey—including his cancer diagnosis and how community has become his lifeline—offers a moving reminder of the healing power of connection and authenticity.  Key Themes - Identity & Mental Health: Understanding the mental health impacts of being “out” versus “not out,” and the internal work of self-acceptance. - Code-Switching & Survival: How changing behaviour to fit in affects emotional well-being, even for those long out of the closet. - Community & Connection: Why safe spaces and supportive networks are critical for thriving, not just surviving. - Trauma & Resilience: The lasting mental health effects of discrimination, loss, and societal stigma—and the ways gay men build strength and healing. - Barriers to Health Care: The inequities gay men face in accessing medical and mental health supports, particularly outside major urban centres. Resources Mentioned: https://checkhimout.ca/https://pflagcanada.ca/https://gmsh.ca/https://advocacy-canada.lgbt/ Takeaway: Matteo reminds us that mental health and identity are deeply intertwined—and that thriving comes from being seen, heard, and supported for who we truly are. Building community, finding purpose, and showing up authentically are not only acts of courage, but acts of healing. The A Way Forward Podcast: Conversations on Mental Health is proudly presented by Beem Credit Union.

    37 min

About

A Way Forward podcast, presented by Beem Credit Union, examines the challenges that can wear down our individual and collective mental health. Host Jessica Samuels focusses on the stressors, the core issues and contributing factors, and the approaches and practices that can help address these issues. Listeners will leave feeling they have the information and tools to better manager their well-being and able to find...a way forward.