Hem Bhatt provides the basics as well as some advanced thinking over the episodes in this podcast series. And Hem is definitely someone people should to as he has built a career around understanding money, the role it plays in our lives and how to keep more of it to guard and secure our future. He has a bachelor’s in business administration in Accounting and Taxation, a master’s Certificate in Project Management, an LLQP and completed courses in Canadian Investment Funds and Branch Management from the IFSE Institute. He has been working over ten years in the field and has been leading seminars in How Money Works for professionals and beginners alike. His unique perspective on balance in life, discipline in spending and savings and setting life priorities inspires his clients and students to his seminars alike. Disclaimer: Primerica is the trade name of Primerica, Inc., an organization that markets financial services through various affiliated companies in Canada, including PFSL Fund Management Ltd., PFSL Investments Canada Ltd., Primerica Financial Services Ltd., Primerica Life Insurance Company of Canada, and Primerica Client Services Inc., as well as affiliated companies in the U.S. (collectively the "Primerica Companies"). Primerica offers a business opportunity that involves the sale of term life insurance and various other financial service products. Primerica representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale. In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation. Primerica representatives are not financial or estate planners, lawyers, tax advisors, credit counselors or debt managers. For related advice, individuals should consult an appropriately licensed professional. All references to "plans" or "financial plans" are to be understood as synonymous with the term "financial game plan" and should not be misconstrued as constituting financial planning. References to various milestone achievements and levels of success involve sales force representatives who have achieved extraordinary levels of cash flow during their careers. Personal cash flow levels fluctuate, and these achievements do not reflect earnings of typical representatives. The strategy or tips being suggested may not apply to everyone in every situation and do not guarantee any success of outcome. From January 1 through December 31, 2022, Primerica paid cash flow to its Canadian sales force at an average of $17,141, which includes commissions paid in Canadian dollars on all lines of business to life licensed representatives. "Ownership" refers to the conditional right of an eligible Regional Vice President (RVP) to transfer his or her business to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on POL control in all respects. The examples and information herein are for educational purposes and are not intended to be a recommendation to buy, sell or hold a security or to adopt a particular investment strategy or to be a solicitation of a life insurance policy. For more information, refer to https://bit.ly/PriDisclosures.