Moolala: Money Made Simple with Bruce Sellery

Employee Ownership Trusts in Canada: A New Succession Option for Business Owners

Jon Shell, Chair of Social Capital Partners and a board member at Employee Ownership Canada, explains employee ownership trusts (EOTs) and how they allow employees to collectively own a privately held business through a trust. They cover what changed in 2024, why policy and tax incentives matter, how EOTs are financed, and what research from the US and UK suggests about performance, investment, and long-term incentives.

Connect with Jon on LinkedIn.

Stock Lending (Securities Lending) Explained: How Investors Can Earn Extra Income

Wealthsimple’s David Mak explains how securities lending works for retail investors, including why someone would lend shares, what borrowers do with them, and how fees are set. Bruce asks the practical questions around risk, collateral, and whether lending affects your ability to sell, plus how stock lending has become more visible as retail investing grows.

Find out more at wealthsimple.com and connect on X, Instagram and Facebook.

Career Minimalism: What It Is, Why It’s Trending, and When It Makes Sense

Glassdoor career pivot strategist Janel Abrahami joins Bruce Sellery to unpack “career minimalism,” the trend of doing the bare minimum at work to make room for life outside the office. They discuss why it resonates with Gen Z and beyond, how it can be a seasonal strategy rather than a forever mindset, and what employees should understand about trade-offs like performance reviews, advancement, and income.

Find out more at janelabrahami.com and connect on Instagram, TikTok and LinkedIn.

From Career Minimalism to Stock Lending: Smarter Moves for Work, Investing, and Ownership

What does career minimalism really mean, and why is it showing up in Gen Z work culture? Bruce Sellery speaks with Glassdoor career pivot strategist Janel Abrahami about the idea of doing the minimum at work to create space for health, family, and life outside the office, plus what this trend can look like for employees and employers. Then, Wealthsimple’s David Mak breaks down securities lending (stock lending), including how investors can potentially earn extra income by lending shares, what borrowers use those shares for, and how risk and collateral work. Next, Jon Shell from Social Capital Partners explains employee ownership trusts in Canada, how EOTs can help business owners transition succession to employees, and why employee ownership could strengthen communities and the Canadian economy. Plus, wealth manager and author Geoff Saab (Low Risk Rules: A Wealth Preservation Manifesto) shares why simple, low-fee, liquid investing can beat “prestige” products over the long run. Listen for practical takeaways you can use right now, whether you are building a career, growing a portfolio, or planning a business exit.

To find out more about the guests check out:

• Janel Abrahami: janelabrahami.com | Instagram | TikTok | LinkedIn
• David Mak: wealthsimple.com | X | Instagram | Facebook
• Jon Shell: LinkedIn
• Geoff Saab: Substack | X

Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple.

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Divorce and Insurance: Beneficiaries, Coverage, and Timing Mistakes to Avoid

Divorce is emotionally and logistically overwhelming, which is exactly why insurance details can get missed. Farzana Damji, Senior Director at RBC Insurance, walks through the biggest pitfalls, including outdated beneficiaries, cancelling coverage too soon, and not discussing insurance during settlement conversations. They cover life insurance, disability, and critical illness, and the key questions newly single people should ask to protect financial stability.

Find out more at rbcinsurance.com and connect on LinkedIn (RBC) and Facebook (RBC). Connect with Farzana on LinkedIn.

Stop the Shame: How to Rewrite Your Money Story

Financial educator and author Kelley Keehn shares the core message of her book Save Yourself and why changing money outcomes often starts with changing your money story. Kelley and Bruce explore identity, shame, and the brain-based patterns that trip people up, plus how AI can help people get more honest, build awareness, and start rewriting the narrative that keeps them stuck.

Find out more at kelleykeehn.com and connect on Instagram, Facebook and check out Save Yourself.

Situational Agency: How to Save More Without Relying on Willpower

Willpower is unreliable, especially in a world where spending is frictionless. CPA and author Robin Taub explains “situational agency,” the idea of designing your environment to make good money choices easier. Bruce and Robin dig into practical levers like paying yourself first, automating bills, and removing spending triggers so you can spend less, save more, and stick with habits that support your long-term goals.

Find out more at Substack and connect on LinkedIn and Instagram.

Loans for International Students: How Libro Credit Union is Closing the Financing Gap

Tuition can be a major barrier for international students pursuing Canadian graduate programs. Shawn Good, President and CEO of Libro Credit Union, explains how Libro partners with leading business schools, including the Smith School of Business at Queen’s University, to offer financing and support. Shawn and Bruce discuss access, inclusion, and what it means to evaluate borrowers when traditional credit history is limited.

Find out more at libro.ca and connect on LinkedIn (Libro), Instagram (Libro) and Facebook (Libro). Connect with Shawn on LinkedIn and Instagram.

Better Money Habits: Situational Agency, Insurance Tips for Divorce, and Student Financing | Full Episode

Willpower is a great idea, but it rarely holds up when money decisions get real. In this episode of Moolala: Money Made Simple, Bruce Sellery explores situational agency with CPA and author Robin Taub, breaking down how to design your environment so saving becomes easier and impulsive spending gets harder, from “pay yourself first” automation to removing digital spending triggers. Then, Farzana Damji (Senior Director, RBC Insurance) shares what divorcing couples need to know about life insurance, beneficiaries, and timing, including common mistakes that can create costly consequences. Plus, Shawn Good (President and CEO, Libro Credit Union) explains a financing option aimed at helping international students access high-cost Canadian business programs, and financial educator Kelley Keehn discusses Save Yourself and how identity, psychology, and even AI tools can help people change their relationship with money.

To find out more about the guests check out:

• Robin Taub: Substack | LinkedIn | Instagram
• Kelley Keehn: kelleykeehn.com | Instagram | Facebook | Save Yourself
• Farzana Damji: rbcinsurance.com | LinkedIn | LinkedIn (RBC) | Facebook (RBC)
• Shawn Good: libro.ca | LinkedIn (Libro) | Instagram (Libro) | Facebook (Libro) | LinkedIn | Instagram

Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple.

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

AI in Fintech: What’s Changing Behind the Scenes at Banks

Artificial intelligence is reshaping financial services, and the biggest changes may be happening where you cannot see them. Bruce speaks with financial planner and fintech expert Jason Pereira about how AI can automate back-office work, improve self-serve tools, and help advisors spend less time on paperwork and more time coaching clients. Jason also explains why AI answers can still be wrong, what “good enough” tech adoption looks like inside massive institutions, and why open banking in Canada keeps lagging. If consumers ever get real control over their financial data, Jason says underwriting for mortgages, loans, and credit could become faster, more personal, and far less frustrating.

Connect with Jason on Facebook,  X, and Instagram.