Plain English Finance

Send us Fan Mail Are you earning over $200,000 but still feeling like your money disappears too fast? In this episode, we dig into budgeting for high-income earners and why earning more doesn’t always mean building wealth. We explore key behavioural differences between natural savers and spenders — and the blind spots both groups have when it comes to money management. You’ll learn how to stop rel...

Send us Fan Mail What Really Drove Market Gains in Q2? (Hint: It's Not What You Think) Markets bounced back in Q2—but it’s not all good news. In this bonus quarterly review episode, Tre breaks down what’s behind the recent returns and why short-term market moves can be misleading. You’ll learn what drove gains (like multiple expansion and currency), why the April drop didn’t show up on your s...

Send us Fan Mail Most people think of money as cash in the bank. But in this episode, Tre unpacks a bolder truth: money is just a middleman for value. Joined by his wife Sierra, Tre explains why viewing money as value—rather than currency—can change how you spend, save, and invest. This isn’t your usual budgeting talk. It’s a direct conversation about how our financial system works, why inflation...

Send us Fan Mail Ever wondered why tracking your net worth is essential for your financial health? In this episode, we break down exactly what net worth means, clearly defining your assets and liabilities. We'll explore practical reasons why regularly monitoring your net worth can significantly enhance your financial decision-making, confidence, and goal-setting. Plus, we provide a simple, st...

Send us Fan Mail Most people misunderstand risk — and it's costing them. In this episode, Tre breaks down how the financial industry defines risk (hint: it’s mostly about volatility) and why that approach often leads investors astray. He explains the many types of risk that matter more than short-term market swings, and how to manage them with evidence, not emotion. If you've ever said &...

Send us Fan Mail Are you paying thousands in hidden investment fees—and not even realizing it? In this episode, Tre gets a little... passionate discussing segregated funds (seg funds), an insurance-wrapped investment product that many Canadians are sold under the guise of “safety.” Tre breaks down why these products often come with inflated costs, opaque fee structures, and misleading sales tactic...

Send us Fan Mail Episode 3: How We Built Wealth by Ignoring Bad Advice Most financial advice is either too generic or completely off base. In this episode, Tre Bynoe CFP CIM and his wife Sierra explain why smart money decisions aren’t about rules—they’re about principles. From dissecting Tre’s evidence-based decision-making model to discussing how emotion and outdated advice derail financial progr...

Send us Fan Mail IIn this episode of the Plain English Finance Podcast, Tre Bynoe, CFP, CIM, explains why good financial planning isn’t about crunching numbers — it’s about making better decisions. He tackles how decision paralysis derails progress and lays out the six steps he uses to guide clients through the planning process. From managing taxes and cash flow to choosing investments and control...

Send us Fan Mail Most people get their financial advice from the wrong sources—and it shows. In this first episode of Plain English Finance , Tre Bynoe CFP, CIM shares the story behind the podcast and why your financial future depends on who you listen to. From growing up in the UK foster care system to becoming a Certified Financial Planner in Canada, Tre explains how life experience, logic, and...