Not Just Money

Money is the fuel of possibility. Managing it well is possibility lived. Managing it poorly is possibility stolen. We say it’s “just money” – but it never is. Money shapes our lives — where we live, what we dream about, how secure we feel, what we think we’re worth, what we think we deserve. And it’s not just about numbers. It’s about who we are, what we believe, and the stories we tell ourselves.Join our hosts, Doretta and Li, for deep conversations on money and meaning.Because Money is never just Money.Tune in every Friday @ 7am for a new episode.Connect with usEmail: NotJustMoneyPodcast@gmail.comYouTube: @NotJustMoneyPod

Not Just Money is a education podcast hosted by notjustmoneypodcast, with 40 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

notjustmoneypodcast hosts Not Just Money, a education show with 40 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

• 

  Episode #40

  TFSAs vs RRSPs: How to Choose the Right Account for Your Income, Goals & Future

  Aug 14, 202633 min

  RRSP or TFSA — which should you prioritize? In this back‑to‑basics episode of Not Just Money, Doretta and Li break down everything Canadians need to know about these two powerful registered accounts. Whether you’re early in your career, earning a higher income, or trying to build long‑term financial security, understanding how RRSPs and TFSAs work is essential. They explore: The core differences between tax‑deferred RRSPs and tax‑free TFSAs How contribution limits work (and why unused room carries forward) Why RRSPs were created — and how they fit into Canada’s retirement system How TFSA contribution room is calculated (and why they’re so popular) When RRSP withdrawals are taxable — and when they’re not The Home Buyers’ Plan (HBP) and Lifelong Learning Plan (LLP) Why overcontributing leads to harsh penalties How employer RRSP matching can change your strategy Income‑based rules of thumb for choosing between RRSPs and TFSAs Why your RRSP refund can be a powerful TFSA funding tool The risks of speculative investing inside registered accounts How these accounts fit into a broader financial plan This episode gives you the clarity to make smart, tax‑efficient decisions — without the jargon, confusion, or pressure. Links: Home Buyers’ Plan (HBP) https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/home-buyers-plan.html Lifelong Learning Plan (LLP) https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/lifelong-learning-plan.html CRA Comparison: HBP vs LLP https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/home-buyers-plan-lifelong-learning-plan.html

  ListenShow Notes
• 

  Episode #39

  39 Back‑to‑School Sales: How to Save Smart, Avoid Retail Traps & Teach Kids About Money

  Aug 7, 202636 min

  Back‑to‑school is now the second biggest shopping season of the year, worth more than $4.5B in Canada alone and driven by millions of families gearing up for September. In this episode, Li and Doretta break down how retailers use basket‑building, bundling, deadlines, influencer marketing, and kid “pester power” to get you spending more than you planned. They also reveal where the real value deals are—home office supplies, kids’ clothing, dorm essentials, toiletries, and more—and why late August and early September can be the smartest time to buy. You’ll learn: Why families spend $600–$750 per child when electronics are included How retailers use “basket recommendations” and free‑shipping thresholds to grow your cart What items are true loss leaders (and which are not) Why August is peak pricing and September is clearance season How back‑to‑school shopping can become a powerful financial literacy lesson for your kids Whether you’re a parent, a student, or just someone who loves a good deal, this episode helps you shop intentionally, avoid psychological spending traps, and make your money work harder—not just disappear into impulse buys.

  ListenShow Notes
• 

  Episode #38

  38 Surveillance Pricing: How Companies Use Your Data to Set Your Price (Dynamic Pricing, AI, Privacy & Consumer Protection)

  Jul 31, 202629 min

  Surveillance pricing is no longer a futuristic fear — it’s coming, and it could change how every one of us shops. In this episode of Not Just Money, Doretta and Li break down what surveillance pricing actually is, how it differs from dynamic pricing, why Toronto’s mayor wants to ban it for groceries, and how AI-driven algorithms can quietly determine your personal price based on your online behaviour. They explore: The difference between dynamic pricing and surveillance (personalized) pricing How companies use your browsing history, device, location, shopping habits, and third‑party data to predict your “maximum willingness to pay” Why surveillance pricing is considered algorithmic price discrimination at scale The role of AI in accelerating individualized pricing What regulators in Canada are watching — Competition Bureau, privacy law, consumer protection Why privacy is now a money issue, not just a civil rights issue How loyalty programs, cookies, and tracking shape the prices you see Practical steps to protect yourself when shopping online This episode is essential listening for anyone who shops online, uses loyalty programs, or wants to understand how AI and data surveillance are reshaping everyday prices. Link: https://competition-bureau.canada.ca/en/how-we-foster-competition/education-and-outreach/publications/algorithmic-pricing-and-competition-discussion-paper

  ListenShow Notes
• 

  Episode #37

  37 Where Did Your Money Go? How to Read Your Pay cheque (Gross vs Net, Taxes, CPP, EI & Payroll Myths)

  Jul 24, 202634 min

  Most people glance at their pay cheque and move on — until something looks “off.” In this episode of Not Just Money, Doretta and Li break down what your pay stub actually tells you, why your take‑home pay is often lower than expected, and how to understand every line on your pay statement. Whether you’re a student working your first job, a full‑time employee, or someone who’s never really looked at their pay stub, this episode gives you the clarity you need to understand where your money is going — and why. You’ll learn: The difference between gross pay and net pay What mandatory deductions really are: income tax, CPP/QPP, EI What employer deductions cover (and why they’re worth it) How raises actually affect your taxes (hint: a higher tax bracket never makes you poorer) Why two people with the same salary can have different take‑home pay How to spot errors in your pay cheque What to do if you don’t receive a pay stub The risks of working under the table — from EI eligibility to CPP retirement impacts This is a practical, back‑to‑basics episode that helps you understand your income, your deductions, and your financial rights as an employee. If you’ve ever wondered “Where did my money go?”, this one’s for you.

  ListenShow Notes
• 

  Episode #36

  Be Like Taylor: Why You Need a Marriage Contract (Prenups, Money, and Real-Life Planning)

  Jul 17, 202628 min

  Taylor Swift’s wedding sparked endless speculation — but the real lesson isn’t the dress, the venue, or the guest list. It’s the financial planning behind the scenes. In this episode of Not Just Money, Doretta and Li break down why marriage contracts (prenups) aren’t just for celebrities or wealthy couples — they’re for anyone building a life together. Whether you’re entering marriage with assets, debt, a business, children, or simply a desire for clarity and fairness, a marriage contract can be one of the smartest financial decisions you make. They explore: What a marriage contract actually is — and what it covers Why prenups aren’t about expecting divorce Common myths (and Hollywood misconceptions) about prenups How contracts protect assets, businesses, inheritances, and future plans Why honest money conversations matter more than the document itself How to approach the topic with your partner respectfully and confidently Why Taylor Swift’s legal strategy is a model for everyone Li also shares her personal experience creating her own marriage contract, how she and her husband navigated the conversations, and why she sees it as a gift to her future self. If you’re thinking about marriage, already planning one, or simply want to understand how to protect your financial future, this episode is essential listening.

  ListenShow Notes

Based on semantic analysis of episode topics and host coverage, this show is a strong guest fit for executives in:

Industry fit is computed by PitchCentric using vector embeddings of the show's episode catalog.