To pay off debt, or invest?

Financial Advisor - Smart Happy Money

Pay off debt or invest One of the most common questions people ask me is whether they should pay off debt or invest? Well, the answer is……. it depends. Actually, the answer could be a little bit of both. Let’s look at an example. Michelle has $500 per month after all her spending needs are…

2020 Budget update

Financial Advisor - Smart Happy Money

Last week the federal government delivered the much anticipated (and delayed) federal budget. Gone are the days of debt and deficit as the government begins to spend like we have never seen before to stimulate our economy and create jobs.  Is it enough?  Is it targeted to the right place?  Only time will tell. The…