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Alain Guillot

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Alain explores the subject of entrepreneurship, investing and social issues directly related to personal finance.

Alain explores the subject of entrepreneurship, investing and social issues directly related to personal finance.
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Alain explores the subject of entrepreneurship, investing and social issues directly related to personal finance.




How to create a budget plus a few savings tips.

The magic formula to create wealth is: Spend less than you earn and invest the rest Most of us know how much we earn, but we don’t always know how much we spend, we just know that if our credit card balance continue growing, then we’re heading in the wrong direction. There is only one […]


Book Review: Awaken the Giant Within by Anthony Robbins

I was overwhelmed. In 540 pages, Tony Robbins tries to teach us how to take control of our mental, emotional, physical and financial destiny. I was also overwhelmed by Tony the man, Tony the writer and Tony the marketer. I could feel his energy coming through each page of the book. The name Tony Robbins […]


Our finances evolve as we grow older

As we grow older, our financial objectives and needs change. As a kid, my main objective was to have toys and to be able to buy junk food in the school yard. As a teenager, I would have done anything to have a car. I begged my parents until they gave me one while some […]


Investing doesn’t stop at 65

Once upon a time, employees devoted all their working life to one company. At age 65 they would get a gold watch (or a pen) and a pension that would last for the rest of their life. During those times, the life expectancy was 70 years old, so employers were not saddled with the pension […]


Winning the lottery is not a retirement plan

Did you know that the retirement plan of 30% of Canadians is to win the lottery? My car mechanic had been buying $20 worth of lottery tickets every day long before I met him 15 years ago. In my opinion, his retirement could have been assured by putting that money in a retirement account and […]


Is there an alignment between you and your money?

I am semi retired. I work just enough hours to pay for my living expenses and then I don’t want to work any more. Currently I am working about 15 hours per week and I find this to be plenty for my survival. I could work many more hours if I wanted to but for […]


Most Canadians have an opportunity to become millionaires through RRSPs

Ever since I was a little kid, I have heard people saying that the rich have all the advantages and that the middle class always gets screwed. That the rich hide their money in Switzerland or in the Caribbean, and the rest of us, middle class, are stuck with paying most of the taxes. Then […]


“Money Talk” potluck, Sunday March 30 at 6:00 pm

Do you like money? Do you enjoy talking about money? Money Talk is the right place for you. Come to our 1st Money Talk potluck where we can share our money stories and goals. Schedule: ** Speach** If anyone wants a 5 minutes speaking spot, let me know. 1. Introduction: Who are you and what […]


Retirement Alert. Your Pension Plan May Fail You

Question: What is the difference between a government pension plan and a Ponzi scheme? Answer: If the government does it, it’s legal. Every time you get a paycheck, you will see a deduction for the Canada Pension Plan or the Quebec Pension Plan. This money is taken away from you (and from your employer), not […]


Do I need an attorney to write a will?

Eventually we are all going to die, and one way to be ready is to write a will. I don’t like to think about death but recently I borrowed a significant amount of money from a friend and one of her conditions to lend me the money was to include this debt and the resolution […]


Understanding The Bond Market

One of my readers, Natalia, asked me: “How does the bond market works?” If anyone else has a question about investing or personal finance, please write me a message. Here is your answer, Natalia. Assume that one of your uncles wants to borrow from you $100 for one year and he is promising to pay […]


How To Retire By Investing Internationally

Find a Muse A few month I read the book The 4-Hour Workweek by Tim Ferriss. In his book Tim encourage entrepreneurs to find a muse, a business that will sustain your lifestyle without sucking the life out of you. Today, I like to propose a muse. One Week Vacation About two weeks ago, I […]


Introduction To The Stock Market

Imagine that I create a corporation, which rents apartments to tourists, called “Alain’s Short Term Apartment Rentals” which is worth half a million dollars. When I created the corporation, I got half a million pieces of paper, each one valued at $1, to represent ownership of the company. Those pieces of papers are called shares. […]


Book Review: Delivering Happiness by Tony Hsieh

This book was an autobiography of Tony Hsieh, the CEO of Zappos. Zappos is an Internet shoe retailer that sells over 1000 different brands of shoes in every style, size and color. The shoes are shipped 24 hours per day, as many as the client wants, with free shipping both ways. At its headquarters in […]