THE MMG - The Millennial Money Guide
The MMG – The Millennial Money Guide is hosted by award-winning millennial money coach Gina Judge, who teaches listeners how to take control of their finances. The show covers budgeting, investing, building credit, managing student loans, getting a mortgage, and becoming debt-free while living a more fulfilled life. Drawing on more than a decade in the finance industry, Gina shares practical guidance aimed especially at Canadians. New episodes arrive weekly on Sundays and are intended to help listeners move from financial struggle to confidence.
Episodes
What Two Strangers Took Away From My Investing Webinar
I ran a free investing webinar last week. Two people who sat through it recorded a conversation afterward about what they actually took away. I wasn't in the room. This is just what they had to say. And it's better than anything I could've said about myself. So I had to share it!You'll hear them work through the Jack and Jasmine math in real time. Same $2,000 to start, same $250 a month, one of th
When She Wins & You FLINCH!
On The Flinch, The Forum, And The Sister You Were Taught To Compete WithContent note: this episode includes discussion of online harassment, body commentary, & real stories directed at brown women.There is a moment that happens to almost every brown woman, and almost none of us talk about it. You see another brown woman win, her engagement, her promotion, her business launch, her trip, her new
Why Female Entrepreneurs Stay Broke (And How to Fix It)
Most female entrepreneurs are broke in their business accounts AND broke in their personal accounts. And no one is saying it out loud. Until now.In this episode, Gina is pulling up a chair for the female entrepreneur who is tired of pretending she has it all figured out. The esthetician, the coach, the realtor, the content creator, the therapist, the accountant. If you're building something that's
Quantum Leap: She's Already You
She's already you: somewhere, on some other timeline, the woman you keep dreaming about is already living the life you keep wanting. So why are we still earning, charging, dating, and shrinking like she hasn't arrived?In this flagship episode, Gina takes one viral passage about quantum leaping and applies it where it actually matters: your money and your relationships. Expect cultural truth-tellin
Till Debt Do Us Part
Money is the #1 thing couples fight about and the #1 thing they refuse to talk about. In this episode, we're pulling back the curtain on the conversations your relationship can't afford to skip: merging finances without losing your independence, handling the income gap without resentment, setting shared goals when your money mindsets don't match, and what to do when one of you is a saver and the o
Rewire Your Wealthy Woman Brain: Money Affirmations to Attract Wealth, Abundance & Financial Freedom (Listen Daily)
Your bank account is a mirror of your beliefs. And if those beliefs were handed to you by a family, culture, or past version of yourself that was operating from scarcity — it's time for a rewrite.In this episode, I'm walking you through powerful money affirmations designed to reprogram the subconscious stories keeping you stuck in the paycheck-to-paycheck cycle, the over-giving cycle, or the "I'll
From Survival to Self-Trust: Building Financial Power as a Woman
This is from me being hosted on the Thinkspace podcast with Summan Kandola & Self HiredFrom leaving an abusive home environment while carrying five-figure debt to building a six-figure net worth, this conversation is a full-circle moment for me. I recently sat down with Summan Kandola for a powerful, honest conversation about money, self-trust, and what it really takes to build financial power
Your Financial Reset - Building Wealth in 2026
Join me and the team at Coaches Don’t Play as we break down practical steps you can take right now to start building real wealth in 2026. Let’s be honest—2025 may have been a shit show, but it’s a new year and a new month, which means a fresh opportunity to reset. In this episode, we talk mindset, strategy, and actionable moves you can adopt immediately. Lock in, apply these tips, and watch how fa
The Broke Girl Lie: Why Trad Wife Culture Isn’t Cute, & Financial Freedom Is Feminism
In this episode, I join Natasha and Rebecca with the 'Where Do We Begin' podcast. Today, we’re unpacking the rise of "trad wife" culture — the aesthetic, the ideology, and the hidden consequences behind the viral vintage aprons and soft-filtered domestic bliss. We challenge the romanticization of financial dependence and ask: who really benefits when women opt out of earning power? From social med
Punjabi Influencer Hate feat. Coaches Dont Play
Pammy and I put on our detective hats, determining the identities of over 20 cyber bullies. In 2024, a platform was created to drag down punjabi influencers, entrepreneurs, and content creators. An absolutely revoluting hub spewed by hate. Some of these bullies dragged the way women look, their weight, their kids (literally bashing on how their toddlers look), making up lies and slut shaming succe
BIG CASH ENERGY - An Exclusive Interview with Jayna Marie
It's time to get that bag, baby! Are you drowning in debt? Too broke to break up? Wondering if you'll ever be able to afford the life you want? Then listen up! In this episode, Jayna Marie host of The Big Lash Energy podcast picks up my brain about making and growing your money! From relationships to designer bags, if your goal is to achieve financial freedom then you're going to want to listen to
The Hidden Costs of Being a "Good" Daughter
Being a "good daughter" in a South Asian family can feel like an Olympic sport—complete with high expectations, endless sacrifice, and little room for your own dreams. But what happens when you want to level up, take control of your financial future, and stop putting everyone else first? In this episode, we’re peeling back the layers of cultural "duty" and showing how you can rewrite the script—wi
South Asian & Divorced: The Journey to Financial Freedom
In this heartfelt episode, I delve into the often unspoken struggles faced by South Asian women navigating life after divorce. Drawing from personal experiences, I explore the stigma surrounding divorce in our communities and the unique challenges of financial insecurity, societal judgment, and the quest for self-identity. Learn practical steps to reclaim your life and thrive. Whether you're in a
Feminine Magnetism: Attracting A Provider
Being mindful about your life choices is key to success in every aspect of life. When you date, you need to have set standards not based on shallow things like height or physical features that eventually fade with age. But based on values. For example, can this man build an empire with you? Can this man insure that your children are born into wealth? If you’re over the age of 24 you have no busine
Tax Hacks: Maximising Your Refund
It’s estimated that Canadians lose billions of dollars annually due to mistakes, missed deductions, and unclaimed credits on tax returns. Studies suggest that Canadians are leaving hundreds of millions to billions of dollars unclaimed each year. The reality is that you’re probably leaving money on the table. Some of the largest expenses that are missed include medical expenses, charitable donation
Rich or Broke: Decoding Your Money Attachment Style
Have you ever stopped to think about how your childhood experiences can affect your romantic relationships? Did you know that our upbringing can affect the way we behave in adult relationships, including how we handle our finances? While your parents might not have known what an attachment style was, they shaped yours as a child. The fact is, we don’t just have relationships with people, we have r
Unveiling Indian Weddings
If you live in Metro Vancouver or the Greater Toronto area, there's a good chance that you've either been invited to an Indian wedding or attended one. They're often lavish, extravagant, week-long affairs with anywhere from 500 to 1,200 guests. An Indian wedding can last from three days to even a full week. There is a lot to love in an Indian wedding, but with all the extravagance and glamor, the
Million Dollar Decisions
Do you make million dollar decisions or do you make penny decisions? The difference between the two determines what your life looks like and it’s one of the most important areas of your life that you have control over. Success isn’t just about working hard; it’s about the choices we make. Who you spend your time with matters. Did you know that up to 95% of our success or failure in life can be att
New Year, New Money Mindset
New year, new me?! Is 2024 your big break when it comes to transforming financially? Listen, I know 2023 felt like a bit of a rollercoaster but it's up to you to get your sh*t together. And what better way to start than by setting some solid new years resolutions that revolve around money? This New Year, New Money Mindset is EVERYTHING. Tune into this episode to learn more about actionable steps y
From Rags To Riches
80% of millionaires in the US are first generation rich, meaning they didn’t inherit their wealth, instead they built it. Tune into this episode where I explore the intersection of mindset and money. Learn personal tips, mindset shifts, and financial strategies that'll help you achieve millonaire status in your life time. Whether you're navigating financial challenges or aiming for financial freed
Heartbeats & Bank Statements - Talk Money To Me, Baby
We’ve all heard the saying that money can’t buy love but can love survive the financial rollercoaster? Do you think combining money and marriage is a disaster? Financial stress is the second leading cause of relationship breakdowns, behind infidelity. 73% of couples say stress related to money is the root cause of their issues. Financial compatibility means you and the person you are in relationsh
No Daddy, No Safety Net
This episode is dedicated to the all the girlies who grew up without a strong male figure in their life. To all the women who navigated the journey of life without their father by their side. Today, we celebrate your resilience and the unique experiences that shape you into the remarkable woman you are. This episode celebrates your story, your strength, but more importantly the power of sisterhood
The Millennial Money Guide Trailer
Become a supporter of this podcast: https://www.spreaker.com/podcast/the-mmg-the-millennial-money-guide--4452947/support.THE MMG RESOURCES:Gina's 6 Month Mentorship Program - Learn MoreBook a one on one session w/ Gina (1 Hour)Course on InvestingFree Mortgage Preapproval / RefinanceGet $25 From Wealth SimpleOur Digital Products - Shop NowGet Personalized Advice in 24 HRSANONYMOUS SUBMISSION - PODC
Sinking Funds - Helped Pay For An Experience of a Lifetime
A sinking fund isn't traditional savings. Instead, it's money that's meant to be spent — the idea is that you already have it set aside when you need it. It's a buckets of savings set aside for significant expenses.I don't feel guilty dipping into my sinking funds. Unlike my emergency savings, I'm not setting money aside for a worst-case scenario. Instead, it's cash I know I'll need.Because of thi
What Does Money Mean To You?
How often do you indulge when it comes to spending recklessly? Sometimes it's intentional other times it's impulsive. Sometimes we buy things to impress people we don't even like. Tune into this episode where I get interviewed by Areena Antoine, host of the Self Love Lounge Podcast.---Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclassFollow me on instagram for free
Let's Make You 6 Figures - The Ins & Out's of Becoming A Mortgage Broker
Are you thinking about becoming a mortgage broker? Are you on the fence about whether this career path is for you? Do you want to make 6 figures? Let's talk about the pro's & con's of pursuing a career as a mortgage broker.Episode Highlights: 04:40 - What does a mortgage broker do?10:50 - What skills does a mortgage broker need?14:50 - How much do mortgage brokers make?15:22 - Can you work as
The Magic of Passive Income *Chef's Kiss*
Passive income is the Holy Grail of the business world—it’s income that takes little or no effort to bring in. This is the kind of income people make without doing much work or limited effort. It includes renting out real estate, selling digital products, investing in dividend paying stocks & so much more.This episode of The MMG podcast is sponsored by Quadency, Quadency is a one stop trading
Personal Finance Tips To Live By
We're half way into 2022 and here are a few personal finance tips all YOUNG (or old) adults need to live by! Tune into this episode for some inspiration to get ahead financially.In this episode I discuss:- The average savings rate- Saving for retirement & the importance of starting to save now- Smart debt- Department store credit cards- Credit card debt- Budgeting nearing a recession& so m
Recessions Make The Most Millionaires
Recessions occur when growth stops and the economy starts to shrink. They're inevitable, but unpredictable. And you can take steps to better prepare your finances. This episode gives you guidance on what you need to do now!--------Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclassFollow me on instagram for free money tips 24/7: (www.instagram.com/iamginajudge)Want
Let's Put That Tax Refund To Work!
Soooo, you got a tax refund? Before you go blowing it on that Gucci purse you've been eying over the last few months, listen to this episode. Today, we discuss some SMART ways to spend your tax refund -- the future you will thank you. What are you waiting for? Hit 'play'--Purchase my virtual course on investing: https://www.themmg.ca/investingmasterclassFollow me on instagram for free money tips 2
Should I Work For A MLM? PROS & CONS
Has anyone ever slid into your DM's claiming they can help you make 10k per month? Maybe they're trying to sell you this amazing reality of working anywhere from the world while making 6 figures. All you have to do is sell their company's product? How hard could it be?Well the likelihood of you earning 6 figures and living this lavish life is slim to none. Sorry to break it to you.. in this episod
Should I Get A Fixed or Variable Rate Mortgage?
Are you on the fence about getting a fixed or variable rate mortgage? Tune into this episode to learn more, in this episode I cover:- What a fixed rate is- What a variable rate is- The pro's and con's of a variable or fixed rate- Penalties when breaking a fixed rate- Penalties when breaking a variable rate- Components that impact interest rates- Should you lock into a fixed rate?This podcast episo
Your Routine For Financial Success
Everyone wants to be financially successful. But do you ever wonder about what it takes, day in and day out, to build a money routine that works? It might be easier than you think! In this episode I deep dive into what it takes to create a great routine, habits can make our lives much easier and having a daily routine helps with that. The things that we do every day, seemingly on auto-pilot, are w
Free Money For Your Kids! Let's Talk RESPS
We all know that children are expensive, in fact the average post secondary education costs $96,000. What if I told you that the government of Canada gives away free money that can be used towards your child's education? There are a number of benefits associated with opening a RESP, listen to this episode for a brief introduction. Today, I discuss:- The benefits of a RESP- How to open a RESP- How
The Pros of Refinancing Your Mortgage
Refinancing your mortgage has a number of benefits. But what exactly does it mean to refinance? In this episode I break down:- How a mortgage impacts other areas of your finances- Refinancing your mortgage today & what that looks like- The main reason homeowner’s refinance their mortgage- What a mortgage broker looks at when refinancing your mortgage- Fees involved with refinancing a mortgage~
Let's Talk Current Mortgage Environments with Nika
Today I chat with Nika Farb from Miss Findependent. Nika is on a mission to teach women financial literacy, helping them become confident investors, entrepreneurs or go further in their careers.Here's what we get into today: 3:13 - Common Misconceptions about Mortgages5:55 - What is a Mortgage9:50 - HELOCs11:50 - Interest Rates23:03 - Why Work with a Mortgage Broker27:16 - Should You Buy Property
Tax 101 - Maximizing Your Tax Return
Taxes, a word that used to stress me the f**ck out. Once I learnt how to maximize my taxes, I no longer stressed around tax season. In this episode I break down:- How to effectively prepare for income tax season- Softwares you can use to file taxes- How to stay organized throughout the year- Different tax deductions and credit’s you can tax advantage (if you’re a student, a parent, a first time ho
Achieving Guilt Free Spending
Do you feel guilty spending money on yourself? Do you refrain from taking vacations because you feel like you can't afford it? In this episode, I provide strategies that'll help you make guilt free purchases. In 2022, I prioritized traveling, I made a goal to travel to a destination once per month. Using the strategies mentioned in this episode, I'll be able to execute this without breaking the ba
P-P-PRENUP - All The Right Money Moves In A Relationship
50% of married couples will end up divorced, 41% of couples argue about money, and nearly 2/3 of newly weds start their relationship off in debt. We're on a mission to change that. You and that special person in your life need to go on routine money dates. You also need to be mindful of how you decide to split your finances with this person, there's no right or wrong answer but you need to find a
DON'T Make These Mistakes as a First Time Home Buyer
In this episode, I discuss costly mistakes that I see first time home buyer's making. If you're looking to purchase a property you need to do everything in your power to avoid these mistakes. ~ If you enjoyed this episode, remember to subscribe and leave a review!Want to start a mortgage application? Email me at: gina.judge@cleartrust.caFollow me on instagram for free money tips 24/7: (www.instagr
A Career In Real Estate, Is It For Me?
So you've been thinking about getting into real estate but you don't know if it's for you. You might have the following questions:How long will it take for me to get clients? How much could I potentially make? What's the difference between a realtor and mortgage broker? Which one should I pursue? How do I make BIG $$$?In this episode I break down the pro's & con's of getting into the real esta
I Want To Invest, But How Do I Start?!
So, you've heard it's a good idea to start investing in the stock market but you have no idea where to start! If that's the case then you better hit the play button and listen to this episode. The best decision you can make in 2022 is to start as opposed to putting it off, invest time and $ into educating yourself. When investing, consistency is key, it's better to invest $100 a month as opposed t
Metaverse, NFT's, Web 3.0 - WTF?
Ladies & Gentlemen there's a ton of changes taking place in the digital world, you either get with it or you get left behind in the dust. 20 years ago people thought the internet was a FAD, I'm sure those same people are currently kicking themselves right now. The best decision you can make is to simply become educated on these subject matters.If all of this is going up and over your head, bel
The MMG Coaching Program, Let's Get It!
Why should you hire financial coach? A money coach helps you understand the key foundational aspects of managing your money. Like a fitness coach, financial coaches will help you build a better relationship with your money, focus on an actionable path forward, and develop positive, life-long financial habits.This episode introduces you to my coaching program. This program is designed to help women
Boundaries That Will Make You Rich
Any woman who wants to be financially successful must master setting healthy boundaries both in her personal and professional life. In this episode, I've made it my mission to help you create and maintain healthy boundaries with ease. That’s right, it doesn’t have to be hard—even when it comes to money. This episode is all about understanding your worth, articulating your worth, and vocalizing wha
Starting a Side Hustle
If all of your income is dependent on a single source and that source fails, you are immediately in trouble. If you only have one stream of income then this episode is for you! They say the average millionaire has seven streams of income, what are you doing to diversify your streams? In this episode I cover the following:- The importance of diversifying your income streams- Finding a side hustle t
Becoming a Bad B*tch, It's Time to Move Out
This episode is dedicated to all the women stuck in toxic households. Violence is one of the leading causes of homelessness for women. A large number of women stay in marriages that are unhealthy and even border on dysfunctional due to financial insecurity and stress. With more women and children stuck at home during the pandemic, ER doctors saw a rise in child abuse & sexual abuse. You may no
Real Estate Investing? Tell Me More, Gina
MINI SERIES ALERT - EPISODES THAT GET RIGHT TO THE POINT!Do you ever feel annoyed or embarrassed because your friends and family talk about investing in property and you know very little about it? Are you here right now because you're thinking "what's all this real estate mumbo jumbo about?" If you answered yes, I bet you didn't know that real estate is one of the fastest ways to build long term w
The Most Important Investment Decision
MINI SERIES ALERT - EPISODES THAT GET RIGHT TO THE POINT!What's the single most important decision you'll make when investing? If you're thinking "when I buy stocks," you might be wrong.. it isn't when you buy stocks but when you'll actually SELL them. The average millennial doesn't have an exit strategy planned, now let me ask you, do you? If you don't.. this decision could cost you thousands of
Five Ways To Evaluate A Stock
MINI SERIES ALERT - EPISODES THAT GET RIGHT TO THE POINT!With so many different metrics to evaluate stocks, how do you select the one that makes the most sense for you? In this episode, I give you a starting point by breaking down the following: dividend yields, price to earnings ratio, price to earnings growth ratio, the dividend discount + discounted cash flow model, and current ratio.Follow me
Insurance, The Most Overlooked Step - This is Step 7
The odds of getting cancer are 1 in 2, nearly 50% of people will become disabled at some point in their life and that disability will last more than 2 years. Knowing this is the case, why haven't you got life, disability or critical illness insurance yet? You're willing to insure your car and your house but you haven't insured your biggest asset - YOU! In this episode, I'm going to breakdown the f
Qualifying for a Mortgage - This is Step 6
Only 43% of Millennials own homes, this is well below the rates of Gen X (67%) and Baby Boomers (77%). Do you feel like you'll never accomplish your dream of owning a home? Well I'm here to remind you that you can. Listen to this episode if you're ready to jump start an action plan towards home ownership. Today, I'm going to break down the following:•The process to obtain a mortgage•The key elemen
A Deep Dive into Investing - This is Step 5
Let me guess, you've been meaning to start investing but you don't know where to start? Maybe you're scared to take a leap of faith? Well, I'm glad you ended up here. Get ready for a crash course on investing, this episode bridges off of episode 4 so I suggest starting there. Today, we're going to cover some of the following topics: stocks, key investment terms, mutual funds, index funds, exchange
Investing 101 - This is Step 4
Your time and money is everything. You work hard for your money but is it working hard for you? If it isn't, it's about time you considered investing. Investing can be daunting and confusing. Tune into this weeks episode and learn how to make more money and take control of your investment success. You can expect to walk away with a better understanding of what investing is, why it's important and
Let's Get You Out of Debt - This is Step 3
No matter how much debt you're in, I need you to understand that you won't be stuck forever. In today's episode, I'm going to equip you with much needed advice on how to get out of debt. If your credit card balances are keeping you up at night, then it's about time that you hit the play button below. We're about to level you up in every possible way when it comes to your finances. This is step 3 f
Building Your Credit Score - This is Step 2
Our parents taught us many of life's important lessons but did they adequately prepare us for smart credit card use? In most cases, the answer is no. In today's episode, I'm going to teach you everything you need to know about credit, your parents can thank me later. We'll cover all the key bases starting with what credit is, why you need to build it, how you can build it, and lastly mistakes to a
Budgeting Made Easy - This is Step 1
This episode is all about our favourite 'B' word, yeah you heard me: BUDGETING! In this episode I discuss a number of ways to help you improve your money mindset, let's start by getting vulnerable and thinking about our money road blocks. I'll help you understand why you struggle to manage your money in the first place. Next, I walk you through an exercise to determine how these money road blocks
