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Articles By Vickram Agarwal:

People, relationships, debts, financial stress and economic crisis. Unemployed young Caucasian man feeling depressed, sitting at kitchen table over unpaid bills while his wife trying to cheer him up

Financial literacy

Why are we so afraid of financial mistakes?

The pursuit of the perfect financial decision has quietly become one of the biggest obstacles to making any decision...

Why are we so afraid of financial mistakes?

Newcomers to Canada

You speak the language but do you speak the money?

The biggest financial barrier for newcomers isn't always knowledge, but understanding how familiar words take on new meanings...

You speak the language but do you speak the money?
Man and woman sitting at a desk with a laptop

Financial Planning

Does good financial advice have a shelf life?

Financial principles can be timeless, but the tactics behind them often aren't. Here's why some money advice deserves a...

Does good financial advice have a shelf life?
Cashier scanning item for a family

Newcomers to Canada

The best financial lesson I learned in Canada wasn’t about investing, it was about trust

Nobody moves to Canada excited about price matching. When my family immigrated in 2019, I expected to spend countless...

The best financial lesson I learned in Canada wasn’t about investing, it was about trust

Spend

What is money actually for?

Columnist Vickram Agarwal spent more money than he ever thought he would on two Oasis concerts. The spreadsheet hated...

What is money actually for?
Portrait asian woman smiling relax in coffee shop cafe

Budgeting

In defense of the “dumb” purchase

Optimization culture says that every dollar must be maximized and every latte is a betrayal of your future self,...

In defense of the “dumb” purchase

Financial Planning

Trust, money, and AI: What Canadians are really wrestling with

More Canadians are turning to ChatGPT and other AI tools for money advice. Here's what to know about trust...

Trust, money, and AI: What Canadians are really wrestling with

Newcomers to Canada

The debt gap nobody talks about

Canada is built around borrowing, credit scores, and financing. For many newcomers, adapting to that system can feel overwhelming.

The debt gap nobody talks about

Save

Canadians are quietly overspending on convenience

Food delivery, grocery apps, and other modern conveniences can quietly drain your budget. Here’s why Canadians are spending more...

Canadians are quietly overspending on convenience