Moolala: Money Made Simple With Bruce Sellery

This episode of Moolala: Money Made Simple digs into real-world tools and timeless lessons to help you manage your money with more confidence. We start with Equifax Canada’s Rebecca Oakes on “Optimal Path,” an AI-driven feature that translates your own credit data into clear, realistic steps - think concrete targets for utilization, payment consistency, and score impact over the next three months. Then psychiatrist Dr. Sally Satel explains “contingency management,” a harm-reduction approach where clinics pay meth users small, escalating rewards to sustain abstinence and why the data shows it works for tough clinical cases. Veteran personal-finance columnist Rob Carrick joins Bruce to unpack 30 years of lessons, from ETF simplicity and diversification to the traps of trend-chasing, dividend myths, imperfect bond hedges, and why market crashes are buying opportunities (if your timeline is long enough). We close with author Jane Blaufus on having courageous conversations about money and estate planning - what to