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Plain English Finance
The Plain English Finance podcast is hosted by Tré Bynoe CFP® CIM®, a financial planner with TCU Wealth Management and Aviso Wealth.
While Tré specializes in working with families with more complicated finances, typically involving corporations and trusts, this podcast is for anyone wanting to learn how to make high-quality decisions based on evidence, to give themselves the highest likelihood of financial success.
You should always consult with your financial, legal, and tax advisors before making changes.
This podcast is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell any securities.
The views expressed are those of the individual and are not necessarily those of Aviso Financial Inc.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
Episodes
14 episodes
EP. 13 | How to Set Up a Cashflow System That Actually Works
Most people “budget” by looking backward at what they’ve spent. That's reactive.In this episode, Tré walks through the exact system he and his family use to manage their money proactively — with multiple accounts, a clear spending struct...
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Episode 13
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41:02
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Ep. 12 | Why a 100% Equity Portfolio Could Be Your Best Bet
Investing Simulator: https://buildyourstax.com/Most people think bonds are “safe” and stocks are “risky.” But what if that’s exactly backward, especially over the long term?In...
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Episode 12
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47:48
Ep. 11 | Should You Invest or Pay Down Debt? Here's What the Numbers Say
If you’re torn between paying off your mortgage or investing, you’re not alone, and there’s a lot of bad advice out there. This episode breaks it down with facts, not feelings.Tré uses real planning software to run side-by-side compariso...
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Episode 11
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38:40
Ep. 10 | The Middle-Class Trap — How Households Earning $100K–$200K Fall Behind
Earning six figures used to mean financial security. Now? That mindset could be a trap.In this episode, Tré tackles the hidden risks for Canadian households earning between $100,000 and $200,000. This range feels comfortable, but it’s wh...
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Episode 10
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41:19
Ep. 9 | Tax-Efficient Debt: How the Right Structure Can Save You Thousands
Most Canadians treat debt as a burden and taxes as a given. But what if you could flip that thinking and turn your debt into a tax advantage?In this episode, Tré breaks down how to structure debt so the interest becomes tax-deductible. H...
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Episode 9
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26:32
Ep. 8 | High-Income Budgeting: How $200K+ Earners Can Start Building Wealth
Are you earning over $200,000 but still feeling like your money disappears too fast? In this episode, we dig into budgeting for high-income earners and why earning more doesn’t always mean building wealth.We explore key behavioural diffe...
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Episode 8
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46:37
BONUS | Q2 2025 Review
What Really Drove Market Gains in Q2? (Hint: It's Not What You Think)Markets bounced back in Q2—but it’s not all good news. In this bonus quarterly review episode, Tre breaks down what’s behind the recent returns and why short-ter...
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23:03
Ep. 7 | What Is Money, Really?
Most people think of money as cash in the bank. But in this episode, Tre unpacks a bolder truth: money is just a middleman for value. Joined by his wife Sierra, Tre explains why viewing money as value—rather than currency—can change how you spe...
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Episode 7
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29:16
Ep. 6 | Why You Should Track Your Net Worth
Ever wondered why tracking your net worth is essential for your financial health? In this episode, we break down exactly what net worth means, clearly defining your assets and liabilities. We'll explore practical reasons why regularly monitorin...
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Episode 6
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19:49
Ep. 5 | Why ‘Low-Risk’ Investments Can Be Your Biggest Risk
Most people misunderstand risk — and it's costing them.In this episode, Tre breaks down how the financial industry defines risk (hint: it’s mostly about volatility) and why that approach often leads investors astray. He explains the many...
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Episode 5
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26:08
Ep. 4 | The Truth About Seg Funds (and Why You Should Think Twice)
Are you paying thousands in hidden investment fees—and not even realizing it? In this episode, Tre gets a little... passionate discussing segregated funds (seg funds), an insurance-wrapped investment product that many Canadians are sold under t...
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Episode 4
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50:08
Ep. 3 | How We Built Wealth by Ignoring Bad Advice
Episode 3: How We Built Wealth by Ignoring Bad AdviceMost financial advice is either too generic or completely off base. In this episode, Tre Bynoe CFP CIM and his wife Sierra explain why smart money decisions aren’t about rules—t...
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Episode 3
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31:16
Ep. 2 | How I Help Clients Make Better Financial Decisions
IIn this episode of the Plain English Finance Podcast, Tre Bynoe, CFP, CIM, explains why good financial planning isn’t about crunching numbers — it’s about making better decisions. He tackles how decision paralysis derails progress and lays out...
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Episode 2
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21:12
Ep.1 | Introduction to Plain English Finance: Who is Tre Bynoe?
Most people get their financial advice from the wrong sources—and it shows. In this first episode of Plain English Finance, Tre Bynoe CFP, CIM shares the story behind the podcast and why your financial future depends on who you listen ...
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Episode 1
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11:42