Episodes

In this episode, Aaron shares a deeply personal story about walking away from what seemed like the “smart financial decision.” After landing a high-paying corporate job that promised early financial freedom, he quickly realized the hidden cost, long hours, constant travel, loneliness, and a marriage under strain. Despite the impressive paycheck, the life behind it felt empty. Aaron opens up about the moment he chose emotional well-being, relationships, and happiness over money and how that decis...

What happens when you constantly compare yourself to others? In this episode, Aaron Buchner, from Cactus, returns after a five-month hiatus to share a deeply personal story of emotional burnout caused by the pressures of social media comparison. Initially engaging in ‘doom scrolling’ for content ideas, Aaron found himself increasingly obsessed with likes, follows, and validation from others, leading to a full-blown emotional breakdown. Aaron discusses: (00:26) The Burnout Begins (01:11) The ...

Are you ready to revolutionize your financial approach and embrace freedom from confusion? What if you could navigate your way through financial uncertainty confidently without letting fear dictate your choices? In this episode of No Pricks Allowed from Cactus, Aaron Buchner uncovers the myths and realities of recession-proofing your investments. He addresses market timing, diversified portfolios, and why chasing volatile stocks might feel like gambling at times. Aaron discusses: Recession-Proo...

What’s your investing personality? Dive into this episode of No Pricks Allowed from Cactus, where Aaron Buchner tackles the ever-prickly topic of investments with relatable humor and practical insights. Skip the jargon and forget the one-size-fits-all advice—Aaron explores how your unique behaviors and reactions to the market should guide your investment decisions, using real-life scenarios and light-hearted anecdotes to make it all click. Aaron discusses: (02:42) Individual investment strategi...

What happens when life insurance becomes less of a chore and more of a strategic benefit? In this episode, Aaron Buchner takes the mystery and confusion out of life insurance. If you’ve ever wondered if life insurance is a must-have or a misused financial tool, this episode is a must-listen. Aaron tackles common misconceptions and explores who truly benefits from having a policy. Aaron discusses: (02:23) The essential criteria for determining who needs life insurance (04:53) Common types of ins...

Are you ready to ditch the financial stress and learn how to have fun while budgeting? In this episode, Aaron Buchner tackles the age-old problem of budgeting. Look out as he sets out on part two of our budgeting series. Aaron digs into practical approaches to creating a budget that empowers you rather than drains you, while keeping it fun. Aaron discusses: (05:04) Avoiding spreadsheet overload and keeping things simple (08:45) How prioritizing what really matters can transform your financial l...

Are you tired of looking at your finances and feeling more stressed than when you started? What if budgeting didn’t have to be tedious or restrictive? In this episode, Aaron Buchner dives deep into the world of budgeting with a refreshing twist. He tosses out the traditional rulebook and discusses how understanding and prioritizing your expenses can unlock a life where financial planning doesn’t mean living on spreadsheets! Aaron unravels the mystery behind the dreaded “B word” – budgeting – and...

Why should you consider critical illness insurance as a part of your financial strategy? In this episode, Aaron Buchner tackles the often-overlooked topic of critical illness insurance. He explains why this form of insurance is not just an ‘extra’ but a crucial part of securing your financial future. His discussion explores the impact of unexpected medical expenses, especially for Canadians who believe healthcare is entirely covered. Aaron discusses: (02:32) Why Canadian healthcare isn’t entire...

Ever wondered how much you’re really paying for financial advice and whether it’s worth it? Dive into this episode as we discuss two key ways advisors get paid and how they shape your financial journey. In this episode, Aaron Buchner sits down with Mark Hansen, Financial Advisor, Second Comma, to break down the differences between Assets Under Management (AUM) versus Fee-Only planning. They’re not here to proclaim a ‘one size fits all’ solution but to explore how different payment structures can...

Ever wonder if what you see on social media is all smoke and mirrors, especially when it comes to finance? In this episode, Aaron Buchner tackles the prevalent myths and ‘BS’ that flood social media about personal finance. He debunks common misconceptions about investment returns and financial planning, emphasizing the importance of personalizing your financial journey rather than comparing it with flashy online benchmarks. Aaron also shares insights on why starting a relationship with a financi...

How did Cactus and “Prick Free” come to life? In this episode, Aaron Buchner brings back Karine Parthenais from Mellow Brew Marketing for part 2 of their conversation about the creative journey behind their innovative rebranding efforts for Cactus. Together, they delve into the behind-the-scenes magic that birthed the “Prick Free” concept and Cactus’s vibrant identity. Aaron and Karine discuss: (01:31) The pivotal moment that sold Aaron on the ‘Prick Free Financial Advice’ (02:18) Karine’s knac...

Ever wondered how a financial advisor can stand out in the crowded financial industry? What if the key to success is being a little more “left field” than expected? In this episode, Aaron Buchner welcomes his first guest, Karine Parthenais from Mellow Brew Marketing, to pull back the curtain on the bold rebrand of Cactus. Find out why Aaron chose to step away from the generic path and embrace a truly unique identity. Aaron and Karine discuss: (03:08) The inspiration and process behind the Cactu...

Ever wondered if your financial goals are stuck in a rut, like a cactus trying to grow through concrete? In this episode, Aaron Buchner dives into the art of prioritizing financial goals and why a solid foundation is critical for success. Through relatable anecdotes and a bit of chaos humor, he highlights the importance of a well-thought-out financial plan, avoiding the trap of ‘mindlessly saving’, and how writing your goals down can change your financial trajectory. Aaron discusses: (02:47) Se...

Ever feel like you’ve got a pesky thorn in your side that keeps messing with your financial plans? You’re not alone, and today we’re digging deep into what’s really bothering us when it comes to money and how to deal with it. In this episode, Aaron Buchner tackles the common yet often overlooked financial “thorns in your side.” Whether you’re just starting out or nearing retirement, these issues seem to affect everyone. Aaron shares insights on doing more than just basic financial planning – it’...

Are you torn between saving for your kids’ tuition and securing your retirement? It isn’t an either-or scenario. Learn how to balance these priorities without sacrificing your financial peace of mind! In this episode, Aaron Buchner debunks the “put your own oxygen mask on first” analogy and shows how you can achieve both tuition savings and retirement goals. Listen in as Aaron discusses the importance of prioritizing, planning, and utilizing family contributions to create a balanced financial st...

Are you dreading the looming costs of university for your kids? Saving for university doesn’t have to be stressful or complicated – let’s talk about how RESPs can help secure your child’s academic future. Join Aaron Buchner as he breaks down the essentials of Canadian RESPs, exploring individual, family, and group plans. Learn how to maximize government grants and gain practical advice to ease your financial planning worries. Perfect for any Canadian parent navigating the complex world of univer...

Lifestyle creep can sneak up on anyone, leading to financial stress despite increased income. How can you balance enjoying your earnings while securing your financial future? What are the key triggers and how can you manage them effectively? In this episode, Aaron Buchner from Cactus dives into the intriguing world of lifestyle creep, exploring how incremental lifestyle upgrades can impact your financial stability. You’ll learn about recognizing and managing lifestyle inflation, understanding it...

There is a big difference between knowing something and experiencing something. You believe they can handle a riskier investment, yet your anxiety says otherwise. Your investment risk level is not a 6% return or a 12% return. It is can you invest for a long time? Can you handle your emotions? Is your job stable? Is your life stable? You being able to not make a change when the market is panicking is only one thing that determines your risk levels This week, Aaron Buchner shares a personal and so...

Balancing debt repayment and investing can be a tricky decision for many. How do you decide whether to pay off debt or invest your extra cash? What factors should influence your decision? In this episode, Aaron Buchner from Cactus dives into the common financial dilemma of whether to pay off debt or invest when you come into some extra money. Hear insights into how to approach this financial decision, consider the pros and cons, and understand the importance of personal goals and lifestyle choic...

Building wealth is something everyone focuses on but focusing on how to keep that wealth and your financial plans on track is something that few focus on. You have worked hard for all of this wealth, to see it all go away can hurt. In this episode, Aaron Buchner explores the essential concept of “covering your ass” (CYA) in financial planning, offering insights into practical steps you can take to ensure your financial security and stability. From life insurance to emergency funds, Aaron breaks ...

Ever wondered how to truly simplify your approach to personal finance and embrace financial freedom? In this episode of the No Pricks Allowed podcast, host Aaron Buchner welcomes long-time friend and coach Kimberly Skermer to explore the evolution of personal finance from traditional methods to a more personalized, client-focused approach. Together, they dive deep into how the financial industry is transforming to better serve everyday people, touching on different financial planning models, the...

Ever wondered how to make financial planning less confusing and more about living your best life? This week on No Pricks Allowed, Aaron Buchner dives into what a comprehensive financial plan truly entails, dispelling common misconceptions and emphasizing the importance of setting and achieving diverse life goals beyond just retirement. Listen in to understand how a true financial plan integrates all aspects of your finances into a cohesive strategy that supports your entire journey. Aaron discus...

Ever wonder if that daily coffee run is really what’s stopping you from achieving your financial goals? In this episode, Aaron Buchner dives deep into the concept of spending on what makes you happy—even if it’s $200 on vinyl records—while debunking the myth that small indulgences like coffee are sabotaging your financial future. You’ll hear personal anecdotes, practical tips on balancing joy with sensible spending, and how to identify and cut out “stupid stuff” that doesn’t add value to your li...

The No Pricks Allowed Podcast is out now! Ready to revolutionize how you approach personal finance? In the debut episode of the No Pricks Allowed Podcast, host Aaron Buchner opens up about his journey into financial advising, shedding light on his unique and authentic approach, and why “Prick-Free” financial advice is designed to be painless. Discover what sets Aaron apart from the traditional financial world, and why his advice is tailored for everyday people aiming to enjoy each stage of their...