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Plain English Finance

Plain English Finance

Written by: Tré Bynoe CFP® CIM®
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About this listen

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.


© 2026 Plain English Finance Economics Personal Finance
Episodes
  • Ep. 36 | A Story for My Daughter

    Ep. 36 | A Story for My Daughter
    Jan 30 2026

    This episode is different. It's a reading of a children’s story called The Four Money Bears, recorded for our daughter, Ariyah.

    It’s about spending, saving, investing, and giving — but more than that, it’s about balance, care, and intention, and a reminder that how we use money should help us take care of ourselves and each other.

    However someone finds this episode, I hope it reminds you to tell the people you love how important they are, because we're only human and nothing is guaranteed.

    Love you baby girl.

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    5 mins
  • Ep. 35 | How to Get Out of Debt in Canada: A Step-by-Step Plan

    Ep. 35 | How to Get Out of Debt in Canada: A Step-by-Step Plan
    Jan 23 2026

    Many Canadians are stuck under a mountain of debt. Some with no idea how much they owe, or how to get out. In this episode, Tré breaks down what to do right now if you’re facing serious consumer debt. From making your first net worth statement to choosing between the avalanche and snowball methods, this is your guide to regaining control.

    Whether you’re a professional, business owner, or anyone dealing with high-interest debt, this episode helps you stop spinning your wheels and start taking action.

    What you’ll learn:

    • Why avoiding the numbers only makes things worse
    • How to do a basic net worth and debt inventory
    • When to choose avalanche vs. snowball for repayment
    • The biggest mistake with car loans and mortgages
    • Why lifestyle cuts and sacrifices are non-negotiable
    • How to make debt payoff sustainable and final

    Like what you hear? Follow, review, and share the podcast to help more Canadians take control of their money.

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    36 mins
  • Ep. 34 | One Car Loan Can Wreck Your 30s

    Ep. 34 | One Car Loan Can Wreck Your 30s
    Jan 16 2026

    Think taking out a car loan in your 20s is no big deal? Think again.

    In this episode, Tré breaks down the long-term consequences of everyday debt decisions using real-life modelling to show how a single $40,000 car loan can quietly derail your financial trajectory for decades. It isn’t only about interest—it's about financial stress, lost time, and missed opportunities.

    If you’ve ever said, “I had no choice,” this one’s for you.

    What you’ll learn:

    • How a single debt decision at 25 changes your life at 45
    • Why debt isn’t just about cost, it’s about long-term stress
    • What “financial flexibility” actually looks like
    • The hidden opportunity cost of car loans
    • Why delayed gratification is a wealth-building superpower

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    32 mins
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