TORONTO, MEET CINDY.
As a millennial, I understand what it’s like to grow up with parents who immigrated to Canada with very little money, striving to achieve the “Canadian Dream” Ideal through hard work and commitment. Baby Boomers got married, bought a house, a car, and likely had at least two children by the age of 30.
Things have changed, and this ideal is no longer realistic for our generation. We witnessed our parents face the challenges of multiple recessions and subsequently delay their retirements due to eroded savings and persistent inflation. It's made us keenly aware of the necessity to save as much as possible, as soon as possible.
But Millennials are struggling.
The Boomers didn’t necessarily need an education past high school to find a decent job at the time. On the other hand, Millennials are by far the most highly educated demographic at our age, compared to the generations before us. We’re also the most indebted.
Rising education costs have crippled us with student debt, and many of us have nothing to show for it. Obtaining a job in the industries we studied for has become increasingly difficult, and the competition for these positions is nothing short of ferocious.
Because of all this, Millennials struggle to afford the costs of living alone. The “Canadian Dream” is a dead fantasy to us. We likely won’t own a home, buy a car, or even get married—never mind start a family—until we’re already well into our 30’s. We’d like to feel in control of our future despite these setbacks, but no one ever taught us how to manage our own money.
This is why I chose a career as a Certified Financial Planner®.
I want to empower Millennials with the direction and know-how needed to realize their financial goals without being knocked out by the high costs of living in Toronto. We are rich with the entrepreneurial spirit and want to live our lives on our own terms.
My personal mission is to make that a reality for you.