Financial Freedom for Women: Money, Debt & Disability Benefits | Tracy Pequin

Send us Fan Mail“We have to create a new story in our subconscious mind.” — Tracy PequinFinancial freedom for women begins with understanding how money, debt, taxes, disability benefits, and long-term savings actually work.Julie Fairhurst sits down with Tracy Pequin, a Canadian money coach and disability-resource advocate, for an important conversation about financial literacy, women and money, the Disability Tax Credit, Registered Disability Savings Plans, retirement planning, and building intergenerational wealth.In 2006, Tracy became a single mother while her husband struggled with alcoholism and addiction. She was suddenly responsible for her family’s expenses with half the household income and no child support. Like many capable women, she responded by working harder—taking on three jobs for three years.But exhaustion did not create financial freedom.After facing $60,000 in debt, bankruptcy, and money owed to the CRA, Tracy realized that she needed more than another job. She needed to understand how money worked and change the beliefs about money she had carried since childhood.In this episode, we discuss:How childhood poverty and shame shape our relationship with moneyWhy working harder doesn’t always create financial securityRecovering financially after divorce, debt, or bankruptcyThe difference between cutting expenses and increasing incomeWhy women must understand their family financesTracy also explains her PAID system for organizing important financial information:P — Protection: wills and insurance policiesA — Assets: everything you ownI — Income: where your money comes fromD — Debt: everything you oweThis can help families locate essential information if a partner becomes ill, dies, or is no longer able to manage the household finances.One of the most powerful messages from this conversation is simple: Your history does not determine your future. You do.If you feel embarrassed by what you don’t know about money, this episode is not here to shame you. It is here to remind you that financial knowledge can be learned—and the sooner you begin, the more choices you may be able to create for yourself and your family.Learn More About Canadian Disability ResourcesEligibility is based on each person’s circumstances. For current information, visit the official Government of Canada pages for the Disability Tax Credit and the Registered Disability Savings Plan.Important: This interview is for general educational purposes and does not constitute individual financial, tax, legal, medical, or investment advice. Programs and eligibility requirements can change. Speak with the appropriate qualified professional or government agency about your circumstances.About Tracy PequinTracy Pequin is a money coach, licensed financial professional, caregiver, and advocate who helps individuals and families understand money, locate disability-related resources, and build greater long-term financial security. Drawing from her own experiences with poverty, single motherhood, bankruptcy, chronic pain, and financial rebuilding, Tracy is passionate about giving people hope—and helping them discover possibilities they may not know exist.Connect with Tracy:Primerica Financial Services https://www.primerica.com/pequin&origin=customStandardhttps://therealhowmoneyworks.ca/ca/TracyPequin Short videos on how money workshttps://wallofwealth.ca/ca/TracyPequinThe greatest wealth transfer and how to get paid for ithttps://therealhowmoneyworks.ca/ca/TracyPequinHow to get access to a free how money works brochurehttps://livemore.net/o/TracyPequinHow to make more money remotely and get paid from your own investments.If this conversation stirred something in you… good. That’s where change begins.Make sure you’re subscribed, share this with someone who needs it, and if you’re ready to tell your story, step into your voice, or build a life that actually feels like yours… You’re in the right place.I’m Julie Fairhurst, and this is where stories turn into power.Go to my website if you would like to be a guest on the Women Like Me Stories & Business in the toolbar click Let's PodcastJulie's Website