With over 27 years in finance, my mission is to help mid-life professionals achieve financial freedom through personalized strategies. My personal mission is to help 10,000 Families Get Out of Debt...for good.
Having transitioned from retail banking to personal finance, I understand the unique challenges you face. My approach is holistic, going beyond numbers to address your specific needs and aspirations. Whether you're planning for retirement or seeking a fresh financial perspective, I'm here to guide you towards a secure and fulfilling future.
Download my free "Financial Freedom Blueprint"
to start your journey today.
Let’s craft your success story together.
Helping 10,000 Canadians Get Out of Debt
What if you could be one of the 10,000?
The turning point for me was deeply personal. Witnessing my parents struggle to retire debt-free with limited income highlighted the profound gap in the traditional financial services industry. I couldn’t ignore the urgent need for tailored solutions that the typical corporate structure just couldn’t accommodate. It was in taking over their finances that I discovered the power—and necessity—of individualized financial planning.
Work With Me
My Courses & Programs
I look forward to empowering you to live a life enriched by choice, security, and unparalleled peace of mind. Welcome to your new beginning.
Group Coaching
Through personalized financial strategies, I help you manage debt effectively, fostering a space where financial stress no longer overshadows the joy of life’s moments.
One on One Coaching With Me
As ambitious mid-life professionals navigating the complexities of career, family, and future planning, you deserve tailored strategies that fit your unique situation. I understand the juggling act, the aspirations, and the fears because I've lived them. My approach is centered not just on numbers, but on holistic understanding—moving beyond conventional advice to innovate solutions that resonate deeply with your personal goals.
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Your Financial Freedom Blueprint A Step-by-Step Guide for Young Families
Meet The Irene GarlitosMeyer
you can stop looking...
You found your coach!
financial coach · financial advocate · family & friend
With a robust 27-year foundation in finance, including a mutual funds license during my banking tenure and a life license thereafter, I have served clients for over a quarter of a century, guiding them through various financial landscapes. Currently, my role as a community sales manager in a senior living community offers me unparalleled insights into the no-go phase of retirement living. This dual expertise positions me uniquely in the financial advisory space to preemptively address challenges that others often overlook.
Irene Meyer you are amazing at what you do! Thank you for your help with getting everything laid out for us so we could see what we needed to do to help ourselves financially and have money to retire at a young age !
- Chelsea M
From The Blog--- Coming Soon
The Top 10 Financial Mistakes Busy Professionals Make—and How to Avoid Them
The 3 Habits Financially Confident Families Practice (That Most Gen X Are Avoiding)
If you're a busy professional juggling the demands of your career and personal life, financial management might sometimes take a back seat. Have you ever wondered if there are common financial pitfalls lurking unnoticed in your routine? Understanding these can be your first step toward establishing lasting financial peace of mind. Let's delve into the most prevalent financial mistakes and explore how you can steer clear of them for a more secure future.
Before diving in, download my free financial blueprint. I recommend this resource to help get you started on becoming more financially confident. It’s specifically designed to guide busy professionals like you.
1. Failing to Budget Properly
Budgeting often feels like a tedious task, but without it, overspending happens unnoticed. Implement a straightforward budgeting strategy to track income and expenses, enabling informed financial decisions.
2. Neglecting Emergency Funds
An emergency fund acts as a safety net during unexpected life events. Aim to save 3-6 months' worth of expenses to ensure you're prepared for the unforeseen, like medical emergencies or sudden unemployment.
3. Ignoring Debt Management
High-interest debts can quickly spiral out of control. Focus on paying off debts strategically, starting with high-interest ones. Consider debt consolidation or refinancing options if they present a timely advantage.
4. Overlooking Retirement Savings
Retirement might seem decades away, but every year counts. Ensure you’re contributing enough to your retirement accounts and taking full advantage of employer matches.
5. Relying Heavily on Credit Cards
While credit cards offer convenience and rewards, relying on them instead of cashless or debit options can tempt overspending and rack up interest if not paid monthly.
6. Underestimating Insurance Needs
Life, health, and disability insurance can cushion financial blows from unexpected events. Tailor your insurance plans to suit your unique professional and personal obligations.
7. Investing Without a Plan
Don’t dive into investments impulsively. Develop a well-thought-out investment strategy tailored to your long-term goals and risk tolerance.
8. Skipping Financial Reviews
Regular financial reviews provide valuable insight into your progress and deviations. Schedule periodic assessments to adapt to changes in your financial landscape.
9. Inadequate Tax Planning
Tax planning shouldn't be an annual rush but an ongoing strategy. Stay updated on applicable tax laws and explore credits and deductions to minimize tax liabilities.
10. Not Seeking Professional Advice
Sometimes, complex financial situations require a different perspective. Don’t hesitate to seek guidance from financial advisors who specialize in helping professionals manage and optimize their finances effectively.
For comprehensive assistance in illustrating your financial journey, download my free financial blueprint—your go-to resource for developing financial confidence with practical, easy-to-implement advice tailored for busy professionals.
Conclusion
Financial management is an ongoing process that involves learning from mistakes and optimizing strategies. By recognizing and avoiding these common pitfalls, you're not only securing your present but also carving a path to a financially confident future. Always remember, taking proactive steps today ensures a worry-free tomorrow, so be sure to download my free financial blueprint and kickstart your journey toward financial peace of mind.
The Top 10 Financial Mistakes Busy Professionals Make—and How to Avoid Them
The 3 Habits Financially Confident Families Practice (That Most Gen X Are Avoiding)
If you're a busy professional juggling the demands of your career and personal life, financial management might sometimes take a back seat. Have you ever wondered if there are common financial pitfalls lurking unnoticed in your routine? Understanding these can be your first step toward establishing lasting financial peace of mind. Let's delve into the most prevalent financial mistakes and explore how you can steer clear of them for a more secure future.
Before diving in, download my free financial blueprint. I recommend this resource to help get you started on becoming more financially confident. It’s specifically designed to guide busy professionals like you.
1. Failing to Budget Properly
Budgeting often feels like a tedious task, but without it, overspending happens unnoticed. Implement a straightforward budgeting strategy to track income and expenses, enabling informed financial decisions.
2. Neglecting Emergency Funds
An emergency fund acts as a safety net during unexpected life events. Aim to save 3-6 months' worth of expenses to ensure you're prepared for the unforeseen, like medical emergencies or sudden unemployment.
3. Ignoring Debt Management
High-interest debts can quickly spiral out of control. Focus on paying off debts strategically, starting with high-interest ones. Consider debt consolidation or refinancing options if they present a timely advantage.
4. Overlooking Retirement Savings
Retirement might seem decades away, but every year counts. Ensure you’re contributing enough to your retirement accounts and taking full advantage of employer matches.
5. Relying Heavily on Credit Cards
While credit cards offer convenience and rewards, relying on them instead of cashless or debit options can tempt overspending and rack up interest if not paid monthly.
6. Underestimating Insurance Needs
Life, health, and disability insurance can cushion financial blows from unexpected events. Tailor your insurance plans to suit your unique professional and personal obligations.
7. Investing Without a Plan
Don’t dive into investments impulsively. Develop a well-thought-out investment strategy tailored to your long-term goals and risk tolerance.
8. Skipping Financial Reviews
Regular financial reviews provide valuable insight into your progress and deviations. Schedule periodic assessments to adapt to changes in your financial landscape.
9. Inadequate Tax Planning
Tax planning shouldn't be an annual rush but an ongoing strategy. Stay updated on applicable tax laws and explore credits and deductions to minimize tax liabilities.
10. Not Seeking Professional Advice
Sometimes, complex financial situations require a different perspective. Don’t hesitate to seek guidance from financial advisors who specialize in helping professionals manage and optimize their finances effectively.
For comprehensive assistance in illustrating your financial journey, download my free financial blueprint—your go-to resource for developing financial confidence with practical, easy-to-implement advice tailored for busy professionals.
Conclusion
Financial management is an ongoing process that involves learning from mistakes and optimizing strategies. By recognizing and avoiding these common pitfalls, you're not only securing your present but also carving a path to a financially confident future. Always remember, taking proactive steps today ensures a worry-free tomorrow, so be sure to download my free financial blueprint and kickstart your journey toward financial peace of mind.
Take the next step towards becoming financially free...
book a free discovery call
I help professionals worried about debt accumulation achieve effective debt management and elimination so they can enjoy retirement with
peace of mind and financial security.
Gen X Money Coach
Are you tired of the paycheque-to-paycheque cycle — but not sure how to break it?
Most Gen X Canadians are using debt to fund their lifestyle… without realizing it.
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