Moolala: Money Made Simple with Bruce Sellery

Licensed insolvency trustee and Spergel partner Rob Kilner joins Bruce to break down the explosive growth of Buy Now, Pay Later (BNPL) platforms and the serious financial risks they pose for Canadian consumers. Rob explains the concept of debt stacking of how small incremental payments across multiple accounts can quietly spiral into unmanageable debt and reveals that "interest-free" BNPL isn't truly free, as costs are typically baked into product pricing. He also shares what happens to BNPL debt in a consumer proposal and offers practical principles for using these platforms more responsibly.

Find out more at spergel.ca and connect on Facebook, X, Instagram and TikTok.

Tim Hewson, CEO and co-founder of Legal Wills, joins Bruce to explore how estate planning has been transformed by the digital era. From cryptocurrency and social media legacy accounts to iPhoto libraries and frequent flyer miles that vanish at death, Tim explains what your executor needs to access, what can and can't be passed on to beneficiaries, and why every Canadian adult needs an up-to-date will. He also introduces the LifeLocker service that helps you document all your digital and financial assets, so nothing falls into a digital black hole.

Find out more at legalwills.ca and connect on Facebook, Instagram and LinkedIn.

Leadership strategist and author Dan Pontefract joins Bruce to unpack the "age debt crisis": the organizational failure to plan for and value older workers and why a demographic shift from a bell-shaped to a bulb-shaped workforce means companies can no longer afford to ignore age. Dan explains why simply replacing experienced employees with AI is a dangerous short-term play, how companies like BMW and Unilever are rethinking age inclusivity in the workplace, and what both individuals and organizations need to do now to prepare for a world where working into your 70s and 80s is the new normal.

Find out more at danpontefract.com and connect on LinkedIn, YouTube, Instagram, Threads and TikTok.

In this episode of Moolala: Money Made Simple, host Bruce Sellery tackles three money and work topics you can't afford to ignore. Leadership strategist and author Dan Pontefract joins to discuss his new book The Future of Work is Grey, exploring the untapped value of older workers, the looming "age debt crisis," and why organizations that ignore aging demographics risk a $5.4 trillion knowledge loss. Then, Tim Hewson, CEO and co-founder of Legal Wills, breaks down how estate planning has evolved in the digital age from Bitcoin and frequent flyer miles to iPhoto libraries and legacy account holders and why every adult needs an up-to-date will. Finally, Licensed Insolvency Trustee Rob Kilner of Spergel reveals the real risks of Buy Now, Pay Later platforms, including debt stacking, hidden fees, and the psychological trap that keeps consumers spending without realizing it.

To find out more about the guests check out:

Dan Pontefract: danpontefract.com | LinkedIn | YouTube | Instagram | Threads | TikTok

Tim Hewson: legalwills.ca | Facebook | Instagram | LinkedIn

Rob Kilner: spergel.ca | Facebook | X | Instagram | TikTok

Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple.

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Certified financial planner Jackie Porter joins Bruce Sellery to make the case for financial awareness, a deeper, more actionable layer of understanding that goes beyond basic literacy. Jackie explains why knowing your cash flow, net worth, and financial blind spots is essential for both risk management and optionality: the freedom to make choices on your own terms. Through real client stories, she illustrates how this awareness can unlock the ability to take a year off, weather an unexpected job loss, or ensure your assets are used exactly the way you intend right up to the end of your life.

Find out more at askjackie.ca and connect on Instagram and LinkedIn.