Trade headlines and tariff threats have a way of making everyone want to check their bank balance at 2am, and Anita Bruinsma explains why this particular wave of uncertainty feels a lot like one Canadians already lived through and got past.

The real question isn't whether to panic, it's whether you have enough set aside to ride it out, and Anita puts an actual number on what that safety net should look like for a typical family carrying a mortgage and a couple of car payments. It's bigger than most people expect, and most people don't have it.

Not every account works the same way as a buffer either, and Anita draws a clear line around which one should never be touched except as a true last resort, no matter how tempting it looks on paper.

Topics: emergency fund amount, market volatility Canada, financial planning tariffs, TFSA versus RRSP, recession preparedness

GUEST: Anita Bruinsma | http://clarityonyourmoney.com

Trade headlines and tariff threats have a way of making everyone want to check their bank balance at 2am, and Anita Bruinsma explains why this particular wave of uncertainty feels a lot like one Canadians already lived through and got past.
The real question isn't whether to panic, it's whether you have enough set aside to ride it out, and Anita puts an actual number on what that safety net should look like for a typical family carrying a mortgage and a couple of car payments. It's bigger than most people expect, and most people don't have it.
Not every account works the same way as a buffer either, and Anita draws a clear line around which one should never be touched except as a true last resort, no matter how tempting it looks on paper.
Topics: emergency fund amount, market volatility Canada, financial planning tariffs, TFSA versus RRSP, recession preparedness
GUEST: Anita Bruinsma |<a href="http://clarityonyourmoney.com"> http://clarityonyourmoney.com</a>

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.