<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:googleplay="http://www.google.com/schemas/play-podcasts/1.0"><channel><title><![CDATA[The YouGotThis Brief]]></title><description><![CDATA[Wealth isn't simple. Understanding it can be. Personal finance for Canadian mass-affluent professionals who feel something's being missed.]]></description><link>https://brief.yougotthiswealth.com</link><image><url>https://substackcdn.com/image/fetch/$s_!su9z!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F42e67c4c-4f1d-4005-bdd2-2bacca92e876_512x512.png</url><title>The YouGotThis Brief</title><link>https://brief.yougotthiswealth.com</link></image><generator>Substack</generator><lastBuildDate>Tue, 02 Jun 2026 01:28:26 GMT</lastBuildDate><atom:link href="https://brief.yougotthiswealth.com/feed" rel="self" type="application/rss+xml"/><copyright><![CDATA[The YouGotThis Brief]]></copyright><language><![CDATA[en]]></language><webMaster><![CDATA[agannoncfa@substack.com]]></webMaster><itunes:owner><itunes:email><![CDATA[agannoncfa@substack.com]]></itunes:email><itunes:name><![CDATA[Andrew Gannon]]></itunes:name></itunes:owner><itunes:author><![CDATA[Andrew Gannon]]></itunes:author><googleplay:owner><![CDATA[agannoncfa@substack.com]]></googleplay:owner><googleplay:email><![CDATA[agannoncfa@substack.com]]></googleplay:email><googleplay:author><![CDATA[Andrew Gannon]]></googleplay:author><itunes:block><![CDATA[Yes]]></itunes:block><item><title><![CDATA[The Honest Case For — and Against — Hiring a Financial Advisor]]></title><description><![CDATA[Where advisors genuinely add value, where they don&#8217;t, and how to decide for yourself.]]></description><link>https://brief.yougotthiswealth.com/p/the-honest-case-for-and-against-hiring</link><guid isPermaLink="false">https://brief.yougotthiswealth.com/p/the-honest-case-for-and-against-hiring</guid><dc:creator><![CDATA[The YouGotThis Brief]]></dc:creator><pubDate>Wed, 29 Apr 2026 10:43:26 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!h16S!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F475fa0b4-dbe5-4f32-bc52-2edff7463470_1536x1024.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Financial advisors can add real, meaningful value &#8212; especially around behaviour management, planning complexity, and major life transitions. The best ones earn their fee many times over.</p><p>They can also be expensive, conflicted, variable in quality, and unnecessary for someone who is informed and disciplined enough to handle their own finances with the right structure.</p><p>The answer to &#8220;should I hire a financial advisor&#8221; is genuinely: it depends. But it depends on specific things you can actually assess &#8212; your complexity, your temperament, your stage of life, and whether the math works given what they&#8217;d charge.</p><p>You don&#8217;t need to hire one passively &#8212; because your parents had one, because someone from the bank called, because it felt like the responsible thing to do &#8212; and never actually evaluate whether the relationship is delivering value.</p><p>Whatever you decide, make it a deliberate choice.</p><p>https://www.yougotthiswealth.com/blog/blog-should-i-hire-financial-advisor/</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!h16S!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F475fa0b4-dbe5-4f32-bc52-2edff7463470_1536x1024.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" 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src="https://substackcdn.com/image/fetch/$s_!h16S!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F475fa0b4-dbe5-4f32-bc52-2edff7463470_1536x1024.png" width="1456" height="971" 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class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div>]]></content:encoded></item><item><title><![CDATA[Residency Trained You to Handle Anything — Except Your Own Money – Part 2]]></title><description><![CDATA[You started late, you&#8217;re in debt, and the clock is shorter. Here&#8217;s the math that shows why you&#8217;re probably going to be fine &#8212; and what to focus on now.]]></description><link>https://brief.yougotthiswealth.com/p/residency-trained-you-to-handle-anything-7f1</link><guid isPermaLink="false">https://brief.yougotthiswealth.com/p/residency-trained-you-to-handle-anything-7f1</guid><dc:creator><![CDATA[Andrew Gannon]]></dc:creator><pubDate>Tue, 21 Apr 2026 19:24:28 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!H-f8!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!H-f8!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!H-f8!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 424w, https://substackcdn.com/image/fetch/$s_!H-f8!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 848w, https://substackcdn.com/image/fetch/$s_!H-f8!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 1272w, https://substackcdn.com/image/fetch/$s_!H-f8!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!H-f8!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png" width="1402" height="1122" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:1122,&quot;width&quot;:1402,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:null,&quot;alt&quot;:&quot;Physician looking at the Toronto Stock Exchange&quot;,&quot;title&quot;:null,&quot;type&quot;:null,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="Physician looking at the Toronto Stock Exchange" title="Physician looking at the Toronto Stock Exchange" srcset="https://substackcdn.com/image/fetch/$s_!H-f8!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 424w, https://substackcdn.com/image/fetch/$s_!H-f8!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 848w, https://substackcdn.com/image/fetch/$s_!H-f8!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 1272w, https://substackcdn.com/image/fetch/$s_!H-f8!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F84a751eb-944c-4a0f-93b1-7585ac8e28da_1402x1122.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p>https://www.yougotthiswealth.com/blog/residency-trained-except-your-money-part2/</p>]]></content:encoded></item><item><title><![CDATA[Residency Trained You to Handle Anything — Except Your Own Money]]></title><description><![CDATA[A plain-language guide to getting started with your personal finances and the options available to Canadian physicians.]]></description><link>https://brief.yougotthiswealth.com/p/residency-trained-you-to-handle-anything</link><guid isPermaLink="false">https://brief.yougotthiswealth.com/p/residency-trained-you-to-handle-anything</guid><dc:creator><![CDATA[Andrew Gannon]]></dc:creator><pubDate>Tue, 14 Apr 2026 12:47:25 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!su9z!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F42e67c4c-4f1d-4005-bdd2-2bacca92e876_512x512.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Doctors are among the highest earners in Canada. They&#8217;re also among the worst served by the financial industry.  It&#8217;s not because good options don&#8217;t exist, but because nobody ever stops to lay them out honestly.</p><p>This is that post. A plain-language breakdown of every option available to Canadian physicians (full-service advisors, fee-only planners, robo-advisors, DIY and combinations of those) what each does well, where each falls short, and how I ended up building something new after trying most of them myself.  Read the full blog here: https://www.yougotthiswealth.com/blog/residency-trained-except-your-money/.</p><p></p>]]></content:encoded></item></channel></rss>