Episode 44

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Published on:

5th Mar 2026

#44: Rich is a State of Mind. Money conversations that strengthen families.

“Your T4 isn’t your IQ.”

That’s one of my favourite lines from my guest in this week’s episode, and it perfectly captures the heart of our conversation. Talking about money isn’t just about dollars, it’s about emotions, family dynamics, communication, and mindset.

In my latest episode of The Prosperous and Happy Life, I sit down with Robert Gignac, author of the Canadian bestseller Rich Is a State of Mind, to explore why the way we talk about money matters just as much as the numbers themselves.

What I love about Robert’s work is that he teaches financial planning through storytelling, helping people build healthier money conversations at home with kids, with partners, and with aging parents.

In this episode, we discuss:

  1. Why money is emotional long before it becomes mathematical
  2. How to start money conversations with your children
  3. Tools that help partners navigate different money habits and histories
  4. How to approach conversations with aging parents
  5. Simple, practical tools to make money talks easier and less intimidating

If you’ve ever wished money conversations at home felt less stressful and more constructive, this episode is for you.

Read Robert's book here

Watch episodes of the WE Talk Money TV show.

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About the Podcast

The Prosperous and Happy Life
Money doesn’t guarantee happiness, but it sure can help. In this podcast, I bring you expert advice on how to achieve not only wealth …. But happiness too!
I shares tips and experiences from my quest to help my clients be prosperous and happy. Over more than 30 years I have worked with thousands of clients and countless experts, all looking to live a rich and fulfilling life. In my podcast interviews I share my stories and wisdom, along with advice from the many experts I have encountered along the way.

About your host

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Mary Hagerman

Mary Hagerman is an award winning portfolio manager and investment advisor with the Montreal office of Raymond James Ltd. Considered a female pioneer in building ETF-based discretionary portfolios for her clients, Mary is an expert columnist on ETFs for industry publications in French and English, and she is regularly quoted in the media. Mary combines her personal passion for karate with her professional experience in her book, The Black Belt Investor.

This podcast has been prepared by and expressed the opinions of Mary Hagerman, and are not necessarily the opinions of Raymond James Ltd. (RJL). Statistics, data and other information presented are from sources RJL believes to be reliable, but their accuracy cannot be guaranteed. This podcast is for information purposes only and is not to be construed as an offer or solicitation for the sale or purchase of securities. Investors considering any investment should consult with their Investment Advisor to ensure that it is suitable for the investor’s circumstances and risk tolerance before making any investment decision. Past performance is no guarantee of future results. Information provided in this podcast is general in nature and should not be construed as providing legal, accounting and/or tax advice. Should viewers have any specific questions and/or issues in these areas, please consult your legal, tax and/or accounting advisor. RJL is a Member of the Canadian Investor Protection Fund.