Designwealth

The best budgeting system is the one you never have to think about.

Four accounts, one purpose each —
this removes the daily decision-making, not just the spreadsheet. Save this for whenever you’re ready to
set it up.

General information only, not personalized financial advice. Everyone’s situation is different — let’s
build a life that is richly and uniquely yours.

Budgeting doesn't need to be complicated
The 20/50/30 rule, broken down:
20% → savings (future you says thanks)
50% → needs (rent, groceries, transportation)
30% → wants (the fun stuff)
Swipe through, save it, and use it as your starting framework — the exact split can flex depending on
your income, city, and life stage.

General information only, not personalized financial advice. The 20/50/30 split is a general framework —
your ideal split may vary based on income, city, and goals as individual circumstances vary.
Everyone's situation is different — let's build a life that is richly and uniquely yours.

6 wealth habits that work for you, even on your laziest day:

1. Always pay yourself first - a cornerstone for creating Wealth
2. Automate your savings — set it once, forget it forever
3. The 24-hour rule — no willpower required
4. One account, one purpose — bills vs. fun money, sorted
5. Automatic bill pay — no late fees, no mental math
6. Yearly subscription audit — 10 minutes, once a year

Building wealth is about systems that do the work while you live your life.

It’s important to ZOOM OUT and ask yourself: What’s your return on wealth? We’re constantly focusing on ROI (Return on Investment)—The short-term wins, the quick returns, the immediate gains. But if you only focus on what’s happening right now, are you really building the future you want? ROW (Return on Wealth) is the bigger picture. It’s not just about making money—it’s about what that money allows you to do. It’s about financial security, freedom, and the ability to live life on your terms. Because true wealth isn’t just about numbers—it’s about impact. Are your financial choices today setting you up for a life of stability, opportunity, and peace of mind? By shifting your perspective from short-term returns to long-term impact, you can make financial decisions that truly support your future. Zoom out. Think long term. What’s your return on wealth❔ . . . #designwealth #designyourlife #row #returnonwealth #yyj #victoriabc #yyjbusiness #financialeducation #financialliteracy #future

Say hey to Rick! 👋

Rick is our Financial Strategies Analyst and brings a wealth of knowledge in the financial industry.

Rick enjoyed playing sports and used to play for the North Island Under 16 (and 18), he later attended Simon Fraser University with a soccer scholarship. Rick enjoys the great outdoors that Vancouver Island has to offer including, hiking, kayaking, and skiing!

Why don’t Fridays get tired? …. Because they’re always ‘weekend’ ready 🥁

Get to know the faces around Design Wealth! If you’ve visited our office then you’ve likely been greeted by the warm and kind presence of Carey!

Carey is our Client Experience Lead and comes with a wealth of knowledge when it comes to customer service. Carey is a certified floral designer and spent many years helping brides with their perfect bouquet! Carey and her husband owned and operated Village Chocolatier in Oak Bay for 7 years! After raising their daughter, Carey worked in retail gaining valuable leadership and management experience.

Happy New Year! It’s unofficially the first week back to ‘reality’ for some. As we enter back into routines and new routines it can feel like a bit of a bumpy road wondering where to start or maybe you’re already on top of it and crushing those goals. Wherever you’re at is the right place, try not to put that pressure on yourself to go full force at the beginning of the year. Progress happens over time.

There are many things happening for 2025 and we know alot of you are focusing on paying off debt, but we were also happy to see you wanted to financially educate yourself and we are here for this! Keeping up to date with financial education is crucial for a healthy financial plan.

We can’t wait to see what this year holds for us and you! If you’re looking for some help along the way feel free to book a consultation with Jared or Josue on our website and pick a time that works for you!

#2025

Happy New Year! It’s unofficially the first week back to ‘reality’ for some. As we enter back into routines and new routines it can feel like a bit of a bumpy road wondering where to start or maybe you’re already on top of it and crushing those goals. Wherever you’re at is the right place, try not to put that pressure on yourself to go full force at the beginning of the year. Progress happens over time.

There are many things happening for 2025 and we know alot of you are focusing on paying off debt, but we were also happy to see you wanted to financially educate yourself and we are here for this! Keeping up to date with financial education is crucial for a healthy financial plan.

aka dad surprised his family with an early Christmas present 🏒

We hope you have a wonderful Holiday season with friends & family