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Happy Sunday Reader ,

I hope you're all finding some time to decompress as we ease into the second last month of 2025. I’m currently down here in Phoenix, Arizona☀️ where I had the absolute pleasure of spending time with the APTA Arizona Chapter last night, giving a seminar on financial planning. Getting to share financial education in person is always fantastic; it reminds me that our community is hungry for practical, no-BS guidance, because school isn't going to teach you it.

This week’s topic ties directly into that need for practical control. The financial news cycle has delivered two concepts that are two sides of the same coin: economic anxiety and the AI tools that are emerging to fight it.

The Problem: The Rise of 'Doomer Spending'

Let's start with the mood vibes. The last few years have been a lot: inflation, housing crises, and general economic turbulence. This has created a phenomenon that Maclean's recently covered called Doomer Spending.​

What is it?

It’s when people, often young professionals, look at the big, systemic problems (like housing affordability) and decide, "The game is rigged. I'll never own a home anyway. So, why bother saving?"

The result is often a subtle shift toward reckless spending, impulse purchases, expensive trips, or luxurious rentals, as a form of emotional coping and resignation.

This is a dangerous mindset.

It's the ultimate loss of control. You go from feeling anxious about the economy to giving up completely and letting your emotions run your finances. As healthcare providers, we see this mentality in our patients' health all the time: "Why bother exercising if I'll just get sick anyway?" We know that mindset is toxic to physical health, and it's equally toxic to financial health.

My Personal Take: The Cost of a Bad Diagnosis

This whole idea of "Doomer Spending" really hit me because I've experienced it, just not with a failing economy, but with a failing product.

Years ago, I invested a significant amount of time and money into a passion project that was doomed to fail because I didn't have the right data. I kept pouring resources into it, thinking, "I've already spent so much, I can't quit now." That's the financial sunk cost fallacy combined with a hope-based strategy.

I contrast that with this new wave of AI tools. If I had had a tool like Silvia (read below) back then, it would have told me, within minutes, "Based on these market trends and your current expense structure, this project has a 95% chance of failing within 18 months." It would have given me a clear, cold, data-driven diagnosis.

The lesson isn't to be cold, it's to be informed. We owe it to ourselves to make decisions based on data, not on the anxious feeling that the world is ending.

Don't let the doomer narrative infect your financial planning. Use the data and the new tools available to give yourself the confidence to stay the course.

The Solution: AI Democratizing Financial Intelligence

The great paradox of the "Doomer Spending" problem is that while the average person feels helpless, the ultra-wealthy are becoming more financially secure than ever.

Why?

Because they have entire teams, portfolio managers, tax experts, and bankers, to optimize their lives.

This is where AI is stepping in.

I was fascinated by a recent letter from The Pomp Podcast discussing a new software product called Silvia. His mission is simple but revolutionary: democratize access to the same financial intelligence the wealthy have, while dropping the cost to zero.

CFO Silvia is proving this thesis by managing over $15 billion in assets for users who are seeking that high-level intelligence.

What AI Can Do for the Average Pro:

• Customized Scenario Planning: Upload your tax returns and ask how to legally lower your rate, or run Monte Carlo simulations (fancy financial simulations) to see where your finances will be in a decade if you change your investment allocation.
• Real-Time Portfolio Impact: Ask questions like, "How will the US-China trade agreement affect my specific tech stocks?" and get an answer instantly.
• Data Analysis: Connect all your accounts (brokerage, crypto, real estate, small business ownership) and let the software analyze your entire financial life, something only a team of humans could do before.
• Complex Calculations: Ask about your debt-to-equity ratio or portfolio correlations.

The power of AI lies in its ability to ingest specific, unique data and deliver solutions smarter, faster, and cheaper than a human.

I wanted to give a direct hand-off to the software, which is why I’ll say that the product’s creator intended for CFO Silvia to be the ultimate partner in financial management.

The lesson here is profound, and it brings us back to the talk I gave with the APTA Arizona Chapter: Financial control is built through knowledge and discipline, not guessing.

1. Fight the Doomer Mindset with Data: The best antidote to the emotional chaos of "Doomer Spending" is data-driven clarity. When you know, through software, that raising your monthly savings by $200 shaves three years off your mortgage, it’s easier to resist the impulse purchase.
2. Invest in Yourself (Literally): Just as you invest in clinical skills, you must invest in the tools that manage your personal economy. Whether it’s a detailed budgeting app, a self-directed broker like Wealthsimple, or an emerging AI tool, you are responsible for building your own financial team.
3. Focus on the Core: The ability to run simulations and get complex insights (like what CFO Silvia offers) is the ultimate accountability tool. It replaces the emotional fear of the market with a quantitative truth: Your consistent action is the biggest driver of your success.

Don't let the noise of the global economy make you give up on your personal goals. The tools are here to help you fight back.

A Special Offer: Your Roadmap to Financial Confidence (Adulting 101)

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If the fear and volatility of this week highlighted a gap in your knowledge, or if you simply need a clear, structured roadmap to build a financial foundation that can withstand market meltdowns, I have something important for you.

As healthcare professionals, we're taught to care for our patients, but rarely how to care for our finances. This often leads to a cycle of stress, anxiety, and avoidance. That's why I created a brand new, updated, and information-packed beginner course: Personal Finance Adulting 101 for Healthcare Professionals (let's just call it Adulting 101 for short!).​

This isn't your boring textbook finance course. It is the comprehensive, foundational education that our clinical system has overlooked.

Why This Course Is Your Solution:

• 3.5 Hours of Video Content: Straight-to-the-point, engaging instruction that respects your busy schedule.
• 12 Core Modules: Takes you from an absolute beginner to an intermediate level investor and planner, covering everything step-by-step.
• Exhaustive Resource Guide Includes all the tools, templates, and links you need to immediately take action, no guesswork required
• Lifetime Access: Revisit any lesson, anytime. Your financial knowledge should grow as your income grows.

What You Will Master (The Solution to Friday's Panic):

• Peace of Mind: Learn to calculate your ideal Emergency Fund size.
• Guaranteed Returns: Master the cardinal rules for Debt Management and conquer student loans, securing a risk-free return on your money.
• The Power of Compound Interest: Demystify Investing Basics so you can approach market volatility with confidence, not fear.
• Clarity & Control: Get simple, painless strategies for Budgeting and Saving.

The regular retail price for this comprehensive course is $350 CAD.

For a limited time (SALE ENDS Nov 16 at 11:59PM EST). You can enroll in Adulting 101 for just $275 CAD, that’s $75 off the retail price! This is the most comprehensive, accessible beginner course I've ever created, specifically designed to translate complex financial concepts into actionable steps for healthcare professionals.
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​Use Promo Code: FFP75

It's time to invest in your own financial literacy and stop letting anxiety dictate your future.

​Enroll in Personal Finance Adulting 101 and Save $75 Today!​

Webinar Spotlight: Mastering Finances & Practice Management for Physiotherapists

Speaking of important proactive steps, I want to invite you to a valuable webinar I'll be hosting this fall.

I'm thrilled to be giving a focused webinar with the Saskatchewan Physiotherapy Association (SPA) in partnership with Jane.app on Monday, November 17th!

This session is designed specifically for SPA members who want to stabilize their finances, whether you're a clinic owner, a contractor, or an employee. We'll be diving deep into the actionable strategies that put you in control of your financial life.

Here's why this is a must-attend:

• Financial Fundamentals: Build a rock-solid personal financial foundation.
• Practice Streamlining: Learn how to use practical tools to automate admin burdens (like Jane), freeing up time.
• Business Growth: Get sustainable strategies for managing income variability and building a financially secure practice.

If you’re a physio in Saskatchewan, this is your chance to get specialized financial insight that directly addresses your professional needs and provincial context.

Webinar Details:

• When: Monday, Nov 17, 2025
• Hosted by: SPA & Jane.app
• Audience:SPA Members Only.

Yours Truly,
Robin Valadares

​@financiallyfulfilledpro and Certified Financial Counselor CFC™

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