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Happy Sunday, Reader,

Or, as I'm calling it today, Happy Officially Married Day!

As you know, Katie and I have been counting down to this weekend, and I'm thrilled to tell you: We got married yesterday!

I teased last week that this newsletter would be short, and it is. My commitment to consistency means showing up every Sunday, but my commitment to my new wife means I’m keeping this brief and focusing on the good stuff. (Plus, I need to get back to celebrating!)

This wedding journey has been an incredible learning experience, not just about love, but about intentional spending and financial alignment.

We chose to have a smaller, highly personalized wedding, and I can't commend Katie enough for her vision and financial discipline in making this happen. She completely understood that keeping the wedding small meant we could put those significant savings toward other life goals, like future investments, travel, or even paying down debt.

Our ceremony was intimate: 12 adults and 3 kids, held at a beautifully rented Airbnb that had 6 beds and 6 baths, allowing our immediate families to stay comfortably together. Here is the actual budget breakdown of our special day:

The Cost Per Person Reality Check

This is the number that really highlights the financial power of our choice:

Here's the critical financial insight: While a traditional wedding has a slightly lower cost per person ($550) compared to ours ($604.40), the difference is negligible. The truly staggering figure is the Absolute Total Value we saved.

Our choice to keep the guest list small allowed us to keep **nearly $46,000** ($55,000 - $9,061) in our pockets. That saved money is already working hard for us in our investment accounts!

The Takeaway: Invest in What Lasts

The financial lesson is simple: Invest your resources into what brings you lasting value. Katie and I chose to prioritize the commitment, the intimacy, and our future financial security over a single, large, temporary party.

This choice allows us to celebrate our commitment now and still plan to host a larger reception for all our extended family and friends in the spring. More importantly, it meant we kept over $46,000 in our investment accounts, where that money is already working hard for our future.

This is a principle we can all apply to our lives: be intentional about where your money goes. Does that spending align with your long-term goals and your definition of a fulfilling life?

Until next week, I'll be back with a full newsletter. For now, I'm going to enjoy being married!

The Ultimate Dream: Win a $1 Million Home!

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Now, I'm going to interrupt the behavioral finance lesson for a moment with something incredibly exciting and timely.

The one material goal everyone seems to share is homeownership. And right now, Wealthsimple has launched their 2025

$1 Million Home Giveaway!

Yes, you heard that right. They are giving away a $1 million home. This is the ultimate dream, the financial security, the stability, and the freedom a home provides.

Here’s how you can enter (and why you should do it now):

The giveaway opened on October 3, 2025, and the deadline to register and start earning entries is October 30, 2025.

1. Start Here (5,000 Entries): Whether you're new or existing, complete the Homeownership Survey within the Wealthsimple app.
2. Refer Friends (5,000 Entries): Refer a brand-new client who signs up and funds their account with at least $1.
3. Fund Your Account (1 Entry for Every $1): For every dollar of net deposits or transfers (like moving your RRSP/TFSA), you receive one entry. This is the fastest way to stack up entries.

This is a fantastic opportunity to take the first step towards homeownership, or just build up your investment accounts, while giving yourself a chance at a life-changing prize.

Log into Wealthsimple and enter the Home Giveaway 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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