{"id":1925,"date":"2025-07-01T03:15:05","date_gmt":"2025-07-01T03:15:05","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/?p=1925"},"modified":"2025-07-07T17:35:34","modified_gmt":"2025-07-07T17:35:34","slug":"summer-celebrations-advice-for-new-grads-and-old-grads-alike","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/summer-celebrations-advice-for-new-grads-and-old-grads-alike\/","title":{"rendered":"Summer Celebrations: Advice for New Grads (and Old Grads Alike!)"},"content":{"rendered":"\t\t
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If you want to change the world, start off by making your bed. \u2014Admiral William H. McRaven<\/span><\/p><\/blockquote>

In 2014, Admiral William McRaven delivered a commencement speech that quickly went viral, amassing over 10 million views. In it, he shared 10 principles he learned during his gruelling Navy SEAL training\u2014lessons that helped him navigate not only his military career, but also the challenges of life. One of the most memorable takeaways: \u201cStart off by making your bed.\u201d The idea was simple but powerful\u2014if you do the little things right, you\u2019ll be better prepared to tackle the big things. His speech later inspired the #1 New York Times Bestseller, \u201cMake Your Bed,\u201d<\/strong> a book that provides simple wisdom, practical advice and words of encouragement.\u00b9<\/p>

About 600,000 students are expected to walk across the stage in graduation ceremonies at Canadian colleges and universities this summer, along with another 350,000 high school graduates.2 <\/sup>Chances are, you know one of them. Congratulations, graduates\u2014 and welcome to the real world!<\/p>

Here is some timeless financial advice for new grads\u2014and perhaps a refresher for not-so-new ones, too:<\/p>

Building Wealth Has Less to Do With Income\u2014And More to Do\u00a0 With Savings<\/h4>

Wealth is simply the accumulated difference between what you earn and what you spend. You don\u2019t need a high income to build wealth\u2014but without a high savings rate, you don\u2019t stand a chance. (Keep this in mind the next time you order a takeout meal\u2014this used to be considered an indulgence, but recent data suggests it\u2019s now \u201ca culture!\u201d)3<\/sup><\/p>

Takeaway:<\/strong> If saving feels hard, start with a budget. Tracking your income and expenses can reveal whether you\u2019re on the path to <\/em>overspending\u2014and may motivate you to become a better saver.<\/em><\/p>

Wealth Is Relative to What You Need<\/h4>

People require vastly different financial amounts to get by each month. A dollar of savings to one person is worth something completely different to another, depending on their lifestyle, location and priorities.<\/p>

Takeaway:<\/strong> Quit comparing yourself to others\u2014especially those on <\/em>social media (which often aren\u2019t real reflections of life)\u2014it can not only <\/em>steal your joy, but also your paycheque!<\/em><\/p>

Time Is on Your Side<\/h4>

As a new graduate, you have one of the greatest assets available to you: time. Combined with the power of compounding, it can lead to significant long-term wealth. Compare two investors who decide to invest for 20 years. At a compounded annual return of five percent, if a 25-year-old invests $500\/month for 20 years (or $120,000), this will grow to around $550,000 by age 65. A 45-year-old would need to invest around $1,350\/month over 20 years (or $324,000) to achieve a similar retirement outcome by age 65, or 2.7 times the principal amount. Starting early has benefits! Retirement may seem far-off, but it will creep up faster than you think.<\/p>

\"\"<\/p>

Takeaway:<\/strong> Start investing early. Leverage tax-advantaged tools. <\/em>Even small contributions to a TFSA or RRSP can build up meaningful <\/em>retirement savings over time. Other tools, such as the FHSA, can be <\/em>valuable to save and invest for a future home.<\/em><\/p>

Debt Can Be Paralyzing<\/h4>

We live in a time when spending is just \u201cone click\u201d away. But fi you can\u2019t pay for it, don\u2019t buy it. When you are not burdened by debt payments, you are more likely to be nimble. That said, not all debt is bad. The phrase: \u201cIt takes money to make money\u201d has some merit. Good debt\u2014 such as that used to fund an education or purchase real estate\u2014can help you grow your net worth, as long as you\u2019re not overleveraged.<\/p>

Takeaway:<\/strong> If you have student loans, make debt repayment a priority. <\/em>If you use a credit card, pay your bills on time. Most importantly, <\/em>always live within your means.<\/em><\/p>

The Fundamentals of Wealth Building Are Timeless<\/h4>

One of the most important lessons I\u2019ve\/we\u2019ve learned throughout my\/our time in the investment industry is that the basic principles of successful investing remain timeless. Wealth comes from choices, not chances: choosing to save wisely and pay yourself first, living within your means, eventually putting in place an investment plan that encourages value, quality and diversification\u2014and having the patience to understand that your plan is working for you over the long term. It\u2019s a big world out there, but it\u2019s a good one. Best wishes to our new graduates. If you know one, feel free to pass this along! And remember: your financial journey starts now. Enjoy the ride!<\/p>

1. https:\/\/ritholtz.com\/2025\/05\/admiral-mcraven\/;https:\/\/www.amazon.ca\/Make-Your-Bed- Little-Things\/dp\/1455570249;<\/span>
2. https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/171103\/t002c-eng.htm; https:\/\/www150.statcan.gc.ca\/t1\/tbl1\/en\/tv.action?pid=3710001201; <\/span>
3. https:\/\/www.foodandwine.com\/restaurant-takeout-trend-national-restaurant-associationreport-2025-11733929<\/span><\/pre>
\"\"<\/a><\/p>
The information contained herein has been provided for information purposes only. The information has been drawn from sources believed to be reliable. Graphs, charts and other numbers are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual\u2019s objectives and risk tolerance. This does not constitute a recommendation or solicitation to buy or sell securities of any kind. Market conditions may change which may impact the information contained in this document. Wellington-Altus Financial Inc. (Wellington-Altus) is the parent company to Wellington-Altus Private Wealth Inc. (WAPW), Wellington-Altus Private Counsel Inc. (WAPC), Wellington-Altus Insurance Inc. (WAII), Wellington-Altus Group Solutions Inc. (WAGS), and Wellington-Altus USA Inc. Wellington-Altus (WA) does not guarantee the accuracy or completeness of the information contained herein, nor does WA assume any liability for any loss that may result from the reliance by any person upon any such information or opinions. Before acting on any of the above, please contact your financial advisor..<\/span><\/p>
\u00a92024, Wellington-Altus Private Wealth Inc., Wellington-Altus Private Counsel Inc., Wellington-Altus Insurance Inc., Wellington-Altus Group Solutions Inc., and Wellington-Altus USA\u00a0<\/span>Inc. ALL RIGHTS RESERVED. NO USE OR REPRODUCTION WITHOUT PERMISSION. www.wellington-altus.ca<\/span><\/span><\/p>
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As an investor, wouldn\u2019t it be great to travel back in time 30 years to alter the course of the future? 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