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“Buyer beware.” It’s a worldview born of that same ethos that proudly declares, “There’s a sucker born every minute.” On the surface, it’s about taking personal responsibility—owning your choices as a consumer in a complex world. But if you listen closely, you can almost hear the smug whisper beneath it: “A fool and his money soon will part.” Now, I’m a believer in radical responsibility—the idea that embracing our agency frees us from the despair of helplessness. But persona

Woman with a cabbage over her face There’s something not just pitiful but deeply unsettling in witnessing someone living in squalor — a life marked by poverty and neglect. For some, that sight stirs compassion; for others, it stirs disgust. Compassion says, “We can help. With our agency, we can end this suffering.”  Disgust says, “If we get too close, we’ll be infected by it.”  Whatever the instinctive response, most people agree that to be lifted from squalor is more humane

In Beyond Material Salvation – Rethinking Insolvency and Debtor Morality, I draw on decades of firsthand experience helping Canadians navigate the complex terrain of debt, insolvency, and financial recovery. The book moves beyond mere money management to expose the moral, psychological, and cultural forces that shape how we think about debt — and ourselves. At the centre of my critique is a sobering look at the Canadian credit counselling industry. Long perceived as the mora

A bearded man holding a sign that reads, "Seeking Human Kindness." Recently, as I was walking through my neighborhood, I came across an...