In today's episode, Cody and Justin are joined by Ben Le Fort. Ben is Canadian and has an awesome back story. His parents were financially unstable even to the point of needing Ben to help with the mortgage as a teenager and bankruptcy. Ben would go on to turn things around and is now on the financial fast track. He and his wife now own two properties and are saving aggressively towards retirement. Fun note, one of those properties is actually the home that his parents now live in. Listen and read below to hear his amazing journey. Episode Summary Ben grew up upper-middle class but then 2008 happened Both of his parents were realtors and the recession crushed them leaving them bankrupt His parents had no savings and the housing market crashed Looking back he saw some flags that they hadn't been saving One of those flags was being asked to help pay the mortgage as a teenager  The problems his parents went through caused him to choose economics as a major Ben would end up graduating with about $30k in student debt This was  a rough go because he was having to use student lines of credit His parents' income made him ineligible for financial aid or government student loans in Canada Ben would go on to miss some payments which took a toll on his credit Upon graduation, he couldn't find a good job because of the recession (2010) This drove him to going back and getting his masters degree Ben got roommates in a run-down apartment for $350 a month He tried to continue living the college lifestyle so he could pay off his debt Ben became debt-free in 2015 Then Ben talks to us about meeting his wife She was very risk-averse and investing scared her After tackling stocks they moved on to real estate Ben now has two properties and has done very well on both Fun note, his parents actually rent a property from him Ben's financial world is now off the charts and he's looking to help other That's what started his venture into blogging online via Medium That writing has now turned into a legitimate side hustle We then tackle Canadian investing vs American investing Key Takeaways Be prepared for the unthinkable: His parents were so used to their income and the stability of the housing market. When it crashed, they certainly weren't prepared. Your start doesn't define you: The thing that really jumps out in this episode is that his parents' bankruptcy didn't mean Ben couldn't be successful. It actually benefited him through the motivation it gave him. Currency Matters: There was a really tangible discussion where Ben called out the tactics of someone in Canada investing and how it differs from the United States. Call to Action Whether it is a parent, cousin, or just a friend. Find a loved one who could use a talk about finance and open up and talk to them. Keep it simple and make them feel comfortable if you can. Join the Community We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Sign up for our exclusive newsletter Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFIshow [dot] com If you like what you hear, please leave a rating/review! The FI show on iTunes The FI show on Android   Connect with Ben: Via his publication on Medium called Making of a Millionaire Via his writing at Wealthtender   Learn More About Your Hosts: Fly to FI (Cody’s Blog) Saving-Sherpa (Justin’s blog) Check out our Sponsors Skillshare is an online learning platform with 30,000+ classes in design, business, and more.  Join the 5+ million students currently on Skillshare and make yourself a MVSH (more valuable side hustler)! Use our custom URL Skillshare.com/FiShow for 2 free months of premium membership access.  There are no commitments, it's free to start,