Meet Graeme Hamilton, who is a Licensed Insolvency Trustee with a Toronto firm Spergel. He is empowering Canadians to tackle their debt and become financially secure. Finance, debt, budgeting, insolvency - are scary concepts for many, but Graeme is making them friendly as he breaks down what to do, how to do it, when, and who to ask for help. In this weeks episode, learn everything you need to know about getting rid of your debt, tools and resources available & how to become financially independent. Graeme Hamilton: Helping Firms & Individuals Overcome Debt Issues & Become Financially Secure 1:13 - Meet Graeme & Get to Know his Story 4:56 - Insolvency & What you should Know 7:42 - When Should People & Companies look for a licensed trustee  17:36 - Can you negotiate a consumer proposal with your lender? 19:46 -  Bankruptcy and What you should know 21:43 - The Difference Between Insolvency & Bankruptcy 26:48 - What Happened in Canada During COVID 34:50 - Outlook for 2021 & What you Should Prepare For 36:45 - Emergency Fund & How to Save 39:22 - Tips for Entrepreneurs on How to Manage Their Businesses & Personal Lives 44:33 - How Do Licensed Trustees Get Paid 47:21 - Dealing with Debt in a Partnership or Marriage 49:41 - Trends in the Industry 51:13 - How to Prepare as an Entrepreneur who is Just Starting Out 52:38 - Resources Graeme Recommends 54:31 - How to Deal with the Downturn 57:54 - Navigating the Digital Environment  1:00:39 - A Millennial Is? 01:02:22 - A Millennial Should Be? 01:03:38 - A Millennial Is Not? 01:05:44 - Connect with Graeme Connect with Graeme: Linkedin: https://www.linkedin.com/in/graeme-hamilton-lit-cirp-9a790645/ Website: https://www.spergel.ca/