--- title: Empire Life Blog Empire Life Blog | Personal Finance (5) description: Personal Finance | Access the latest insights on life insurance, investments, and group benefits all in one place. Visit the Empire Life blog. (5) --- × #### Subscribe ### Subscribe to Email Updates Signing up for our Blog offers you the opportunity to subscribe and receive email notifications for Investment or Insurance type content only from The Empire Life Insurance Company and Empire Life Investments Inc. You may cancel your subscription to the newsletter at any time by clicking on [unsubscribe](http://www.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) or, by contacting The Empire Life Insurance Company or, Empire Life Investments Inc. **The Empire Life Insurance Company** 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll Free: 1 800 561-1268 Email: insurance@empire.ca or investment@empire.ca **Empire Life Investments Inc.** c/o 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll-free telephone: 1 855 823-6883 Email: mutualfund@empire.ca Close [Facebook](https://www.facebook.com/Empire-Life-Insurance-142465432433812/) [Linkedin](https://www.linkedin.com/company/empire-life-investments) [Twitter](https://twitter.com/empirelifeins) Subscribe [EN](https://www.empire.ca/blog) | [FR](https://empire.ca/fr/blogue) [![Empire Life | Empire Life Investments](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/combined-logo.png)](https://www.empire.ca/blog) # Insurance, Investments and Group Benefits ## Navigate life with confidenceTM - Insurance - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips) - [Customer Service](https://www.empire.ca/blog/topic/customer-service) - Investments - [Investments](https://www.empire.ca/blog/topic/investments) - [Investment Views](https://www.empire.ca/blog/topic/investment-views) - [Off the Cuff](https://www.empire.ca/blog/topic/off-the-cuff) - [Group Benefits(1)](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance (1)](https://www.empire.ca/blog/topic/personal-finance) ## [Life & Money Matters: Getting a Grip on Excessive Debt](https://blog.empirelife.ca/blog/life-money-matters-getting-a-grip-on-excessive-debt) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Life & Money Matters: Getting a Grip on Excessive Debt](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Resized-GettyImages-475061260-347731-edited.jpg)](https://blog.empirelife.ca/blog/life-money-matters-getting-a-grip-on-excessive-debt) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Nov 20, 2017, 4:10:00 PM A decade or more of low interest rates has accelerated the habit of supporting lifestyles with credit instead of cash flow resulting in historically high debt levels for Canadian households. [Read More](https://blog.empirelife.ca/blog/life-money-matters-getting-a-grip-on-excessive-debt) ## [Paying down debt: a great investment](https://blog.empirelife.ca/blog/paying-down-debt-a-great-investment) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Paying down debt: a great investment](https://blog.empirelife.ca/hubfs/Blog_images/GettyImages-501539884-resized.jpg)](https://blog.empirelife.ca/blog/paying-down-debt-a-great-investment) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Oct 16, 2017, 11:45:59 AM The world seems to revolve around credit cards and getting loyalty points. [Read More](https://blog.empirelife.ca/blog/paying-down-debt-a-great-investment) ## [Getting a Grip on Excessive Debt](https://blog.empirelife.ca/blog/getting-a-grip-on-excessive-debt) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Getting a Grip on Excessive Debt](https://blog.empirelife.ca/hubfs/Blog_images/GettyImages-485008064.jpg)](https://blog.empirelife.ca/blog/getting-a-grip-on-excessive-debt) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Oct 16, 2017, 11:06:00 AM Debt used to be a four letter word. Now it’s just a word. Is it good debt or bad debt? What can you do to get a better grip on your spending and redirect money to grow your investable assets? [Read More](https://blog.empirelife.ca/blog/getting-a-grip-on-excessive-debt) ## [Why Everyone Needs a Will](https://blog.empirelife.ca/blog/why-everyone-needs-a-will) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Why Everyone Needs a Will](https://blog.empirelife.ca/hubfs/Blog_images/GettyImages-486896088resized.jpg)](https://blog.empirelife.ca/blog/why-everyone-needs-a-will) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Jul 24, 2017, 3:11:20 PM Making a Will is an important part of your estate planning. Everyone—wealthy or not—should consider having a Will. Most of us don’t like to think about writing a Will, yet it’s one of the best ways to ensure your estate is managed for your loved ones in accordance with your wishes after your death. [Read More](https://blog.empirelife.ca/blog/why-everyone-needs-a-will) ## [Millennials and Retirement](https://blog.empirelife.ca/blog/millennials-and-retirement) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Millennials and Retirement](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-505665550-BlogFeatureImg-Resized.jpg)](https://blog.empirelife.ca/blog/millennials-and-retirement) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jul 17, 2017, 10:26:57 AM In my last article, I wrote about [Age, Gender and Retirement Perspectives](https://blog.empirelife.ca/age-gender-and-retirement-perspectives). The opinion of retirees and older workers alike is that millennials may have a better chance to control their future when it comes to saving money for their future lifestyles. Let's take a closer look at that and consider the millennial perspective. [Read More](https://blog.empirelife.ca/blog/millennials-and-retirement) ## [Life & Money Matters: Accumulating Money](https://blog.empirelife.ca/blog/life-money-matters-accumulating-money) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Life & Money Matters: Accumulating Money](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/LMM-AccumulatingMoneyGettyImages-184598413.jpg)](https://blog.empirelife.ca/blog/life-money-matters-accumulating-money) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) May 16, 2017, 9:02:33 AM Saving for retirement is tough, considering all of the demands you have now. But with the numerous investment options available, how do you choose which one is right for you? In this installment of Life & Money Matters Peter discusses the three things you need to accumulate money.   [Read More](https://blog.empirelife.ca/blog/life-money-matters-accumulating-money) ## [Retirement. What’s the worry and why?](https://blog.empirelife.ca/blog/retirement-whats-the-worry-and-why) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Retirement. What’s the worry and why?](https://blog.empirelife.ca/hubfs/Blog_images/ELIGettyImages-576607478.jpg)](https://blog.empirelife.ca/blog/retirement-whats-the-worry-and-why) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Apr 24, 2017, 8:44:00 AM A fear of retirement continues to grip Canadians, even as retired Canadians lead happy lives. This is supported by the headlines you read, the sound bites you hear on television and the research that continues to focus on retirement. A recent report on Retirement noted that almost 7/10 working age people are worried about running out of money and having enough money to live on day to day.1 A Retirement Risk Survey by the Society of Actuaries found the following 2 concerns: [Read More](https://blog.empirelife.ca/blog/retirement-whats-the-worry-and-why) ## [Life & Money Matters: Retirement Realities for Boomers](https://blog.empirelife.ca/blog/life-money-matters-retirement-realities-for-boomers) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Life & Money Matters: Retirement Realities for Boomers](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-515078588.jpg)](https://blog.empirelife.ca/blog/life-money-matters-retirement-realities-for-boomers) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Mar 24, 2017, 8:44:20 AM Does your retirement reality fit your own vision and experiences? In this video, Peter demystifies the commonly held perceptions about retirement among boomers and younger generations.   [Read More](https://blog.empirelife.ca/blog/life-money-matters-retirement-realities-for-boomers) ## [Life & Money Matters: Pay Yourself First](https://blog.empirelife.ca/blog/life-money-matters-pay-yourself-first) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Life & Money Matters: Pay Yourself First](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/ELI-Blog-GettyImages-183934815-Resized.jpg)](https://blog.empirelife.ca/blog/life-money-matters-pay-yourself-first) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Mar 16, 2017, 3:11:22 PM The power of saving early and steadily for the long term can make a great impact on your retirement lifestyle. In this installment of Life & Money Matters Peter shares some thoughts on the benefits of paying yourself first.   [Read More](https://blog.empirelife.ca/blog/life-money-matters-pay-yourself-first) ## [Life & Money Matters: Four Retirement Questions for Retirees](https://blog.empirelife.ca/blog/life-money-matters-four-retirement-questions-for-retirees) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Life & Money Matters: Four Retirement Questions for Retirees](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/ELI-Blog-GettyImages-179376244-Resized.jpg)](https://blog.empirelife.ca/blog/life-money-matters-four-retirement-questions-for-retirees) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Mar 9, 2017, 4:27:07 PM Market volatility and increasing expenses can have many retirees concerned whether their retirement income will last as long as they live. In this video segment, Peter discusses four key retirement questions you should consider to help plan for the unexpected. [Read More](https://blog.empirelife.ca/blog/life-money-matters-four-retirement-questions-for-retirees) - [Previous](https://www.empire.ca/blog/topic/personal-finance/page/4) - [4](https://www.empire.ca/blog/topic/personal-finance/page/4) - 5 - [6](https://www.empire.ca/blog/topic/personal-finance/page/6) - [7](https://www.empire.ca/blog/topic/personal-finance/page/7) - [8](https://www.empire.ca/blog/topic/personal-finance/page/8) - [9](https://www.empire.ca/blog/topic/personal-finance/page/9) - [Next](https://www.empire.ca/blog/topic/personal-finance/page/10) ![Get a quote and apply for life insurance](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/GetAQuote-BlogButton-couple-EN.jpg) [BUY NOW](https://www.empire.ca/insurance/buy-life-insurance) ![Retirement Savings Tool](https://blog.empirelife.ca/hubfs/Blog_images/RST-Blog-EN.jpg) [Get Started](https://www.empire.ca/retirement-and-savings-tool) ### POPULAR POSTS ### CATEGORIES - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Investments](https://www.empire.ca/blog/topic/investments) - [Group Benefits](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [Disclaimer](https://info.fastandfull.ca/disclaimer) [Legal](https://info.fastandfull.ca/legal) [Privacy Policy](https://info.fastandfull.ca/privacy-policy) [Accessibility](https://info.fastandfull.ca/accessibility) [Consumer Information](https://info.fastandfull.ca/consumer-information) [Contact Us](https://info.fastandfull.ca/contact) [Third-Party Tools and Sites](https://info.fastandfull.ca/third-party) [Confidentiality](https://info.fastandfull.ca/confidentiality) [Unsubscribe](https://info.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) **CONTACT US** The Empire Life Insurance Company 259 King St. E. 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