About Money We Have

Established in 2014, Money We Have has quickly become one of the most trusted sources in Canada when it comes to personal finance and travel.

By providing practical information on all things related to money and travel, Money We Have encourages Canadians and travellers from all over the world to make smarter financial decisions.

Covering topics such as bank accounts, saving for retirement, credit cards, trip planning, loyalty programs and more, the tips you'll learn how to make your money last.

Barry Choi founded Money We Have and is often featured in the media as a personal finance and travel expert.

Conflicts of Interest Disclosure

I am not a financial advisor. Any information found here is for education purposes only and not financial advice. Readers should do their own due diligence when making any decisions about their money. I have no formal background in finance. Everything I know is completely self-taught.

Income sources

I have contributed to The Toronto Star, The Globe and Mail, The Financial Post, MoneyWise, Nerdwallet, Forbes Advisor, WestJet Magazine, Skyscanner, TuGo, Tangerine, Oaken Financial, Ratehub, RateSupermarket, Wise Publishing, WealthRocket, GreedyRates, LowestRates, Young and Thrifty, Discover America, Sonnet, Staples, MoneySense, CAA, Borrowell, PC Financial, KnowRoaming, Today's Parent, KOHO, Coast Capital, Intuit Scotiabank and likely other publications which I don't remember at this time.

From time to time, I accept sponsored posts directly on my blog. These types of sponsored posts are clearly disclosed and usually come from companies in the financial services or travel industries. I have also worked with government organizations to provide sponsored content.

I have appeared in videos or the media as a paid expert during single campaigns for RBC, TurboTax, GM, Visit California, Belize Tourism, Transferwise, TransUnion, Tangerine, Bank of Montreal, PC Financial, History Channel, American Express, Intuit, Chefs Plate, Canadian Tire, CIBC, Air Canada, Aeroplan, Canadian Tire, Horizons ETFs, Visit Orlando, Senior's Choice, Turom IG Wealth and CapitalOne. I have also done unpaid video work with TuGo, WestJet, and Go Banking Rates.

I have professional journalism training but am not a journalist by trade. I am only paid by the client I write for. No additional payment is received by any brand or person I mention in my articles. I do not accept payment when mentioning brands in stories where I'm being quoted.

I irregularly appear on or have been quoted by Breakfast Television, CityLine, The Marilyn Denis Show, 680News, Newstalk1010, CBC, CP24, BNN Bloomberg, CTV News, Global News, CityNews, The Toronto Star, The Financial Post, The Globe and Mail, Creditcards.ca, and other online publications for personal finance and travel related stories.

I’ve hosted various events (paid and unpaid), including the Canadian Personal Finance Conference in 2015 and 2016, Tangerine’s Breaking Down Investments Panel Discussion and Q&A, Aeroplan's meet the press and a BMO Facebook Live event.

Occasionally, I travel on press/FAM/individual trips as a guest of tourism boards, travel agencies, or PR companies. During these travels, I may receive complimentary airfare, hotels, attraction tickets, transportation, and meals. In return, I write about my experiences on this site and other media outlets where I contribute.

I do not receive any additional monetary compensation from these partnerships. The partner brand does not get any say in my content, nor do they get to read what I write in advance.

Referrals

I receive no monetary compensation when making referrals in person or online to any financial advisor, mortgage broker, real estate agent, travel agency, airline, etc.

Some of the links I use on my site are affiliate or referral links, which earn me a small income or credit.

I have personal relationships with various people in the finance and travel industries. When we socialize outside of a working environment, we share or alternate meal expenses.