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Your Estate Matters Newsletter

Your Estate Matters Podcast

Episode 42: Divorce, Debt & Secrets Lenders Don’t Tell You

In this insightful episode, Nicole and Greg welcome Sabeena Bubber, veteran mortgage broker and founder of The Divorce Circle.

Sabeena unpacks practical wisdom from her decades in the mortgage industry, tackling topics like how mortgages impact estate planning, what happens to real estate debts when someone passes away, and the growing complexities of blended families and divorce on property ownership.

Learn the differences between mortgage insurance and personal life insurance, discover the truths about reverse mortgages, and hear Sabeena’s essential tips for preserving financial stability and building a legacy. Whether you’re planning your estate or navigating big life changes, this episode offers valuable guidance you won’t want to miss.

Your Estate Tip

Making Peace with Mortality

Many of us are no strangers to planning for projects, careers and retirements. Yet one area that many of us avoid planning for is our own mortality. The philosopher John Martin Fischer suggests that confronting death can actually deepen our engagement with life. In Death, Immortality and Meaning in Life he distinguishes between the “meaning of life”, which is a single overarching purpose that applies to every human, and the “meaning of a particular life.” Fischer argues that there is no cosmic meaning of life; instead, each person’s life can be meaningful when it is organized as a narrative with objective value. Or, as Joan Didion famously observed, we tell ourselves stories in order to live. Fischer encourages us to think like authors: we make choices that become sentences in our life narrative, and these choices give shape to who we become.

A life story gains meaning when it connects to reality and is authored freely; because of this, meaning comes in degrees depending on how well we weave connections to people, projects and values. Meaning enhancing activities include loving relationships, pursuing knowledge or creative work, and leaving a lasting mark through accomplishments or service. We can ask whether the projects we pursue and the values we embody will hold up when viewed from a broader perspective. Will they still matter when we look back at the end of our lives?

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Here are some ways you can work with us: ​Book a free consultation with Heritage Trust. Download our free checklist “Essential Steps for Estate Planning.” Purchase our course "The Estate Organizer for Canadians." Join the waitlist for the Canadian Estate Club membership here: https://www.estateclub.ca/canadian-estate-club​ ​ Follow us on social: ​​​​

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