ALMS Blogger

ALMS Blogger Exploring what it means to live out the abundant life that Jesus promised to all those who follow him in John 10:10.

I'm Trong Phan, an Ambrose University grad with a bachelor's in Ministry and currently pursuing my CFP designation at FPCanada.

06/01/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

In finance, if you aren’t paying for the product, you ARE the product. In this video, we pull back the curtain on how zero-fee investing apps quietly drain your wealth through hidden mechanics. From payment for order flow (PFOF) and bid-ask spreads to massive 1.5% to 2% currency conversion (FX) fees on foreign stocks, "free" trading is rarely free.

We also break down the hidden risks of predatory features like margin interest rates, option leverage, and stock lending programs that strip away your investor protection insurance (like CIPF or SIPC).

Don't let gamified interfaces and push notifications turn your financial future into a casino. Flip the script, use their free infrastructure to build real wealth with a low-cost, total-market index fund, and start managing your money with true purpose.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/31/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Is love really all you need, or is marriage an eye-opener? In this video, we challenge the cultural taboo around prenuptial agreements and look at the cold, hard data behind marriage success. Statistically, about 38% of marriages in Canada end in divorce, and sociological research shows that religious or spiritual beliefs don't offer a magical shield against a relationship breaking down.

If love is a lifelong marathon built on commitment, intimacy, and radical honesty, why do we treat a prenup like an exit strategy instead of an act of true stewardship?

We break down why a prenuptial agreement does absolutely nothing to increase your risk of divorce. Instead, it shatters the "optimism bias," forcing couples to sit down, practice vulnerability, and fully disclose every dollar, debt, and expectation. True communication and transparency are timelessly required to make a marriage actually work—and to help both partners live out the abundant life found in Christ.

Don't wait until after the wedding to find out who you are marrying. Watch to find out how confronting the reality of contingency planning can actually protect your family, your finances, and your relationship.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/30/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Is it safe to invest while the world is on fire? With the Russia-Ukraine war, rising US-Iran tensions, and escalating geopolitical conflict, it’s completely natural to feel anxious about your stock market portfolio. Should you pull your money out and sit in cash, or is there a better way to shield your wealth?

In this video, we dismantle the fear-mongering headlines by looking at over 100 years of stock market history. From the total market collapse of Russia in 1917 and China in 1949 to the resilience of global markets after WWI and WWII, we break down why trying to predict geopolitical risk is a losing game—and how you can build an impenetrable shield using total market-weight index funds (like VEQT or XEQT).

If you are an investor trying to navigate stock market volatility, manage market anxiety, and practice faithful stewardship through economic uncertainty, this video is for you. Tune out the noise, understand the psychological tax of building wealth, and learn how to focus on living an abundant life.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/29/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Ever scroll through social media and feel like an absolute failure because you aren't hitting someone else’s version of success? 📉

In this video, we break down why modern hustle culture and universal perfection are traps that lead to burnout, anxiety, and depression. Using a classic arcade metaphor—Mortal Kombat’s "Test Your Might" challenge—we look at how our unique genetics, temperament, and wiring mean we all have a completely different potential ceiling.

Drawing from behavioral science, a powerful C.S. Lewis quote, and the biblical Parable of the Talents (Matthew 25:15), discover why true success isn't about matching a universal spreadsheet or maximizing output. It’s about giving God the reins, pushing through your own friction, and stepping into the abundant life you were uniquely designed to live.

Stop looking sideways. Fill your bar. ⚡

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/28/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Are you still keeping your emergency fund or savings inside a traditional bank account? If you are banking with one of Canada’s “Big Six” banks, your money isn't actually saving—it’s rotting.

With inflation running at 2-3%, earning a measly 0.01% interest means you are actively losing purchasing power every single second. In this video, we break down why retail savings accounts, temporary promotional high-interest savings accounts (HISA), and locked GICs are costing you money, and we reveal the ultimate money hack to maximize your cash liquidity and returns.

Learn how to easily move your funds into a tax-free wrapper like a TFSA (or a non-registered account) and invest directly into Cash ETFs like CASH.TO (for Canadians) or SGOV and USFR (for US investors). We explain exactly how these exchange-traded funds pool institutional capital to secure the absolute best interest rates, how they bypass the retail bank spread, and the vital safety distinctions between CDIC bank insurance and CIPF brokerage protection.

Stop letting your hard-earned money rot. Discover how to optimize your financial resources, practice smart stewardship, and maximize your cash flow so that you can build the abundance needed to thrive.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/27/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Is it a sin to be rich? Many Christians feel intense guilt about pursuing financial success, believing that poverty equals piety. In this video, we break down why building wealth isn't just okay—it's a powerful tool for your divine calling.

We dive into a framework that redefines money as "stored economic work" and explore how financial success provides the ultimate lever for real kingdom impact. Using a blend of biblical scripture and landmark sociological data, we look at the three specific priorities where Christians are called to direct their resources to live out a truly abundant, purpose-driven life.

If you've ever felt conflicted about balancing your faith with your career or financial goals, this video will give you a clear, scriptural blueprint to shift your mindset from guilt to faithful stewardship.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/27/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Is the "Buy, Borrow, Die" billionaire tax loophole real, or is it a massive financial trap? You’ve probably seen viral videos claiming that ultra-wealthy CEOs and billionaires avoid paying any income tax by borrowing millions against their stock portfolios using a Securities-Backed Line of Credit (SBLOC).

They call it a hidden class war, a rigged system, and a secret loophole. But in this video, we pull back the curtain on how corporate, business, and tax laws actually work—and reveal the devastating market risks that the viral videos never tell you about.

From accumulating interest charges to the terrifying reality of a margin call (maintenance call), borrowing against volatile assets can completely wipe out an investor, forcing a liquidation at the absolute bottom of the market and triggering a massive, unplanned tax bill from the IRS or CRA.

We also break down why the tax code is designed this way: to incentivize capital investment, fuel economic innovation, and reward long-term equity ownership. The truth is, anyone can buy an index fund and defer capital gains taxes. Wealth creation isn't a secret borrowing trick—it’s the result of hard work, upgrading your skills, delayed gratification, and choosing to own productive assets rather than just consuming.

Let’s shift away from a scarcity mindset and envy. It’s time to learn how the financial game is actually played, take personal responsibility, and focus on building and stewarding our own wealth so that we can live out the abundant life we are called to.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/26/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Are you tired of seeing your YouTube feed flooded with videos like "Average Net Worth by Age," "Am I Rich?", or "How Much You Need Saved by 40"?

In this video, we pull back the curtain on why these personal finance comparison videos are actually algorithmic clickbait designed to induce intense financial FOMO, stoke egos, and keep you trapped on a hedonic treadmill.

We dive deep into the behavioral economics and psychological research behind "Upward Social Comparison," exploring concepts like the "Death of Subjective Well-Being" and "Social Trading" to prove how constantly benchmarking yourself against "crypto bros" or internet influencers is literally destroying your financial satisfaction and driving reckless investment risks.

More importantly, we turn to the ancient wisdom of 1 Timothy 6 to discover biblical contentment and introduce a practical, math-based solution to break the comparison trap once and for all: Reverse Budgeting.

Learn how to define your true target lifestyle, run a simple PMT calculation, and completely automate your wealth into low-cost, market-weighted index funds so you can stop obsessing over assets and start living the abundant life you were actually called to live.

If you are ready to build a personal finance plan that gives you total peace of mind without comparing yourself to others, this video is for you.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/24/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Is your financial advisor actually growing your wealth, or are they just a glorified mutual fund salesperson? 🛑 In this video, we run a brutal performance review on your financial advisor and uncover 3 massive red flags that prove you might be in a completely one-sided relationship.

If your advisor fails even one of these tests, it’s time to have a very uncomfortable conversation about your money.

We break down:

The Glorified Salesperson: Why asset management without a comprehensive, written financial plan (covering taxes, estate planning, and retirement cash flow) is a massive red flag.

The Hidden Benchmark: How active fund managers hide behind absolute returns, and why the SPIVA report proves that over 85% of them fail to beat the broader market over 10 years.

The Fee Smoke Screen: The dangerous reality of hidden fees and high MERs. Discover how a seemingly small 2% fee can quietly compound over 30 years and eat up to HALF of your retirement nest egg.

You worked hard for your money, and you take all the risks when investing it. Make sure you are keeping the lion’s share so you have the freedom and options to enjoy the abundant life you were meant to live.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

05/23/2026

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

We spend billions of dollars on biohacking, anti-aging, and trying to outrun death. We treat our mortality like a cosmic mistake. But what if succeeding in our quest for eternal earthly life would actually be the ultimate nightmare?

In this video, we dive deep into the book of Genesis, the wisdom of C.S. Lewis, and modern cultural metaphors to challenge how we view the end of life. From the hidden mercy behind God blocking the Tree of Life in the Garden of Eden, to the realization that immortality in a fallen world would mean an eternity of progressive decay, we explore how death acts as humanity's ultimate circuit breaker.

If we are like the child trapped in the movie "Room" (2015), death isn't the destruction of our universe—it's the opening of the door to a vast, beautiful, and endless reality outside. Join us as we rethink life, death, and the abundant, eternal life waiting for us in Christ.

If this perspective challenged or encouraged you, make sure to like, subscribe, and share your thoughts in the comments below!

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

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