Kaitlin MacVicar graduated from university and then pursued a college diploma, finishing her studies about one year ago. In the process, she racked up about $35,000 worth of student debt.

Kaitlin found work soon after graduating, but worked a series of contracts before recently landing a permanent job. While on contract, Kaitlin was wary of putting her income into any saving or investment tool that would not give her easy access to her money. She wanted to be able to use the money to continue paying her student loans and other bills, even if her contract was not renewed and she couldn’t find another job right away. A smart attitude, but one the investment advisor at her local bank branch wanted to discourage her from.