Most investors focus on returns—but the real secret to long-term wealth? Avoiding losses. A single 30% drawdown means you’ll need a 43% gain just to break even. In this post, we explore how a risk-first, rules-based approach can protect your portfolio and potentially double its value over time.

Let’s unpack whether paying off your mortgage early is truly the smartest path. You’ll see side-by-side comparisons of being mortgage-free vs. investing the difference — and the long-term impact on your freedom, cash flow, and net worth. If you’re a Canadian homeowner chasing security but craving more, this episode reveals why the traditional path might be holding you back.