Episode 103: Why Strategic Leverage Wins: Logic Over Emotion To Maximize Canadian Investments

Listen here on our website:

Canadian Wealth Secrets

Why Strategic Leverage Wins: Logic Over Emotion To Maximize Canadian Investments

Why Strategic Leverage Wins: Logic Over Emotion To Maximize Canadian Investments

      0:0015:42

      Or jump to this episode on your favourite platform:

      Canadian Wealth Secrets on YouTube Podcasts

      Are emotions holding you back from growing your wealth? Are you making objective decisions regarding your wealth or is it possible that you’re like most business owners, entrepreneurs, and investors. Emotions creep into your decision making and are preventing you from achieving more? 


      In this episode of Canadian Wealth Secrets, Kyle Pearce and Jon Orr dive deep into a common struggle many Canadians face—how to utilize good debt while keeping emotions in check. It’s easy to feel conflicted about leveraging assets, especially when interest rates rise and financial advice warns us to pay off debt. However, avoiding strategic leverage could mean missing out on compounding wealth over time.

      This episode is tailored for those trying to balance emotions with rational financial decisions, particularly in times of economic uncertainty. Whether you’re thinking about downsizing, borrowing against an asset, or wondering if higher interest rates are a reason to sell, this conversation sheds light on how long-term wealth is built, even when rates fluctuate.

      • Learn why wealthy individuals thrive in times of inflation and how you can leverage this for your financial benefit.
      • Discover how interest rates are tied to asset value, and why they shouldn’t deter you from utilizing your wealth.
      • Understand the true cost of selling assets versus borrowing against them and how to strategically maximize your portfolio.

      Don’t let emotions stop you from growing your wealth—tune in to this episode and start leveraging smarter today!

      Resources:

      Calling All Canadian Incorporated Business Owners & Investors:

      Consider reaching out to Kyle if you’ve been…

      • …taking a salary with a goal of stuffing RRSPs;
      • …investing inside your corporation without a passive income tax minimization strategy;
      • …letting a large sum of liquid assets sit in low interest earning savings accounts;
      • …investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting cordporate passive income taxes at greater than 50%; or,
      • …wondering whether your current corporate wealth management strategy is optimal for your specific situation.

      In this conversation, Kyle Pearce and Jon Orr discuss the concepts of good debt versus bad debt, the impact of interest rates on wealth accumulation, and the emotional barriers that prevent individuals from leveraging their assets effectively. They emphasize the importance of understanding how debt can be used strategically to build wealth, particularly in the context of rising interest rates and inflation. The discussion also highlights the common misconceptions surrounding debt and the need for a mindset shift to embrace leverage as a tool for financial growth.

      Watch Now!

      Transcript:

      Kyle Pearce: All right, John, I am ready for a quick hit episode here with you because this is something that I am dealing with with so many clients and it really comes down to, we talk about it all the time, the idea of like, yeah, the rant is coming. No, but really, I’m really hoping that people can.

      better understand what’s going on so that at least they can get their emotions more in check. Here’s the hardest part. We talk about rational side of our brain. We talk about the emotional side and emotions typically win. And the big one here is like, first off, one of our most listened to episodes as of recently is the episode on debt and what the wealthy do.

      Jon Orr: Mm-hmm, the elephant.

      Kyle Pearce: that’s different than what most others do. really comes down to we’re talking about this idea of good debt. And having good debt is actually a good thing. Now, the only way to have good debt is against assets, right? Like that’s what good debt is, right? You’re going to buy an asset or you have an asset and you actually leverage against that asset. The asset will continue to grow and of

      And if you continue to pay interest, that is going to grow as well. But the part that people get stuck on is this idea. They would rather sell things and pay tax so they get less than what they had the day before they sold. They sell it. They pay capital gains, or they pay income taxes, depending on what it is that, where this money is coming from, from these investments.

      Ultimately that money will just slowly dwindle away through inflation and through spending there is no growth there of course we’re not paying interest to spend our dollars the big argument is I don’t want to pay money in order to use my own money that’s like what people say but that’s actually an illogical move and I think today we’ve got a highlight

      some of what actually impacts things like interest rates so that people can actually understand at a high level, like almost like a macro economic perspective as to how this all works so that they could recognize that, guess what? It doesn’t actually matter what the interest rate is five, 10, 15 years from now because it’s all gonna be okay.

      Jon Orr: Hmm, yeah, I think many people are saying like, okay, I have this asset and I don’t wanna lock up my money. I don’t wanna like, it’s gonna get in there and I’m not gonna be able to touch it and if I do, I have to borrow against it and therefore like, what happens if interest rates are higher? It’s like, now I have to borrow at a higher rate than if I just sold it. I didn’t lock it in in the first place, it’s more liquid and then I can spend it. But the problem, right, is that,

      you spend it like you said, it just goes away, it dwindles down. Whereas if I’m going to borrow against it, I’m so concerned about this interest rate that I now have to pay and that’s more money out of my pocket. And I think that’s the hard part for people to wrap their head around is that, okay, I have this money, it’s sitting there, but now I have to pay even more money to just access it. And I think this comes back to something that we’ve said a few times,

      on different episodes about that. You have to think about that the rate, like the interest rate, let’s say, or inflation, there’s value here attached to rates. Like you have an asset, which is the amazing part. And if you have an asset, then you have this like chunk of like, let’s call it money. It’s sitting there. No matter what that asset is, it’s like it has an associated.

      interest rate attached to it. I like to think of it that way because either you have to borrow to access the asset without selling it, right? So if you sell it, boom, it’s in your cash, it’s in your pocket. Great. If you don’t sell it, you have access to it, but yeah, you have to say pay the interest rate or think of it like this. Your asset is value. It’s a pot of money sitting there. And if you don’t spend it, you could make money you know, on interest by lending it out. Like there is, there is an interest rate attached to that money, either you’re earning interest or you’re spending the interest. It’s one way or the other, right? It’s like you’re, and if you do nothing, you’re losing the actual interest that you could be using or earning if you don’t say, if you, if you don’t say borrow against it or you use that asset. Like basically there’s an interest rate there somewhere. And if the interest rate is high, you earn the high rate.

      If the interest rate is high, then you have to pay the high rate. But it’s like, that’s why it doesn’t matter. I think the way you’re saying it is like your assets value is increased. Therefore the interest rate is increased. Like it’s all coming out in the wash. It’s just like you said, it’s emotionally mindset about getting around this.

      Kyle Pearce: Yeah, and I think you’re getting closer to this idea that we need to understand that interest rates aren’t random. They are connected. And of course, in short periods of time, they might not seem so. So for example, I’m going to use the housing market as an example. When interest rates spiked up very quickly here starting in 2022 and onwards, what happened is you had this quick change to interest rates. And therefore, that actually suppressed the housing market a little bit. It almost seemed like the opposite. You’re like, wait a second, interest rates went up. Now housing prices are going down. Well, actually what happened is, is interest rates took a longer time to catch up to what was happening to appreciation rates. So they had to quickly adjust them. So if everyone remembers from 2019 all the way to end of 2021, asset prices extremely jumped. Why is that? Because of this thing called inflation.

      Inflation was very, very high relative to what it had been doing in the years prior. And therefore, interest rates had to spike up to try to kind of mitigate that. Like we’re increasing interest rates to bring the inflation rate down. When things inflate, while we hate it going to the grocery store, while we hate it when we go out to a restaurant, while we hate inflation for so many things, who loves inflation is the wealthy.

      The wealthy love inflation because their assets are increasing in value while they sleep. And this is the part that I think is so critical for us to understand when we’re utilizing this idea of leverage strategies, be it to purchase assets or to leverage in order to generate tax-free income for ourselves. I’m going to use a house as an example. What the typical retiree does here in Canada, which is problematic, is

      They sell their primary residence because there’s no capital gains and they downsize. This idea of downsizing is a big deal, right? I get it, downsizing makes sense if you’re like, the house is just too big and I don’t want too big of a house. But what many people do is they go, no, we’re actually gonna free up equity from our house and we’re gonna live off of that equity because we’re now retired and we need money in retirement. So they take a…

      million dollar home just making up numbers and then now they buy a $500,000 home. Now it’s usually where the conversation starts. By the way, they usually go million. They want to buy 500 and then they buy 750 because they want a really nice version of the $500,000 house. And then they’ve kind of like have been like, we’re not quite there. But here’s the real important part is that that let’s say they went from a million dollar home to a $500,000 home. 

      They’ve released $500,000 of equity and in this case because it’s a primary residence, they’ve done it tax free. So that part’s good. The problem is, is that in each and every year ongoing, the million dollar house is going to appreciate by at least whatever the rate of inflation is probably more though, right? As we’ve seen because of the Canadian housing market being so tight. So let’s pretend for a second it’s 4%. So that million dollar home is gonna appreciate by 40,000.

      the $500,000 house is gonna appreciate by half that amount. It’s gonna appreciate by 20,000. Now here’s where the problem gets worse, is that if we keep going, you’re compounding on a bigger amount each and every year on the million dollar home that keeps growing at the same rate. The smaller home is growing at the same rate, but it’s not going to ever of course catch up to that million dollar home. And here’s the crux of it all.

      When that money that we freed up by cashing in the 500,000, mind you, we didn’t pay realtor fees in this world. We didn’t pay land transfer tax. We didn’t pay legals. didn’t do all of those things that you did. and all the money you put into the property before you sold it, because you were trying to elevate the purchase price. All of those things, we’re not even factoring in here. We’re gifting those to us for this discussion. That 500,000 is gonna eventually run out.

      And then now they have to look back to that asset again and go, what’s our move? And you know what that move for many Canadians is, is downsize further or sell completely and then move into some sort of rental situation. And guess what? They eventually get to a place where they take zero, benefit zero sort of, of, advantage of this thing known as inflation, because we were taught when we were very young and

      all throughout our working years, that we should pay off debt and that we shouldn’t hold debt because debt is bad and interest rates can increase. When in reality, if we use logic, you recognize that, a second, my property value is going to be increasing in the years where interest is at a higher level and therefore I can leverage and be at a net better spot despite interest rates being higher because

      my assets are also appreciating. So this is a big, big idea that we need all of our Canadian wealth secret seekers to start accepting or at least thinking about in their minds that we’re not here to over leverage. We’re not here. We want to use conservative leverage and we want to keep assets for as long as we possibly can to kick the can on capital gains taxes and

      to create tax-free income because here’s the problem. If we look to the taxable buckets, the result is even worse because now we’re gifting much of the upside that we’re trying to release through taxation and we lose the opportunity for that asset to continue growing in the later years as interest rates increase.

      Jon Orr: Yeah, and I think you’re right. The big idea here is wrapping our minds around here about how do we get over the emotional side of using leverage to grow your wealth? Because as soon as you get past that part, that’s when the real, Kyle used the word compound, the real compounding will start to take effect because you’re past the emotional side of overcoming your fear of using the good debt to grow that wealth. you know, if you’ve still got like hangups on that right now, like you’ve listened to this episode, you’ve listened to our previous episodes about how do you manage your debt and think about debt, then reach out to us. Like, you know, get on over to our CanadianWealthSecrets.com, join our email list, email us. Like we want to hear what are some of the holdbacks, the barriers that you’re experiencing right now that makes it feel harder for you to use leverage?

      and the debt that you have, you know, have access to your assets to grow your wealth. Because I want to hear about them because then, well, let’s talk about how you can use that or get beyond that because that’s how you’re going to actually grow your wealth the most.

      Kyle Pearce: I think that’s a huge secret sauce, my friend. So head on over to Canadianwealthsecrets.com. Hey, listen, if you’re an incorporated business owner and you have retained earnings and you’re trying to remove the tax target off those retained earnings, reach out to us at Canadianwealthsecrets.com forward slash discovery, and we’ll teach you some leverage strategies that will help you become financially free sooner and ensure that you’re maximizing and optimizing your situation while utilizing conservative leverage.

      Jon Orr: All right, Canadian Wall Secret Seekers, we’ll see you next time.

      Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance. The show also digs into the underutilized corporate owned life insurance as a wealth building and Canadian tax planning tool through the use of participating whole life insurance that can not only resolve the issue of removing the income tax target from the back of your corporations retained earnings and put more money in your personal pocket both now and in the future.

      "Education is the passport to the future, for tomorrow belongs to those who prepare for it today.”

      —Malcolm X

      Design Your Wealth Management Plan

      Crafting a robust corporate wealth management plan for your Canadian incorporated business is not just about today—it's about securing your financial future during the years that you are still excited to be working in the business as well as after you are ready to step away. The earlier you invest the time and energy into designing a corporate wealth management plan that begins by focusing on income tax planning to minimize income taxes and maximize the capital available for investment, the more time you have for your net worth to grow and compound over the years to create generational wealth and a legacy that lasts.

      Don't wait until tomorrow—lay the foundation for a successful corporate wealth management plan with a focus on tax planning and including a robust estate plan today.

      Insure & Protect

      Protecting Canadian incorporated business owners, entrepreneurs and investors with support regarding corporate structuring, legal documents, insurance and related protections.

      INCOME TAX PLANNING

      Unique, efficient and compliant  Canadian income tax planning strategy that incorporated business owners and investors would be using if they could, but have never had access to.

      ESTATE PLANNING

      Grow your net worth into a legacy that lasts generations with a Canadian corporate tax planning strategy that leverages tax-efficient structures now with a robust estate plan for later.

      We believe that anyone can build generational wealth with the proper understanding, tools and support.

      OPTIMIZE YOUR FINANCIAL FUTURE

      Start Optimizing Your Wealth Plan

      Download your FREE Canadian Wealth Secrets Wealth Builder Blueprint to get started.

        We respect your privacy.

        By clicking the button you agree for us to send you mail. Unsubscribe at any time.

        Canadian Wealth Secrets - Real Estate - Why Real Estate
        Canadian Wealth Secrets
        A Canadian Business Owner Retirement Plan: Corporate Cash + RRSP Strategies for Financial Freedom Seekers
          0:00
            39:44
            Subscribe
              All Episodes

            A Canadian Business Owner Retirement Plan: Corporate Cash + RRSP Strategies for Financial Freedom Seekers

            Loading...

            39:44

            Design a Risk System That Protects Your Retirement & Financial Freedom (No Perfection Required)

            Loading...

            13:47

            Optimize Your Wealth Reservoir: The Smart Way to Balance Age and Funding with a Whole Life Insurance Policy

            Loading...

            19:00

            How Achieving Financial Freedom & Retirement is Dependent On A Team & Pathway: The Power of Financial Partnerships

            Loading...

            12:39

            The Costly Mistake Canadian Business Owners Make With Dividends and Payroll

            Loading...

            26:06

            How an Ontario Business Owner Secured a $750K Asset—Without Losing Access to Liquidity

            Loading...

            29:26

            Is Your Retirement Plan Tax-Inefficient? Mistakes Even Smart Canadian Business Owners Make | A Case Study

            Loading...

            26:12

            You Can’t Sell Chaos: The #1 Mistake Killing Your Canadian Financial, Retirement, and Business Plans

            Loading...

            29:26

            Why Net Worth Alone Won’t Get You to Financial Freedom in Canada

            Loading...

            26:18

            House Hacking in Canada: Genius Strategy or Hidden Tax Trap?

            Loading...

            33:13

            The Hidden Tax Traps of Scaling Real Estate and Day Trading Without a Plan

            Loading...

            30:50

            Canadian Real Estate Investing with Other People’s Money (OPM): Myth vs. Reality

            Loading...

            17:37

            4 Financial Milestones to Ensure Your Early Retirement Strategy Works — Are You on Track?

            Loading...

            21:09

            How to Start Your Canadian Real Estate Investing Journey Without Fear or Failure

            Loading...

            37:30

            Phased Selling: The Smarter Way to Shift Family Wealth | Canadian Investment Portfolios

            Loading...

            24:24

            The Hidden Bias Costing Canadian Investors Thousands

            Loading...

            37:27

            23 Years Old & Already Thinking Like A Millionaire: A Canadian Business Owner Case Study

            Loading...

            29:44

            When Easy Leverage Beats Complex Strategies - A Canadian Business Owner Case Study

            Loading...

            34:31

            The Hidden Cost of Your Financial Plan: The Gap Between Expectation & Reality

            Loading...

            18:29

            Navigating Big Market Drawdowns: Strategies for Canadian Investors

            Loading...

            34:38

            When to Fund the RRSP Over Using the Smith Maneuver - A Blueprint for Canadian Business Owners

            Loading...

            24:37

            Think You're Diversified? The Risk Hiding in Your Canadian Portfolio

            Loading...

            31:13

            How Fast Can I Access Leverage? Utilizing The Cash Value From Whole Life Insurance

            Loading...

            14:04

            The Hidden Cost of Passive Income (And How to Fix It): A Canadian Business Owner Case Study

            Loading...

            31:46

            When NOT to Do The Smith Maneuver - A Case Study Exposing a Common Tax Trap

            Loading...

            29:04

            Navigating Canadian Real Estate with Investors Nick Hill and Daniel Foch

            Loading...

            57:03

            The Million Dollar Mistake Most Canadians Are Making Part 3 | Smith Maneuver Edition

            Loading...

            23:05

            The Million Dollar Mistake Most Canadians Are Making Part 2 | Pay Off Your Mortgage? A Case Study

            Loading...

            37:07

            How Much Kevin O'Leary Says You Need to Retire — And What Would He Invest In?

            Loading...

            19:22

            Why More Learning Won't Grow Your Wealth (And What To Do Instead for Financial Freedom)

            Loading...

            24:40

            The Safest Retirement Plan in Canada? A Zero-Risk Solution To Cover 100% of Your Lifestyle Needs (And Leave Millions to Your Estate)

            Loading...

            36:32

            Hope Is Not A Financial Retirement Strategy: The Silent Threat Limiting Your Portfolio’s Growth

            Loading...

            38:48

            How To Reset Your Financial Plan and Know When it’s Time For A Change

            Loading...

            18:07

            How Much Doubt Will Cost You In Retirement?

            Loading...

            23:40

            Don’t Get Tricked Into This Common Canadian Wealth Building Misstep

            Loading...

            18:04

            The Real Reason Most Millionaires Stay Rich (It’s NOT What You Think!)

            Loading...

            20:56

            How to Turn Your Fixed Income Assets Into a Tax Efficient Canadian Wealth Building Machine

            Loading...

            26:59

            Why This Asset is the Core of Safe and Flexible Wealth Building Strategies

            Loading...

            31:05

            Your Financial Goals Are Lying to You… Here’s Why

            Loading...

            15:36

            The Dividend Investing Myth That Might Be Costing You More Than You Think

            Loading...

            32:20

            Keep, Sell, or Leverage: Why Keeping Your Home as a Canadian Rental Property May or May Not Be The Best Move!

            Loading...

            19:13

            Double Your Investment Dollar: A Smith Maneuver-Like Strategy for Growth, Deductions, and Legacy - Part 2 - Corporate Edition

            Loading...

            37:06

            A Costly Canadian Retirement Planning Myth & How To Avoid It

            Loading...

            17:37

            Double Your Investment Dollar: A Smith Maneuver-Like Strategy for Growth, Deductions, and Legacy - Part 1

            Loading...

            34:00

            What Happens to Your Single Stock Portfolio When Market Volatility Sets In - How Nividia’s (NVDA) 12% Drop Impacts Your Portfolio

            Loading...

            26:52

            Canadian Business Succession Planning: What You Need To Know!

            Loading...

            27:48

            The Four Phases of Wealth: Where Are You Stuck?

            Loading...

            27:43

            Dividends vs. Salary—Which One’s Secretly Draining Your Wealth?

            Loading...

            37:11

            The Millionaire’s Secret to Investing: Why Successful Canadian Investors Use ETFs Over Stock-Picking

            Loading...

            29:06

            Are You Saving/Investing Enough? How To Plan For Your Ideal Canadian Retirement Income

            Loading...

            26:55

            How I Made $616 in 5 Minutes (And You Can, Too) - A Covered Call Options Case Study

            Loading...

            37:39

            Expecting Unpredictability: The Secret To Your Million Dollar Canadian Portfolio Growth

            Loading...

            32:48

            RRSP & TFSA Maxed Out? Next Step Strategies For High Income Earners

            Loading...

            22:08

            Options Trading: Use This Safe Covered Call Options Strategy To Grow Your Canadian Portfolio

            Loading...

            35:12

            Turning Corporate Cash into Opportunities: A Safe Strategy for Business Owners | FAQ Passthrough Structure

            Loading...

            20:09

            Building a Safety Net For Your Aggressive Stock Portfolio | Early Retirement FAQ

            Loading...

            41:53

            How to Protect Your Retirement Income During Market Downturns: The Math Behind Early Retirement Part 4

            Loading...

            43:20

            Navigating US and Canadian Tax Systems For Canadian Investors| Money Insights

            Loading...

            49:42

            Three (3) Cash Wedges To Boost Your Annual Income During Retirement: The Math Behind Early Retirement Part 3

            Loading...

            37:57

            How Sequence of Returns Can Balloon or Bust Your Financial Plan: The Math Behind Early Retirement Part 2

            Loading...

            36:38

            Why Time Is Your Biggest Ally (or Enemy): The Math Behind Early Retirement Part 1

            Loading...

            38:08

            Stock Trading in Corporations: The Tax Landmine You Need to Avoid

            Loading...

            39:57

            Why a Whole Life Insurance Policy Is The Right Tool For A Canadian Corporate Passthrough Structure - A FAQ Session

            Loading...

            33:17

            How Smart Canadian Business Owners Make $1 Million Feel Like $2 Million | Minimize Taxes

            Loading...

            29:00

            Beyond RRSPs: How One Family Turned $6000/year into a Lifetime Renewable Asset

            Loading...

            19:22

            Why Building Wealth Feels So Hard—and the Secret to Making It Easier

            Loading...

            36:01

            Turning $2.8M Net Worth Into a Money Making Machine That Will Grow Forever | Canadian Financial Planning Case Study

            Loading...

            26:31

            The Canadian Investing Secret to Creating Wealth Out of Thin Air (No, It’s Not Magic!)

            Loading...

            30:40

            Unlock the Power of Retained Earnings: Tax Strategies for Business Owners and Wealth Builders

            Loading...

            20:57

            How To Supercharge your RRSP: A Tax Guide for Canadian Entrepreneurs

            Loading...

            32:11

            How This Canadian Business Owner Unlocked $3 Million in “Hidden” Wealth – Without Spending a Penny More

            Loading...

            27:05

            Cash Damming vs. Smith Maneuver For Canadian Investors

            Loading...

            31:21

            Avoid Throwing $90K Down The Drain In This Canadian Passive Income Trap [Secret Sauce Ep21]

            Loading...

            18:33

            Why RRSPs Are Right For Only Some Canadian Business Owners

            Loading...

            27:12

            Why Your Car Loan Is Draining Your Canadian Wealth (And How to Fix It) [Secret Sauce Ep20]

            Loading...

            23:52

            Why Strategic Leverage Wins: Logic Over Emotion To Maximize Canadian Investments

            Loading...

            15:42

            The Million Dollar Mistake Most Canadians Are Making [Secret Sauce Ep19]

            Loading...

            25:57

            The Waterfall Method: Transfer Wealth, Minimize Canadian Taxes, and Build a Legacy

            Loading...

            27:10

            Why Canadian Interest Rates Don’t Matter If You Have Assets | Canadian Investment

            Loading...

            10:05

            Why The CRA is the Joint Venture Partner You Never Asked For and How To Plan For It

            Loading...

            19:56

            Why Your Holding Company Will Be Double-Taxed in Canada (And How to Fix It)

            Loading...

            18:30

            Why You Shouldn’t Pay Off Your Canadian Mortgage (what you should do instead)

            Loading...

            32:56

            Should You Refinance Your Canadian Investment Properties to Pay Down Your Primary Home Mortgage? | Passive Income

            Loading...

            16:27

            Two Barriers Preventing You From Reaching Financial Independence Here In Canada | FIRE

            Loading...

            34:38

            Find Your Comfort Number to Get Started and Factors Impacting Cash Value Growth of a Whole Life Policy

            Loading...

            23:44

            Incorporating Your Company in Canada: 5 Questions That You Need To Consider

            Loading...

            40:32

            The Canadian Wealth Dilemma: Pay Off Debt or Save on Taxes?

            Loading...

            19:09

            Do You Have a Retirement Plan or Retirement Prayer? Achieving Canadian Financial Independence

            Loading...

            26:30

            The Canadian Passive Income Tax Trap: The Problem Every Successful Incorporated Business Owner Has and How to Solve It [Secret Sauce Ep13]

            Loading...

            27:47

            What Future You Wishes You Knew Right Now - Important Moves for Canadian Financial Independence (FIRE)

            Loading...

            31:49

            When It Doesn't Make Sense for a Canadian Small Business Owner to Invest in RRSPs [Secret Sauce Ep12]

            Loading...

            22:12

            Misconceptions with The Smith Maneuver: What You Need To Know For Tax Strategy in Canada

            Loading...

            26:56

            What Does The Insurance Company Do with my Whole Life Policy Premiums?

            Loading...

            21:48

            3 Reasons The Wealthy in Canada Avoid Paying Down Debt

            Loading...

            30:04

            Why Canadian Small Business Owners Need To Re-Consider How You Are Using Your Capital Dividend Account

            Loading...

            12:19

            Why the Capital Gains Tax Increase in Canada Isn’t Your Biggest Tax Problem

            Loading...

            25:26

            What Should A Good Financial Advisor Charge To Manage My Canadian Investment Portfolio?

            Loading...

            16:15

            The Smith Maneuver Explained: A Case Study On Innovative Canadian Investment & Tax Strategies

            Loading...

            41:22

            Solving Your Canadian Small Business Retained Earnings Tax Problem | Corporate Tax Strategies

            Loading...

            25:54

            Who SHOULDN'T Buy A Permanent Life Insurance Policy in Canada

            Loading...

            31:27

            Your Canadian Portfolio Rate of Return Reality Check [Secret Sauce Ep7]

            Loading...

            9:38

            Real Estate Investment Strategies for Canadian Entrepreneurs from Experts in the Toronto Real Estate Market

            Loading...

            44:02

            RRSP Investment Options and Alternatives For Business Owners [Secret Sauce Ep6]

            Loading...

            18:42

            Jailbreak Your Retained Earnings and Minimize Expenses Related to Income Tax & Capital Gains Inclusion Rate Hikes

            Loading...

            25:37

            Is Your Old Whole Life Insurance Policy Still Worth It? [Secret Sauce Ep5]

            Loading...

            10:46

            Passive Income Investing Through Real Estate: Are You Building a Real Estate Investment Portfolio or Real Estate Business?

            Loading...

            32:27

            Volume Negates Luck: Hot Take On Alex Hormozi’s Favourite Business Phrase [Secret Sauce Ep4]

            Loading...

            9:21

            From $1,000 to $10 Million: A Canadian Real Estate Journey From 60-Hour Work Weeks to True Time Freedom

            Loading...

            38:39

            Are Your Investment Priorities Out of Whack? Time for an Adjustment? [Secret Sauce Ep3]

            Loading...

            7:41

            The Smith Maneuver in a High-Rate Era: Maximizing Canadian Income Tax Deductions

            Loading...

            1:04:49

            Finding The Best Rate of Return May Be Holding You Back To Creating Wealth [Secret Sauce Ep2]

            Loading...

            9:36

            Should Canadians Invest In the US? The Pros and Cons of Investing in the United States Economy

            Loading...

            36:17

            Are You On the Right Path for Financial Independence, Retire Early (FIRE)? [Secret Sauce Ep1]

            Loading...

            12:20

            Unlocking Income Tax Secrets: Transforming Equipment Purchases Into Tax Deductions and Tax-Free Income

            Loading...

            48:01

            Your Net Worth Really Isn’t Your Real Net Worth: How to Create a Wealth Management Strategy and Estate Plan That Works

            Loading...

            32:39

            Retirement Plan Reimagined: Canadian Strategies for Maximizing Your Golden Years

            Loading...

            42:12

            From Business Burnout to True Traction: An Entrepreneurial Roadmap for Scaling Your Greatest Investment

            Loading...

            41:48

            Crossing the Corporate Veil: Tax Planning For Canadian Business Owners

            Loading...

            43:25

            The Truth About “Infinite Banking” or “Bank On Yourself”: Is It Too Good To Be True?

            Loading...

            36:42

            The Accountant Entrepreneurs and Business Owners Have Been Searching For: An Interview with Bob Gauvreau

            Loading...

            49:54

            How to Grow Your Net Worth While Strengthening Your Financial Foundation

            Loading...

            34:48

            How to Get a Free Lottery Ticket & Financial Security Blanket: A Deep Dive Into Critical Illness Insurance

            Loading...

            52:23

            Overcoming Your Entrepreneurial Impostor Syndrome, Self-Doubt and Negative Thinking

            Loading...

            50:39

            Secrets to Selecting Your Financial Advisory Team For More Wealth and Less Income Tax

            Loading...

            31:42

            Should I Always Contribute To My RRSP To Minimize Income Tax?

            Loading...

            39:41

            Diversifying Your Entrepreneurial & Investing Experience On Your Wealth Building Journey With Raj Loganathan

            Loading...

            38:23

            Salary or Dividends? How Should I Pay Myself To Minimize My Tax Burden?

            Loading...

            32:52

            Maximize Capital Flexibility & Minimize Income Tax When Designing Your Wealth Building Strategy Inside Your Canadian Corporation

            Loading...

            36:58

            Become a Lazy Canadian Millionaire Investor. Learning Passive Income Secrets from Jim Chuong.

            Loading...

            43:54

            Create Your Own Canadian Pension Plan So Good That Ontario Teachers’ Pension Plan (OTPP) Members Will Be Jealous!

            Loading...

            51:57

            Niche Down on Nicheing: Strategies for Sustainable Success For Canadian Investors & Entrepreneurs

            Loading...

            30:35

            How To Choose The Right Kind Of Life Insurance for Canadian Entrepreneurs

            Loading...

            26:20

            How to be a Canadian Real Estate Entrepreneur - An Interview with Elizabeth Kelly

            Loading...

            37:57

            Variable Rate or Fixed Rate? Which Option Is Your Best Investment In The Canadian Housing Market?

            Loading...

            24:19

            “THE” Canadian Investment Strategy PROVEN to Build Generational Wealth

            Loading...

            29:24

            Canadian Wealth Strategies for Your Safe, Fixed Income Investments Beyond GICs and Bonds

            Loading...

            34:45

            How To Build Your Wealth While…Financing a Vehicle

            Loading...

            43:47

            Entrepreneurship, Property Investing, and Mindset with Rene Masse

            Loading...

            44:31

            How To Supercharge Your Emergency Fund

            Loading...

            33:04

            Stock Player or Spectator: Which Stock Market Investment Strategy Should You Be Using?

            Loading...

            28:24

            Looking at Mutual Funds Under the Microscope

            Loading...

            27:27

            Why Buy-Sell Agreements Don’t Work - And What To Do About It

            Loading...

            35:34

            💬 Be Seen 👁‍🗨 To Get The Green 💸 - An Interview With Dave Dubeau

            Loading...

            34:45

            Should I Invest In a RRSP or TFSA?

            Loading...

            22:50

            Is $100,000 Enough For A Comfortable Life?

            Loading...

            32:07

            Stop Saying You’re Not Ready Yet

            Loading...

            38:07

            Do You Have Your Financial Plan Backwards?

            Loading...

            47:34

            Why Going 10x Is Easier Than 2x

            Loading...

            33:19

            Saving Taxes and Accelerating Your Investments with The Smith Maneuver

            Loading...

            41:27

            Momentum Hacks: Turbocharge Your Progress

            Loading...

            27:05

            Invested Teacher Deals Update

            Loading...

            37:42

            What Are You Waiting For? Why Excuses Keep You Stuck In a State of Inaction

            Loading...

            30:50

            How to Work With Your Instincts and Not Against Them

            Loading...

            31:36

            Investing Complexity: How Passive or Active Is Your Investing Style?

            Loading...

            25:03

            Clarifying Your Life’s Why So You Can Achieve Your Dream Lifestyle

            Loading...

            35:17

            How to Find the Funds For Your Financial Future

            Loading...

            32:07

            Does 90% of Success Come From Just Showing Up?

            Loading...

            33:19

            Your Investment Advisor’s Definition of Risk Is Wrong!

            Loading...

            31:49

            Building 'Life' Wealth: Balancing Experiences and Financial Growth with Canadian Idol & Real Estate Investor Ryan Malcolm

            Loading...

            38:52

            From Striver to Success: Income Generation Strategies for Wealth Growth

            Loading...

            35:19

            To Buy or Not to Buy: A Live Property Analysis

            Loading...

            34:46

            Who's Your Guide Along Your Hero's Journey?

            Loading...

            38:25

            The ONLY Skill You Need to Become Successful (It’s Not What You Think!)

            Loading...

            36:14

            Is Your Big Bank Investment Strategy Paying Off?

            Loading...

            37:28

            Rent-to-Own Revealed: Unravelling the Mechanics and Benefits of this Unique Real Estate Strategy

            Loading...

            31:19

            Designing Win-Win Investment Deals using the 90-10 Rule

            Loading...

            37:07

            Should I Optimize Deals For Cash Flow or Appreciation?

            Loading...

            33:36

            Why Inflation Is a Real Estate Investor's Best Friend

            Loading...

            30:07

            Setbacks to Success: Mastering the Art of Productive Real Estate Investing

            Loading...

            35:25

            The Stock Market Versus The Housing Market: Where’s the Win?

            Loading...

            38:35

            Financial Planning for Early Retirement: Are You Ready to Quit Your Job?

            Loading...

            44:59

            Four (4) Ways To Fund Your Child’s Post Secondary Education

            Loading...

            44:44

            The Magical Money Machine That Turns $16k Into $21k Safely

            Loading...

            56:52

            Being Creative to Create Wealth [Part 2]

            Loading...

            36:13

            Being Creative to Create Wealth [Part 1]

            Loading...

            25:23

            You Paid Off Your Mortgage? Now What?

            Loading...

            43:14

            Analyze An 11-Unit Multi-Family Property With Us

            Loading...

            48:55

            No Flipping Way! - The Case Against Flipping in Real Estate

            Loading...

            37:37

            Crunching The Numbers For Retirement: How Much Do I Need To Retire?

            Loading...

            52:19

            What’s Your Retirement Going to Look Like?

            Loading...

            40:37

            Who Should Be On Your Team? Hurdles to Buying Real Estate Investment Property - Part 4

            Loading...

            54:27

            How To Analyze A Deal with Technicals: Hurdles To Real Estate Investing - Part 3

            Loading...

            56:49

            Fundamentals To Finding The Right Deal - Hurdles To Real Estate Investment - Part 2

            Loading...

            49:05

            Hurdles to Buying Real Estate Investment Property - Part 1

            Loading...

            40:29

            Helping Kids With Financial Literacy

            Loading...

            50:21

            Stocks, Side-Hustle, or Real-Estate?

            Loading...

            44:47

            The Three Silver Bullets of Real Estate Investing

            Loading...

            50:57

            Your Wealth Building Blueprint - Part 3

            Loading...

            41:16

            Your Wealth Building Blueprint - Part 2

            Loading...

            36:35

            Your Wealth Building Blueprint - Part 1

            Loading...

            30:57

            Why You Don’t Want To Pay Down Your Mortgage As Fast As You Can

            Loading...

            39:30

            Moving From Uninvested Towards Financial Freedom

            Loading...

            26:23

            Invested Teacher Trailer

            Loading...

            2:04