In this episode we talk to Gagan Sivia, a CFP, CGA, accounting teacher at BCIT and director of finance & analytics at Azure Properties Group. Join us as we sit down and discuss and Gagan shares her expert insights on setting students up for lifelong financial success, guiding you through the critical stages of property development. In this episode, we cover: **Stages of Property Development**: Learn the step-by-step process and timeline for developing a property. Development Costs Breakdown: Discover why over 30% of development costs go to fees and the reasons behind these charges. **Impact of Capital Gains Changes**: Understand how recent changes in capital gains are affecting property development and affordability. **CFP's Perspective on Capital Gains**: Hear from a Certified Financial Planner about the implications of these changes. **Financial Literacy**: Discuss the importance of teaching financial literacy and how it can transform communities. Rising Interest Rates: Analyze the effects of rising interest rates and explore potential solutions for lowering them. **Life Insurance and Capital Gains**: Learn why new capital gains changes might make life insurance a smart investment. **Investing with Azure Properties**: Get insights into how investing with Azure Properties works and meet the dedicated Azure Team. Don't miss this comprehensive discussion that blends expert advice, practical tips, and strategic insights to help you navigate the financial landscape and drive positive change in your community. Whether you're a seasoned investor or just starting, this episode is packed with valuable information you won't want to miss. Subscribe for more episodes that empower you with knowledge to grow financially and make a lasting impact. Leave a comment with your thoughts and questions!