https://www.rdsp.com/calculator/ - Link

Most Canadians eligible for the RDSP have never opened one. That’s a costly mistake.

In this episode, Tré breaks down why the Registered Disability Savings Plan is one of the most powerful but underused tools available to Canadians with disabilities. If you or someone you care about qualifies for the Disability Tax Credit, this account could be life-changing.

Even with zero personal contributions, low-income Canadians can receive up to $20,000 from the government — and that’s just the start.

You’ll learn:

• Who qualifies for an RDSP (and why it's simpler than you think)
• How to get up to $90,000 in government grants and bonds
• Why investing early can turn $20K into over $390K — or even $2.6 million
• The key age cutoffs you need to know
• How to open an RDSP (and where most people get stuck)

Know someone who qualifies? Share this episode. It could fund their entire retirement.

Most Canadians think investing is about picking the right stock, timing the markets, or chasing returns. It’s not. In this episode, Tré breaks down exactly how he manages his own investment portfolio, and why simplicity, tax-efficiency, and a clear philosophy matter far more than hot tips or flashy products.

If you're a DIY investor, a skeptical professional, or someone overwhelmed by jargon, this episode will ground you in what actually works.

You’ll learn:

• Why Tré uses low-cost, globally diversified index funds
• The real difference between “market risk” and unnecessary risk
• Why most people don’t understand what they’re investing in
• The hidden danger of “tax-optimized” investments like swap-based ETFs
• Why investing doesn’t need to be complicated to be effective

Share this episode with someone who’s still chasing stock picks or paying too much in fees — and follow or review the show to support smarter financial decisions.

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Earning over $400,000 a year puts you in a privileged position, but it also comes with bigger decisions, bigger risks, and bigger tax bills. In this episode, Tré breaks down how high earners can avoid the most common financial pitfalls and finally shift from focusing on income to building lasting wealth.

This episode is for professionals, business owners, and executives who are in—or approaching—high-income territory and want to avoid lifestyle creep, inefficient tax planning, and financial regret.

You’ll learn:

• Why high income doesn’t guarantee high net worth
• The budgeting mindset that scales with income
• How to use income surpluses without wasting them
• Why taxes—not spending—become your biggest threat
• The importance of risk management and having a team
• How over-gifting and poor oversight can quietly erode wealth

Follow, share, or leave a review if this episode helped you.

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Most people “budget” by looking backward at what they’ve spent. That's reactive.

In this episode, Tré walks through the exact system he and his family use to manage their money proactively — with multiple accounts, a clear spending structure, and zero guilt. Whether you’re a couple or managing solo, this framework gives you total control without obsessing over receipts.

You’ll learn:

• Why tracking expenses is backward, and what to do instead
• How to set up your accounts for true financial clarity
• The one rule that keeps your spending and goals in sync
• How to budget without ever saying the word “budget”
• What to do with the money left over after monthly expenses

Follow, review, or share the podcast if you’re ready to stop reacting to your money and start directing it.

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Investing Simulator: https://buildyourstax.com/

Most people think bonds are “safe” and stocks are “risky.” But what if that’s exactly backward, especially over the long term?

In this episode, Tré breaks down the real meaning of asset allocation and why traditional advice like “add more bonds as you age” may be setting you up for failure. Backed by research, Tré explains why a 100% equity portfolio often leads to the best outcomes — and how to know if it’s right for you.

You’ll learn:

• Why bonds can increase your risk of running out of money in retirement
• What “balanced” portfolios really deliver—and why they might fall short
• How to match investments to your spending timeline (not your age)
• The emotional traps investors fall into (like anchoring bias)
• Why financial literacy is your best defense against panic
• How to think about asset allocation across TFSA, RRSP, and corporate accounts

Follow, review, or share this podcast to help more Canadians invest with confidence.

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If you’re torn between paying off your mortgage or investing, you’re not alone, and there’s a lot of bad advice out there. This episode breaks it down with facts, not feelings.

Tré uses real planning software to run side-by-side comparisons and shows why—mathematically—investing often comes out ahead. But psychology, discipline, and risk tolerance matter just as much. Whether you're holding low-interest debt or still paying off your credit cards, this episode will help you choose your next move confidently.

You’ll learn:

• Why credit card debt and investing don’t mix—ever
• How a small change today can mean hundreds of thousands by retirement
• Why risk tolerance and financial literacy are key to your strategy
• When it’s smarter to pay off your mortgage (yes, sometimes it is)
• How to blend both strategies if you're unsure
• What advisors often get wrong, and how to push back

Make the right call for your future. Subscribe, review, or share the episode today.

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Earning six figures used to mean financial security. Now? That mindset could be a trap.

In this episode, Tré tackles the hidden risks for Canadian households earning between $100,000 and $200,000. This range feels comfortable, but it’s where lifestyle inflation, car loans, and poor planning quietly eat away at your financial future. Tré offers a practical, no-fluff guide to budgeting, systematizing cash flow, and staying on track.

You’ll learn:

• Why $150K/year isn’t the safety net people think it is
• How car loans and credit creep derail your progress
• What “systematizing” your finances really looks like
• Why middle-income households must still track the small expenses
• The risk of looking rich instead of being rich
• When it’s time to cut back or increase your income

If you're in this income range and want to stay in control, subscribe, review, and share this episode.

Most Canadians treat debt as a burden and taxes as a given. But what if you could flip that thinking and turn your debt into a tax advantage?

In this episode, Tré breaks down how to structure debt so the interest becomes tax-deductible. He outlines strategies that can save you tens of thousands over time, especially if you’re a business owner, landlord, or hold non-registered investments.

You’ll learn:

• Why minimizing tax over your lifetime beats avoiding a tax bill today
• How to turn your mortgage into a tax-deductible investment loan
• What the Smith Maneuver is—and how it can transform your finances
• Common mistakes that ruin deductibility (and how to avoid them)
• Why structure and discipline matter more than ever in this strategy
• When you shouldn’t attempt this on your own

Taxes need to be paid, but you should only pay what you need to. Subscribe, review, or share this episode with someone who needs to hear it.