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Financial Independence Factor

by Moementum Finance

Join the Financial Independence Factor Podcast to learn about strategies to save and invest money, optimize your finances, and reach financial independence. The monthly podcast hosted by Moe, an avid investor and YouTube content creator from Moementum Finance & Investing Channel, includes interviews with successful entrepreneurs and personal finance personalities to discuss topics related to FIRE (Financial Independence, Retire Early), budgeting, investing (stock market, real estate, cryptocurrency), and building generational wealth.

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Episodes

  1. Ep 87 | Can You Retire Early with Covered-Call ETFs?! Tony's Real-Life Early Retirement

    Tony retired in 2024 in his 30s with an $850K Portfolio, but can income investing continue to fund his early retirement?! In this interview I talk to him to better understand what it took for him and his wife to walk away from their job in their 30s and live off their investments. We'll see...

  2. Ep 86 | Are You Really Funding Bad Companies by Owning XEQT?!

    Welcome back to another episode of Financial KarMoe with Kar and Moe! 🎙️ Episode 23 is another community Q&A (Thanks everyone who sent us a question on Blossom!). We cover topics ranging anywhere from XEQT and ethical investing to day trading, CAGE, TFSA strategies, taxes, AI and planning...

  3. Ep 85 | Investing for Financial Independence with just 2 ETFs (XEQT & VT) - How this 25-Year-Old Built a $130K Portfolio | Conlan's Investing Strategy

    How does a 25-year-old build a $100K+ investment portfolio without constantly chasing the next hot stock? In this episode of the Moementum Finance Podcast, I sit down with Vancouver-based investor and finance content creator @conlanloffmark , who reached the $100K invested milestone at just...

  4. Ep 84 | Switching from CAGE to CAGX?!

    Welcome back to Episode 22 of Financial KarMoe with Kar and Moe! 🎙️ This time, we’re reviewing several interesting Blossom posts and using them as a starting point for a much bigger conversation about how we actually invest, make decisions, and avoid getting distracted by the latest market...

  5. Ep 83 | What’s Your “Magic Number” to Reach Financial Independence?

    In Episode 21 of Financial KarMoe, Kar and Moe dive into a wide-ranging audience Q&A covering some of the biggest questions investors face along their journey.🎣 Why is it so difficult to consistently outperform the stock market? Kar explains his “fishing hole” analogy and why competition in the...

  6. Ep 82 | From Risky Stocks to 90% ETFs (Investing as a Gen Z)

    Jane from "Spicy Sunday Finance" joins me for a conversation about investing, financial literacy, content creation, and building a life with more flexibility. Jane started learning about money around age 19 after calling a bank and spending two hours learning the basics of investing, TFSAs…

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  7. Ep 81 | Stop Calling XEQT a ‘Growth’ ETF — Here’s What It Really Is

    Are “growth” and “income” really two completely different investing strategies? 🤔 In episode 20 of Financial KarMoe, Kar and Moe unpack why these labels can sometimes create more confusion than clarity — especially when you look beneath the surface at what an ETF actually owns. We talk about why...

  8. Ep 80 | $1.4M Portfolio Update for Financial Freedom (28,000+ XEQT Shares and Counting)

    My household investment portfolio has reached approximately $1.4 million, but there’s an important part of that number I want to be completely transparent about: approximately $180,285 is investment-related borrowing.In this portfolio update, I’m breaking down the actual numbers behind the...

  9. Ep 79 | 100% XEQT in Retirement? Here’s What We Think

    What is actually considered a “pretty damn good” investment return? And if you’re earning 20%, 30% or even 40%+ in yield, should you really expect that to continue?Welcome back to Financial KarMoe Episode 19, where @thekaryungtom and Moe tackle another round of investing, personal finance and…

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  10. Ep 78 | Borrowing to Invest through Smith Manoeuvre (Our Real Portfolios, Mistakes & Lessons)

    What does the Smith Manoeuvre actually look like when you’ve been doing it for years? In this video, Kyle and I go beyond the theory and share our own real-world experiences implementing the Smith Manoeuvre—including how we got started, why we decided to use it, how we invest the borrowed money,...

  11. Ep 77 | Wealthsimple Kids & Teens Account EXPLAINED: What Parents Need to Know

    Wealthsimple has introduced a new Kids & Teens account, giving Canadian parents a way to help their children learn about spending and money management — while keeping parental controls in place.But how exactly does it work? In this video, I break down Wealthsimple's new Kids & Teens account and...

  12. Ep 76 | Can Covered Call ETFs Really Fund His Early Retirement?!

    In this episode of Moementum Finance, I sit down with Matt (@matt.41 on Blossom) a 41-year-old Canadian investor and single dad from rural Manitoba who is building a portfolio designed to eventually give him the freedom to walk away from his job and spend more time with his son.Matt's investing...

  13. Ep 75 | What Should You REALLY Expect From the Stock Market? (Equity Risk Premium Explained)

    What does a car accident have to do with personal finance and investing? More than you might think. 🚗 In Episode 18 of Financial KarMoe, Kar and Moe start with a very real-life situation: Kar’s recent car accident. Thankfully, everyone was safe, but the experience raised some important financial...

  14. Ep 74 | Your Portfolio Is Up… But Can You Actually Afford to Retire?

    Welcome back to Episode 17 of Financial KarMoe with Kar and Moe! 🎙️📈 In this episode, Kar and Moe dive deep into how much you can safely withdraw from your portfolio without running out of money. 💰🏖️We explore Kar's Portfolio Backtest Lab and use real historical market data to examine what...

  15. Ep 73 | Lessons from Investors Who Built $250K–$1M+ Portfolios - Voices of Blossom from Vancouver 2026 BlossomCon

    What happens when you put four investors with different strategies on the same stage? At BlossomCon 2026 in Vancouver, I joined Jordan Collier, Darren McKay, and Sophie Zhao for the “Voices of Blossom: Top Creators Share Their Strategies” panel, moderated by Harvest ETFs.The biggest takeaway from...

  16. Ep 72 | Receiving $25,000/month in distributions using Covered Call ETFs for Passive Income (Inside a Covered Call Investor's Strategy)

    What if your $1 million investment portfolio could generate tens of thousands of dollars in distributions every month? And would it be sustainable over long term? In this episode of Moementum Finance, I sit down with Vikas from @passiveincomagnet to unpack his fascinating investing journey, his...

  17. Ep 71 | Should You Put XEQT in Your FHSA?

    In Episode 16 of Financial KarMoe, @thekaryungtom and I (Moe) answer questions submitted by the Blossom investing community. We cover a wide range of investing questions — from whether 100% equities makes sense in an FHSA when you're planning to buy a home, to whether covered call ETFs belong in…

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  18. Ep 70 | Pay Off Your Mortgage AND Build an Investment Portfolio? | Smith Manoeuvre Explained

    What if your mortgage could do more than just get paid off? In this episode of Moementum Finance, I sit down with Jonah Hoyos, a Smith Manoeuvre Certified Mortgage Broker, for a deep dive into one of Canada's most talked-about mortgage and investing strategies: the Smith Manoeuvre™.The basic…

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  19. Ep 69 | Portfolio Line of Credit (PLOC) vs. Margin Account Investing

    Welcome back to Financial KarMoe — Episode 15 where Kar and Moe go through questions submitted by members of the Blossom investing community, covering everything from retirement withdrawals and portfolio tracking to XEQT, leverage, margin, portfolio lines of credit, the Smith Manoeuvre, and...

  20. Ep 68 | Would You Buy More If the Market Crashed 40%? This Investor Says It's Not That Simple!

    What happens when you start investing at 18, move from stock picking to evidence-based investing, and become obsessed with understanding how portfolios actually work? In this episode of Moementum Finance, I sit down with Max Penders, a 24-year-old real estate agent and passionate investor from...

  21. Ep 67 | Are Index Funds Really "Average"?

    Welcome back to Episode 14 of Financial KarMoe with Kar & Moe!In this episode, we dive into some of the biggest investing debates happening in the personal finance community — from index funds and factor investing to covered call ETFs, FOMO, and building a long-term investing strategy.We start by...

  22. Ep 66 | $1.4 Million Portfolio... Built With Just Two ETFs?

    I'm sharing my family's nearly $1.4 million investment portfolio and explaining why more than 90% of our stock market investments are in a single globally diversified ETF: XEQT.Instead of chasing the latest hot stock or constantly buying new ETFs, we've kept our investing strategy incredibly...

  23. Ep 65 | Why Dividend Investing Feels So Good, Even When Growth Investing May Win)

    Why do so many investors love dividend investing and dividend snowball —even when a growth-focused strategy may ultimately produce greater wealth?In this episode of Moementum Finance, I sit down with investor Fraser McGuire to explore one of the most debated topics in investing: the psychology...

  24. Ep 64 | Can you beat the market by stock picking?!

    In Episode 13 of Financial KarMoe, @thekaryungtom and I dive into a wide range of investing topics—from our reflections on attending BlossomCon 2026 in Toronto and strategies for selling shares in retirement, to why spending more time researching stocks doesn't necessarily lead to better returns....

  25. Ep 63 | How I Built a $230K Portfolio Using My Mortgage (Leveraged Investing with Smith Manoeuvre)

    Are you tired of your mortgage being "dead" debt that doesn't help build your wealth? Based on numerous questions I have received, in this video, I explain in simple terms the Smith Manoeuvre—a powerful Canadian wealth-building strategy that allows homeowners to convert non-tax-deductible…

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  26. Ep 62 | My $234,000 Smith Manoeuvre Portfolio (4.5 Years Update)

    Thinking about using the Smith Manoeuvre to build wealth while paying off your mortgage? In this video, I share my real-world experience implementing the Smith Manoeuvre in Canada—including how I obtained a re-advanceable mortgage [i.e. Scotia Total Equity Plan (STEP)], the mistakes I made for…

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  27. Ep 61 | CIBC's New ETFs (CAGE, CAKE, CAGR, CAGX) | Factor Investing in Canada

    In Episode #12, @thekaryungtom and I discuss a wide range of timely investing and personal finance topics—from the excitement surrounding BlossomCon to the psychology behind making smarter money decisions.We begin by discussing why networking often provides more value than the conference itself,...

  28. Ep 60 | How to Build Wealth Without Watching the Stock Market Daily 📊

    Financial KarMoe is back! 🎙️ In Episode #11, @thekaryungtom and Moe dive into one of the biggest mistakes investors make—checking their portfolios too often. While it may seem harmless, constantly watching your investments can lead to emotional decisions that hurt long-term returns.We also…

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  29. Ep 59 | Can You Actually Beat the S&P 500? Here's the Truth 🤔 (+ Latest CAGE Dividend Income)

    From celebrating a first dividend payout by CAGE, and trying to beat the S&P 500, to diversification, and discussing whether it's better to invest or aggressively pay down your mortgage, the Episode 10 of Financial KarMoe, is packed with fascinating Blossom posts and topics which may interest...

  30. Ep 58 | How This 21-Year-Old Is Building Wealth While Attending University Full-Time

    Jared is only 21 years old, yet he is already built an impressive investment portfolio while balancing full-time university studies, multiple jobs, and a relentless commitment to financial independence.In this episode of the Moementum Finance Podcast, Jared shares how he overcame the fear of...

  31. Ep 57 | The 1-ETF Fund Portfolio (Investing for Financial Independence)

    In episode 9 of Financial KarMoe with @thekaryungtom and Moe, we dive into the real stories behind portfolio growth, highlighting how discipline and timing often can more than luck or high-flying picks.Discover how everyday decisions—such as spending within your means, building an emergency fund,...

  32. Ep 56 | $9,000 in XEQT Dividends ($1.3M ETF Portfolio for Financial Independence)

    In this episode, I provide an update on our $1.3 million investment portfolio, built primarily using just two globally diversified ETFs. Our investing strategy is simple: buy low-cost index funds, stay globally diversified, and remain invested for the long term.This quarter was especially…

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  33. Ep 55 | Is the 4% Retirement Rule Broken?! | XEQT vs VFV & Investing Mistakes

    In Episode 7 of Financial KarMoe, @thekaryungtom and Moe dive into one of the most debated topics in personal finance: Is the 4% withdrawal rule still alive? We review and react to sevaral posts shared by fellow Blossom investors.🟣 Topics Covered:• Bill Bengen & the updated 4% rule debate•...

  34. Ep 54 | From Dishwasher to Millionaire: Omar’s $7M Success Story

    Most investors overlook the critical role of taking calculated risks—and Omar’s journey proves it’s the fastest route to financial independence. From washing dishes in a restaurant to managing multi-million dollar portfolios, Omar shares how strategic risk-taking, disciplined investing, and...

  35. Ep 53 | One Simple Mindset Shift That Can Help You Avoid FOMO in Investing

    Many investors get caught up chasing the hottest stocks, chasing FOMO, or overestimating what they can beat in the market. But this simple, powerful insight discussed in the video reveals why broad market investing—done patiently—outperforms almost every short-term hype. Discover how…

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  36. Ep 52 | Moving Provinces, Buying a Home, and Building Wealth

    In this episode, Moe sits down with John, a young investor and Blossom member in his early 30s, who recently made a bold move from Ontario to Alberta with his wife. Together, they discuss what it’s like to start fresh in a new province, buy a home, and work toward building long-term wealth.John...

  37. Ep 51 | Living Off Dividends and Growth Stocks/ETFs in Early Retirement

    In this episode of Moementum Finance, I sit down with Gean and Kristine, the couple behind the rebranded YouTube channel Strategic Early Retirement, to unpack what it really takes to achieve financial independence as everyday Canadians. We dive into why they rebranded from FIRE WeGo to Strategic...

  38. Ep 50 | Factor Investing vs. Broad Market Investing For Beginners (CAGE vs. XEQT)

    Welcome back to Financial KarMoe — where real conversations meet smarter money decisions. In Episode 5, @thekaryungtom joins Moe to break down one of the most misunderstood concepts in personal finance: leverage. From mortgages to ETFs, we unpack how everyday financial tools can quietly shape…

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  39. Ep 49 | My $1.2M Portfolio + Why I Changed Brokerages

    🌏 Ready to simplify your path to FIRE? 🚀 Download my Free $1.2M Roadmap here: https://moementum-finance.kit.com/a7a0f6922b🌺Follow my entire portfolio and trades on Blossom: https://getblossom.onelink.me/SOfu/moe✅ Subscribe to Moementum Channel for more Investing and Financial Freedom videos:...

  40. Ep 48 | Investing with Leverage: Smart Move or Costly Mistake?

    Episode 4 is a bit of a deep dive—and a real one. @thekaryungtom and Moe get into how your investing strategy can guide your selections in your portfolio, how we actually think about total return (not just dividends vs growth), and why that mindset shift matters more than most people realize.…

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  41. Ep 47 | The Power of Budgeting and Budling Financial Confidence (Investing for Beginners)

    In this episode, Siobhan — one of the two brilliant minds behind Hiver Academy — joins me to share her inspiring journey from being overwhelmed by debt to helping others achieve financial confidence. Alongside her co-founder Amanda, Siobhan built Hiver Academy to make financial education...

  42. Ep 46 | Reaching Financial Independence & Building Smarter Portfolios (Learning from 20+ Year ETF Veteran) 📊

    In this insightful interview, I sit down with Marcus (ETF Go), an experienced ETF investor and asset management professional who brings over 20 years of progressive experience in Canada’s investment industry. With deep expertise in ETFs, mutual funds, and investment strategy, he shares not only...

  43. Ep 45 | Are Covered Call Funds Worth It?

    In Episode 3, Moe sits down with Kar Yung Tom from Blossom to break down real investing discussions happening inside the Blossom community — and things get interesting.We react to posts from Michael, Lisa, Jacobb, Richard, and Nick, covering everything from AI in investing to income vs growth...

  44. Ep 44 | I’m Getting $30,000 Just for Switching Brokerages

    What if switching brokerages could pay you $30,000? In this video, I break down how my household took advantage of the Wealthsimple “(Un)real Deal” (https://www.wealthsimple.com/en-ca/unreal-deal) by transferring our investments from Questrade—and how we’re set to receive nearly $30K in cashback...

  45. Ep 43 | Most Common Canadian Tax Myths Busted by a CPA | What Most People Get Wrong About Taxes!

    In this eye-opening interview, I sit down with Matthew, a Chartered Professional Accountant (CPA) to debunk some of the most common myths Canadians believe about taxes. From the truth about tax refunds to misconceptions around tax brackets and business expenses, we cover it all.🔍 Topics we dive...

  46. Ep 42 | Smith Manoeuvre Investing in Canada (Banks Don’t Explain This Mortgage Wealth Strategy | My ~$207,000 Smith Maneuver investment portfolio)

    Canadians are told to either pay off their mortgage or invest for retirement—but what if you could do both at the same time?In this video, I break down The Smith Manoeuvre, a Canadian wealth strategy that converts non-deductible mortgage debt into tax-deductible investment debt using a...

  47. Ep 41 | From Novice to Dividend Investor: Ryan's Journey

    Ryan started investing in 2020 with no experience and quickly discovered the power of dividend investing through YouTube. Over time, his strategy has evolved, but the focus remains on building consistent dividend income and staying disciplined. He now is a successful investor and full-time…

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  48. Ep 40 | Pursuing Financial Freedom in your 50s

    In your 50s, you may be closer to retirement, but that doesn't mean you have to stop building your financial future. In fact, with the right strategies, this can be the most powerful time to invest, even if you have not yet got started with investing!Darren is a Canadian investor who is investing...

  49. Ep 39 | Building a Million Dollar Income Portfolio with Gary Gill

    In this episode of Moementum Finance, I sit down with Gary Gill to unpack his incredible journey—from working in advertising to building a million dollar plus income portfolio and a thriving presence on YouTube and beyond.Gary shares powerful insights on experimenting your way to success,...

  50. Ep 38 | Journey to Financial Independence with a Family of 5 (Learnings from a 36-year Old CAF Member🎖️)

    In this inspiring interview, we sit down with Kyle, a 36-year old Canadian Armed Forces (CAF) member who was formerly a real estate investor, who turned fully to investing in the stock market in his pursuit of financial independence—while serving his country and raising a family of 3 kids with…

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ABOUT THIS SHOW

Join the Financial Independence Factor Podcast to learn about strategies to save and invest money, optimize your finances, and reach financial independence. The monthly podcast hosted by Moe, an avid investor and YouTube content creator from Moementum Finance & Investing Channel, includes interviews with successful entrepreneurs and personal finance personalities to discuss topics related to FIRE (Financial Independence, Retire Early), budgeting, investing (stock market, real estate, cryptocurrency), and building generational wealth.

HOSTED BY

Moementum Finance

CATEGORIES

business investing

Frequently Asked Questions

How many episodes does Financial Independence Factor have?

Financial Independence Factor currently has 50 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.

What is Financial Independence Factor about?

Join the Financial Independence Factor Podcast to learn about strategies to save and invest money, optimize your finances, and reach financial independence. The monthly podcast hosted by Moe, an avid investor and YouTube content creator from Moementum Finance & Investing Channel, includes...

How often does Financial Independence Factor release new episodes?

Financial Independence Factor has 50 episodes. Check the episode list to see recent publication dates and frequency.

Where can I listen to Financial Independence Factor?

You can listen to Financial Independence Factor on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.

Who hosts Financial Independence Factor?

Financial Independence Factor is created and hosted by Moementum Finance.
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