Make Money Count
by Cannect Inc.
Welcome to Make Money Count, a podcast focused on the Canadian economy, Real Estate, and your mortgage.We’d love it if you’d join us as we explore options that put dollars back into the average Canadian’s pocket. Subscribe for new episodes weekly!
Episodes
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The Bank of Canada Raised Rates. Here's Why It Targets Demand.
The Bank of Canada just raised the overnight rate by 25 basis points to 2.5%, and the press conference that followed said a lot more than the headline did. Marcus and Justin go through the questions put to the Governor and Deputy Governor and break down what the answers mean for Canadian…
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Will Mortgage Rates Go Up Tomorrow?
The Bank of Canada’s rate announcement is tomorrow, and the market is leaning toward a hike. In this episode of Make Money Count, Marcus and Justin walk through three possible outcomes (a hold, one hike, or a hike with a signal of more to come) and what each could mean for your mortgage. In this...
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Rates Are Shifting, How Will It Affect Ontarians?
A Bank of Canada rate hike looks likely next week. In this episode of Make Money Count, Marcus and Justin look at what is driving the decision, including Governor Tiff Macklem's October 19 speech and September CPI at 3.1%. We also cover: Why the Bank of Canada's tone shifted so quickly What…
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Fixed or Variable? Here's Why Banks Charge You More
Fixed or variable? It was the single most asked question at the Toronto Home Show this weekend, so we decided to answer it properly. In this episode of Make Money Count, Marcus and Justin break down exactly how each rate is priced, what just flipped the odds on an October 28 Bank of Canada hike,...
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Trump vs the Canadian Dollar: What's Really Going On
Why does Trump actually want a weaker Canadian dollar, and what does it mean for your mortgage rate? In this episode of Make Money Count, Marcus and Justin break down the currency dynamics behind Trump's comments on the Canadian dollar, what's really happening with the Federal Reserve heading…
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Can the Fed Chair Hold the Line Tomorrow?
The US 10-year bond yield just touched 5%, and the Federal Reserve meets tomorrow with a 90% chance of a rate hike already priced in. So what happens if they don't? In this episode of Make Money Count, Marcus and Justin break down tomorrow's Fed decision, what a hold versus a hike means for bond...
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Why Fixed Rates Keep Rising Even When the Prime Rate Doesn’t
The Bank of Canada has held rates for seven straight meetings. Your mortgage rate went up anyway. In this episode of Make Money Count, Marcus and Justin dig into exactly that contradiction. The overnight rate has sat at 2.25% for seven straight meetings, yet fixed rates keep climbing regardless.…
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What The Big Banks Are Predicting For Your Rate
What if the biggest banks in Canada showed up to the same party and couldn't agree on anything? In this episode of Make Money Count, Marcus and Justin imagine exactly that: RBC, TD, BMO, and Scotiabank, all in one room, all asked the same question about where rates go next. Three of them show up...
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How the War in Iran Is Impacting Your Mortgage Rate
Is the Iran conflict quietly deciding your mortgage rate? In this episode of Make Money Count, Marcus and Justin break down why a war most people have stopped watching is doing something nobody expected to bond yields, oil prices, and the rate you pay every month. We break down: Why Trump's all…
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Hollywood vs Reality: Mortgage Edition
Did Hollywood actually get mortgages right? In this episode of Make Money Count, Marcus and Justin react to some of Hollywood's most famous mortgage moments, and the gap between fiction and reality is bigger (and smaller) than you'd expect. We break down: What subprime really meant in The Big...
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The Fed Flipped On Rate Cuts, What Now?
Is the Fed about to break your mortgage plans? In this episode of Make Money Count, Marcus and Justin break down new Fed Chair Kevin Warsh's very first policy meeting, and why it didn't go the way most people expected. We break down: Why Warsh, Trump's own pick, spent his first meeting talking...
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The Real Estate Opportunity Canadians Are Too Scared To Take
Is Canada sitting on the biggest real estate opportunity in years? In this episode of Make Money Count, Marcus and Justin break down exactly what is happening in Canada's housing market, why prices are 20% off peak, and why most Canadians are still too scared to move. We cover: Why housing is 20%...
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Inflation Is Rising. Rates Aren't Dropping. What’s Next?
Is Canada headed for a rate hike nobody saw coming? In this episode of Make Money Count, Marcus and Justin sit down days before the Bank of Canada's June 10th meeting to break down exactly what's happening with interest rates, inflation, and your mortgage renewal. We break down: Why a rate cut on...
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Don't Trust Your Bank. Here Is The Smarter Mortgage Move.
Is your bank quietly working against you? In this episode of Make Money Count, Marcus and Justin get into the mortgage conversation most Canadians never get to have. With bond yields climbing and fixed rates on the move, knowing what to do and when to do it could be the difference between a great...
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Canada's Inflation Is Out of Control & Your Mortgage Is Next
Is your mortgage renewal about to get a lot more expensive? In this episode of Make Money Count, Marcus and Justin dig into Canada's April CPI numbers and why the story behind the data is one every Canadian borrower needs to hear. Gas prices at a record high, groceries quietly bleeding your…
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They Lost 2 Months of Jobs Data. Here's What It Could Mean for Your Mortgage.
Is the jobs report even real anymore? In this episode of Make Money Count, Marcus and JT sit down to talk about something that's been quietly building behind the scenes, and the cracks are getting harder to ignore. From a federal agency that's lost its data collectors to a treasury yield that...
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Why The Nacho Trade Is Running Canada's Economy
Is Canada's economy quietly cornered? In this episode of Make Money Count, Marcus and Justin sit down to talk about something that's been building for a while now, and the numbers are getting harder to ignore. From a record-breaking gas price spike to an inflation figure that caught even the…
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Why the Bank of Canada Isn't Talking (And What They’ve Been Hiding)
Is Canada actually in as much trouble as everyone's saying? The Bank of Canada just revealed something they’ve been quietly doing for 23 years and most Canadians have absolutely no idea. In this episode of Make Money Count, Marcus and Justin break down what the Bank of Canada's own data is…
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Is The Bank of Canada Just a Fancy Pawn Shop?
Is your variable rate mortgage actually safe? The Bank of Canada just made a move that every Canadian homeowner needs to know about and most people have no idea it's even happening. In this episode of Make Money Count, Marcus and Justin break down the repo market, why hedge funds are flooding…
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95% Drop? Inside the Condo Market Collapse!
Is Canada’s condo market quietly breaking? In this episode of Make Money Count, Marcus and Justin dive into the condo market, and what they uncover is hard to ignore. From record-low sales numbers to massive unsold inventory, the data tells a story most people aren’t talking about openly. We…
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Middle East War… Will Mortgage Rates Spike Again?
In this episode of the Make Money Count Podcast, we break down how global events like war, rising oil prices, and inflation could impact mortgage rates in Canada. Oil prices have already surged more than 20%, and markets are reacting fast. When energy prices rise, inflation often follows, and…
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The Mortgage Renewal Strategy Banks Don’t Explain
Your mortgage is renewing, and it’s not going to feel like it did five years ago. If you locked in a 1.39% -- 1.49% mortgage, your renewal could mean a $800–$1,000 jump in monthly payments. In this episode of Make Money Count, Marcus and Justin break down how mortgage renewals really work in...
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Canada vs the U.S.: Two Rate Strategies, One Winner
In this episode of Make Money Count, we break down what’s really happening with interest rates, employment numbers, and inflation, and why Canada and the U.S. are taking completely different paths. We unpack the latest unemployment data, bond yield signals, and CPI expectations, then compare the...
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Behind the scenes of the Powell-Trump power struggle
What’s really going on with Jerome Powell, and why are global markets paying attention? In this episode of Make Money Count, we break down the growing tension between the White House and the U.S. Federal Reserve, and why this story goes far beyond political drama. From legal pressure on Fed...
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A Warning from the Bond Market?
Make Money Count is back. 🎙️ After a short break, Marcus returns with a solo deep dive into where the Canadian economy truly stands as we enter the new year—and why the next phase may depend on a careful balancing act between the Bank of Canada and the federal government. This episode goes…
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Did the Rate Cut Do Anything for Canada’s Economy?
The Bank of Canada finally cut rates — but what does that really mean for homeowners? Marcus breaks down why this rate cut isn’t as simple as it sounds, and what Canadians should prepare for next. Listen now for real talk on what’s ahead for your mortgage, inflation, and the economy.
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Canada’s Dirty Little Grocery Secret that Keeps Creeping Into CPI
In this episode, Marcus and Justin reveal what’s really keeping grocery prices high, what the Bank of Canada might do next, and how smart borrowers can use this moment to their advantage. They dig into: • Why food prices in Canada refuse to drop • How the grocery market structure keeps costs high…
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What AI Can’t Do (Yet) in Mortgages
AI is moving fast, and it’s already changing the way mortgages are handled. In this episode, Marcus dives into how AI tools like ChatGPT are analyzing mortgage scenarios, calculating penalties, and even projecting rates—but can they really replace human advisors? We discuss: How AI is disrupting...
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Canada Avoided More Tariffs… For Now!
Trump met Carney — and on the surface, nothing happened. No new tariffs, no clear trade progress… just smiles and handshakes. But while everyone focused on political optics, bond yields quietly continued to fall, signaling a major shift for Canadian homeowners and anyone locked into a high...
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Interest Rates Falling—Will Buyers Return?
Toronto’s housing market is at a crossroads. Interest rates are easing, but condo supply is piling up, and defaults are on the rise. Will prices bounce back soon, or is there more pain ahead for homeowners and investors? In this episode of Make Money Count, Marcus and Justin break down: ✔️ Why...
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Is This the Next Big Threat to the Canadian Economy?
In this episode of Make Money Count, Marcus & Justin discuss Deloitte’s latest report on the Canadian economy and share their take on what it really means for 2025–2026. From CUSMA negotiations with the U.S. to tariffs, trade uncertainty, and your mortgage options, Marcus breaks it down. - What...
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Is This the Start of More Rate Cuts for Canada?
The Bank of Canada just cut its overnight rate by 25 basis points, bringing it to 2.5%. But what does this mean for your mortgage, housing prices, and the Canadian economy? In this episode, Marcus breaks down: Why did the U.S. and Canada cut rates on the same day What’s really happening with...
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Trusting the Bank Was Their Biggest Mistake!
They thought they were consolidating debt. Instead, they lost a 0% interest loan, and the bank didn’t even tell them. In this episode of Make Money Count, Marcus and Justin break down a real-life horror story featured in The Globe and Mail, where a Canadian couple trusted their bank to help...
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Why Banks Are Terrified of This CRA Proposal
Should mortgage brokers get access to your CRA data? In this episode of Make Money Count, Marcus and Justin dive into a recent CRA roundtable that could reshape the mortgage industry in Canada. We’re talking: Income verification & fraud prevention Why the banks are NOT pushing for transparency…
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Is Consumer Confidence Cracking in Canada?
In this episode of Make Money Count, Marcus and Justin discuss the Bank of Canada’s latest reports and what they say about Canada’s economic health. Business sentiment? Still shaky. Job security? People are worried. Consumer spending? Slowing fast. With inflation staying sticky and interest rates...
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Rate Cuts Delayed Again — Here’s the Real Reason!
Why are Canadian interest rates stuck? On this Make Money Count episode, Marcus & Justin break down the latest CPI numbers and explain why the Bank of Canada isn't cutting rates soon – and what it means for your wallet. We cover: Stubborn Core Inflation: Even with overall CPI cooling, core...
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Globe and Mail Bombshell: Banks Are Driven by Profits!
Are Canadian banks giving you biased financial advice? In this episode of Make Money Count, Marcus & Justin break down a recent Globe and Mail article that reveals how big banks are pressuring their advisors to meet sales targets, often at your expense. From mutual funds with hidden commissions…
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Are Mortgage Payments Really Dropping?!
TD Bank’s latest report says mortgage payments are dropping, but is it really good news? In this episode of Make Money Count, Marcus and Justin break down what’s happening in the Canadian mortgage market. ✅ Why are payments down even with high interest rates? ✅ What does a 57% rise in Toronto...
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Is Canada Folding to Trump Again?
In this week’s episode of Make Money Count, Marcus and Justin break down the growing trade tensions between Canada and the U.S. From Trump’s unpredictable tactics at the G7 to the looming threat of tariffs, this episode explores how Canada’s economy and over 500,000 jobs could be impacted. Topics...
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Mid-Year Market Check: Did We Predict Anything Right?
In this episode of Make Money Count, Marcus and Justin revisit their bold 2024 predictions for detached homes, semis, townhouses, and condos... and compare them to what actually happened. They also break down the latest housing reports from RBC, TD, and Oxford Economics, who each have wildly...
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Top Credit Mistakes Canadians Are Making Right Now
In this episode of Make Money Count, Marcus and Justin dive into the latest Equifax report that shows credit delinquencies have hit their highest levels since 2009. Did you know 1 in 22 Canadians missed a payment in Q1 2024? Mortgage delinquencies are up 71% year over year. Cities like Toronto…
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Banks Are Hiding GIC Profits from You!
Are you settling for low returns on your GICs just because your bank said it’s the “best rate”? Think again. In this episode of Make Money Count, we’re diving deep into Guaranteed Investment Certificates (GICs) and exposing how Canada’s big banks are holding back, sometimes up to 1% less than…
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Banks Profit $1,500 per Canadian!
Your bank is making THOUSANDS off of you every year, and you probably don’t even know it. In this episode of Make Money Count, Marcus & Justin break down how Canadian banks use Net Interest Margins (NIMs), penalties, and hidden fees to quietly pull $60+ billion in profit from everyday Canadians...
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Will Canada Cut Interest Rates in July?
Will the Bank of Canada Cut Rates on July 30th? CPI is down, the economy is hurting, and the real estate market is stalling, but core inflation is still sticky. In this episode of Make Money Count, Marcus breaks down what the latest numbers mean and why a 25bps rate cut could be the signal...
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Will Canadians be affected by the U.S. Fed's hesitation?
The Federal Reserve just released its latest economic forecast—and it's not pretty. In this episode of Make Money Count, Marcus & Justin break down what the Fed's latest report means for inflation, interest rates, and your finances. From stagflation concerns in the U.S. to the surprising…
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Why Are Investors Rushing Into Real Estate Now?
In this episode of Make Money Count, we reveal 2 powerful real estate strategies that are helping investors thrive in today’s uncertain market. 🏡 Strategy 1: Flipping single-family homes under CMHC’s new $1.5M cap. 🏢 Strategy 2: Bulk buying condos at fire-sale prices from desperate developers....
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BoC Playing It Safe Again?
📢 Bank of Canada Holds Rates – What It Means for You The BoC held steady today, with no rate cuts—yet. In this video, Marcus breaks down what led to the decision, how inflation and unemployment influence policy, and why a variable-rate mortgage might still be your smartest move in today’s…
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What’s Really Holding Back Rate Cuts?
Canada’s inflation rate just dropped to 1.7% — way below the Bank of Canada’s 2% target. So… why are we still waiting for rate cuts? In this episode of Make Money Count, Marcus & Justin break down why the BoC is hesitant to cut, what this means for homeowners and investors, and what smart…
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Toronto Housing: Are We Nearing a Crash or a Comeback?
In this episode, Marcus & Justin break down the data, trends, and real-world impact of the dramatic increase in inventory, slowing buyer demand, and falling condo prices. From over 30,000 active listings to investors dumping units at below build cost, we uncover what’s going on behind the...
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Don’t Let Your Bank Trick You at Renewal Time!
Are you renewing your mortgage this year with an alternative lender like Home Trust or Community Trust? Don’t just accept their first offer—you may have better options. In this video, we break down what you should consider if: You’re self-employed and hate paperwork You want to borrow more for a...
About this show
Welcome to Make Money Count, a podcast focused on the Canadian economy, Real Estate, and your mortgage.We’d love it if you’d join us as we explore options that put dollars back into the average Canadian’s pocket. Subscribe for new episodes weekly!
Hosted by
Cannect Inc.
Categories