The Your Life! Your Terms! Show

Tom and Nick break down the strange disconnect playing out right now: Canada has slipped into a recession while AI-driven company earnings and stock markets keep soaring to new highs. They dig into why it's happening... Banks automating work that used to take hours, robots scaling faster than most people realize, and what it means for the jobs and tax base that fund the country. ---🤔 Investing in Real Estate? Let's Chat! https://form.jotform.com/242254043973254📧 Subscribe to our Weekly Newsletter - https://rockstarinnercircle.com/newsletter/🎥 Watch our Real Estate Videos - https://www.youtube.com/@rockstarinnercircleWHERE TO FOLLOW US:INSTAGRAM ► https://www.instagram.com/rockstarinnercircle/TWITTER ► https://x.com/rockstar_re

Chris built a Bitcoin community by doing something nobody else was: using golf as the on-ramp. From El Salvador with Max and Stacy to the first Bitcoin Open in Oakville, he's turning rounds of golf into lasting connections and real adoption. Check the Bitcoin Golf Open in Oakville: bitcoinsports.network---🤔 Investing in Real Estate? Let's Chat! https://form.jotform.com/242254043973254📧 Subscribe to our Weekly Newsletter - https://rockstarinnercircle.com/newsletter/🎥 Watch our Real Estate Videos - https://www.youtube.com/@rockstarinnercircleWHERE TO FOLLOW US:→ INSTAGRAM ► https://www.instagram.com/rockstarinnercircle/→ TWITTER ► https://x.com/rockstar_re

Sasha Cucuz, CEO of Greybrook, is back to unpack what's really happening in Canadian real estate... frozen transactions, stalled cap rates, and an industry waiting for confidence to return. We also dig into Greybrook's US developments and why the math works so differently south of the border. A good look at how large-scale developers are positioning in 2026.

TD just confirmed what a lot of Canadians already felt: the country's top talent is leaving, and the tax system is a big reason why. In this episode, Tom and Nick get into the brain drain numbers, why Wealthsimple settling in stablecoins is the start of Canadian banks getting bypassed entirely, and what AI agents mean for the next ten years of jobs and investing.

In this episode, Tom and Nick question whether RRSPs still make sense in a world of rising taxes, currency debasement, and longer retirements. They also discuss why owning assets may matter more than earning wages, and how AI could change careers faster than most people expect.

Joey is back to break down what’s really happening in Canada, from economic decline and digital control to real estate, media, and politics. We get into why Bitcoin matters more than ever as trust in institutions continues to fall. Joey also shares how Canadians can think about sovereignty and taking back control in a changing country.--🤔 Investing in Real Estate? Let's Chat! https://form.jotform.com/242254043973254📧 Subscribe to our Weekly Newsletter - https://rockstarinnercircle.com/newsletter/🎥 Watch our Real Estate Videos - https://www.youtube.com/@rockstarinnercircleWHERE TO FOLLOW US:→ INSTAGRAM ► https://www.instagram.com/rockstarinnercircle/→ TWITTER ► https://x.com/rockstar_re

Tom and Nick break down why Canadians feel like they’re falling behind, from money supply growth and inflation to the rising cost of everyday life. They also explore how AI could disrupt jobs, meaning, energy, and the financial system faster than most people expect. 📧 Subscribe to our Weekly Newsletter - https://rockstarinnercircle.com/newsletter/

This episode explains how first-time buyers in Ontario can utilize house hacking to reduce their monthly housing costs, sometimes by up to half or more. Anthony, Nigel, Amy & Aidan compare buying a traditional home, a condo, and a legal two-unit property, using real examples from across Ontario. Get the report here: https://rockstarinnercircle.com/freereport/

Tom and Nick Karadza break down why so many Canadians feel like they’re working harder but falling further behind. They explain how taxes, inflation, and currency debasement quietly eat away at your income and savings. And why owning scarce assets may be the only way to protect your future.

Daniel Foch is back to break down where Canada's real estate market stands in 2026.We dig into the Toronto condo market, the 1990s parallel, the mortgage renewal wall, and why Canadian banks are protected while homeowners aren't. Plus, how AI is disrupting the global economy, Canada's future, and what abundance really means when the money system is broken.

We're back with Dr. Kaitlin Link to break down the key health metrics most people overlook. From blood markers to body composition, we discuss what actually matters and how small changes can make a big impact. If you want to take control of your health instead of guessing, this is a must-listen.Check out Benchmark Proactive Health: www.mybenchmarkhealth.com

Most people think they need to do more to get ahead… but that’s exactly what’s holding them back.In this episode, we break down why focus, not hustle, is the real advantage. If you feel stuck or scattered, this will change how you approach everything.Check out Dre Baldwin: www.dreallday.com

AI is changing how fast ideas can turn into real businesses, but most people are still using it wrong. In this episode, we break down how AI is actually being used to build, launch, and grow something from scratch. And more importantly, why community, health, and real-world connection are becoming the true advantage.Check out the Bronte Harbour Classic 5k: www.bronteharbourclassic.com

Tom and Nick dig into Ontario’s HST shift, growing global tensions, and the reality behind Canada’s housing market. They explain how policy decisions are shaping outcomes, why prices aren’t correcting, and the widening gap between generations. If you’re trying to understand where this is heading and what it means for investors, you'll enjoy this chat!

The rental market has shifted and what worked before isn’t working the same way anymore. In this episode, Hart breaks down what’s actually happening in Ontario and what separates struggling landlords from the ones still winning. If you want to stay ahead in 2026, this is the playbook to follow!

Matt Cole, CEO of Strive, is on the show to break down the “Bitcoin credit” strategy. We dive into how their preferred stock ($SATA) generates yield, the capital structure behind it, and the role Bitcoin plays behind the scenes.We’ve been curious about these products for months, and this chat answers many of our questions. It’s a fascinating new way of combining Bitcoin and traditional finance.

Canada’s GDP is growing, but many Canadians don't feel the benefit.In this episode, Richard Dias breaks down the real drivers behind Canada’s economic slowdown, the growing generational divide, and how AI is disrupting the job market. The good news is that those who understand the forces shaping the economy can still find opportunities ahead!

Harold, a fertility specialist and embryologist, shares his journey from delivering babies to exploring the science of longevity and age reversal. Alongside Diane, she explains how real estate investing became a strategy to protect wealth, reduce taxes, and fund a longer, healthier life.Harlod and Diane's Recommended Books: - Lifespan – Why We Age and Why We Don’t Have To by David Sinclair, PhD- Life Force by Anthony Robbins- Longevity Guidebook by Peter Diamandis, MD- One Pot Meals (The Blue Zones Kitchen) 100 recipes to live to 100 by Dan Buettner- Successful Aging by Daniel J. Levitin (Author of This is Your Brain on Music)- The Science and Technology of Growing Young by Sergey Young

In this episode, Tom and Nick Karadza break down why the Canadian real estate market feels "stuck", the latest economic data, and where cash flow is returning to single-family homes. They also discuss how A.I. is disrupting software, jobs, and the broader system faster than most people realize.

In this episode, Scott Dedels breaks down why the traditional 60/40 portfolio may not survive the decade, why pensions won't save you, and why you must be thinking long term. We also explore how A.I. and Bitcoin together could force a complete rethink of money, markets, and the future of investing.

What if the Canadian Dream isn’t owning the house you live in… but owning your time?In this episode, we sit down with Kristy Shen and Bryce Leung, the couple behind Millennial Revolution and authors of Quit Like a Millionaire. They retired at 32 with a seven-figure portfolio, without owning their own home, and built a life centered on freedom, flexibility, and intentional investing.We dive into how they saved aggressively, why they chose not to buy in Toronto, how their investment strategy actually works, and what changed after becoming parents. Most importantly, they share practical advice for Canadians who want more control over their money and their future.This conversation isn’t just about early retirement.It’s about designing a life on your terms.

In this episode, we sit down with Eric Yakes to break down his 2026 Bitcoin Ecosystem Report and what it says about where money, banking, and the global economy are headed next.We talk about why Bitcoin is moving beyond speculation and into financial infrastructure, why the old four-year cycle may be dead, and how Bitcoin could start showing up as bank collateral sooner than most people expect.We also dig into gold, stablecoins, real estate, and what a wild 2026 economy means for investors trying to stay ahead.Find Eric on X: https://x.com/ericyakes

Every year, people jump back into the gym with good intentions and end up frustrated, stalled, or hurt. In this episode, Dan and Mike break down why most plans backfire, what actually causes nagging pain and injuries, and why “working harder” is usually the wrong move.If you want results this year, you'll love this conversation!

Marc Lafleur is back on the show, and this time he has a surprise announcement. He breaks down how a small-town Canadian founder sold a company for millions, ended up becoming a Dragon on Dragons’ Den, and what he’s seeing right now in AI, business, and the future of work.

Canada is going through a quiet reset, and most people feel it before they understand it.Alex McFadyen is on the show to break down mortgage renewals, rising costs, and shifting lifestyles, forcing Canadians to rethink where they live and how they plan for the future.Follow Alex on Instagram @themortgagepug Check out his work: getflowmortgage.ca

Tom and Nick break down what really matters heading into 2026, from interest rates and Canadian real estate to gold, AI, and Bitcoin. They talk through why holding cash feels worse than ever, how assets behave when governments keep spending, and why technology is changing the value of work faster than most people expect.

This episode breaks down the legal side of real estate that most investors miss until something goes wrong. Gerry Gatto talks through buying strategy, tenant decisions, and common legal pitfalls that can quietly derail a portfolio. They also cover estate planning, power of attorney, wills, and how real estate is handled over time and across families.Check out Gatto Law: https://gattolaw.ca/

Rock Star Member Devon Tomlinson worked in banking when his hours were cut, leaving him deep in debt and with a baby on the way. Today, he is a successful real estate investor and author who turned that financial crisis into freedom. In this episode, Devon explains how he overcame the paralyzing fear of the unknown to transform his relationship with money completely. He details his journey of leveraging home equity to build a portfolio of duplexes later in life and how shifting from a fixed mindset to a growth mindset allowed him to focus on earning a true Return on Lifestyle. Connect with DeVon or buy his book, From Setback to Success: Turning False Starts into Financial Freedom, at https://coachdevon.com/

Peter Dunworth explains why Bitcoin is still in its early stages and on track to become the global reserve currency. He breaks down the debt-loaded financial system, the collapsing collateral behind it, and why this sets the stage for Bitcoin to become the world’s strongest asset. We dig into real estate, institutions, national adoption, and the forces pushing investors toward Bitcoin. Peter also shares how he helps wealthy families safely buy, store, and pass on their Bitcoin for generations.Check out Bitcoin Advisor: https://content.thebitcoinadviser.com/tom-karadza

Chef Massimo Bruno shares his journey from Toronto’s busy kitchens back to the courtyards and coastlines of Southern Italy. He talks about food, family, culture, and the decision to rebuild his life around what mattered most. We dive into his supper clubs, his culinary tours, and the lessons he learned along the way. If you're ever in Italy, don't hesitate to reach out: www.massimobruno.com

On this episode of the YLYT Show, Tom and Nick dig into Canada’s budget, interest rates, and what all of it means for today’s real estate market. They break down the student-rental headlines and compare them to what they’re actually seeing on the streets. They also get into how quickly AI is evolving and the surprising ways it’s already helping analyze health and bloodwork. Tom also shares what his recent trip to El Salvador was like, from safety on the ground to real Bitcoin use.

Airbnb rules are tightening across Ontario, and many investors are wondering what’s next. In this episode, Mark and Kirsten Krikke join us to break down the new reality for short-term and mid-term rentals. We cover how to navigate changing regulations, attract reliable mid-term tenants, and keep properties cash-flow positive in a tougher market.They also share how to use different platforms effectively, streamline operations, build long-term guest relationships, and why mid-term rentals can still make sense. Whether you’re already hosting or just exploring this space, this episode gives you a clear picture of what’s working right now, and what’s not.

In this episode, Anthony and Aidan sit down with Tom Karadza to unpack why the old debt-driven economy is breaking—and what’s emerging to replace it.We dig into the real estate market, the growing demand for energy, whether AI is really in a bubble, and the trends we're riding during this economic shift.

Anil Patel joins Anthony to unpack how Bitcoin changes your worldview—from seeing reality clearly for the first time to understanding the deeper engineering truth behind money, time, and human progress. They cover adoption waves, mental models, humility, and the character work needed if wealth compounds. And lastly, why the next generation may not have a choice but to choose Bitcoin over real estate as the ultimate store of value. 

Ben Rabidoux is back on the show to unpack the latest data on Canadian real estate prices, rents, and what investors should expect heading into 2026.We talk about falling building permits, softening rents, Toronto condos, and the lack of single-family homes across Ontario. Ben's data is top-notch.Use code "EDGE30" for a $20 discount on Ben's monthly Canadian real estate reports: https://edgeanalytics.ca/

In this episode, we dive into Dubai’s real estate market and why investors from around the world are moving their money there.Ryan Faza and Hisham Malhas break down how Dubai built a tax-free, investor-friendly system that’s attracting global capital. We cover prices, rental returns, financing options, and what makes it appealing to investorsCheck out Revehub: https://reve.donative.in/

The Great Canadian Debasement isn’t slowing down anytime soon. In this episode, Tom and Nick break down what it means for real estate, gold, Bitcoin, and energy as we enter the new economy. They dig into the wild condo market, the Canadian economy, and how AI and computing power are reshaping everything. 

In this episode, we dive into how AI, real estate, and a broken education system are reshaping the next generation’s future.Nick shares how he’s teaching his kids about money, why Gen Z still has major opportunities to invest, and why Canada desperately needs to get its priorities straight.We end with some fun rapid-fire questions.

Richard Dias is back with us to break down why Canada is stuck in a productivity crisis.We get into everything from housing and misallocated capital to government regulation, taxes, and AI. Richard explains why Canadians feel poorer even while working harder, and what the market is telling us about mortgages, deficits, and debt. We also touch on energy, pipelines, and how Canada could unlock real growth if it tapped into its resources. It’s a raw and insightful look at where the economy is headed and what it means for everyday Canadians.Follow Richard on X: https://x.com/RichardDias_CFA

In this episode of the YLYT Show we sit down with Zhen Liang to talk about Canada’s housing market. From Toronto condo chaos to student rentals, we get into what’s really working for investors, and what’s not. We also dig into cash flow, currency debasement, and how smart investors are adapting to the new realities. If you’ve been wondering where Canadian real estate goes from here, this chat lays it all out!

On this episode of The Your Life. Your Terms. Show, we sit down with Rock Star’s longest-running coach, Leslie Kitchen. Leslie’s journey took her from the world of MLM marketing into real estate, and ultimately to building a life completely on her terms.She shares how real estate became her pension, allowing her to retire, travel more, spend quality time with the people she loves, and focus on what’s truly important. We dive into the systems she uses to make investing work, why structure is key to building lasting wealth, and how her experiences with Landmark Forum shifted her mindset and behaviours in ways that changed everything.This is part story, part strategy, and fully inspiring—whether you’re just starting your investing journey or looking for the reminder that real estate, when done right, is a vehicle to freedom.

Greybrook Realty Partners CEO Peter Politis hops on the YLYT Show to break down the wild state of Canadian real estate. Peter shares what's really going on in Canadian Real Estate, why completions will fall off a cliff after 2027, and what that means for future rents. He explains the differences between Canada and the U.S. markets, from condo sales to workforce rentals. We dive into labor shortages, overregulation, and why new supply simply can’t keep up with demand. Peter also explains Greybrook's journey, the role of big capital in shaping housing, and where he sees the smartest opportunities ahead.

The Bank of Canada and the U.S. Fed just cut interest rates.Richard Dias is back on the show to break it all down!Richard explains Canada’s productivity problem, massive debt rollover, and the risks for the loonie as capital flees.We also cover the real estate market, AI, and why money printing fuels inequality.Follow Richard on X: https://x.com/RichardDias_CFA⭐ Join 1,000+ Investors Creating Freedom and Wealth for Themselves - https://yourlifeyourtermsevent.com

Thinking about buying your first home in 2025? Whether it’s your own place, a rental property, or a house hack, this episode shows you exactly how to make it happen in today’s Canadian market. Rock Star coach Mike Desormeaux and BM Select mortgage expert Dan Patton break down the First Home Savings Account and RRSP Home Buyers’ Plan, what lenders actually look for when approving mortgages, and the most common ways Canadians are coming up with down payments through co-signers, gifted equity, and creative financing. They share their take on fixed versus variable rates, how to qualify with house hacking, why real estate in Canada continues to build wealth, and what kind of returns you can realistically expect. You’ll also hear their candid outlook on the market and predictions for the year ahead. If you want a clear, no-fluff roadmap for getting into the market in 2025, this episode delivers.

Mauricio Di Bartolomeo grew up in Venezuela, lived through hyperinflation and authoritarian rule, and saw firsthand what happens when money and freedom disappear.In this episode, he explains why people and companies are leaving Canada, the rise of stablecoins, Bitcoin-backed lending, and how a new digital financial system is forming right in front of us.Check out Ledn here: www.ledn.io/

What does it really take to build wealth and financial freedom? Lesley-Anne Scorgie—personal finance columnist at the Toronto Star, bestselling author of Rich by 30, and one of Canada’s most recognized money experts—shares her journey from buying Canada Savings Bonds at age 10 to becoming a millionaire by 28.We dig into the habits that actually move the needle, why behaviour always beats spreadsheets, and how defining your why can completely transform your relationship with money. If you’re looking for a fresh perspective on building financial security and true freedom, this is a must-listen.Follow Lesley-Anne on Instagram @lesleyscorgie and visit mevest.ca for more.

Toronto just made multiplex housing legal, and it’s changing the game for investors and homeowners. Architect Craig Race joins us to explain the new rules that allow sixplexes plus laneway or garden suites on a single lot, creating the potential for seven rental units without the need for development charges. He also shares how MLI Select financing makes these projects more profitable, why this matters for Toronto’s missing middle housing strategy, and what these changes mean for the future of real estate in the city. If you’ve been searching for answers on Toronto multiplex rules, laneway housing, or how to build multiple units on one property, this episode breaks it all down.

Bitcoin isn’t just digital gold — it’s electricity money. In this episode, Jacob Scanlan from the Hashpower Academy explains how Bitcoin and energy are inseparable, why mining creates a global buyer of last resort for electricity, and how this is reshaping civilization itself. We explore how Bitcoin and electricity price each other in sync, why mining creates a fluctuating price floor for both power and Bitcoin, the real economics of yield and where it comes from, and how waste heat from mining is already being reused to fuel homes and businesses. More than just mining, this is a story about a new foundation for money, energy, and society. This conversation will change how you see both money and the future of civilization.

Tom & Nick break down Canada’s “nothing happened” summer. M2 keeps climbing, tariffs linger, and growth on the street looks weaker than the headlines. They map the odds of BoC cuts, ARV-based mortgages that fund renos on day one, the BREAS RE + Bitcoin strategy, and a look at AI’s hit to junior jobs and how it could shape your purchasing power over the next 24 months.

In this episode, we sit down with Hanif Bayat, founder of WOWA.ca, to uncover the hidden force driving Canada’s housing crisis and growing wealth gap. We dig into the data on money supply growth, why assets soar while wages stagnate, and how CPI hides the real rate of inflation. Hanif explains why the middle class is shrinking, how government policy fuels speculative demand, and why real estate has become the go-to safe haven for capital.We also explore what these trends mean for investors, savers, and anyone trying to get ahead in today’s economy.Check out WOWA: https://wowa.ca/Hanif on X: https://x.com/HanifBayat