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- 🇨🇦CA · Investing#6830K to 100K
- Per-Episode Audience
Est. listeners per new episode within ~30 days
15K to 50K🎙 Weekly cadence·27 episodes·Last published 6mo ago - Monthly Reach
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30K to 100K🇨🇦100% - Active Followers
Loyal subscribers who consistently listen
9K to 30K
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Ep. 18 Case Conference: Pensions for Incorporated Business Owners
Dec 19, 2025
1h 49m 46s
Ep. 18: Pensions for Incorporated Business Owners
Nov 14, 2025
1h 55m 06s
Ep 17: Live at PFI 2024
Nov 15, 2024
1h 02m 11s
Ep 16: Live at IAFP 2024
Nov 8, 2024
38m 52s
Ep 15: Budget 2024: The Capital Gains Inclusion Rate
May 31, 2024
1h 43m 26s
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 12/19/25 | Ep. 18 Case Conference: Pensions for Incorporated Business Owners✨ | pensionsfinancial planning+3 | Aravind Sithamparapillai | Individual Pension PlansMulti-Employer Pension Plans+3 | Canada | pensionsCanadian business owners+3 | — | 1h 49m 46s | |
| 11/14/25 | Ep. 18: Pensions for Incorporated Business Owners✨ | pensionsincorporated business owners+5 | — | — | Canada | pensionsRRSPs+6 | — | 1h 55m 06s | |
| 11/15/24 | Ep 17: Live at PFI 2024✨ | financial independencetax efficiency+5 | — | Canadian Physician Financial Wellness Conference | — | financial planningincorporation timing+5 | — | 1h 02m 11s | |
| 11/8/24 | Ep 16: Live at IAFP 2024✨ | financial planningincorporation+4 | — | Institute for Advanced Financial Planning Conference | Gatineau | financial plannerstax brackets+4 | — | 38m 52s | |
| 5/31/24 | Ep 15: Budget 2024: The Capital Gains Inclusion Rate✨ | capital gains taxation2024 Federal Budget+4 | — | — | Canada | capital gains inclusion ratetaxable income+3 | — | 1h 43m 26s | |
| 5/3/24 | Episode 14: CPP & and EI for Business Owners✨ | Canada Pension PlanEmployment Insurance+4 | — | Canada Pension PlanEmployment Insurance | Canada | CPPEI+6 | — | 1h 28m 45s | |
| 4/26/24 | Episode 13: Optimal Compensation from a CCPC✨ | compensation strategyincome planning+3 | — | Canada Child Benefit | — | optimal compensationmental model algorithm+3 | — | 1h 42m 32s | |
| 4/19/24 | Episode 12: Paying Yourself as a Canadian Business Owner✨ | paying yourself as a business ownersalary vs dividends+5 | — | Canada Revenue AgencyCanada Pension Plan+1 | — | Canadian business ownersalary+6 | — | 1h 49m 01s | |
| 4/12/24 | Ep 10 & 11 Case Conference: Corporate Investing Puzzles✨ | corporate investingtax-efficient retirement planning+3 | — | RRSPTFSA+1 | — | corporate bloattax efficiency+5 | — | 52m 06s | |
| 4/5/24 | Episode 11: Corporate Investing Strategy✨ | corporate investingtax planning+3 | — | CDAETFs+1 | — | corporate accounttax implications+3 | — | 49m 34s | |
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| 3/29/24 | Ep 10: Investing in a Canadian Corporation | In today's episode, we delve into the complex topic of investing in Canadian corporations, something that will be deeply relevant to many of our listeners. Given the intricate interplay of investments and taxes within this context, it's crucial for corporate and business owners to grasp the fundamentals. We start off by unpacking key details of what defines a corporation, the intricacies of taxation for Canadian companies, and the nuances of passive income. Our conversation then goes on to cover tax integration, how to navigate its advantages and disadvantages, and what you can do to ensure that you avoid a large tax bump. We also break down the distinction between notional and real accounts, how they are used, tax deferrals, capital gains, and how to implement good insurance and estate planning. Today's episode covers a lot and makes for excellent reference material. Tune in today for a comprehensive breakdown of everything you need to know when it comes to investing in Canadian corporations! Key Points From This Episode: (0:01:01) Investing in Canadian corporations and why it's such a complex subject. (0:03:44) Understanding exactly what a corporation is and what a corporation isn't. (0:06:06) The main reasons for a separate operating company and a holding company. (0:08:08) Navigating liability and investment properties as a physician. (0:11:42) Taxation of active and passive investment income inside of a Canadian Controlled Private Corporation (CCPC). (0:16:06) What is considered passive income and the nuances within that. (0:20:50) Tax integration, advantages and disadvantages, and how to avoid a big tax bump. (0:23:43) Fears around the passive income limit, and why these concerns are overblown. (0:26:23) Taxation of corporate investments and why tax is a secondary consideration. (0:27:16) A breakdown of notional and real accounts and how they are used. (0:33:42) Eligible and non-eligible dividends and dividend tax. (0:43:49) Understanding unfavourable tax integration with foreign dividend income. (0:49:04) Tax deferral, capital gains, and the most valuable notional account. (0:54:09) How to implement good insurance and estate planning. (0:58:48) A review of today's content and what we'll be discussing next time. Links From Today's Episode: Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ | — | ||||||
| 3/22/24 | Ep. 9 Case Conference: Keeping the Tax Hobbits at Bay | The overarching theme of today's conversation revolves around prudent financial decision-making, including tax-efficient investing, risk assessment, and leveraging home equity for investment purposes. This acts as supplementary material for the main episode, where we take a deep dive into the nuances of tax. Join us as we look at taxation and income through the lens of common scenarios that often lead people to make poor decisions with their investments. We uncover the importance of structuring investment portfolios with tax implications in mind and venture into the realm of corporate-class bond ETFs, assessing their potential benefits and complexities. You'll gain insight into the free dividends fallacy and the benefits of high dividend yield stocks. We also unravel the strategy of leveraging home equity to defer tax and share our personal experiences and insights, along with essential criteria to determine your risk profile. Tune in as we turn dollars into sense and pave the road to a prosperous financial future! Key Points From This Episode: (0:01:32) Optimizing investment portfolio structure without relying on dividends. (0:03:33) Essential aspects of taxes on capital gains and dividends. (0:06:41) The risks of dividend-chasing strategies. (0:09:56) A case study comparing premium with discount bond tax efficiency. (0:12:26) Practical examples and steps for leveraging discount bonds effectively. (0:19:11) Income after tax between discount and premium bonds. (0:22:52) Using corporate class bond ETFs for tax deferral. (0:25:07) Another case study that demonstrates leveraging home equity to invest. (0:28:15) Risks and complexities of leverage investing. (0:33:32) The value of a clear plan and reasonable expectations regarding your risk profile. (0:36:31) Mark's experience of leverage investing. (0:40:06) How he used leverage investing to reach his financial goals. (0:47:39) Final thoughts and key takeaways. Links From Today's Episode: Rational Reminder Podcast: Professor Samuel Hartzmark — https://rationalreminder.ca/podcast/273 BlackRock — https://www.blackrock.com/ca Horizons ETFs — https://horizonsetfs.com/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ | — | ||||||
| 3/15/24 | Ep 9: Taxable Investing in Canada | In this episode, we dive deep into the world of income tax and demystify the often intimidating realm of investment taxation. Join us as we break down various forms of investment returns, from interest and dividends to capital gains and more. Discover the impact of tax integration on Canadian dividends and learn how foreign dividends can add a layer of complexity to the process. Explore the critical concept of attribution rules and understand how they influence who pays the tax bill on investment income. We delve into strategies like prescribed rate loan planning and second-generation income planning to optimize your investments over the long term. Gain essential insights into tax-loss harvesting and how to navigate superficial loss rules effectively. Plus, hear valuable tips on asset location to maximize your returns while minimizing tax implications. To gain a deeper understanding of investment taxes and enhance your financial knowledge, tune in now! Key Points From This Episode: (0:02:27) Overview of the reasons to consider a taxable investment account. (0:05:10) Mark and Ben explain the basics of taxes and investing. (0:09:27) The different types of investment income and how they're taxed. (0:12:49) Explore the problems associated with tax integration. (0:14:28) Insights into the myth of dividend investing. (0:19:36) Unpack the complexity surrounding foreign taxes and dividends. (0:23:41) Net rental income and capital gains (realized and unrealized) are explained. (0:31:05) A deep dive into a vital aspect of tax: attribution rules. (0:45:54) Leverage investing in a taxable account instead of a registered account. (0:49:04) Comparison of individual with joint investment accounts. (0:54:14) Common tax pitfalls to avoid and useful tax-reducing strategies. (0:59:42) Tax loss harvesting to reduce tax and the associated risks. (1:08:58) Closing comments and key takeaways. Links From Today's Episode: Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ | — | ||||||
| 3/8/24 | Ep.8 Case Conference: Choosing the Right Door | Today's Case Conference accompanies an episode in which we provide a detailed breakdown of the registered account types available to Canadian investors and how to utilize them. Despite their numerous potential advantages, however, there are still many people who avoid them, primarily because optimizing these can seem too complicated and overwhelming. Our hope is that today's episode will provide you with the confidence and knowledge you need to feel empowered to take the next steps in your investment journey. Tuning in, you'll hear several case studies that address common concerns, like how to avoid having a Retirement Savings Plan (RRSP) that's too big and how to navigate your RRSP and tax-free savings account (TFSA) as a high-income earner. We also get into Registered Education Savings Plans (RESPs), why group RESPs can be so predatory, how to plan your exit from a group RESP if you're already in one, and more. For relatable examples of how to use these accounts, plus the many benefits of diversifying them, listen in today! Key Points From This Episode: (0:00:58) Our first case study concerning a technology company employee with restricted share limits (RSUs) as part of their expected compensation. (0:02:02) Relevance for high-income earners and how to make decisions about RRSPs and TFSAs. (0:05:35) A case study on two physicians with a young child who want to shift their investment plan from a group RESP to an individual RESP. (0:06:59) The complexity of group RESPs, why they're predatory, and how to plan your exit. (0:12:56) Case study three: common fears of a too-big RRSP, especially for those who are incorporated. (0:15:54) How to optimally use your RRSP or Registered Retirement Income Fund (RRIF) when it comes to tax deferral, tax sheltering, and taking dividends out of your corporation. (0:17:45) Controlling the income from a corporation, paying yourself dividends, and how to ensure you aren't penalizing yourself. (0:19:09) Rational Reminder Episode 70 and key takeaways on how to avoid a too-big RRSP. (0:21:10) A rundown of the many benefits of diversifying your accounts. Links From Today's Episode: Money Scope Episode 8 — https://moneyscope.ca/episode-8-canadian-investment-accounts Rational Reminder: Episode 70 — https://rationalreminder.ca/podcast/70 Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ | — | ||||||
| 3/1/24 | Ep. 8 Canadian Investment Accounts | One of the most complex things to navigate when it comes to your personal finances is your choice of accounts and how to use them in the best way possible. In today's episode, we break down the types of accounts available to Canadian investors and how to optimize your use of each one. Tuning in, you'll learn key factors you should consider, including how tax deferral can end up being neutral, beneficial, or harmful — depending on the difference between your current and future tax rate — along with actionable advice on how to navigate these kinds of variables and uncertainty. Starting off, the conversation covers the benefits and drawbacks of tax-free savings accounts (TFSAs) and why it's one of the first accounts you should consider when investing. We then delve into a series of accounts and their characteristics, like Registered Retirement Savings Plans (RRSPs), Registered Retirement Income Funds (RRIFs), and Locked-in Retirement Accounts (LIRAs). Included is a breakdown of the newly legislated First Home Savings Account (FHSA) and how it combines features from both TFSAs and RRSPs to basically create a tax-elimination type of account. Every account has its own set of distinct rules, from contribution limits to withdrawal freedoms and flexibility. To ensure that you're up to date on all the latest, tune in for this comprehensive breakdown of everything from TFSAs to RESPs! Key Points From This Episode: (0:03:21) A breakdown of registered and non-registered accounts. (0:08:59) The benefits and drawbacks of tax-free savings accounts (TFSAs) and why it's one of the first accounts you should consider. (0:14:30) Being able to withdraw from your TFSA, why that makes it really flexible in terms of how it can be used, and how to avoid over-contribution. (0:18:48) The risks of speculating and trading in your TFSA and the perks later in life when growing a large TFSA slowly over time with more reliable returns. (0:25:41) Further nuances of investment taxation that you need to know about with TFSAs. (0:29:07) A breakdown of Registered Retirement Savings Plans (RRSPs), their main attributes, and what you need to know about contribution room and deduction limits. (0:33:47) Why tax deferral can be neutral, beneficial, or harmful, depending on the difference between your current and future tax rate. (0:36:45) Tax planning opportunities, comparing TFSAs with RRSPs, and key facts about spousal RRSPs and converting RRSPs to Registered Retirement Income Funds (RRIFs). (0:48:12) A rundown of Locked-in Retirement Accounts (LIRAs) and Life Income Funds (LIFs). (0:50:06) The advantages and disadvantages of the newly legislated First Home Savings Account (FHSA). (0:56:14) Everything you need to know about Registered Education Savings Plans (RESPs) and the Canadian Education Savings Grant (CESG). (01:09:54) How RESPs are similar to TFSAs from a tax perspective, and what happens when your child doesn't pursue a post-secondary education. (01:15:50) High-level commentary on Registered Disability Savings Plans (RDSPs). (01:17:26) What high-income Canadians need to consider when it comes to taxes, asset allocation, and tax optimization. (01:23:19) A review of today's content and what we'll be discussing next time. Links From Today's Episode: https://moneyscope.ca/episode-8-canadian-investment-accounts Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ | — | ||||||
| 2/23/24 | Intermission Episode | In this special episode of the Money Scope Podcast, we take a break from their regular content to reflect on the journey so far and engage with our audience. As we pause to catch our breath halfway through the planned core curriculum, we discuss the evolution of the podcast, share listener feedback, and offer insights into what lies ahead. We outline topics covered in the initial episodes, ranging from goal setting to investment basics, and highlight the upcoming shift towards more Canadian-focused content. We express gratitude for the enthusiastic response from our audience and discuss the impact the podcast has had on listeners' financial decision-making and life trajectories. We also share excerpts from listener reviews, address mixed opinions on certain aspects of the podcast, unpack the value of research-backed insights tailored to Canadian professionals, and much more. To uncover the future of the podcast and find out how you can help shape it, tune in now! Key Points From This Episode: Introduction and outline of the theme for today's episode. (0:00:17) Feedback, platform features, and engagement from listeners. (0:02:20) The Money Scope Podcast versus Rational Reminder. (0:06:45) Ben responds to feedback regarding his view on dividend investing. (0:07:40) Mark shares his view on dividends and factor-weighted ETFs. (0:09:30) Feedback on the podcast's theme, style, and approach. (0:11:59) Review of the mixed feedback received about the show. (0:14:59) Get a sneak peek of upcoming episodes. (0:17:30) Links From Today's Episode: The Money Scope Podcast — https://moneyscope.ca/ The Money Scope Podcast on YouTube — https://www.youtube.com/@moneyscopepod The Money Scope Podcast on Apple Podcasts — https://podcasts.apple.com/ca/podcast/the-money-scope-podcast/id1721425088 The Money Scope Podcast Email — info@moneyscope.ca Rational Reminder Community — https://community.rationalreminder.ca/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ | — | ||||||
| 2/16/24 | Ep. 7 Case Conference: Big decisions with real money | In this episode, we follow the stories of two distinct investors facing unique challenges. First, meet a plastic surgeon in the high-flying tech-driven world of 1997. With a high-risk tolerance and a flourishing practice, this surgeon believes they can conquer the market. However, as the dot-com bubble looms, they must navigate the fine line between risk and reward, teaching us vital lessons about diversification, leverage, and the challenges of the market. Next, explore the journey of a savvy business owner who sold their company at just the right time, amassing substantial cash. Cautious due to past stock market losses, this investor seeks to protect their newfound wealth. We discuss the delicate balance of risk tolerance, financial independence, and how to construct a portfolio that aligns with individual objectives. Throughout these stories, listeners will gain insights into asset allocation, the psychology of risk, and the importance of rebalancing during market turbulence. To discover principles that will help you make informed investment decisions and steer your financial future toward success, tune in today! Key Points From This Episode: (0:01:21) Case study one: a plastic surgeon with high-risk tolerance and a successful practice. (0:02:12) Why they should diversify investments and avoid excessive amounts of risk. (0:05:10) How human bias plays into decision-making in our first case study. (0:07:31) An essential lesson from our first case: know your risk tolerance. (0:11:28) Case study two: an entrepreneur who sold their business and has a significant amount of cash on hand. (0:12:13) How they should structure their portfolio to safeguard their financial health. (0:15:55) Benefits of rebalancing and why it is vital, even during a volatile market. (0:17:59) Closing comments and key takeaways. Links From Today's Episode: https://moneyscope.ca/2024/02/16/ep-7-case-conference-big-decisions-with-real-money/ Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor | — | ||||||
| 2/9/24 | Ep. 7: Portfolio Design & Management | Picture your investment portfolio as a carefully crafted puzzle and asset allocation as the key to solving it. It not only helps you navigate the treacherous waters of risk but fine-tunes your investments to harmonize perfectly with your financial dreams. In this episode, we take a deep dive into the art and science of portfolio management. Discover the intricacies of portfolio planning, execution, and maintenance as we dissect this critical aspect of wealth management. We unpack asset allocation with a focus on the stocks-to-bonds ratio, a crucial decision that balances the quest for maximum returns with the need for stability. We uncover the dangers of volatility and behavioural risks and explore strategies to safeguard your financial health. Tuning in, you'll hear how assessing your risk tolerance and automating tasks can lead to a well-crafted portfolio (and why we suggest using a portfolio manager). We also guide you through the maze of asset allocation options and the vital steps for effective portfolio maintenance. Whether you're a seasoned investor or just beginning your financial journey, this episode will equip you with the knowledge you need to navigate the complexities of portfolio management with confidence, so be sure to tune in for expert insights, practical strategies, and actionable advice that will empower you to make informed decisions about your financial health! Key Points From This Episode: (0:03:55) Portfolio planning basics, an overview of risk, and the goal of asset allocation. (0:08:07) Unpacking the concept of 'optimal portfolios' and why it is not achievable. (0:14:13) Essential asset allocation aspects, the role of human capital, and strategies to manage risk. (0:20:41) Individualized job skills and their impact on asset allocation in the broader economy. (0:24:54) How social capital plays into asset allocation from an investment standpoint. (0:28:25) Risk expected return, correlation of assets in a portfolio, and the different types of risk that should be considered. (0:36:03) Using historical returns for forecasting expected returns and the nuanced ways that behaviour drives investment decisions. (1:04:04) Applying asset allocation principles to construct a diversified, market-efficient portfolio (plus some common pitfalls to avoid). (1:19:13) Trade-offs of a less volatile portfolio and a framework for risk tolerance calculation. (1:34:45) Fundamentals of good portfolio maintenance and how to protect your investments. (1:50:36) Navigating portfolio execution errors and the portfolio pyramid. (1:56:32) Closing comments and important takeaways from the episode. Links From Today's Episode: https://moneyscope.ca/2024/02/09/episode-7-portfolio-design-management/ Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Rational Reminder Podcast Episode 100: Professor Kenneth French — https://rationalreminder.ca/podcast/100 Rational Reminder Podcast Episode 224: Professor Scott Cederburg — https://rationalreminder.ca/podcast/224 Rational Reminder Podcast Episode 258: Professor Meir Statman — https://rationalreminder.ca/podcast/258 Rational Reminder Podcast Episode 260: Professor James Choi — https://rationalreminder.ca/podcast/260 Rational Reminder Podcast Episode 262: Professor Francisco Gomes — https://rationalreminder.ca/podcast/262 Rational Reminder Podcast Episode 263: A Tribute to Harry Markowitz — https://rationalreminder.ca/podcast/263 Morningstar | 'Mind the Gap' — https://www.morningstar.com/lp/mind-the-gap 'Long-Horizon Losses in Stocks, Bonds, and Bills: Evidence from a Broad Sample of Developed Markets' — https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3964908 Vanguard Investor Questionnaire — https://investor.vanguard.com/tools-calculators/investor-questionnaire | — | ||||||
| 2/2/24 | Ep. 6 Case Conference: This Investment is Hot | After our detailed examination of the basics of investment strategy, we are now delving into some common case studies that you may encounter on your investing journey. Our studies take us through the looming recession and why it should not be a major concern for investors, the economic activity of America's response to a recession, and deciding on how much, with whom, and when you should invest your money. We also critically assess what you need to be aware of before seeking a lower-cost investment model, how to save while making donations, value versus growth, and what Ben and Mark have to say about a particular hot investment idea. Key Points From This Episode: (0:00:49) Why the looming recession has many people worried about investing. (0:01:45) How a recession affects market prices, and why this isn't a major concern. (0:02:58) America's economic behaviours in and around a recession. (0:07:13)Talking through a rationally optimal approach and an emotionally optimal approach. (0:09:08) Whether to invest it all at once or gradually enter the market. (0:11:05) Everything you need to consider if you're looking for a lower-cost model. (0:23:28) Capital gains and other tax implications to note when altering a retirement portfolio. (0:28:52) A quick look at a smarter way of making charitable donations. (0:30:06) Debunking the hot investment idea. (0:34:09) Value versus growth. Links From Today's Episode: https://moneyscope.ca/2024/02/02/ep-6-case-conference-this-investment-is-hot-or-not/ Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ PWL Capital — https://www.pwlcapital.com/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor | — | ||||||
| 1/26/24 | Ep. 6: Key Investing Concepts | Today's episode is a colonoMoneyScope as we dig deep into the basics of investment strategy. But we've already laid the foundation (in previous episodes) and the hard work is done, and we are now moving onto a necessary procedure for the preventive care of your investment portfolio. It's important to understand why we invest and why it matters in our lives, why fear and risk are not necessarily bad things, the differences between investing and gambling, and the inherently speculative nature of investments. After that, you'll learn about financial assets, the ins and outs of stocks and bonds, the efficient market hypothesis, and the two risk types that you need to understand before investing. We also discuss diversification, passive investing and active investing, the two key investment vehicles, and everything you need to know about investment costs. With the wealth of information that we cover in this episode, and with far less discomfort than the standard colonoscopy, we deem this colonoMoneyScope operation a resounding success! Key Points From This Episode: (0:03:35) Why we invest; why it's important. (0:07:16) Addressing fear and risk: a prevalent theme throughout the episode. (0:08:40) Investing versus gambling, and why it's important to know the difference. (0:12:59) Why people still choose to gamble even with the high loss probability. (0:15:18) How all investments are speculative by nature, but some more so than others. (0:21:35) Everything you need to know about financial assets. (0:31:09) The ins and outs of stocks and bonds. (0:38:26) Understanding the efficient-market hypothesis. (0:46:18) The two risks that matter for investing, and how diversification fits in. (0:50:35) A brief recap of everything we've covered so far. (0:51:21) Passive investing versus active investing, and how to pick the right fund manager. (1:02:58) Two crucial investment vehicles: mutual funds and exchange-traded funds (ETFs). (1:06:08) Taking a closer look at investment costs. (1:14:15) Our post-colonoMoneyScope briefing. Links From Today's Episode: https://moneyscope.ca/2024/01/26/episode-6-key-investing-concepts/ Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ PWL Capital — https://www.pwlcapital.com/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Angus Reid Institute | Retirement in Canada — https://angusreid.org/wp-content/uploads/2015/06/2015.05.15-Retirement.pdf 'Individual differences in susceptibility to financial bullshit' — https://www.sciencedirect.com/science/article/pii/S2214635022000193 Meir Statman on LinkedIn — https://www.linkedin.com/in/meir-statman-17967b/ 'Episode 258: Prof. Meir Statman: Financial Decisions for Normal People' — https://rationalreminder.ca/podcast/258 2022 Management Report of Fund Performance — https://www.blackrock.com/ca/investors/en/literature/annual-mrfp/mrfp-xus-en-ca.pdf | — | ||||||
| 1/19/24 | Ep. 5 Case Conference: Debt, Saving, Investing | Today's show features our first case conference supplemental episode. We've built several cases, complete with figures, to expand upon our primary episode's discussions on debt, saving, and investing. These scenarios reflect common queries and challenges we frequently encounter from our audience. While we hope you can draw parallels to your own circumstances from these cases, it's crucial to understand that this isn't personalized advice. We aren't offering specific recommendations. However, our goal is for you to find elements in these cases that resonate and assist you in navigating your own financial journey, whether independently or with a consultant. Our first case study is one that many people will be able to relate to. We focus on a recent graduate, with a substantial amount of debt, with no investments or savings, and break down how they should go about navigating their financial wealth journey. Tuning in you'll hear a breakdown of the numbers for this case study, how to build competence and a financial plan, how your tolerance for debt will influence your financial decisions, plus a whole lot more. Join us for our first in-depth case study as a supplement to our main episode! (0:00:17) Introducing our first case conference supplemental episode. (0:00:50) An overview of our first case study concerning a recent graduate with a lot of debt. (0:02:13) How to go about building competence and a plan in this scenario. (0:05:05) A breakdown of the case numbers after earning some revenue. (0:08:25) The next steps to take after shrinking debt and stabilizing cash flow when you start feeling the pressure to invest. (0:11:09) The mid-career mortgage dilemma and advice on how to manage it. (0:17:01) Guidance on taking advantage of the ability to get money out of your corporation tax efficiently. (0:20:50) The psychological effect of debt and the importance of taking this into consideration. (0:21:36) How your individual perspective should impact your financial planning decisions and the financial advisor you partner with. Links From Today's Episode: Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Money Scope Episode 5 — https://moneyscope.ca/2024/01/12/episode-5-debt-saving-investing/ Rational Reminder Episode 226: Colonel Chris Hadfield — https://rationalreminder.ca/podcast/226 Medical Student Debt Repayment in Early Practice — https://www.looniedoctor.ca/2022/12/30/medical-student-debt-repayment-2/ | — | ||||||
| 1/12/24 | Ep. 5: Debt, Saving, & Investing | Our relationship with money changes throughout our lives. While this journey will vary between individuals, there are broad trends that will apply to many of us. In today's we investigate how to navigate debt, savings, and investing at different stages of our lives and break down how these mechanisms can help you move your economic value through time. From an economic perspective, it makes sense to use debt early in life. But taking on debt can be a scary prospect, and it's important to take into account the emotional weight of debt and how it can negatively impact subjective well-being. Tuning in you'll hear valuable tips on how to approach debt in a constructive way, the distinctions between good and bad debt, and how to ensure financial resilience and cash flow security. We discuss the various approaches one can take to saving and investments and their relationship to risk, before providing a breakdown of the various account types one should consider. Our conversation also unpacks the concept of time horizons, how to balance inflation risks and investment risks, and how taxes factor in when assessing debt. We want to help you build a solid financial platform to launch from. Tune in as we discuss how debt, saving and investing can help you move your lifetime economic value through time and learn how this can empower you to live the life you want, both now and in the future! Key Points From This Episode: (0:01:03) How we typically progress through debt, saving, and investing in our lives. (0:05:54) The drawbacks and benefits of using mental accounting. (0:06:49) Financial wealth over one's life cycle and how it can differ between individuals. (0:08:45) The distinction between good and bad debt, psychologically and economically. (0:10:32) Practical tips for how to think about debt and spending constructively. (0:16:07) The importance of dealing with the emotional weight of debt. (0:21:33) How to ensure financial resilience and cash flow security, different sources of liquidity, and the risks of relying on lines of credit. (0:28:26) The psychological considerations you should take into account with debt and the benefit of having funds designated for certain purposes. (0:31:23) An overview of the relationship between savings, investments, and risk. (0:35:48) What it means to put your money into savings and a breakdown of the different account types to consider. (0:42:11) Our recommendations regarding concerns about CDIC coverage and limits. (0:47:04) Matching the financial instrument and financial product that you use with the account type. (0:50:30) The concept of time horizons and how to balance inflation risks and investment risks. (0:54:10) A rundown of how taxes factor in when assessing debt. (0:59:41) Dealing with the psychological stress of seeing your investment value fluctuate and why most people find a compromise between repaying debt and investing. Links From Today's Episode: Rational Reminder Episode 141: Hal Hershfield — https://rationalreminder.ca/podcast/141 Rational Reminder Episode 256: Prof. Hal Hershfield — https://rationalreminder.ca/podcast/256 Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ | — | ||||||
| 1/5/24 | Ep. 4 Financial Independence & Goal Setting | In this episode, we dive deep into the world of financial independence, values, and effective goal setting. Drawing from a wealth of knowledge and research, we guide listeners through a structured approach to identify their most meaningful financial goals. From the importance of enjoying the journey to setting measurable targets, we provide invaluable insights into achieving long-term financial success. Discover why financial independence is not just an end goal but a means to greater personal freedom. Learn how to articulate your core values and understand why they are the compass guiding your financial decisions. Explore a staged approach to goal setting, complete with exercises to help you identify and prioritize your goals effectively. Unearth the power of automation and why it's a game-changer in achieving your financial targets. Delve into the inevitable world of goal conflicts and gain practical strategies for resolving them while staying true to your values. Plus, uncover the science behind motivation, why enjoyable means are crucial, and the art of setting goals that are both optimistic and actionable. Don't miss this captivating episode that will empower you to take control of your financial future, align your goals with your values, and enjoy the journey along the way. Tune in now! Key Points From This Episode: (0:01:17) Unpacking the concept of financial independence and how to achieve it. (0:06:36) Common approaches to assessing your level of financial independence. (0:09:55) Discover useful resources to accurately calculate financial independence. (0:12:09) Insights into sequence risk, Registered Retirement Savings Plan, and tax liabilities. (0:15:38) The exponential growth bias and how it relates to safe withdrawal rates. (0:18:09) Mark shares how applying the FIRE concept has worked in his life. (0:23:27) Essential advice for financial independence goal-setting and decision-making. (0:27:16) Actionable steps and self-reflection questions for evaluating your core values. (0:30:55) What to do after establishing your values: goal-setting and planning. (0:36:42) The hurdles of financial planning and preparing for the unexpected. (0:41:36) Learn how goal-setting can help you along the path to the 'good life.' (0:43:00) Explore setting measurable targets for goals. (0:49:19) Balancing multiple goals and overcoming goal conflicts. (0:52:40) A summary of key takeaways from this episode. Links From Today's Episode: Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ PWL Capital - https://www.pwlcapital.com/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Money Scope - https://moneyscope.ca/ Ralph Keeney — https://ralphkeeney.com/ Give Yourself a Nudge — https://www.amazon.com/Give-Yourself-Nudge-Personal-Decisions/dp/1108715621 Goals Survey Summary — https://www.pwlcapital.com/resources/goals-survey-summary/ Rational Reminder Podcast: Episode 188 — https://rationalreminder.ca/podcast/188 Rational Reminder Podcast: Episode 223 — https://rationalreminder.ca/podcast/223 Rational Reminder Podcast: Episode 226 — https://rationalreminder.ca/podcast/226 | — | ||||||
| 12/29/23 | Ep.3 Making "Good Life" Decisions | We make countless decisions every day, from choosing what we'll have for breakfast to determining whether we have the time to take a break from our busy schedule and go for a walk. Not all decisions require the same amount of effort. And while the big decisions certainly deserve our time and attention, it can be easy to overlook how the small decisions we make every day accumulate and influence our quality of life. In today's episode, we continue our exploration of how to master your wealth and well-being by offering a collection of concrete strategies for planning your life and your finances. Tuning in you'll learn about the small but significant steps you can take to improve both your financial health and your mental health, and how they accumulate to give you greater happiness and improve your quality of life. We unpack popular financial advice, like why you should invest in experiences rather than stuff — and the one exception to this rule — along with more complex ideas, like why spending time in nature is so beneficial for us, and how you can reach a flow state in more areas of your life. Be sure to tune in as we break down our good life principles and help you navigate the many small decisions that can amount to a much greater quality of life! Key Points From This Episode: (0:01:39) Good life principles and actionable strategies for planning your life and finances: how deliberate, small decisions accumulate and influence your quality of life. (0:03:40) Why you should choose experiences over stuff — unless it facilitates experiences. (0:09:11) Tips on maximizing your time and avoiding distractions with the 'times left' exercise and how to pay attention to detail when forecasting future happiness. (0:17:31) The value of reflecting on what you're grateful for and learning to be more mindful of small, everyday joys. (0:19:02) Prioritizing time over money and what prevents people from doing this. (0:21:35) The rule of adaptation and why spending time in nature is so beneficial for us. (0:23:54) What you can do to improve the way you commute. (0:26:36) Limits we have on our time and bundling good habits to be more time efficient. (0:30:27) Finding flow states in your life, your work and at home; how this improves resilience, satisfaction, and happiness. (0:37:20) The importance of relationships and engaging in prosocial behaviours. (0:38:56) Decision policies: what they are, how to set them, and why they're so helpful. (0:41:03) How knowing your values can help you in your decision-making. (0:42:03) Using regret to your advantage, and how to 'satisfice' on small decisions rather than trying to maximize them. (0:47:10) Goal setting, and the satisfaction we get from pursuing goals. (0:48:50) A quick recap of key principles discussed today. Links From Today's Episode: Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ PWL Capital - https://www.pwlcapital.com/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Money Scope - https://moneyscope.ca/ Give Yourself a Nudge: Helping Smart People Make Smarter Personal and Business Decisions — https://www.amazon.com/Give-Yourself-Nudge-Personal-Decisions/dp/1108715621 Episode 238: Ralph Keeney — https://rationalreminder.ca/podcast/238 Episode 226: Colonel Chris Hadfield — https://rationalreminder.ca/podcast/226 Episode 222: Cassie Holmes — https://rationalreminder.ca/podcast/222 Happier Hour: How to Beat Distraction, Expand Your Time, and Focus on What Matters Most — https://www.cassiemholmes.com/happierhour | — | ||||||
| 12/22/23 | Ep.2 Avoiding "The Good Life" Traps | Have you ever found yourself caught up in the pursuit of material possessions, believing they will bring you happiness? Or perhaps you've been lured into working excessively, thinking that the more you earn, the happier you'll be? In this conversation, we expand on the concepts covered in the previous episode and dive deep into money-happiness traps and how they lead to unexpected consequences, like mounting debt, burnout, and even strained relationships. We discuss the power of social comparison and how it can affect our financial decisions and overall well-being, and unpack seminal research to help you understand the complex relationship between money and happiness. We also explore the balance between work and personal life, aligning spending with your core values, and thought-provoking questions to reflect on your financial journey and happiness goals. Join us as we navigate the complex relationship between money and happiness and uncover the path to reaching your financial goals! Key Points From This Episode: (0:01:06) Temptations that distract people from their financial goals. (0:03:48) The two sides of the money-happiness trap: spending and earning bait. (0:08:11) Why more money doesn't always lead to more happiness. (0:16:18) Insights into the social comparison trap and its impact on well-being. (0:20:29) Key takeaways and actionable steps for achieving your financial goals. (0:23:17) Self-reflection on values, purchases, regrets, identity, and life purpose. Links From Today's Episode: Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/ Benjamin on X — https://twitter.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ PWL Capital - https://www.pwlcapital.com/ Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://twitter.com/LoonieDoctor Money Scope - https://moneyscope.ca/ 'High income improves evaluation of life but not emotional well-being' — https://pubmed.ncbi.nlm.nih.gov/20823223/ 'World Happiness Report 2018' — https://s3.amazonaws.com/happiness-report/2018/WHR_web.pdf 'Experienced well-being rises with income, even above $75,000 per year' — https://wpa.wharton.upenn.edu/wp-content/uploads/2021/01/Experienced-Well-Being-Rises-with-Income-January-2021.pdf | — | ||||||
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