The Your Life! Your Terms! Show (Tom and Nick Karadza)

In this episode of The Your Life. Your Terms. Show, we sit down with Mike Dougherty, founder of Wild Meadows Farm, to discuss his inspiring journey of quitting his corporate job to start a regenerative farming business. With distribution across Southern Ontario and an eCommerce storefront, Mike shares his passion for raising healthy animals and how it impacts both personal health and the world. We dive into the economics of family farming versus large-scale commercial farms, why supporting small farmers is so crucial, and much more. Tune in for a conversation on the importance of sustainable farming and an inspiring story of building a life on your own terms. Learn more about Mike’s farm at wildmeadowsfarm.ca

In this episode of The Your Life. Your Terms. Show, we sit down with Canadian Real Estate Investor podcast co-host Daniel Foch to break down the biggest real estate opportunities in Canada today. We discuss the "missing middle," infill development, how to outcompete big condo developers, and why municipalities are making it easier to build. Daniel also shares strategies for young investors, when it’s better to rent vs. own, and his outlook on the market over the next three years.

Daniel is hosting a full-day event on February 21st about building missing middle housing in Canada. Get 25% off your ticket here with promo code realist025.

Ian and Stevie Folkes began their real estate journey in their 40s as busy parents of four, struggling to save after covering the bills. Over the years, they’ve built and managed an impressive portfolio, including rent-to-owns, student rentals, long-term holds, cottages, and even a Costa Rica vacation property. While they’ve sold many properties, their experience spans multiple strategies that have transformed their financial future and inspired their kids. In this episode, they share lessons from their 16+ years as Rock Star members, how they’ve built a pension through real estate, and their journey of turning dreams into action.

On this episode of The Your Life! Your Terms! Show we chat with Tomer Strolight about Bitcoin and how it's become a trustless system for a more just world.  You can find Tomer's amazing, in-depth, thought-provoking articles on Medium: https://tomerstrolight.medium.com/deep-takes-on-bitcoin-e210b861c01b and on Bitcoin Magazine's website here: https://bitcoinmagazine.com/authors/tomer-strolight . You can follow Tomer on X @TomerStrolight

If you’ve ever felt like life is getting harder no matter how much you work, you’re not imagining it—and you’re not alone.

In this episode, Anthony sits down with Joe Bryan, creator of the viral video 'What's The Problem' to unpack the real reason everything feels broken—from housing and inflation to burnout and political division. Joe explains how a broken money system is quietly rigging the game, distorting every part of your life… and what you can do to escape it.

This isn’t a conspiracy. It’s reality—explained in a clear, logical way that will change how you see the world, your future, and your money.

Whether you’ve never thought about Bitcoin before or you're just trying to make sense of why things feel so off, this conversation will give you the clarity you’ve been looking for.

 Watch Joe’s video: satsvsfiat.com
 Follow Joe on X: @SatMoJoe

From growing up in a real estate-investing family to building a career in mortgages and financing, Lorenzo Podda has seen it all. 

In this episode, we dive into his journey—from tagging along on rental property visits as a kid to launching his own student rental business in university, and eventually joining one of Canada’s top mortgage brokerages.

Lorenzo shares the lessons he learned about hard work, investing, and navigating the mortgage industry, plus his take on today’s real estate market, private lending, and what it really takes to get ahead. Enjoy!

In this episode of The Your Life! Your Terms! Show, we chat with Nathan Fitzsimmons, founder of The Bitcoin Mentor, about how Bitcoin restores hope, optimism, and long-term thinking while challenging the fiat system’s nihilism.

We cover real estate fundamentals, combining Bitcoin and real estate, the decline in first-world living standards, Canadian taxes, and the world’s biggest financial scam. Can Canada grow out of its economic mess? Tune in for a fresh perspective on living life on your terms!

Sonja Skye’s journey is nothing short of inspirational. As a single mother of three young daughters, she was faced with overwhelming challenges but refused to give up.

On this episode of The Your Life Your Terms Show, Sonja shares her incredible transformation—from discovering real estate investing and joining Rock Star as a member to building a portfolio of cash-flowing properties with rent-to-own and student rental strategies.

Now a Rock Star coach, she empowers others to achieve their goals while creating the freedom to support her daughters and explore the world with them. If you’re seeking motivation to rewrite your life story, this episode is for you!

From walking into a boxing gym at 17 to winning the Canadian Super Middleweight title, John Michael Bianco shares his inspiring rise through amateur and pro boxing. We chat about his early losses, training mindset, fighting for Team Canada, managing full-time work with full-time fighting—and why mindset, recovery, and a good team matter more than ever. Also: water loading, rice cakes, fight week routines, and wild moments in the ring. Let’s go!

Follow JM on Instagram: @RealJMBBoxing 

Matt James has one of the most creative and inspiring real estate journeys we’ve ever heard. In this episode, he shares how he started investing, snowballed his portfolio by house hacking and buying multiple homes on a single street in Orangeville, launched his own HVAC company, and eventually became a licensed realtor and real estate coach with the Rock Star team.

Now, at just 33 years old, Matt’s built multiple income streams, exited the 9–5 world, and is expanding into Florida real estate, long-term rentals, and Airbnbs. He even shares a unique opportunity to add fully builder-financed garden suites to his properties—something we haven’t heard anyone else doing.

This episode is packed with lessons in hustle, grit, and strategy—and it’s especially powerful for millennials looking to get creative and build wealth on their terms.

Contact Matt at Matt@RockStarBrokerage.com or https://www.instagram.com/mattsjames/

On this episode of The Your Life! Your Terms! Show Tom & Nick sit down to take a look at what's happening in the economy, and how U.S. tariffs could/will impact Canadians. Plus, they break down the Bitcoin Real Asset Strategy "BREAS".

This is just a taste of what we'll be covering on April 12 at The Your Life. Your Terms. Event. Full event details and tickets are available at https://www.yourlifeyourtermsevent.com/

In this episode, we bring our team member Tim Hong to talk about his journey in business and how he is focused on building his Property Management Company - KTProperty.ca

In this episode of The Your Life! Your Terms! Show, we chat with Douglas Hoyes a licensed Insolvency Trustee.

He's been working with Canadians who are restructuring debt for decades and has seen multiple economic cycles good and bad.  We wanted to check in on what he's seeing these days, how Canadians are navigating the current economy and some common financial traps people can fall into. 

Welcome to Rock Star LIVE: Episode 1!
Join us for the debut episode of Rock Star Live, where we dive into all things real estate, investing, Canada, and living life on your terms. 
In today's episode, we go over Canadian interest rate predictions, the latest Ontario real estate data, Trump, the Canadian dollar and Bitcoin!

Credit to Ben Rabidoux for some of the charts shown. His work is top-notch. You can find his work here: https://edgeanalytics.ca/

In the episode, Tom sits down with Joey (@JoeyTweeets on X) to talk about Canada’s new Prime Minister, trade wars, Bitaxes, and why the future might just belong to the plebs.

They cover everything from the Canadian dollar to building a decentralized future—and yes, someone literally dropped off ribeye steaks mid-podcast.

It's always fiery and fun with Joey!

Sean is a portfolio manager focused on the Warren Buffet principles of value investing.  We discuss his capital allocation approach, what inflation really means, how technology is changing the investment game & what he thinks the biggest thing which separates the financial position of Canadians is.  He's had a track record of success for his clients so it was interesting to get his thoughts and the reasoning behind them.

Sean Moir, CIM

Portfolio Manager

Mandeville Private Client Inc.

Disclaimer: Mandeville Private Client Inc. is regulated by Canadian Investment Regulatory Organization and a member of the Canadian Investor Protection Fund.

The Your Life. Your Terms. Event. is happening on April 12. Full event details and tickets are available at https://www.yourlifeyourtermsevent.com/

In this episode, we’re joined by @HodlDee from CoinKite, the makers of the popular Coldcard hardware wallets, to explore how to secure your financial freedom using Bitcoin properly. We dive into the importance of self-custody, why CoinKite wallets are a safer alternative to devices like Ledger, and the best practices for buying and securely storing your Bitcoin.

We also discuss how adopting Bitcoin can change your behaviour, foster patience, reduce stress, and reshape your mindset around wealth and time. If financial freedom is your goal, this episode will provide the tools and insights to help you achieve it.

 Use promo code 'YLYT' on CoinKite.com to get 5% off a Coldcard wallet.
 Follow Dee on X (formerly Twitter) @HodlDee.

In this episode of The Your Life. Your Terms. Show, we sit down with Robin Valadares from Financially Fulfilled Physio to discuss why financial education is crucial for physiotherapists and other private healthcare workers. Robin shares his step-by-step approach to guiding clients toward financial freedom and independence. We also explore the current issues in our educational and financial systems and practical solutions to help healthcare professionals thrive. Tune in for an eye-opening conversation on building a stronger financial foundation in the healthcare world.

On this episode of The Your Life. Your Terms. Show, Lyn Alden is back to break down what’s really happening with inflation, global trade, the U.S. debt spiral—and how it all impacts Canada.

We dig into tariffs, GDP, AI, and why the current system is broken, plus where things might be headed next.

Carlos Rodrigues is an experienced real estate investor from Canada who now focuses exclusively on the U.S. market, Cleveland specifically.  On this episode of the Your Life! Your Terms! Show we go through his journey, lessons learned, successes and more.  He occasionally does small tours with investors down into Ohio to share what he's learned.  You can find Carlo on Instagram @CashFlowCarlos, on Facebook at CashFlowCarlosOfficial and on TikTok @CashFlowCarlos 

In this episode of The Your Life! Your Terms! Show, Tom and Nick Karadza dive into the current state of Canada—from the upcoming federal election to what’s really happening with the economy. They unpack key trends, share insights on government spending, interest rates, and inflation, and break down what all of it means for Canadian real estate investors. If you’re wondering where the market is headed and how to position yourself moving forward, this is the episode you don't want to miss.

On this episode of The Your Life! Your Terms! Show Jaime Leverton, CEO of Hut8 Mining Corp, visits to share her story and the exciting opportunity in Bitcoin mining. Hut8 is a world leader in Bitcoin mining and they hodl quite a lot of it as well! Greg Foss also joins us to chat about the amazing developments in remote energy production and what Validus Power Corp is doing in this area. We chat mining, money, banking, Bitcoin and even dabble into the future of finance. Jaime's story is inspiring and it seems to us that her entire journey has set her up to be the perfect CEO for Hut8. You can find Jaime on Twitter @JaimeLeverton and Greg Foss on Twitter @FossGregFoss

Justin and Nibin are following their own path and expressing their unique entrepreneurial gifts through Maker Watch Company. We strongly believe that the world is a better place when each of us are marching to our own beat. On this episode of The Your Life! Your Terms! Show, we learn all about Maker Watch Company, the amazing, story-telling watches and learn how the business got started. Justin and Nibin share their challenges, their successes, and how they navigated some tricky waters over the last 12 months. We're excited to share their story and they graciously offered anyone listening a 10% discount for their in-stock, beautiful, hand-crafted watches. Use the code ROCKSTAR10 and visit their site at www.MakerWatchCompany.com

Mauricio Di Bartolomeo joins us on this episode of the Your Life! Your Terms! Show to share his story from Venezuela to business school at Western University and now to co-founding Ledn. Ledn is a Bitcoin and Crypto financial institution based out of Toronto, Canada. They offer savings accounts with astonishingly high interest rates and the ability to borrow. On this episode, we learn more about Mauricio's story and discuss the different services that Ledn offers. We had no idea some of what Ledn is doing was available to us. The future of finance is exciting and it is already here! You can check them out at www.Ledn.io

Andrew Arklie has gone from stopping pucks as a goalie to scoring goals with his real estate properties. But it hasn't come easy. He has battled hard to build his portfolio of properties and earned everything that has come his way. On this episode of The Your Life! Your Terms! Show Andrew shares his adventures with student rentals, duplexes, rent-to-owns and more. He is now actively in business development with Reid's Heritage Properties and you can learn more about Reid's at www.reidsproperties.com

Property Management is not an easy game but somehow Orangelist is pulling it off and doing it right. On this episode of The Your Life! Your Terms! Show we chat with Eric Cleary to get the latest on rents from Niagara to Hamiton, catch up on the trends he's seeing in the market and talk all things property management. We have referred clients to Orangelist for years and fully expected them to break under the pressure but they have withstood the test of time. You can check them out at www.Orangelist.com

Ali from the famous Tahinis Restaurants stopped in to chat about life, business building, Egypt, Bitcoin and starting over as a family in Canada. If you follow Bitocin Twitter then you have stumbled upon him for sure @TheRealTahinis. He made a huge splash by announcing to the world that together with his partners they put their business Treasury 100% into Bitcoin. Ali is wise beyond his years and on this episode, you discover how fortunate we are in this area of the world to attract such amazing, hard-working families. We're huge fans. They have locations in London, Whitby and soon in Etobicoke, Oakville and Hamilton! You can learn more about them at www.Tahinis.com and you can find Ali on Twitter @TheRealTahinis.

Fadi Dawood and Matt Wilson are fearless. They clearly had a lot of courage to get started investing in their early 20's and survive all the madness that comes along with buying income properties. They survived the journey and now in their 30's are willing to share what they have learned. We are so pumped and grateful to be able to work with such amazing people like Fadi and Matt, both long-time Rock Star Inner Circle members. And we feel strangely proud when busy people like themselves take the time to open up and talk about what they've been through so that others may learn from them. You can track them both down on LinkedIN if you'd like to reach out.

Daniel Prince has a fascinating story. He walked away from a career to explore living life on exactly his terms. Together with his wife and four children, they began travelling the world and world schooling their children along the way. On this episode of The Your Life! Your Terms! Show we chat about his book, Choose Life: The Tools, Tricks & Hacks of Long Term Family Travellers, World Schoolers and Digital Nomads. We also get into how he started his Once Bitten Podcast and what role Bitcoin now plays in his life. You can connect with Daniel on Twitter @princey1976 and find a copy of his book on Amazon.ca and learn more about him at www.Once-Bitten.com. Enjoy the Show!

Jesse Berger is back on The Your Life! Your Terms! Show to chat about his latest work. He has put an article together breaking down what happened to Adam Skelly and his Adamson Barbeque restaurant when the police shut him down. Embarrassingly we are not well versed in the Charter of Rights here in Canada at all so Jesse shares his research on what should have happened, how things could have been handled and how judges in Ontario and British Columbia are ruling and commenting. Fascinating stuff and we encourage this open type of discussion. You find Jesse Berger on Twitter @jayberjay and his full article is here: https://jesse-b-berger.medium.com/risk-it-for-the-brisket-edb282b1e245

David Meulensteen and John-Michael Weber are two amazing brothers who join us to chat about David's book, It's Time: A Beginner's Guide to Freedom. This is an incredible read for anyone looking to change their life. David covers finances, life stages, school, risks and condenses a truly incredible amount of useful knowledge into a densely packed gem of a read. We also dive into real estate, Bitcoin, the economy, business building and John-Michael's business SuperiorMemorials.com . You can reach David on Twitter @Muely77 and he's a Realtor in Listowel, Ontario. The book is available on Amazon.ca: https://www.amazon.ca/ITS-TIME-beginners-guide-freedom/dp/B08DSWPSBS

It's easy to dismiss the madness of markets, interest rates, inflation and money. But that would be short-sighted. There is so much going on right now with the current PetroDollar system that we would all be wise to pay very close attention to. On this episode of The Your Life! Your Terms! Show we share what we're seeing in the local real estate market, Canadian debt levels, interest rate trends and we of course dive into Bitcoin and what represents true real economic value. Enjoy the show!!

Dr. Jeff Perron is a clinical psychologist and is back to break down our thinking, beliefs, and how they affect our behaviours. We also dive into how to handle quarantine fatigue, how to identify your core values, and strategies for changing the ones you don't like! We also get into the economy, real estate, and Dr. Jeff does a quick informal analysis of some of Tom's own values. We feel very grateful and honoured to have Canadians like Dr. Jeff come on The Your Life! Your Terms! Show and share his knowledge and expertise with us! You can find him on LinkedIn at this URL: https://www.linkedin.com/in/perronjeff/

Kelly Hawkes is a Senior Paralegal who has 10+ years of experience working with the Tenant Board and representing landlords. She also has 10+ years of Property Management experience so she's seen almost everything at this point. On this episode of The Your Life! Your Terms! Show, we get updates on where the Tenant Board is at with booking hearings, the online hearing process and the importance of rent mediation during these times. You can reach out to Kelly Hawkes via her website at www.KHParalegal.com

We have watched Paul and Andrew build their own portfolios, build property, buy Caribbean island homes and create cash flow with hundreds of investors for a decade now. On this episode of The Your Life! Your Terms! Show we catch up on their latest thinking around real estate, life, and living life on your own terms. These are two millennials who refuse to take no for an answer and continue to carve out their own path in life. Enjoy the show!!

We always think we're overinsured. So when someone comes to us with another insurance product we automatically run, it's a natural reaction. But after reading Be The Bank, by Darren Mitchell, we realized we had been missing an interesting opportunity. On this episode of The Your Life! Your Terms! Show Darren explains how you can use life insurance to multiply your savings, your investing and grow your returns in ways we literally did not that were possible. You can learn more about Darren and his strategies by visiting www.ControlandCompound.com/rockstar

Marko Radosevic joins us to discuss Bitcoin and cryptocurrencies. Bitcoin is a huge topic and recently we're all getting more and more questions around how to buy it, what it is and why anyone should pay attention to it. We break down some of the higher-level concepts that changed our thinking completely on it. We went from dismissing Bitcoin a few years ago to being huge believers, fans and we even run a full Bitcoin node here at the Rock Star offices. On this episode of The Your Life! Your Terms! Show we do our best to explore the massive world of Bitcoin, enjoy!

Jay Shaw runs Welcome Home Property Management and teaches a property management class here at Rock Star. He's a veteran and shares all sorts of tips on screening strategies, why maintenance requests are critical to your success as a landlord, rent trends and more. He covers the Hamilton to Niagara region and is launching a new service for investor landlords who want to handle tenant placement and rent collection but outsource maintenance requests. You can learn more about that at www.NoMoreCalls.ca and www.WelcomeHomePM.ca

Joe Glube is an incredible individual. The fact that he is so willing to share his difficult journey through addiction with others is incredible. He's doing it with the hope that perhaps someone, somewhere may use this to find the help they need or help someone else find the help they need. On this episode of The Your Life! Your Terms! Show Joe breaks down exactly when he decided to get help, the power of your self-talk and why taking personal responsibility for his own life changed everything. We are honoured to share this episode with you and we are grateful to call Joe a good friend.

It's rare that we meet an accountant with such passion for overhauling the tax system. In fact, Neal Winokur has so much enthusiasm for this that he wrote a whole book on the subject, titled, The Grumpy Accountant: One Fed-Up Tax Pro's Practical Plan to Fix Canada's Senselessly Complicated Tax System. We have a high-level discussion on the system here in Canada and get Neal's latest thoughts on the Federal budget that was recently announced. You can learn more about Neal and find his book at www.GrumpyAccountant.ca

On this episode of The Your Life! Your Terms! Show we bring on an old friend, Todd O'Donnell, to chat about life, business and following your own path. Todd has built a great business with Desjardins Insurance with multiple locations in Cambridge and Guelph. He has been insuring real estate investors for years all across the GTA and Ontario and we discuss some of the insurance "red flags" to watch out for when buying a property firm (with no inspection). You can find Todd at www.InsuranceTodd.com

Greg Foss is back on The Your Life! Your Terms! Show and that always means a good time! We chat about what he's seeing in the fixed income space, how Bitcoin energy usage is completely misunderstood, and the flow of Wall Street money. Greg also shares real-use cases for Bitcoin that we had not considered and we get an update on his debt/GDP math! You can learn more about Greg and his 32 years of High Yield Bond Trading experience via his paper available at www.RockStarInnerCircle.com/Foss or on Twitter @fossgregfoss

Ben Rabidoux does an excellent job of pulling Canadian economic data and separating signal from noise. On this episode of The Your Life! Your Terms! Show we get Ben's thoughts on housing, the economy, debt levels, interest rates, population trends, housing supply and a lot more. We absolutely love this stuff and Ben is one of the few in Canada who filter through avalanches of information to provide great insights. You can learn more about Ben's new real estate market intelligence service at www.EdgeAnalytics.ca and you can find him on Twitter @BenRabidoux

Ben Perrin, also known as BTC Sessions, puts together some of the best Bitcoin educational content that we've come across. His YouTube channel (https://www.youtube.com/btcsessions) is full of wonderful content that covers everything from wallets, to nodes, to setting up lightning channels. On this episode of The Your Life! Your Terms! Show Ben destroys some of the current Bitcoin FUD around energy usage, Chinese mining and Bitcoin transaction speeds. We also dive into why you may want to consider running your own node and eventually why you may want to offer some Lightning Channel liquidity to the world. You can find Ben on Twitter @BTCSessions where he's always helpful and super active.

Connor Eagleson is taking control of his life and living on his terms! This 28-year-old quit his job for a better path, is devouring good books, investing in himself and investing in real estate! He mentioned that changing the people he has been hanging around for more like-minded, positive individuals has been a game-changer ... and we could not agree more. Together with his fiancé Maggie they are hustling in the most positive way and we know that their future is as bright as they want to make it. If you know any young Millenials looking to change things up please share this episode of The Your Life! Your Terms! Show.

John Paul McDonald is an accountant and partner at his firm, Campanella McDonald LLP (cmllp.com).  He has a ton of experience working with real estate investors and small business owners to structure their investments in a tax-efficient manner.  On this episode of The Your Life! Your Terms! Show we dive into tax brackets, depreciation, when to use corporations and when not to for your real estate and more.  They are launching a new podcast, Smarten Up, and you can find the first episodes on their YouTube channel.

Aaron and Thomas are the type of young Canadians that make us excited for the future. They are independent thinkers, invest in themselves, work in their family JustJunk.com business with their father and have a great outlook on life. On this episode of The Your Life! Your Terms! Show we discuss the books they've read, why they decided to buy income property, their thoughts on life, school, their future and more. You can find Thomas on TikTok at JustJunkToronto and if you book a junk removal in the southern Toronto area, who knows, you may cross paths with these two awesome brothers. Enjoy the show!

Tim Hong was a Rock Star Inner Circle Member and investing in income properties before deciding to quit his job and dive into the world of real estate full time. Not only did he join Rock Star Real Estate but he has gone on to create multiple streams of income and managed to sell one of his side hustle income streams to another business. We're super proud to share Tim's journey on this episode of The Your Life! Your Terms! Show. You can find Tim at www.TimHong.ca

We get slightly obsessed with the Canadian economy, interest rates, debt levels, real estate trends and our money system. On this episode of The Your Life! Your Terms! Show we dive into all of it. We break down some math and look at the trends that are driving real estate prices this year and beyond. We expect big challenges over the next few years and our Bank of Canada and central banks around the world are going to play a larger role in all our lives than most people are prepared for. Enjoy the show!!

Trish Wood is a self-described libertarian in her head but a champion of the working class in her heart. She is an ex-CBC journalist, was one of the hosts of the Emmy Award-winning show, The Fifth Estate, for a decade and has a lifelong curiosity that drives her. Today she is the host of the podcast, Trish Wood is Critical, and fearlessly shares her views, challenges mainstream thinking and interviews amazing guests on her podcast. You can learn more about Trish and support her work by visiting www.TrishWoodPodcast.com

Rob Minton marches to his own drumbeat and we love him for it. He's a friend, a mentor of ours and was instrumental in helping guide the early days of Rock Star Real Estate. Today he shares his thinking and investing ideas via his Cashflownaire.com membership. On this episode of The Your Life! Your Terms! Show we chat Ohio real estate, appreciation trends, principles to live by and the value of creating multiple streams of income. You can get a free copy of Rob's books The Cash Flow Plan at www.Cashflownaire.com

On this episode of The Your Life! Your Terms! Show we sit down with Anthony Molinaro, membership coordinator here at Rock Star, and my son, Aidan Karadza. Over lunch, we've been having discussions on life, business building, investing, real estate prices, the real cost of capital, Bitcoin, the crypto space and more. So we decided to sit down and record one of these discussions where they toss some questions my way and I do my best to answer. Really enjoyed this chat and hope you do as well!

Michael Dominguez decided that he had not been meeting his life's goals and changed careers at the age of 40. He dove into the world of real estate and real estate investing and learned many lessons the hard way - from experience! He has written a new book, Armchair Real Estate Millionaire, and is sharing what he has learned with new and experienced investors by documenting his own journey. Michael is living life on his terms and we love it! You can learn more about Michael and his book by visiting: www.armchairrealestatemillionaire.com

Mary-Anne and David don't let anything stop them. When they decided to get into real estate investing they jumped in with both feet. On this episode of The Your Life! Your Terms! Show they share their story, why they chose to journey from Toronto to St. Catharines to buy, how they handled renovations, rents their seeing and more. And Rock Star team member, Erika Spencer, joins in to share where she's investing now and the rents she is seeing on vacation properties in Ontario. Enjoy the episode!

Charles Li is an amazing person and has an almost unbelievable story. He was born in China, moved to Japan when he was three years old and left to attend high school in Canada. His story reminds us of how many opportunities we have in this area of the world. Charles felt trapped in the corporate 9-5 grind and began listening to podcasts which gave him the idea that there is more possible for him. Today he works with real estate investors across the GTA and the entire Golden Horseshoe. You can learn more about Charles and contact him via his website at www.Charlli.com

Having your own cash-flowing business is like owning your own fruit tree. It takes a LOT of time and effort to get it to produce a harvest but once it does nothing tastes sweeter! On this episode of The Your Life! Your Terms! Show, we break down some of the tactics, strategies, principles and thinking that have helped us over the years. Rock Star went from zero to seven and now eight figures using the strategies we're sharing here. Enjoy the episode!

Mario Cesareo and Vince Belmonte are childhood buddies who are now both venturing into the world of real estate investing. We chat about investing in St. Catharines, rents, price points and why both Mario and Vince choose to buy investment real estate. We also chat about baseball, the best tomato sauce in all of Toronto (fusaros.com), why TFC's Sebastian Giovinco was amazing, Tequila, Bitcoin vs. Altcoins and more! Buckle up and enjoy the show!

We're all waiting and wondering what will happen with regulations and tax rules here in Canada around Bitcoin and the Crypto space. On this episode of The Your Life! Your Terms! Show, we sit down with Fabio Campanella to get his views on how the CRA is looking at this space and where we may be headed in the near term. Whether you're "hodling" Bitcoin or trading altcoins it's a good idea to have a sense of where CRA is at with all this stuff! You can reach Fabio Campanella at https://www.cmllp.com/contact/.

Craig Ballantyne is one of the unstoppable people in the world. He just gets stuff done and we love watching his journey unfold. He is the author of the amazing book, The Perfect Week Formula, which has densely packed the best time management and productivity strategies into an easy read. On this episode of The Your Life! Your Terms! Show, we catch up with Craig to chat marriage, time management, kids, life and more. Enjoy the show! You can find Craig on Instagram @realcraigballantyne

John Paul McDonald popped by to chat and on this episode of The Your Life! Your Terms! Show we jump into the real estate platforms of the different Canadian political parties. A quick look at some of the numbers they're sharing gets pretty interesting really fast. John Paul is an accountant who works with real estate investors, small business owners and individuals looking for professional tax assistance. You can learn more about John Paul and his firm at www.CMLLP.com

Kelly Hawkes knows her stuff when it comes to the Ontario Tenancy Act. On this episode of The Your Life! Your Terms! Show, we dive into the Bill 184 changes that are now in effect, we do a rapid-fire Q&A session and cover some details around the Ontario Standard Lease agreement. Kelly has been an amazing resource for us and we're always grateful to share some time together. You can learn more about Kelly at www.KHParalegal.com

Dave Butler & Dan Patton have worked with thousands of investors to help them with their financing and mortgage needs. On this episode of The Your Life! Your Terms! Show we pick their brains on updates around financing, interest rates, banking backlogs and more. We also pull up the winning real estate election platform and go through it together. If you want to reach out to them you can find BMSelect Mortgages at www.BMSelect.ca

Dylan LeClair (@DylanLeClair_ on Twitter) is living life on exactly his terms. He's 20-years old and skipped college to go directly down the money, Bitcoin and global macroeconomics rabbit hole. He articulates Bitcoin's value propositions extremely clearly, outlines the historic role of banking beautifully and does some intense work in the new field of on-chain analytics. On this episode of The Your Life! Your Terms! Show we go through his story, chat Bitcoin and more. Dylan works on producing Bitcoin Magazine's "Deep Dive" On-Chain analytics report (https://members.bitcoinmagazine.com/). You can test drive it for $10/month for six months using the code: rockstar.

Victoria Suen is an unstoppable person. She started investing at 19-years-old, she has hung her own drywall, she submits her own design drawings to the city for approval, she became an Architect and she is living life on her terms. Within minutes of meeting her, you realize she is a force and we couldn't be more impressed. On this episode of The Your Life! Your Terms! Show we chat about Victoria's education, her real estate experience, her mindset and more. You can find her on Instagram @BuildXLab

Vijay Boyapati presents a very powerful case for Bitcoin. On this episode of The Your Life! Your Terms! Show we sit down with Vijay to get his thoughts on this new digital money. His Medium article, The Bullish Case for Bitcoin, is an excellent read and he's released a new book with the same title that's available on Amazon right now. During the second half of our chat, we toss some of the Bitcoin threats (regulation, taxes, energy etc.) to get his insights on each of these. We had a blast chatting with him and he's a worthy follow on Twitter @real_vijay . Enjoy the episode!

On this episode of The Your Life! Your Terms! Show we chat with Gerry Gatto of Gatto Law. We cover the little know fact around the planning act in Ontario that can cause major headaches if you're not aware of them. Gerry also outlines what title insurance does for you, how to use a second Will when holding assets in a corporation and why power of attorney may be more important than you think. Gerry Gatto has helped thousands of Ontario investors with their properties and you can reach him and his firm at www.GattoLaw.ca

Fernando is someone who we can talk to for hours. On this episode of The Your Life! Your Terms! Show, we get into Modern Monetary Theory, Real Estate Trends in Canada, Artificial Intelligence, Social Media and more. Fernando has a long successful history in finance and is recently back at it with AIT.inc, a fund that uses Artificial Intelligence to invest.

Mitch Jarvi is a fascinating person and has an uplifting story to share. He walked away from a perfectly good career that wasn't serving him to pack up an RV and travel with his family. He then found a great fit with Addy to help democratize real estate for everyone. On this episode of The Your Life! Your Terms! Show Mitch shares his personal story, why Addy became a natural next move for him, current real estate trends and more. Addy allows Canadians to invest in property for as little as $1 (full disclosure: Nick and Tom are investors in Addy). You can learn more about Addy at www.AddyInvest.com

Jatinder Gill is one of those people who inspire you to be better. His clarity of thought, ability to articulate his personal goals and sheer fearlessness about the future are inspiring. On this episode of The Your Life! Your Terms! Show we discuss his pre-construction investing, buying properties in Hamilton and St. Catharines, handling renovations and contractors and creating cash flow. We share purchase prices, cash flow numbers and one investor's approach to life and goal setting. You're in for a treat with this episode, enjoy!!

On this episode of the Your Life! Your Terms! Show we sit down with Greg Foss, Jesse Berger and Mike Wiebe to get all the latest on Bitcoin, energy pricing and government policies. Greg Foss has 32 years of trading high yield credit in Canada. Jesse Berger is the author of the amazing book, Magic Internet Money. And Mike Wiebe hosts an open Monday night Zoom meetup to chat all things Bitcoin. By the end of the episode, we have chatted about gold, aliens, credit markets, global debt and more. Enjoy the show!! You can follow each of them on Twitter @fossgregfoss @jayberjay and @bitcoin_bullets (you can find Mike's Telegram link there too!).

Christian Kalb is someone who doesn't take no for an answer. Faced with what seemed like impossible odds during the pandemic, he navigated the legal system, consulates, airports, lawyers and government bureaucracy to obtain legal resident status in Panama. On this episode of The Your Life! Your Terms! Show, Christian shares the entire journey and why he did this. John Paul Gulbis, on the Rock Star team, joins the chat to share his experiences working with Christian for years building his real estate portfolio. Stay tuned, this is fun one!

On this episode of The Your Life! Your Terms! Show we sit down with John Vallis to chat about the new emerging economy. What do we mean by that? It feels like we are nearing the end of one system, built by central banks and monopolies, and the emergence of a new distributed economy. We chat about inflation vs. deflation, the importance of hard money, morality, religion and the importance of property rights in our lives. John is the host of the Bitcoin Rapid-Fire podcast and of the Closing The Loop podcast. You can find John on Twitter @johnkvallis

Can the Bank of Canada really raise rates eight times over the next two years? Recent comments by Scotiabank seemed to suggest they may try. In this episode of The Your Life! Your Terms! Show, we chat with our accountant, Andrew Topping, and start looking at some of the math around this. We also discuss tax rates, corporate taxes and tax structures. You can reach out to Andrew's office by visiting www.LugowyAssociates.com

Zvon promised he would sing for us and true to his word he did just that on this episode of The Your Life! Your Terms! Show. And if we had a voice like his we would sing too!! But sadly, we do not, LOL! On this episode, we get the latest tech updates from Zvon, including updates on Macbooks, Chat Apps, Security & VPNs, Encryption technologies and more!! You can reach out to Zvon and get his latest written and video updates at atyourserver.ca/

Dan Jarnevic started out as a Rock Star Inner Circle member and now he's part of the team. On this episode of The Your Life! Your Terms! Show we chat with Dan and Mike Desormeaux about Dan's change in careers, his real estate portfolio building and what he's learned along the way. We dive into different property types, different cities, cash flow numbers and more. Dan also shares some of his early fears and what he makes of those exact same fears today. Priceless!! Enjoy the show!

Patrick Burchartz is a KLM airline captain who has a unique vantage point for his investing. On this episode of The Your Life! Your Terms! Show we chat about his investing strategies, his thoughts on real estate, the global economy and why Bitcoin has entered his portfolio. We also get a behind-the-scenes look into how pilots operate and exactly what some of them are doing during flights ... and we had no idea!! Enjoy the show! You can find Patrick on Twitter @PatrickBurchart

Chris Terrelonge's energy is highly infectious in the best way possible! His views on the value of your network, living in integrity and doing the right thing at all times are refreshing. You'll learn about his journey battling anxiety and how he came out the other side, his career evolution and how the right job sometimes finds you when you're not looking. Enjoy this episode of The Your Life! Your Terms! Show.

On this episode of The Your Life! Your Terms! Show we discuss interest rates, population trends in Canada and Ontario, supply of single-family homes, Bitcoin, rental rates we're seeing and we even dive into politics. This is a preview of some of what we expect to see in 2022 and beyond. There are huge trends happening with money and real estate. If you're not aware of them it's time to study up and get going! Your financial future likely depends on it.

This is a power couple if we've ever met one. Marco and Annick have a deep respect for each other and it quickly shows when you chat with them. In this episode of The Your Life! Your Terms! Show they share how they got started in real estate by renting a space out in Toronto with a newborn and turned that into a growing, and cash-flowing, portfolio around the GTA. Paul D'Abruzzo, from the Rock Star team, also shares how he works with Marco and Annick to track down real estate that meets their detailed criteria!!

Bitbuy has become the first Canadian crypto trading platform to be regulated as a marketplace. On this episode of The Your Life! Your Terms! Show the COO of Bitbuy, Jordan Anderson, chats about the trends they see in this space. We chat about regulatory bodies, the future of digital finances and how stablecoins may play an interesting role in banking over the next few years. We also discuss Bitbuy's recent deal with Kevin O'Leary's company WonderFi that's in progress right now at the start of 2022. You can learn more about Bitbuy at Bitbuy.ca

Ben Rabidoux does some of the best work in Canada at collecting the real estate data we're all interested in. On this episode of The Your Life! Your Terms! Show we dive into what he's currently seeing and his best forecasts for 2022. We chat interest rates, Vancouver supply, Calgary trends, population growth, policy changes in Canada and more. If you're an investor or soon to be investor, you don't want to miss this episode! You can learn more about Ben via Twitter @BenRabidoux or access his reports at www.EdgeAnalytics.ca

Rebecca is one of those unstoppable people. The kind you know will create amazing momentum in anything she does. She has an awesome career as a Data Scientist and in this episode of The Your Life! Your Terms! Show Rebecca shares how, as a growing side hustle, she went from house hacking to buying multi-unit buildings. We also get her thoughts on using private money and where to find real estate opportunities right here in Ontario in 2022. You can find Rebecca at www.5to9.ca and on YouTube at www.youtube.com/5to9RealEstate

We get asked about estate planning all the time. It's a tricky subject and most people find it a confusing subject. On this episode of The Your Life! Your Terms! Show we sit down with Fabio Campanella to cover all the bases. We specifically chat about how you can leverage life insurance to offset some of the tax burdens that you'll deal with as you pass on properties to the next generation of your family. It's a detailed discussion but stick with it ... this is important stuff to be aware of. You can learn more about Fabio and his practice at www.CampanellaGroup.com

Part of living life on our own terms is being as healthy as possible. Dr. Callum Cowan has helped us dive into our own personal nutrition, blood markers, hormone analysis and detox strategies. On this episode of The Your Life! Your Terms! Show we chat about his recent involvement with the Arizona Coyotes of the NHL and how each of us can achieve our personal peak performance. We also talk about high iron levels, the Carnivore diet, the basic supplements each of us may want to consider and more. You can learn more about Phenom HPM and his entire team at www.PhenomHPM.com or follow them on Instagram @phenom_doc and @phenomhpm

Greg Foss has 32 years of experience in the credit markets. Ali from Tahinis is building a great restaurant business here in Canada. Together they offer an amazing perspective on the economy, money, entrepreneurship and resiliency. On this episode of The Your Life! Your Terms! Show we get a market update from Greg and Ali's take on the role Bitcoin plays in our personal and business lives. You can find Greg on Twitter @fossgregfoss and Ali @therealtahinis or at www.Tahinis.com

These two guys have an incredible amount of real estate experience. Michael Zanzini is 32 years old and has been working with mortgages and investors for over 7 years already. Lorenzo Podda is 23 years old and knows more about mortgages than many who have been in the business for years. And they are both real estate investors themselves. On this episode of The Your Life! Your Terms! Show we discuss what investors need to know about the banks, the mortgage process, refinancing strategies and more. You can reach them at www.BMSelect.ca

Ruben Furtado has a natural gift when it comes to real estate. He's able to take a lot no one would want and come up with an amazing master plan for a luxury build. Over the years he's helped countless Canadians with their custom home projects and on this episode of The Your Life! Your Terms! Show he breaks down the trends he's seeing. Ruben was also my first sales manager back at Oracle so we have a long history together and he's one of the most kind-hearted people you'll ever meet (but don't tell him we said that!). You can contact him via his website at www.TheFurtadoGroup.com

Sasha Cucuz is the CEO of Greybrook Securities and has always provided incredible insight into the Canadian and U.S. real estate markets. On this episode of the Your Life! Your Terms! Show we get a great market update. Greybrook partners with some of the largest builders in the country to build condominium projects, subdivisions and unique projects across North America. Understanding the trends he's seeing with these projects can help each of us with our own real estate portfolio management. You can learn more about Greybrook by visiting Greybrook.com

Kevin Rooke joins us on this episode of The Your Life! Your Terms! Show to discuss the Lightning Network. There is a huge development unfolding in monetary systems and the Lightning Network is likely going to become more and more important. This is an important trend that we feel all of us should be paying attention to. We discuss open vs. closed systems, how the Lightning Network works, apps that are using it today and how you can send just a small portion of a Bitcoin (a "satoshi" or "sat") to anyone around the world instantly and with final settlement. You can learn more about Kevin vis his website www.KevinRooke.com and you can follow him on Twitter @kerooke

Michelle Spencer is incredible. The moment you speak with her you can feel the inner drive she has to push her boundaries. On this episode of The Your Life! Your Terms! Show we chat with her and her husband, Derek Spencer, about their real estate journey. Derek has recently been able to leave a 17-year long career at the TTC and together they are living life on their terms. We are thrilled to be able to share their story on this episode! Enjoy!

Monica Knowlton is on the podcast to share her journey from hockey into Olympic lifting. Together with her coach, Dan Thiessen from Radix Performance in Oakville, she has been achieving some incredible lifts in a very short time. On this episode of The Your Life! Your Terms! Show, we chat diet, training schedules, supplements and what it takes to hit some elite athletic goals. To see the discipline it takes to reach such high levels is impressive and inspiring. You can learn more about Radix at RadixPerformance.com

There is a massive housing shortage in Canada. Individual investors are helping add good-quality properties to the market by converting older homes into updated, beautiful, legal second suites. And lately, a new concept, Garden Suites, has been starting to take hold. On this episode of The Your Life! Your Terms! Show we chat with Andy Tran, www.SuiteAdditions.com, to get the very latest on Garden Suites in the Greater Toronto and Southern Ontario area. Andy is a wealth of knowledge and his team has been helping investors navigate design, by-law approval and construction of beautiful rental properties right across the province.

It feels as if 2022 may bring more volatility to the world and to the markets than even 2020. On this episode of The Your Life! Your Terms! Show Nick and Tom sit down to discuss the national and global headlines, the Bank of Canada's interest rate move and what it means to the real estate markets. If you're looking for local property investment strategies for the Greater Toronto and Golden Horseshoe area you can find videos, reports, books and an introductory training class all linked off of www.RockStarInnerCircle.com

On this episode of The Your Life! Your Terms! Show we chat with Jason and Jennifer Kao who share their journey into the world of real estate investing. Nadeem Ahmed, part of the Rock Star team, also joins us. Jason and Jennifer share their first experiences, how they analyze their property purchases and some of their future goals. Right in the middle of 2020, when much of the province was shut down, they pushed through and were able to add some great real estate to their portfolio. They share both their challenges and their successes and we feel fortunate to be able to share their story! You can find Jennifer on Instagram @jennfahh27 and Jason @mrjasonkao

Mitch Cleary has a certain energy about him that gets you all fired up ... in the best way possible. His family is from the Peterborough area and on this episode of The Your Life! Your Terms! Show he shares different investment opportunities in the area. We also get some of Mitch's journey to become a real estate professional that involves multiple trips to the Alberta Oil Sands. If you're in the Peterborough area you'll find Mitch at Century 21 practicing his real estate craft.

Glenn Poulos is clearly living life on his terms. He started his first business and sold it but then was faced with an unexpected twist. On this episode of The Your Life! Your Terms! Show he shares how he handled that, how he started his second business, wrote a book, got into real estate investing, Bitcoin and crypto and more! There is a lifetime of insights jammed into this episode. Glenn also wrote a book on sales and selling, Never Sit in the Lobby, available on Amazon.ca. You can learn more about Glenn by visiting www.GlennPoulos.com

It's a tricky business buying and selling rental properties with existing tenants and leases in place. It must be done properly or it causes severe headaches and problems for everyone involved. On this episode of The Your Life! Your Terms! Show we chat with Kelly Hawkes to go over all the scenarios and discuss landlord property responsibilities. Kelly is an absolute expert in this area and always brings great insights. You can find Kelly and learn more about her services at www.KHParalegal.com

Lyn always brings incredible clarity to current events. On this episode of The Your Life! Your Terms! Show we catch up with Lyn to get her thoughts on financial repression in 2022, interest rates, stablecoins, the future of the reserve currency, Bitcoin and more. Towards the end we also dive into Lyn's formative years and discuss how she got started investing, why she is in the finance space, how she began and how she tests herself regularly. You can learn more about Lyn and get access to her amazing newsletter at www.LynAlden.com and you can follow her on Twitter @LynAldenContact

Both Deirdre Dunne and Jillian Henderson are amazing women who are investing in real estate. And we are blessed and honoured to be able to call them very long time Rock Star Inner Circle members. They are joined on this episode of The Your Life! Your Terms! Show by Jillian's daughter, Taylor, who is clearly living life on her terms already. We chat about real estate, fears, taking action and life. These are the types of action-takers that motivate us, enjoy the show!

This episode of The Your Life! Your Terms! Show is a bit of a rant on the current economic system. We discuss why money is so difficult to truly understand. Why saving in 2022 is next to impossible and how debt sabotages the currency system today. It's so difficult to "get ahead" in an economic system that is as confusing as ours. Much of that confusion boils down to how our current dollars are actually debt instruments. Once you understand how the system works, positioning yourself to front-run much of the madness gets infinitely easier.