Our guest this week is Ben Rabidoux—Founder of Edge Realty Analytics and North Cove Advisors and one of the most respected voices on Canadian housing and economics. In this episode, he joins Dave to tackle some of the biggest questions facing Canada’s real estate market today.

From the condo market crash to vacancy rates for rentals to the role of HELOCs and immigration policy, Ben explains how we got here, what’s coming next and what it all means for affordability in this country. He also shares the story of catching Fortress as a fraud and offers a candid take on whether Canada is too soft on white-collar crime.

If you care about housing, affordability or the future of Canada’s economy, this episode is a must-listen.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Ben Rabidoux

(02:19) Catching Fortress as a Fraud

(09:26) Is Canada Too Soft on White-Collar Crime?

(11:56) Are Rents Going to Come Down in Canada?

(15:12) How Much Do Home Prices Need to Drop to Become Affordable Again?

(16:33) The Condo Market is Hyper-Cyclical

(17:58) The Condo Market Crash

(24:34) Who Was Buying These Pre-Sale Condos?

(25:27) Where is This Condo Crisis Headed?

(28:18) The Impact HELOCs Have on Canada’s Economy

(32:51) Immigration and Its Impact on Canadian Real Estate

(38:47) A Challenge Our Government Faces Over Immigration

(41:01) The Impact of AI on Immigration Levels

(44:46) How Does Canada Fix Its Affordability Challenges?

(48:09) Conclusion

Our guest this episode is Adam Bornn—Founder and Managing Partner at Parallel Wealth, a Canadian financial planning firm that specializes in helping people retire with confidence. Adam also runs an educational YouTube channel (@ParallelWealth) with over 138,000 subscribers where he shares practical and approachable retirement advice for Canadians.

In this conversation, Dave and Adam dive deep into the world of retirement planning—from understanding the “Go-Go, Slow-Go, and No-Go” phases of retirement to managing taxes through RRSP meltdowns to whether you really need $1 million to retire. Adam shares why retirees need a financial plan, common mistakes people make and how strategies like delaying CPP, TFSAs and even reverse mortgages can play a role in a well-structured retirement.

If you’re planning for retirement—or even just starting to think about it—this episode is packed with insights, myths debunked and practical advice tailored to Canadian listeners.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Adam Bornn

(03:35) Why Did Adam Specialize in Retirement Planning?

(05:23) Why Retirees Need a Financial Plan

(10:45) The Go-Go, Slow-Go and No-Go Phases of Retirement

(11:57) What is an RRSP Meltdown?

(13:16)  Your Average Tax Rate Should Be Consistent Through Retirement

(14:38) OAS Clawback

(16:07) Do Reverse Mortgages Fit Into Retirement Plans?

(17:08) Annuities

(18:03) The “Die With Zero” Concept

(19:11) Building Generational Wealth

(20:44) People Underestimate How Long They’re Going to Live

(22:44) Single Retirees Are at a Massive Disadvantage

(23:57) When Does Whole Life Insurance Make Sense?

(25:57) Most Retirees Need Stocks in Their Portfolios

(27:33) Should You Plan for Large Late-Life Healthcare Costs?

(29:41) Pre-Retirees Should Do Their Research

(31:28) The Biggest Mistakes Adam Sees Retirees Make

(32:20) Myth: You Need $X Number to Retire

(33:01) TFSAs Add Flexibility for Retirees

(34:56) Conclusion

Our guest this week is Amanda Lang—longtime Canadian business journalist and host of Taking Stock, a weekly business news program on CTV, BNN Bloomberg and CP24.

In this episode, Dave and Amanda dive into the state of Canada’s economy from our productivity struggles and housing crisis to the US tariffs to whether the capital gains tax on real estate needs to change. They also unpack the profound impacts artificial intelligence is already having on the job market, the economy and business formation.

It’s a wide-ranging and thought-provoking episode you won’t want to miss!

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Amanda Lang

(02:48) Lang & O’Leary

(06:12) Canadian Productivity Growth & Losing Top Talent

(09:38) How Can We Solve Canada’s Housing Crisis?

(12:02) Should We Change the Capital Gains Tax on Real Estate?

(15:40) How AI is Going to Change Our Economy

(20:01) The Dangers of New Technology Being Used for Evil

(25:11) Professions at Risk From AI

(27:52) US Tariffs

(30:32) Dave’s Biggest Worry: The US Debt

(36:39) Fewer Young People Are Starting Businesses

(42:16) The Changing Media Landscape

(44:30) Dave Has Only Been to ONE Concert in His Life

(46:24) Worried For Young People Today

(48:44) Can We Get Big Projects Done in Canada?

(51:36) Conclusion