03 — Subject
Mortgages, community finance, and reading the fine print before it costs you.
The financial mechanics that quietly cost people money — mortgage terms, penalties, and the institutions that are supposed to be on your side.
Turning Savings into a Paycheque, in Canada — Vanguard’s seven steps for retirement income in Canadian terms: the withdrawal rate, CPP and OAS timing, RRIF minimums, the OAS clawback, withdrawal order and flexible spending, worked through with the free OWL Income app
Rich, or Just Acting Rich? — Thomas Stanley’s Stop Acting Rich updated for Canada in 2026: what millionaires really drive and spend, why income is not wealth, and today’s debt, car and credit card numbers
All Weather, Rebuilt for Canada — Ray Dalio’s portfolio for every economic season, taken back to its first principles, tested in Canadian dollars since 2007, and the nine decisions that shape any version you build
Whole Life, Inside the Company — participating whole life insurance sold to business owners as a “corporate TFSA”: the real tax advantages, what it costs, how the headline returns are built, and how the money reaches your family
Fixed or Variable — two Canadian mortgages, signed in 2021 and 2023, replayed against the rate path that actually happened, with the calculator that does it