The Chiro Money Show

Why do personal finance topics get so heated? In this episode, we tackle five controversial debates that often spark intense disagreement—renting vs. buying, dividend investing, the FIRE movement, permanent insurance, and more. We break down the math, the emotions, and the identity pieces that make these topics so polarizing. From understanding why renting isn't "throwing money away" to exploring...

Market crashes are inevitable—but are you prepared? In this episode, we break down how to build a portfolio and mindset that can weather any storm. We explore why crashes happen more often than you think (every 3-4 years on average), the psychology behind investor panic, and five essential pillars to help you stay invested for the long haul. Whether you're a seasoned investor or just getting start...

Should you try to time the market or just stay invested? In this episode, we break down why successful investing isn't about finding the next hot stock or timing market crashes—it's about sticking to a strategy that already works. We explore the three fundamentals of evidence-based investing, why professional fund managers can't consistently beat the market, and how emotions destroy more wealth th...

Why Your Investment Returns Are Lower Than You Think (And What To Do About It) Most investors believe success comes from picking winning stocks or timing the market perfectly. But the data tells a different story: the average equity investor earns 2-3% less per year than their actual investments return. The culprit? Human behavior. In this episode, we break down the most common behavioral biases t...

Why does financial alignment with your spouse matter more than perfect investment returns or tax strategies? In this episode, Chris and Scott break down why the happiest couples aren't necessarily the richest—they're just the most aligned. Drawing from real client examples, they explore what true financial partnership looks like and share the powerful 5Cs framework for making major financial decis...

Most people spend their lives saving for “someday.” But what if you’re saving so much for the future that you’re missing the best years of your life right now? In this episode, Scott and Chris unpack the core ideas from Die With Zero by Bill Perkins — how to find the balance between living fully today and planning responsibly for tomorrow. They dive into the relationship between money, health, and...

Most chiropractors don’t need another budget—they need a system that actually works with how humans spend. In this episode, Scott and Chris break down behavioural cash flow planning —a practical system designed to help you spend better, stress less, and finally feel in control of your money. They’ll walk through a real case study to show how separating your committed expenses from your spendable m...

Salary vs. dividends—what’s the smartest way for an incorporated chiropractor to pay themselves? In this episode, Scott and Chris break down why treating your corp like an ATM creates CRA surprises, how the “dividend tax trap” happens, and why predictable owner’s pay beats random draws. We unpack salary vs. dividends in plain English (CPP isn’t a “tax,” RRSP room matters), how Profit First helps s...

A big income doesn’t equal financial freedom. In this episode, Scott and Chris unpack the real difference between looking rich and building wealth — and show how chiropractors can close the gap without sacrificing the life you want today. You’ll hear how to shift from the no-plan plan to a simple, automated system: pay yourself first, invest consistently, and align your investing with an overall f...

What Profit First Looks Like In a Chiro Practice (Without the Headaches) Ever log into your clinic account, see one big number, and make decisions from that alone? That’s bank balance accounting—and it’s why cash flow feels chaotic. In this episode, Scott and Chris break down a simple, behaviour-friendly system (inspired by Mike Michalowicz’s Profit First) that turns your banking into a clear dash...

You’re seeing patients all day, the clinic looks busy, and revenue’s higher than ever… but somehow, your paycheque still fluctuates — and the stress never goes away. Why does that happen, even when your practice looks successful from the outside? In this episode, Scott and Chris unpack why more revenue doesn’t always equal more stability. They dive into how inconsistent income, messy bookkeeping,...

You’re seeing patients, paying bills… but does your financial life actually feel stable? In this kickoff episode, Scott and Chris unpack what success really looks like for chiropractors—and how to build it on purpose. You’ll hear the big outcomes we want for every chiro: confidence in decisions, systems that make cash flow calm, an investment plan you can stick to, and the peace to focus on the im...

Welcome to The Chiro Money Show ! In this short teaser episode, we introduce ourselves (Chris & Scott), share why we launched this podcast, and what you can expect from upcoming episodes. Our mission is simple: help Canadian chiropractors make smarter financial decisions so you can build stability, profitability, and a lifestyle you love.