The Your Life! Your Terms! Show

In this episode, Tom and Nick Karadza break down why the Canadian real estate market feels "stuck", the latest economic data, and where cash flow is returning to single-family homes. They also discuss how A.I. is disrupting software, jobs, and the broader system faster than most people realize.

In this episode, Scott Dedels breaks down why the traditional 60/40 portfolio may not survive the decade, why pensions won't save you, and why you must be thinking long term. We also explore how A.I. and Bitcoin together could force a complete rethink of money, markets, and the future of investing.

What if the Canadian Dream isn’t owning the house you live in… but owning your time? In this episode, we sit down with  Kristy Shen  and  Bryce Leung , the couple behind Millennial Revolution and authors of  Quit Like a Millionaire . They retired at 32 with a seven-figure portfolio, without owning their own home, and built a life centered on freedom, flexibility, and intentional investing. We dive...

In this episode, we sit down with Eric Yakes to break down his 2026 Bitcoin Ecosystem Report and what it says about where money, banking, and the global economy are headed next. We talk about why Bitcoin is moving beyond speculation and into financial infrastructure, why the old four-year cycle may be dead, and how Bitcoin could start showing up as bank collateral sooner than most people expect. W...

Every year, people jump back into the gym with good intentions and end up frustrated, stalled, or hurt.  In this episode, Dan and Mike break down why most plans backfire, what actually causes nagging pain and injuries, and why “working harder” is usually the wrong move. If you want results this year, you'll love this conversation!

Marc Lafleur is back on the show, and this time he has a surprise announcement. He breaks down how a small-town Canadian founder sold a company for millions, ended up becoming a Dragon on Dragons’ Den, and what he’s seeing right now in AI, business, and the future of work.

Canada is going through a quiet reset, and most people feel it before they understand it. Alex McFadyen is on the show to break down mortgage renewals, rising costs, and shifting lifestyles, forcing Canadians to rethink where they live and how they plan for the future. Follow Alex on Instagram  @themortgagepug  Check out his work:  getflowmortgage.ca

Tom and Nick break down what really matters heading into 2026, from interest rates and Canadian real estate to gold, AI, and Bitcoin. They talk through why holding cash feels worse than ever, how assets behave when governments keep spending, and why technology is changing the value of work faster than most people expect.

This episode breaks down the legal side of real estate that most investors miss until something goes wrong. Gerry Gatto talks through buying strategy, tenant decisions, and common legal pitfalls that can quietly derail a portfolio. They also cover estate planning, power of attorney, wills, and how real estate is handled over time and across families. Check out Gatto Law: https://gattolaw.ca/

Rock Star Member Devon Tomlinson worked in banking when his hours were cut, leaving him deep in debt and with a baby on the way. Today, he is a successful real estate investor and author who turned that financial crisis into freedom. In this episode, Devon explains how he overcame the paralyzing fear of the unknown to transform his relationship with money completely. He details his journey of leve...

Peter Dunworth explains why Bitcoin is still in its early stages and on track to become the global reserve currency. He breaks down the debt-loaded financial system, the collapsing collateral behind it, and why this sets the stage for Bitcoin to become the world’s strongest asset.  We dig into real estate, institutions, national adoption, and the forces pushing investors toward Bitcoin. Peter also...

Chef Massimo Bruno shares his journey from Toronto’s busy kitchens back to the courtyards and coastlines of Southern Italy.  He talks about food, family, culture, and the decision to rebuild his life around what mattered most. We dive into his supper clubs, his culinary tours, and the lessons he learned along the way.  If you're ever in Italy, don't hesitate to reach out:  www.massimobruno...

On this episode of the YLYT Show, Tom and Nick dig into Canada’s budget, interest rates, and what all of it means for today’s real estate market. They break down the student-rental headlines and compare them to what they’re actually seeing on the streets. They also get into how quickly AI is evolving and the surprising ways it’s already helping analyze health and bloodwork. Tom also shares what hi...

Airbnb rules are tightening across Ontario, and many investors are wondering what’s next. In this episode, Mark and Kirsten Krikke join us to break down the new reality for short-term and mid-term rentals. We cover how to navigate changing regulations, attract reliable mid-term tenants, and keep properties cash-flow positive in a tougher market. They also share how to use different platforms effec...

In this episode, Anthony and Aidan sit down with Tom Karadza to unpack why the old debt-driven economy is breaking—and what’s emerging to replace it. We dig into the real estate market, the growing demand for energy, whether AI is really in a bubble, and the trends we're riding during this economic shift.

Anil Patel joins Anthony to unpack how Bitcoin changes your worldview—from seeing reality clearly for the first time to understanding the deeper engineering truth behind money, time, and human progress. They cover adoption waves, mental models, humility, and the character work needed if wealth compounds. And lastly, why the next generation may not have a choice but to choose Bitcoin over real esta...

Ben Rabidoux is back on the show to unpack the latest data on Canadian real estate prices, rents, and what investors should expect heading into 2026. We talk about falling building permits, softening rents, Toronto condos, and the lack of single-family homes across Ontario. Ben's data is top-notch. Use code "EDGE30" for a $20 discount on Ben's monthly Canadian real estate reports:  https://edgeana...

In this episode, we dive into Dubai’s real estate market and why investors from around the world are moving their money there. Ryan Faza and Hisham Malhas break down how Dubai built a tax-free, investor-friendly system that’s attracting global capital. We cover prices, rental returns, financing options, and what makes it appealing to investors Check out Revehub:  https://reve.donative.in/

The Great Canadian Debasement isn’t slowing down anytime soon.  In this episode, Tom and Nick break down what it means for real estate, gold, Bitcoin, and energy as we enter the new economy.  They dig into the wild condo market, the Canadian economy, and how AI and computing power are reshaping everything. 

In this episode, we dive into how AI, real estate, and a broken education system are reshaping the next generation’s future. Nick shares how he’s teaching his kids about money, why Gen Z still has major opportunities to invest, and why Canada desperately needs to get its priorities straight. We end with some fun rapid-fire questions.

Richard Dias is back with us to break down why Canada is stuck in a productivity crisis. We get into everything from housing and misallocated capital to government regulation, taxes, and AI.  Richard explains why Canadians feel poorer even while working harder, and what the market is telling us about mortgages, deficits, and debt. We also touch on energy, pipelines, and how Canada could unlock rea...

In this episode of the YLYT Show we sit down with Zhen Liang to talk about Canada’s housing market. From Toronto condo chaos to student rentals, we get into what’s really working for investors, and what’s not. We also dig into cash flow, currency debasement, and how smart investors are adapting to the new realities. If you’ve been wondering where Canadian real estate goes from here, this chat lays...

On this episode of  The Your Life. Your Terms. Show , we sit down with Rock Star’s longest-running coach, Leslie Kitchen. Leslie’s journey took her from the world of MLM marketing into real estate, and ultimately to building a life completely on her terms. She shares how real estate became her pension, allowing her to retire, travel more, spend quality time with the people she loves, and focus on...

Greybrook Realty Partners CEO Peter Politis hops on the YLYT Show to break down the wild state of Canadian real estate. Peter shares what's really going on in Canadian Real Estate, why completions will fall off a cliff after 2027, and what that means for future rents. He explains the differences between Canada and the U.S. markets, from condo sales to workforce rentals. We dive into labor shor...

The Bank of Canada and the U.S. Fed just cut interest rates. Richard Dias is back on the show to break it all down! Richard explains Canada’s productivity problem, massive debt rollover, and the risks for the loonie as capital flees. We also cover the real estate market, AI, and why money printing fuels inequality. Follow Richard on X:  https://x.com/RichardDias_CFA ⭐ Join 1,000+ Investors Creati...