Best Amortization Podcasts (2025)

Send us a text BCREA Chief Economist Brendon Ogmundson joins Alex Pang and Alex Shanks to unpack the real state of BC housing: the surprising 2025 sales slowdown and rebound pockets, why pre-sales are struggling, and the capital problem behind our 600k-homes target. We dig into foreign-buyer rules (and the “Australia model”), REITs vs. rents, devel…

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Always Come Back to the Why | Alan and Katie Donegan | Ep 569 1:26:49

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Brad, Katie, and Alan Donegan discuss the significance of understanding the "why" behind pursuing financial independence (FI). They delve into their journey, emphasizing the importance of community, intentional spending, and lifestyle design. Listeners are encouraged to confront their fears of rejection when building friendships and to embrace vuln…

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Inside Canadian Mortgages Inc.’s Private Lending Playbook with Corey Cardellini 17:48

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Len chats with Corey Cardelinni, BRM for Alberta at CMI, about how a seasoned private lender approaches real-world files. They cover CMI’s flexible solutions including, first and second mortgages, bridge and equity loans, and purchase-plus improvements, and why clear, detailed commitments plus quick, organized documentation can accelerate approvals…

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Episode 58: Canada Housing Check: Prices, Rates, Incentives & Real Case Studies 56:27

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Send us a text Canada’s housing story is shifting fast. We open on why thousands of new condos are sitting unsold in the Lower Mainland and what that means for pricing power, then dig into a surprising stat: in Ottawa, monthly ownership costs can now beat renting (yes, really). We also tackle what’s next for mortgage rates, why many landlords are d…

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The FiiRE Framework With Paula Pant | Ep 568 1:23:56

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Paula Pant introduces her innovative FI-I-R-E framework, which encompasses Financial Psychology, Increasing Your Income, Investing, Real Estate, and Entrepreneurship. The discussion emphasizes the critical role of financial psychology in shaping one’s financial decisions and behaviors. Paula's approach aims to inspire excitement about personal fina…

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Are We Taking the Wrong Risks? With Chris Hutchins | Ep 567 1:16:46

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Brad interviews Chris Hutchins, host of the podcast All The Hacks. They dive deep into challenging the traditional mindset of financial independence (FI), exploring the balance between saving for the future and enjoying life experiences in the present. The discussion revolves around the potential pitfalls of overly conservative financial strategies…

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Episode 56: Mortgage Renewal Secrets Your Lender Won’t Tell You 32:48

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Send us a text In this episode, Alex Pang and Alex Shanks step away from the headlines to focus on mortgage renewal strategies that every Canadian homeowner should know. With record-low pandemic interest rates now expiring, many borrowers are facing renewal letters with much higher rates—and most simply sign without questioning. Alex and Alex share…

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Turning Auto Debt into Mortgage Approvals with Kevin Kennedy 28:28

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In this episode, host Len Lane, founder of Brokers for Life, welcomes Kevin Kennedy, owner of KDK Financial, to discuss how car payments affect Total Debt Servicing (TDS) and Gross Debt Servicing (GDS) ratios in the mortgage process. With many Canadians carrying large vehicle loans, this often becomes a barrier to mortgage approval. Kevin shares ho…

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Risk Based Guardrails for Drawdown | Ep 566 1:25:11

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Brad welcomes Aubrey Williams, a financial advisor and member of the ChooseFI community. They discuss innovative strategies for financial independence (FI), focusing on flexible withdrawal rates, dynamic spending adjustments using historical analysis, and how adopting a more adaptable mindset can potentially lead to earlier FI. Timestamps & Discuss…

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Episode 55: REIT Redemption Gates, EV Mandate Pause, and Your Mortgage Strategy 52:58

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Send us a text Canada just cut rates by 0.25%—but what does that actually mean for your mortgage? Alex & Alex break down variable vs fixed (why your adjustable payment may drop ±$13 per $100k, and why fixed rates follow bond yields—not the overnight rate), plus the real-world timing on locking in as renewal offers in the high-3s start popping up. W…

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Tax Planning To and Through Early Retirement | Cody Garrett & Sean Mullaney | Ep 565 1:06:30

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Brad Barrett hosts Cody Garrett and Sean Mullaney, co-authors of Tax Planning To and Through Early Retirement, exploring essential tax strategies for the FI community. They address misconceptions about retirement taxes, the drawdown process, and effective tax rates, emphasizing the importance of informed planning to navigate financial independence …

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Episode 54: Mayor Brad West: What Canada Must Do to Solve Housing & Immigration Challenges 1:07:04

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Send us a text In this special episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks welcome Mayor Brad West of Port Coquitlam. Known for his straight-talking, community-first leadership, Brad shares his journey from being elected at 23 to becoming one of B.C.’s most outspoken mayors. We dive into the challenges facing municipalities tod…

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Why Do You Want to Be a Mortgage Broker? 18:54

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In this episode, Len Lane, Founder and President of Brokers for Life and part of Dominion Lending Centres, reflects on his 20+ year journey in the mortgage industry. He explains how his transition from selling new homes to becoming a mortgage broker gave him the freedom and fulfillment he was looking for. Len shares the key differences between work…

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Financial Independence Basics with Jackie Cummings Koski | Ep 564 1:09:45

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Jackie Cummings Koski returns to discuss the fundamental principles of financial independence (FI) and early retirement. The conversation emphasizes the importance of understanding FI—financial independence lets individuals no longer depend on a paycheck, offering options and freedom in life. Jackie shares insights on creating habits, starting smal…

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Episode 53: Ponzi Schemes, Tariffs & Housing Woes: A Hard Look at Canada’s Market 50:32

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Send us a text In Episode 53 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks dive into the latest developments shaping Canada’s economy and housing market. They break down Canada’s shrinking GDP, the impact of U.S. tariffs on exports, and what’s really behind rumors of a Bank of Canada rate cut. The conversation also covers affordabi…

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Safe Withdrawal Rates, Drawdown Strategies, RMDs and 50 Year FI Timelines 57:25

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ChooseFI unveils a new feature on the website that allows listeners to have their financial independence questions answered by experts. Featuring in-depth discussions with Karsten Jeske (Big Earn) and Fritz Gilbert, the episode explores the ramifications of potentially increasing the safe withdrawal rate and provides critical insights into retireme…

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Episode 52: Pre-Sale Collapse, Cancelled Listings & Canada’s Housing Gap 57:49

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Send us a text Episode 52 marks the one-year anniversary of The Canadian Mortgage Show, hosted by Alex Pang and Alex Shanks. Over the past 12 months, the show has tackled the biggest questions in Canadian housing, finance, and economics—and this episode is no different. In this anniversary special, Alex and Alex reflect on their journey, the realit…

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Building a Transparent Lending Future with Chris Woodhouse 25:07

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In this episode of Real Life Mortgage Solutions, Len Lane is joined by Chris Woodhouse of Highclere Lending to talk about innovation, integrity, and strategy in the Canadian mortgage space. With a career that began in brokering and evolved through leadership roles at major lenders like Street Capital and RFA, Chris now brings his expertise to the f…

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Navigating Financial Conflicts in Relationships | Ep 562 1:00:27

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Brad and Ginger discuss the importance of asset flexibility, community building, and health savings accounts (HSAs). The conversation emphasizes maximizing contributions to HSAs while addressing financial conflicts that arise within relationships. Key Topics Discussed: Introduction and Community Building (00:00:00) Ginger shares her growing efforts…

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$375K Co Living Deal in Houston: Why 10 Beds + 10 Baths = Higher Profits 30:42

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By Michael Riordan

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Episode 51: Canada’s Housing Slowdown: Inflation, Jobs, and Real Estate in 2025 53:05

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Send us a text In Episode 51 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks break down the latest economic and housing updates shaping Canada’s financial landscape. From cooling inflation data and potential Bank of Canada rate cuts, to falling building permits and job losses across the country, the hosts highlight what these shifts …

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Mini-Retirements: Test Driving Financial Independence | Ep 561 50:16

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Brad Barrett welcomes Jillian Johnsrud, author of Retire Often, as they delve into the transformative concept of mini retirements. Jillian shares her insights on how taking intentional breaks from work can enrich life experiences, enhance personal growth, and help individuals navigate transitions on their journey towards financial independence. Key…

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Episode 50: Canada’s Housing Market Hits Record Drop – Have We Seen the Bottom? 1:02:54

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Send us a text In this milestone 50th episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks unpack the latest economic, housing, and policy shifts shaping the Canadian market. They dive into U.S. inflation data, new tariffs from the U.S. and China, and how these pressures spill into Canadian retail sales and the weakening Loonie. T…

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Gary Siegle: 50 yrs of Mortgage History 54:51

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In this episode of Real Life Mortgage Solutions, host Len Lane sits down with industry veteran Gary Siegel to explore his five-decade-long journey through Canada’s evolving mortgage landscape. Gary reflects on his early years with CMHC, where he managed social housing programs, direct lending, and insured mortgages—laying the foundation for a caree…

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Living Off the 4% Rule | Marla Taner | Ep 560 1:00:21

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Marla Taner shares her journey of living off the 4% rule since her retirement in 2013. She discusses the financial strategies that have supported her abundant lifestyle, the emotional aspects of transitioning into retirement, and the importance of reassessing fixed costs. Marla's insights provide inspiration for those seeking financial independence…

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Episode 49: The Truth About Building a Home in BC | Andrew Huang on Permits, Costs & Market Shifts 1:10:10

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Send us a text In this episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks welcome Andrew Huang, Licensed Builder at Fairlands Custom Homes Ltd., for an in-depth look at the realities of building in Greater Vancouver and across BC. With over 20 years in the construction industry, Andrew shares his journey from working in commerci…

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Zero-Based Everything: FI, Travel, and the Art of Starting Fresh | Katie & Alan Donegan | Ep 559 1:20:16

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Join Brad, Katie, and Alan in a candid conversation about financial independence, travel rewards, and lifestyle choices. They discuss the importance of zero-based thinking, share experiences as digital nomads, and challenge conventional views on net worth by introducing the concept of a "freedom fund." Timestamps: 00:03:48 - Zero-Based Thinking Dis…

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The Canadian Mortgage Show Trailer 0:38

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Send us a textBy Alex Pang & Alex Shanks

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Episode 6 Commercial Real Estate & Capital Raising with Joe Doherty 54:40

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Welcome back to Off Market Mindset! In this laid-back yet power-packed episode, Michael Riordan sits down with Joseph Doherty—a Northern New England commercial real estate specialist and capital-finder who’s redefining how deals get done. Based in Greater Boston, Joe’s expertise spans anything over four units, and he’s built a reputation as the go-…

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Episode 48: Bank of Canada Holds Rates — What This Means for Homeowners & Buyers 48:44

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Send us a text In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks unpack the latest updates in Canada’s mortgage and housing market. They discuss why the Bank of Canada held rates steady, how looming tariffs could impact inflation, and where interest rates may be headed next. From analyzing the ideal “healthy” mortgage rate to…

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Understanding Consumer Proposals & Debt Trends in 2025 with Sandra Landry 31:00

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In this insightful episode of Real Life Mortgage Solutions, Len Lane is joined again by Sandra Landry of MNP to discuss the ever-evolving landscape of consumer debt and insolvency in Canada. They explore how economic pressures have led to a noticeable uptick in larger and more complex consumer proposals, often involving higher incomes and assets (s…

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Designing an Intentional Life | Tim Ferriss | Ep 558 1:35:41

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Tim Ferriss focusing on financial independence, the importance of mentorship, and the role of playful experimentation in living a fulfilling life. Discover insights on designing an intentional life and the values behind Tim's new game, COYOTE. Key Takeaways Experiential Learning & Game Selection Choose the right projects to engage in rather than ju…

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Episode 47: Private Lending Insights with Marc Alteman 57:38

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Send us a text Join Alex Pang and Alex Shanks as they welcome special guest Marc Alteman from Altman Financial Inc. to Episode 47 of The Canadian Mortgage Show. Marc, a private mortgage broker with nearly 15 years of experience, specializes in connecting individuals with direct private mortgage lenders for real estate transactions. This episode dem…

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It's Big, But Is It Beautiful? Let's Talk About It... | Ep 557 1:00:18

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Key changes in tax law related to the newly passed One Big Beautiful Bill significantly impact the financial independence (FI) community. Notably, the extension of tax rates and the higher standard deduction provide more planning certainty for early retirees, allowing greater financial management under these new regulations. Brad & Sean Mullaney di…

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Episode 5. Real estate agents? investors? How Sean McArthur integrates the two! 50:31

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Strap in—this week on Off Market Mindset, host Michael Riordan sits down with military‐vet‐turned‐real estate powerhouse Shawn McArthur. Shawn’s journey starts with his very first flip—a meth house renovation completed while he was still on active duty in the Army—and rockets through a breakout career selling 30 homes in his first six months as an …

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Episode 46: Beyond The Ring - Victoria Fung on Tough Markets and Real Estate Moves 41:09

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Send us a text This week, we're honoured to host the remarkable Victoria Fung from Oakwyn Realty Northwest. Victoria isn't just a second-generation realtor with a decade of experience; she's a former professional Muay Thai fighter whose competitive spirit and disciplined approach now powerfully serve her clients, especially in the sensitive areas o…

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A Broker’s Guide to Private Lending Success with Chris O’Sullivan of Alta West 19:40

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In this episode, Len welcomes Chris O’Sullivan from Alta West Capital to break down the ins and outs of private lending and how it fits into a broker’s toolkit. Chris shares his unique background—from private brokering to auto finance and now to advocating for brokers at Alta West—and outlines the flexible mortgage solutions that Alta West offers. …

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Mailbag: Bond Funds, Roth Conversions, Advanced FI Strategies, Solo 401k and Backdoor Roth 1:01:04

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Brad and Rachael Camp tackle listener-submitted questions focusing on bonds, retirement strategies, pensions, and optimizing Roth IRA conversions. Rachael Camp, a Certified Financial Planner, sheds light on various financial independence (FI) strategies—discussing the impact of interest rate volatility on bond investments, the importance of tax pla…

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Episode 45: MORTGAGE MELTDOWN? Canadian Dollar SHOCK, AI Job Cuts & Govt. Budget BLUNDERS! 50:29

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Send us a text In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s broader economic landscape and its influence on the mortgage market. They tackle the strengthening Canadian dollar, the disruptive impact of AI on the job market and corporate layoffs, and the government's approach to budgeting. They also touch on the c…

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Are You Over-Optimizing? | Jesse Cramer | Ep 555 57:50

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Effective financial planning resembles both a puzzle and a spider web, where each decision impacts interconnected aspects of one's financial life. Brad is joined by Jesse Cramer and explores the importance of resilience over perfection in financial planning, how minor choices can have significant implications, and the necessity of revisiting one's …

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Episode 4. Overcoming Addiction to Building an Empire with Steve Pugh of EXP Realty 48:18

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In this powerful episode of Off Market Mindset, host Michael Riordan sits down with Steve Pugh, a 28-year real estate veteran and one of Florida’s top brokers. Steve opens up about his journey—from battling addiction and facing jail time to becoming a high-performing broker associate under eXp Realty, closing 40–50 deals a year, and leading one of …

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Episode 3. From Brand Building to Buying Real Estate at 21: God's Heritage's Blueprint for Bold Action 47:11

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In this episode of The Off Market Mindset, host Michael Riordan sits down with 21-year-old entrepreneur and real estate investor Godsheritage Adeoye—better known as Heritage—to break down what it really takes to build a brand, create leverage, and buy your first property while still in college. This one hits different. Heritage isn’t just another c…

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Episode 2. Creative Financing Mastery_ Transactional Lending, DSCR & Co-Living with Jose Cortes 52:58

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👉 Are you a real estate investor with a story to share? Apply to be a guest at peerlesspropertysolutions.com/podcast and let’s put your deals on blast! Step inside this week’s Off Market Mindset as host Michael Riordan chops it up with Jose Cortes—Air-Force-vet-turned-investor, transactional lender, and DSCR broker with a bullpen of 22 lending part…

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Episode 1. Creative Finance & Modular Homes in Colorado w/ Realtor-Investor Reed Peuser 47:54

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Learn how to leverage creative finance, “Subject-To” deals, and component-driven modular homes to crush today’s Colorado real-estate market. Realtor-investor Reed Peuser joins host Michael Riordan on the Off-Market Mindset podcast to reveal his blueprint for scaling from 250+ traditional transactions to high-margin prefab developments—while solving…

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Episode 44: Housing Crisis, Fraud & Falling Developers: What’s Really Happening in Canada? 43:14

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Send us a text In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s housing market—think struggling developers, growing mortgage fraud, affordability headaches, and government slip-ups. They also chat about job openings, youth unemployment, and which provinces are seeing home prices climb. Whether you’re in real estate …

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Inside Commercial Lending: From Apartment Buildings to Hotels with Sam Dayal 27:53

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Host Len Lane sits down with Sam Dayal, a CPA and seasoned commercial underwriter with Dominion Lending Centres. With over 15 years of experience in the industry, Sam shares practical insights into the nuances of commercial financing, breaking down the differences between business loans and commercial mortgages. He explains how factors like cash fl…

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From Poverty to Semi-Retired | Kristen Knapp | Ep 554 58:59

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Kristen Knapp shares her journey from a childhood marked by poverty to achieving financial independence and transitioning to part-time work as a television meteorologist. She introduces her new venture, FI Friends Travel, a travel initiative that connects financial independence enthusiasts through meaningful, shared travel experiences. Kristen emph…

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Episode 43: How to Beat the Bank at Their Own Game and Pay Off Your Mortgage Faster 27:35

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Send us a text In this episode, Alex Pang and Alex Shanks break down offset mortgages—a financial tool that could help you save thousands in interest and pay off your mortgage years ahead of schedule. But it's not for everyone... Here’s what you’ll learn: What is an Offset Mortgage? How it works and how it compares to traditional mortgage + HELOC p…

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Deep Dive: Putting the Middle-Class Trap to Bed | Ep 553 1:06:57

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Cody Garrett, (CFP), joins Brad to discuss the pervasive myth of the middle-class trap in the financial independence (FI) community. Through four case studies, they illustrate how individuals often feel trapped financially due to psychological barriers rather than actual limitations. The conversation provides insights into turning retirement accoun…