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Estate planning isn't just for the ultra-wealthy. It's for anyone who owns a home, has kids, or simply wants to make a hard time a little easier for the people they love.In this episode of The Free Lunch Podcast, Colin and Blair break down what estate planning actually looks like for everyday Canadian families, including the tax surprises most people don't see coming, why your beneficiary designations might be quietly working against you, and what Blair calls "the most important document you'll ever have."As Blair puts it, estate planning is really an act of care. It's not about paperwork. It's about the people.

What is likely to work in investing? According to Colin, it's the advice nobody gets excited about.Stay diversified. Rebalance consistently. Cut your tax bill. Understand your own behavioural blind spots. None of it is glamorous, but the data generally backs it up.Colin and Greg get into all of it on this episode of The Free Lunch Podcast, including why "which stock should I buy" may be the wrong question.

Some private credit funds have recently faced redemption pressure, bringing renewed attention to liquidity risk in the asset class.Colin and Greg walk through what private credit is, why it grew rapidly after the 2008 financial crisis, and how the "illiquidity premium” works in practice on The Free Lunch Podcast.If you've been hearing a lot about private credit lately and weren't totally sure what to make of it, this one is for you.

Colin and Greg brought in one of the sharpest minds in fixed income to answer that question. Tony Crescenzi from PIMCO discusses the bond market like a supermarket with 150 trillion dollars worth of aisles, and explains why knowing which shelf to shop from could matter as much as anything else in your portfolio.In this episode of The Free Lunch Podcast, they get into inflation thresholds, starting yields, global diversification and why active management tends to win in bonds in ways it often doesn't in stocks.

That 12% yield might sound incredible. Until you find out what it is based on.Structured notes are often marketed as the best of both worlds — income, protection, and upside. But Colin and Greg argue you can’t have it all, and that the tradeoffs matter.In this episode of The Free Lunch Podcast, they break down what structured notes are, how the payout is generated, and why keeping things simple may be a better fit for some investors.

Greg makes the case on The Free Lunch Podcast that the investors who struggle most aren't the ones lacking knowledge. They're the ones who can't ask themselves: "What if I'm wrong?"Colin and Greg unpack why decorum and diplomacy, the same things missing from today's geopolitical headlines, are actually core investing skills. Staying composed when markets test your patience isn't weakness, it’s a meaningful advantage over time.

Does watching financial news actually make you a better investor?Colin and Greg dig into that question on this week's episode of The Free Lunch Podcast, breaking down how financial media is designed to create urgency, not returns, and what that can do to investor behaviour over time.If you've ever felt the urge to do something with your portfolio after watching the news, this one's worth a listen.

Investing well is supposed to be boring.Most people think great investing means staying on top of the markets, catching the right stocks, and making smart moves. Colin and Greg would say that's exactly the problem.In this episode of The Free Lunch Podcast, they use DIY home renovation as a surprisingly perfect analogy for what goes wrong when people manage their own money. The mistakes aren't usually the ones you see coming.

The "RRIF meltdown" strategy is everywhere online right now, but the advice rarely accounts for your actual situation.In this episode of The Free Lunch Podcast, Colin and Blair break down what a meltdown strategy actually is, when it might make sense, and why doing it just because someone told you to can quietly cost you more in tax than you ever saved. The math matters more than the marketing.

In this episode of The Free Lunch Podcast, Colin and Blair walk through a real conversation many investors are having right now: “Should we get out before it gets worse?”The instinct is understandable. But the plan often becomes selling when markets are down, waiting, and then buying back in when things feel better.That’s not strategy, it's emotion, and it’s one of the fastest ways to derail long-term returns.