Unconventional Wisdom
Welcome to the Unconventional Wisdom podcast. The show that helps you achieve financial security & freedom. Insights based on in-depth experience from Canada's #1 financial planner blogger. Find out what really works. Your host, fee-for-service financial planner & tax accountant, Ed Rempel.
Episodes
Is it risky to retire when the stock market is at an all-time high?
It's a question I get all the time, and the conventional wisdom is usually that you should worry about sequence of returns risk and protect part of your portfolio by moving money into cash or fixed income.
But what does the historical data actually show?
In my latest podcast episode I look at:
You're earning a full-time income, paying your bills, and still wondering: where did all my money go?
That feeling is more common than you might think.
In Sabiha Mukadam's latest blog post, video and podcast for the Youth Corner she shares a simpler way to approach budgeting without making it feel restrictive.
She covers:
Sabiha Mukadam has a new podcast episode on debt after separation and how to regain control without panic.
Separation can create significant financial pressure through legal fees, moving costs, two households and debts that may still be shared.
She covers:
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The 3 types of post-separation debt
Are free markets really responsible for inequality, poverty, financial crises and declining living standards?
I constantly read books, and The Triumph of Economic Freedom by Phil Gramm & Donald Boudreaux was a wonderful eye-opener. I believed a couple of these myths myself.
In my latest article, video and podcast, I look at 7 common myths about capitalism, free markets and economic freedom...
What should you actually do with your first real paycheque?
In this podcast episode, Sabiha Mukadam shares a practical approach for young professionals who are starting to earn a full-time income and want to build good financial habits early.
She discusses:
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Why automatically saving part of every paycheque can be so powerful
<...
Estate planning is about more than having a will in place.
For couples, it's also about making sure the financial pieces continue to work together if life changes unexpectedly.
In Sabiha Mukadam's latest article, video, and podcast episode she looks at how trusts can help Canadian couples create greater clarity and continuity around their wealth and estate plans, including:
What does it really take to build lasting financial freedom?
It's not reacting to every headline, market swing or economic forecast.
It's having a clear financial plan, and staying focused on it through the noise.
In this mid-year update, I discuss:
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Why your financial plan is really a life plan
- Read more
Credit can feel intimidating when no one has taken the time to explain it clearly.
In this podcast episode Sabiha Mukadam, breaks down how credit works in Canada and shares some simple habits that can help you use it with more confidence and less stress.
She covers:
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The difference between a credit report and a credit score
When life changes after a loss, divorce, or separation, you may suddenly find yourself responsible for financial decisions that once belonged to two people, or that someone else handled entirely.
The pressure to make immediate decisions can feel overwhelming.
But you don't need to solve your entire financial life today.
In Part 1 of this practical series on rebuilding financ...
Many Canadians have heard of the Smith Manoeuvre.
Many are also self-employed and don't realize they could be using the Cash Dam. How do they fit together in a real financial plan?
I break down what each strategy is, why it works, when each strategy works, whether combining them can improve results, and what to watch out for.
Learn how to think about these strategies in the ...
Most Canadians are taught one simple lesson:
"Debt is bad."
But real life isn't that simple.
Not all debt is created equal.
Borrowing to finance a vacation is very different from borrowing to invest in your education.
A credit card balance charging 20% interest behaves very differently from money compounding inside a TFSA.
Understanding that ...
Many people think of the Smith Manoeuvre as a single strategy, but it's actually a flexible framework with several different approaches.
In this episode of Advice from the Sage Owl, Sabiha Mukadam explores the eight most common Smith Manoeuvre strategies and explains how different approaches may suit different financial situations and long-term goals.
In this episode, you'll learn:
- ...
Most people go through life and at some point wake up and realize they should be doing something smarter with their money.
When you reach that inflection point, what should you do and what are the few fundamental basics that you need to know?
Many retirement plans are designed to feel safe, instead of giving you freedom.
Safety usually comes at the cost of long-term gr...
In this episode, Sabiha explores a question many young Canadians are asking:
Is the financial system broken for Gen Z, or does long-term success depend on choosing to participate anyway?
With housing affordability out of reach for many, rising living costs, and growing economic uncertainty, financial pessimism can feel entirely justified. But what if the biggest financial risk isn't the system...
If you're using the Smith Manoeuvre or considering a re-advanceable mortgage, this 2026 update is essential. Which readvanceable mortgage is best for you for the Smith Manoeuvre?
The rules have changed.
Following new OSFI regulations, Canada's major banks have implemented re-advanceable mortgages differently, changing which lenders now offer the best experience for building wealth.
Read more
For many Canadians, homeownership is about much more than a financial investment. It's where we build our lives, raise our families, and create lasting memories.
Most homeowners focus on paying off their mortgage as quickly as possible. But what if there was another way to strengthen your financial future at the same time?
In this episode, Sabiha explores the Smith Manoeuvre—a strategy t...
♦Retirement Tax Shock: Why Many Canadians Pay More Tax Than Expected♦
Most Canadians expect to be in a lower tax bracket in retirement.
But many end up paying more tax than they expect.
How do tax brackets change after age 65 and why can common assumptions about RRSPs and retirement income lead to higher lifetime taxes?
Here are practical strategies to red...
🎓 Youth Corner with Sabiha Mukadam
Most people don't think much about banking until that first real paycheck arrives.
Suddenly, money is coming in, and just as quickly, it's going out.
In this episode, Sabiha explains how banking actually works, the difference between chequing and savings accounts, debit cards versus credit cards, and the simple habits that can help young adults ...
The longevity movement is transforming how we think about aging—not as an inevitable decline, but as a challenge we can overcome with science, technology, and smart choices.
Many experts believe we're on the cusp of dramatically extending healthy lifespans.
I'm on a longevity and healthspan journey.
I'm not an expert in longevity, but I'm continuously learning, and it's all ...
Many people know they should think about financial planning, yet often put it off for years.
Not because they're irresponsible.
More often, it's because of common beliefs such as:
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"I'm not wealthy enough yet."
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"I can figure it out myself."
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