Make Money Count

What’s really going on with Jerome Powell, and why are global markets paying attention?

In this episode of Make Money Count, we break down the growing tension between the White House and the U.S. Federal Reserve, and why this story goes far beyond political drama. From legal pressure on Fed officials to concerns over central bank independence, this is a moment that could reshape interest rates, inflation, and investor confidence wo...

Make Money Count is back. 🎙️

After a short break, Marcus returns with a solo deep dive into where the Canadian economy truly stands as we enter the new year—and why the next phase may depend on a careful balancing act between the Bank of Canada and the federal government. This episode goes beyond headlines.

Marcus connects global political developments, energy markets, bond yields, and interest rates to explain how events outside ...

In this episode, Marcus and Justin reveal what’s really keeping grocery prices high, what the Bank of Canada might do next, and how smart borrowers can use this moment to their advantage.

They dig into: • Why food prices in Canada refuse to drop • How the grocery market structure keeps costs high • What the next rate decision could mean for your mortgage • The surprising price gap between Canada and the UK

The takeaway: Inflati...

AI is moving fast, and it’s already changing the way mortgages are handled. In this episode, Marcus dives into how AI tools like ChatGPT are analyzing mortgage scenarios, calculating penalties, and even projecting rates—but can they really replace human advisors?

We discuss:

• How AI is disrupting mortgage and finance roles
• Why basic mortgage advice is no longer enough

Trump met Carney — and on the surface, nothing happened. No new tariffs, no clear trade progress… just smiles and handshakes. But while everyone focused on political optics, bond yields quietly continued to fall, signaling a major shift for Canadian homeowners and anyone locked into a high fixed-rate mortgage.

In this episode of Make Money Count, Marcus and Justin break down:

• Why "nothing happened"...

Toronto’s housing market is at a crossroads. Interest rates are easing, but condo supply is piling up, and defaults are on the rise. Will prices bounce back soon, or is there more pain ahead for homeowners and investors?

In this episode of Make Money Count, Marcus and Justin break down:

✔️ Why condo prices may dip further

✔️ The impact of rising defaults and arrears

✔️ What falling interest rates really mean

✔️ Why consumer confide...

In this episode of Make Money Count, Marcus & Justin discuss Deloitte’s latest report on the Canadian economy and share their take on what it really means for 2025–2026. From CUSMA negotiations with the U.S. to tariffs, trade uncertainty, and your mortgage options, Marcus breaks it down. - What you’ll learn in this episode:

- Why trade uncertainty could slow the Canadian economy

- The real risks behind CUSMA negotiations

- Ho...

The Bank of Canada just cut its overnight rate by 25 basis points, bringing it to 2.5%. But what does this mean for your mortgage, housing prices, and the Canadian economy? In this episode, Marcus breaks down:

• Why did the U.S. and Canada cut rates on the same day
• What’s really happening with inflation and the labor market
• Why variable mortga...

They thought they were consolidating debt. Instead, they lost a 0% interest loan, and the bank didn’t even tell them.

In this episode of Make Money Count, Marcus and Justin break down a real-life horror story featured in The Globe and Mail, where a Canadian couple trusted their bank to help refinance their debt. What happened next? Their 0% First-Time Home Buyer loan was paid off without consent, costing them thousands and leavin...

Should mortgage brokers get access to your CRA data? In this episode of Make Money Count, Marcus and Justin dive into a recent CRA roundtable that could reshape the mortgage industry in Canada.

We’re talking:

• Income verification & fraud prevention
• Why the banks are NOT pushing for transparency
• The hidden cost of mortgage fraud

In this episode of Make Money Count, Marcus and Justin discuss the Bank of Canada’s latest reports and what they say about Canada’s economic health.

• Business sentiment? Still shaky.
• Job security? People are worried.
• Consumer spending? Slowing fast.

With inflation staying sticky and interest rates stuck in place, we might be headed s...

Why are Canadian interest rates stuck? On this Make Money Count episode, Marcus & Justin break down the latest CPI numbers and explain why the Bank of Canada isn't cutting rates soon – and what it means for your wallet.

We cover:

• Stubborn Core Inflation: Even with overall CPI cooling, core inflation is still too high.
• The Tariff Impact: How tariffs are driving up pr...

Are Canadian banks giving you biased financial advice? In this episode of Make Money Count, Marcus & Justin break down a recent Globe and Mail article that reveals how big banks are pressuring their advisors to meet sales targets, often at your expense. From mutual funds with hidden commissions to GICs and mortgage negotiations, this episode uncovers the truth behind the polished smiles at your local branch.

- What’s really beh...

TD Bank’s latest report says mortgage payments are dropping, but is it really good news? In this episode of Make Money Count, Marcus and Justin break down what’s happening in the Canadian mortgage market.

✅ Why are payments down even with high interest rates?

✅ What does a 57% rise in Toronto delinquencies mean?

✅ Are you part of the 40% of Canadians who’ll feel the pain at renewal?

✅ Can you push your amortization or tap into equi...

In this week’s episode of Make Money Count, Marcus and Justin break down the growing trade tensions between Canada and the U.S. From Trump’s unpredictable tactics at the G7 to the looming threat of tariffs, this episode explores how Canada’s economy and over 500,000 jobs could be impacted.

Topics covered:

• Trump’s negotiation style: strategy or chaos?
• Why the U.S. doesn...

In this episode of Make Money Count, Marcus and Justin revisit their bold 2024 predictions for detached homes, semis, townhouses, and condos... and compare them to what actually happened.

They also break down the latest housing reports from RBC, TD, and Oxford Economics, who each have wildly different takes on where the market is heading next.

👉 Are prices going up or crashing down?

👉 Is affordability real or just a temporary...

In this episode of Make Money Count, Marcus and Justin dive into the latest Equifax report that shows credit delinquencies have hit their highest levels since 2009.

• Did you know 1 in 22 Canadians missed a payment in Q1 2024?
• Mortgage delinquencies are up 71% year over year.
• Cities like Toronto and Ottawa are seeing double-digit spikes in m...

Are you settling for low returns on your GICs just because your bank said it’s the “best rate”? Think again.

In this episode of Make Money Count, we’re diving deep into Guaranteed Investment Certificates (GICs) and exposing how Canada’s big banks are holding back, sometimes up to 1% less than what you could be earning elsewhere.

Find out:

• Why banks offer lower GIC rates than other providers