Make Money Count

Make Money Count

Welcome to Make Money Count, a podcast focused on the Canadian economy, Real Estate, and your mortgage. We’d love it if you’d join us as we explore options that put dollars back into the average Canadian’s pocket. Subscribe for new episodes weekly!

Episodes

August 4, 2026 16 mins

What if the biggest banks in Canada showed up to the same party and couldn't agree on anything?

In this episode of Make Money Count, Marcus and Justin imagine exactly that: RBC, TD, BMO, and Scotiabank, all in one room, all asked the same question about where rates go next. Three of them show up with nearly the same answer. One of them shows up ready to argue.

We break down:

  • Why RBC, TD, and BMO al...
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Is the Iran conflict quietly deciding your mortgage rate?

In this episode of Make Money Count, Marcus and Justin break down why a war most people have stopped watching is doing something nobody expected to bond yields, oil prices, and the rate you pay every month.

We break down:

  • Why Trump's all in negotiating strategy worked on Canada, the EU, and South America, but is backfiring against Iran
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Did Hollywood actually get mortgages right?

In this episode of Make Money Count, Marcus and Justin react to some of Hollywood's most famous mortgage moments, and the gap between fiction and reality is bigger (and smaller) than you'd expect.

We break down:

  • What subprime really meant in The Big Short, and why it's not the same as today's A-minus or alt-A lending
  • How that ...
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Is the Fed about to break your mortgage plans?

In this episode of Make Money Count, Marcus and Justin break down new Fed Chair Kevin Warsh's very first policy meeting, and why it didn't go the way most people expected.

We break down:

  • Why Warsh, Trump's own pick, spent his first meeting talking about inflation instead of cutting rates
  • How the Fed's "dot plot" flipped fro...
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Is Canada sitting on the biggest real estate opportunity in years?

In this episode of Make Money Count, Marcus and Justin break down exactly what is happening in Canada's housing market, why prices are 20% off peak, and why most Canadians are still too scared to move.

We cover:

  • Why housing is 20% off peak and what nine quarters of affordability improvements actually mean
  • Read more
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Is Canada headed for a rate hike nobody saw coming?

In this episode of Make Money Count, Marcus and Justin sit down days before the Bank of Canada's June 10th meeting to break down exactly what's happening with interest rates, inflation, and your mortgage renewal.

We break down:

  • Why a rate cut on June 10th is basically off the table
  • How Canada ended up in a recession wi...
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Is your bank quietly working against you?

In this episode of Make Money Count, Marcus and Justin get into the mortgage conversation most Canadians never get to have. With bond yields climbing and fixed rates on the move, knowing what to do and when to do it could be the difference between a great mortgage and an expensive mistake.

We break down:

  • Why you should never trust your bank to give you the ...
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Is your mortgage renewal about to get a lot more expensive?

In this episode of Make Money Count, Marcus and Justin dig into Canada's April CPI numbers and why the story behind the data is one every Canadian borrower needs to hear. Gas prices at a record high, groceries quietly bleeding your budget, and fixed rates with nowhere to go but up. A lot is happening right now and most people do not even see it coming.

We break down:

    ...
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Is the jobs report even real anymore?

In this episode of Make Money Count, Marcus and JT sit down to talk about something that's been quietly building behind the scenes, and the cracks are getting harder to ignore. From a federal agency that's lost its data collectors to a treasury yield that hasn't been this high in years, a lot is happening beneath the surface that every Canadian borrower needs to understand.

We break down:

    ...
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Is Canada's economy quietly cornered?

In this episode of Make Money Count, Marcus and Justin sit down to talk about something that's been building for a while now, and the numbers are getting harder to ignore. From a record-breaking gas price spike to an inflation figure that caught even the banks off guard, a lot is happening beneath the surface that every Canadian borrower needs to understand.

We break down:

  • Read more
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Is Canada actually in as much trouble as everyone's saying? The Bank of Canada just revealed something they’ve been quietly doing for 23 years and most Canadians have absolutely no idea.

In this episode of Make Money Count, Marcus and Justin break down what the Bank of Canada's own data is telling us, why global chaos is hitting closer to home than you think, and what all of it means for your mortgage right now. This isn't ju...

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Is your variable rate mortgage actually safe? The Bank of Canada just made a move that every Canadian homeowner needs to know about and most people have no idea it's even happening.

In this episode of Make Money Count, Marcus and Justin break down the repo market, why hedge funds are flooding into Canadian bonds, and what all of this means for your mortgage rate. This isn't just financial noise, it directly affects what you pay ev...

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Is Canada’s condo market quietly breaking?

In this episode of Make Money Count, Marcus and Justin dive into the condo market,  and what they uncover is hard to ignore. From record-low sales numbers to massive unsold inventory, the data tells a story most people aren’t talking about openly.

We break down:

  • Why condo sales are hitting levels not seen since the early ’90s
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In this episode of the Make Money Count Podcast, we break down how global events like war, rising oil prices, and inflation could impact mortgage rates in Canada.

Oil prices have already surged more than 20%, and markets are reacting fast. When energy prices rise, inflation often follows, and that can directly influence interest rates and mortgage costs.

So what does this mean for homeowners and anyone renewing their mortgage?

In t...

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Your mortgage is renewing, and it’s not going to feel like it did five years ago.

If you locked in a 1.39% -- 1.49% mortgage, your renewal could mean a $800–$1,000 jump in monthly payments. In this episode of Make Money Count, Marcus and Justin break down how mortgage renewals really work in today’s high-rate market, and how to optimize your decision instead of blindly accepting the bank’s offer.

In this epi...
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In this episode of Make Money Count, we break down what’s really happening with interest rates, employment numbers, and inflation, and why Canada and the U.S. are taking completely different paths.

We unpack the latest unemployment data, bond yield signals, and CPI expectations, then compare the Bank of Canada’s “hold the line” approach with the U.S. strategy of cutting rates to fuel productivity and AI inve...

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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 confide...

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January 10, 2026 15 mins

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 ou...

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The Bank of Canada finally cut rates — but what does that really mean for homeowners? Marcus breaks down why this rate cut isn’t as simple as it sounds, and what Canadians should prepare for next.

Listen now for real talk on what’s ahead for your mortgage, inflation, and the economy.

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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: I...

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