Foundational Planning - Season 1, Episode 1
February 1, 2025, at 1:00:27 PM
We will look into the foundational aspects of retirement planning. We will dive deep into the three major expenses that all Canadians pay and how the conventional wisdom about how you are currently paying those bills may not be in your best interest and delaying your retirement, that is why you need to challenge the conventional wisdom and also have fun doing it. We also expose the reasons behind retirement failures and explore alternative modern solutions that are reserved for the wealthy few by large institutions. To do that I will share with you three universal rules of money during the second half of the show that you must absolutely follow if you want to make your money work hard for you so that you can achieve financial freedom and stop working soon.
Foundational Planning - Season 1, Episode 2
Date: Feb 8, 2025 | Time: 1:00:27 PM
“Rethink Your Retirement” explores the core aspects of retirement planning, challenging conventional wisdom and addressing key financial questions. First, taxes—an unavoidable part of life in Canada—impact earnings, spending, savings, investments, and even estates. Understanding these implications is essential for achieving retirement goals. Next, the three ways money is taxed: “tax me as I go,” “tax me later,” and “tax me never.” Alongside this, three universal rules of money apply: earn uninterrupted compounding interest, pay the right amount of tax, and protect your principal investment. Discover strategies to maximize wealth and achieve true financial freedom.
"Rethink Your Retirement" Foundational Planning - Season 1, Episode 3
February 15, 2025, at 1:00:27 PM
This episode of Rethink Your Retirement with host Sunny Kochar focuses on the foundational aspects of retirement planning. It emphasizes the importance of financial efficiency, smart tax strategies, and long-term wealth protection. The episode recaps key principles from previous episodes, such as the three universal rules of money—earning uninterrupted compound interest, paying the right amount of tax, and protecting principal investments. A major segment introduces the All-Weather Portfolio, a strategy pioneered by Ray Dalio, designed to perform well in any economic condition. The episode explores diversification across four key asset classes—stocks, bonds, cash, and alternative investments—to build resilience against market fluctuations. The host highlights long-term planning, strategic asset allocation, and avoiding emotional decision-making in investing. The episode concludes with a recap of the six steps to financial freedom and encourages listeners to rethink conventional retirement planning for a more secure future.
"Rethink Your Retirement" Foundational Planning - Season 1, Episode 4
February 22, 2025, at 1:00:27 PM
In this episode of "Rethink Your Retirement," we’re wrapping up our foundational series on retirement planning by bringing everything together into a clear path toward financial freedom. Over the past three episodes, we've challenged conventional wisdom, exposed the hidden traps of traditional retirement planning, and introduced powerful, tax-efficient strategies used by the wealthy. We’ve discussed how Canadian professionals lose 30-40% of their income to taxes before even seeing their paycheck, leaving little room for long-term wealth-building. We also explored the three universal rules of money—earning uninterrupted compounding interest, paying the right amount of tax, and protecting your principal investment—along with the All-Weather Portfolio strategy for financial resilience. Today, we’ll break down the 6 Sequential Steps to Financial Freedom, guiding you toward a tax-efficient, wealth-building roadmap that can help you retire early and stay wealthy. By understanding where to put your money, what results to look for, and how to navigate taxation efficiently, you can break free from the paycheck-to-paycheck cycle and take control of your financial future—just like the elite do. Let’s dive in!
"THE OLD REULES DOES NOT APPLY - SEASON 2 - Episode- 1"
March 1, 2025, at 1:00:27 PM
In this episode, we explore the foundational principles of financial freedom, uncovering the key reasons why many Canadians struggle with retirement despite earning well. We discuss the three universal rules of money—earning uninterrupted compounding interest, paying only the right amount of tax, and protecting your principal investment. We also break down the six sequential steps to financial freedom, covering tax efficiency, debt management, asset protection, wealth creation, and legacy planning. Additionally, we challenge common retirement myths, including the idea that 65 is the "magic number" for retirement and the misconception that government pensions alone can sustain a comfortable lifestyle. By rethinking traditional financial strategies and adopting a proven framework, you can take control of your financial future and build lasting wealth.
"RETIREMENT STRATEGIES FOR 2025 – SEASON 2 – EPISODE 2"
March 8, 2025, at 1:00:27 PM
The episode challenges traditional retirement planning approaches, particularly the heavy reliance on RRSPs. Host Sunny Kochar questions whether the assumption of lower tax rates in retirement holds true for everyone, especially those aiming for a comfortable lifestyle. He highlights how blindly maxing out RRSPs without considering long-term tax implications can lead to unexpected financial strain. Using Sarah's example—a diligent saver who ends up paying high taxes on RRSP withdrawals—he illustrates how conventional strategies can backfire. Instead of following one-size-fits-all advice, he urges Canadians to explore tax-efficient alternatives like TFSAs, corporate structures, and diversified investment approaches. The episode sets the stage for a deeper discussion on smarter financial planning beyond the usual retirement myths.
"The FHSA vs. TFSA Showdown: Which Wins for Young Canadians? – SEASON 2 – EPISODE 4"
March 22, 2025, at 1:00:27 PM
This episode of Rethink Your Retirement challenges outdated financial advice and provides strategies for financial freedom. It highlights how high taxes, mortgage costs, and debt leave many Canadians struggling despite hard work. The host introduces three universal money rules (compounding interest, tax efficiency, and protecting investments) and explains the All-Weather Portfolio, a strategy for stable, diversified investing. Viewers learn six key steps to financial freedom, covering tax mastery, debt management, asset protection, emergency funds, wealth creation, and legacy planning. The episode encourages Canadians to take control of their finances and rethink conventional retirement strategies.
"Cracking the Code: How Canadian Professionals Can Secure Early Retirement Despite Economic Headwinds5 – SEASON 2 – EPISODE 5"
March 22, 2025, at 1:00:27 PM
In this episode, the discussion focuses on why many high-income Canadian professionals still feel financially insecure about retirement. Key challenges such as inflation, rising taxes, and economic uncertainties are examined, along with why traditional strategies like aggressively paying off a mortgage and contributing to a group RRSP may not be the most effective approach. Instead, a six-step framework for achieving early and financially secure retirement is introduced, along with the four-bucket investment strategy to protect assets during economic downturns. The episode also explores the role of real estate in retirement planning. Listener questions address topics like starting retirement planning in the late 30s and incorporating real estate into a financial strategy. Free resources are available at Hexavision.ca.
"Navigating Your Finances in 2025 – SEASON 2 – EPISODE 6"
April,6 2025, at 1:00:27 PM
In this episode of Rethink Your Retirement, Sunny Kochar discusses key financial trends impacting Canadians in 2025, including retirement preparedness (with RBC poll findings showing Canadians estimate needing ~$846,437 on average but only 51% have a financial plan), global economic uncertainties (U.S.-China trade tensions affecting markets and housing, with TD Economics predicting a 3.2% home price decline), and interest rate trends (potential cuts from 5% to 2.25% by late 2025). Listeners are advised to diversify investments, plan for retirement using tools like Hexavision’s free resources, and stay informed on housing and economic shifts, while always consulting professionals for personalized advice. The episode emphasizes proactive financial management amid evolving economic challenges.
Rate Cuts & Trade Jitters 2025 – SEASON 2 – EPISODE 7"
April,12 2025, at 1:00:27 PM
In this episode titled "Rate Cuts & Trade Jitters," Sunny Kochar breaks down the Bank of Canada’s recent interest rate cuts (now at 2.75%) and their mixed implications for mortgages, savings, and inflation amid U.S. trade tensions. He advises homeowners to weigh fixed vs. variable rates carefully, urges savers to ladder GICs, and highlights a cooling housing market. Key action steps include building emergency funds, consulting mortgage brokers, and avoiding emotional investing. The episode underscores proactive planning to navigate economic uncertainty while staying focused on long-term financial goals.