Dave Chilton

We are so lucky in Canada to have a lot of these people online.

I think they're better than any of the US people I see.

Brian, can you imagine when I used to have to do all those calculations with no computers?

Like that's how old I am.

So I literally did pen to paper to prove all of this stuff.

And it's absolutely crazy.

I think you've done a very good job, by the way, of talking about tax efficiency.

You do more of that probably with your CPA background.

You're naturally wired to think that way than many of the other financial educators, me included.

And I think you've really brought home again that trying to compete with these registered accounts with non-registered money, holy smokes, it is difficult to do.

In fact, let's be honest, it's impossible to do if you're using the same investments within the two.

It doesn't make any sense.

You're not going to be able to keep up.

We still battle misunderstandings around RSPs and the fact that people don't realize they are as good as they are.

Walk us through some of your thinking there.

Really?

It's crazy.

This all started about 10 years ago, I would say.

And it's picked up momentum.

And now you have some really smart people like you, Mark McGrath out there explaining, no, you're, you're off on this.