Build Wealth Canada Podcast

David Chilton: Safe Withdrawal Rates, ETFs, & Finding Purpose Before and After Financial Independence

03 Dec 2025

Contributed by Lukas

One of my favourite types of interviews is when I get to interview someone who has hit their financial independence or retirement number early, and th...

Lessons From 400+ Interviews on Canadian Financial Independence & How to Achieve and Protect Your Early Retirement

20 Oct 2025

Contributed by Lukas

Today, we have a Canadian guest who has literally done over 400 interviews with different personal finance experts over the years, many of which were ...

The Canadian Guide to Index Investing & Rethinking Your "Safe" Money

29 Sep 2025

Contributed by Lukas

In this episode, my goal was to make it relevant for both types of listeners: First, for those who are just getting started in do-it-yourself investin...

The One Habit Every Financially Independent Person Shares

03 Jul 2025

Contributed by Lukas

Links to speak to today's guests: Thuy Lam: buildwealthcanada.ca/plan Alanna Abramsky: broadmoney.ca After conducting hundreds of interviews over the ...

Surviving Stock Market Crashes: Real-World Experiences and Strategies for Canadians

14 May 2025

Contributed by Lukas

Have you ever felt that knot in your stomach watching the stock market tumble, especially after you've just invested some of your hard earned money? H...

The Hidden Barriers Between You and Financial Freedom

30 Apr 2025

Contributed by Lukas

Today's episode is a must-listen for anyone who's ever felt confused, anxious, or just plain stuck when it comes to money. We're diving deep into the ...

How Canada's Top Finance Creators Actually Invest Their Own Money

10 Apr 2025

Contributed by Lukas

Today I'm excited to have a panel discussion with some of the largest personal finance and investing personalities, here in Canada. Together they have...

Important Tax & Investing Changes for 2025 (for Canadians)

27 Mar 2025

Contributed by Lukas

Today, we're going to cover what you need to know from a tax, investing, and financial planning perspective as all our taxes become due here in Canada...

Are You Overpaying on Your Mortgage? New Mortgage Rules, the Impact of Tariffs, and the Fixed vs Variable Rate Mortgage Dilemma

27 Feb 2025

Contributed by Lukas

If you own a home, are thinking about buying or selling a home, or have a mortgage renewal coming up, today's episode is here to help you make the bes...

Planning Your Own Retirement: A Rare Peek into a Canadian Financial Planner's Playbook

30 Jan 2025

Contributed by Lukas

Have you ever wondered how financial planners in Canada plan their own retirement once they decide to retire? Our guest today is a recurring guest tha...

How to Optimize Your Investments and Taxes for 2025 (for Canadians)

29 Dec 2024

Contributed by Lukas

With the end of the year arriving and the new year starting shortly, there are certain deadlines that you should be aware of every year, from an inves...

The Complexities of Transitioning Your Savings Into Income in Retirement (For Canadians)

21 Nov 2024

Contributed by Lukas

Today, we tackle one of the most intricate financial puzzles faced by Canadians: transitioning from accumulating wealth for retirement to effectively...

5 Major Lessons Learned When Managing Your Retirement Finances (In Canada)

16 Oct 2024

Contributed by Lukas

On today's episode we have another Canadian guest, Kyle Prevost, who achieved financial independence at an early age (he was able to pull it off in hi...

Protecting Your Net Worth (For Canadians): What Insurance Do You Need?

02 Oct 2024

Contributed by Lukas

We all spend decades accumulating and growing our net worth, along with many hours of research and studying to optimize our investments and minimize o...

Financial Lessons Learned After 10 Years of Interviews on the Build Wealth Canada Podcast

21 Aug 2024

Contributed by Lukas

This interview will be a bit different as I was recently interviewed by Financial Journalist, Ellen Roseman from Canadian MoneySaver Magazine where sh...

The Top Money Blind Spots and Questions Canadians Have

30 Jul 2024

Contributed by Lukas

In this episode, I interview two professional financial planners to discover what are the most common questions that they receive when working with Ca...

How to Live Off Your Investments in a Sustainable, Stress-Free, and Tax Efficient Way in Canada. Featuring Ed Rempel, CFP

20 Jun 2024

Contributed by Lukas

When we first hit our financial independence number 8 years ago, one of the financial planners that I asked to look at our numbers before my wife and ...

Avoiding the Yield Trap: Are You Too Focused on Generating Income From Your Investments?

30 May 2024

Contributed by Lukas

Having your investments pay you large dividends or yield sounds great. It's truly passive income where money just shows up in your account without you...

How to Prevent Fraud in Your Accounts in Canada

16 May 2024

Contributed by Lukas

A big thanks to RBC for sponsoring this episode. We talk a lot about growing our net worth as Canadians, but what about actually protecting our assets...

The Top Investing Mistakes Canadians Make

09 Apr 2024

Contributed by Lukas

When it comes to managing our investment portfolios, there are definitely some mistakes that are easy to make, and ones that a lot of Canadian investo...

How to Save Money on Your Mortgage + 2024 Housing & Interest Rate Update

05 Mar 2024

Contributed by Lukas

With inflation slowing down here in Canada, we are starting to hear talks about the Bank of Canada no longer planning to increase our interest rates,...

Important Tax & Investing Changes for 2024 (for Canadians)

25 Jan 2024

Contributed by Lukas

Today, we're going to cover what you need to know from a tax, investing, and financial planning perspective as we head into this new year. As you know...

Where to Park Your Cash? Regulatory Changes & What Are Your Options in Canada?

13 Dec 2023

Contributed by Lukas

We've all heard of high interest savings accounts that we can open up at our bank. But is that always our one and only best option when it comes to w...

How to Live Off Your Investments in Canada - Kyle Prevost

15 Nov 2023

Contributed by Lukas

In this episode, you're going to learn: How to deal with the volatility of the stock market, once you are financially independent and are living of...

4 Steps to a Worry-Free Retirement in Canada - Kyle Prevost

10 Oct 2023

Contributed by Lukas

In this episode, our guest Kyle Prevost is going to take us through how much we need to retire, as Canadians, and how much can we sustainably withdraw...

Paying Less in Interest, Getting the Right Mortgage (New or Renewal), Handling the Higher Interest Rates in Canada

06 Sep 2023

Contributed by Lukas

With the multiple interest rate hikes that we've been experiencing here in Canada, many Canadians have seen their monthly cashflow take a hit, whether...

Lessons on Mastering Money in Canada - Featuring Fred Masters

01 Aug 2023

Contributed by Lukas

Today we have Canadian author and speaker Fred Masters on the show. Fred has been a professional financial educator for decades here in Canada. He spe...

How to Optimize Your Investments to Pay the Least in Tax (for Canadians)

21 Jun 2023

Contributed by Lukas

Today, you're going to learn how you can save money on your investments, by having the right investments, in the right accounts so that you pay as lit...

How Much Should You Optimize Your Investment Portfolio? The Pros and Cons of Each Approach

14 Jun 2023

Contributed by Lukas

Today, you are going to learn about how much you can save in fees and taxes on your investments, depending on how much time you want to spend optimizi...

Ask Kornel: Should I Switch My Investments? Should I Be Worried? Are My Investments Falling Behind?

07 Jun 2023

Contributed by Lukas

Today I'm going to be answering your questions, to help you out as much as I can in the world of personal finance and investing, here in Canada. We'...

How to Raise Money Smart Kids, Teens and Young Adults

31 May 2023

Contributed by Lukas

It's graduation season here in Canada, so we thought it would be good to focus this episode on parents with kids, those with nieces and nephews, as w...

Active vs. Passive Investing: Interview with S&P (S&P 500, Dow Jones) & How to Choose the Right ETFs

25 May 2023

Contributed by Lukas

In this episode, I interview S&P, the creator of the S&P 500, Dow Jones, and many other popular indices used around the world by millions of investors...

Financial Independence Case Study and How You Can Retire Early

19 May 2023

Contributed by Lukas

Today we have a great case study of somebody that I really respect, and who has been able to achieve financial independence, at a really early age. I ...

How to Maximize Your Inheritance in Canada (and minimize your fees)

10 May 2023

Contributed by Lukas

One critical topic that can have a substantial financial impact on both us and our loved ones, is the subject of inheritance, and how to ensure that y...

A DIY Investor's Guide to Determining Your Financial Independence Number and Sustainable Withdrawal Strategy

11 Apr 2023

Contributed by Lukas

Today's guest is Jason Heath, one of Canada's best known fee-only financial planners that you've probably seen in all sorts of media here in Canada ov...

Rising Interest Rates, New Mortgage Rules, and Variable vs Fixed Mortgages in Canada for 2023

08 Mar 2023

Contributed by Lukas

With the significant increase in interest rates over the past year, and with home buying and selling season right around the corner, I thought it woul...

Finding Your Financial Independence Number and How to Live Off Your Portfolio

15 Feb 2023

Contributed by Lukas

It's RRSP season here in Canada. Remember that March 1 is the deadline for contributing to an RRSP, and have it count towards your 2022 tax year.  ...

How to Live Off Your Investments and How Much Do You Need? Featuring Ed Rempel

17 Jan 2023

Contributed by Lukas

In this episode, I interview one of the most experienced Canadian financial planners that I know, and who I tend to go to when I have any complex tax ...

How to Retire in Your 30s on Two Teacher Salaries (A Case Study and Practical Guide)

16 Nov 2022

Contributed by Lukas

Today we have another financial independence case study to learn how a real-life couple here in Canada were able to reach their financial independence...

Should You Do Any Active Investing? and a Financial Independence Case Study

08 Nov 2022

Contributed by Lukas

Many Canadians tend to dabble in at least a bit of active investing, picking individual stocks, even if they consider themselves primarily total marke...

A Financial Independence Case Study: How to Achieve Early Retirement and Happiness With Jordan Grumet

01 Nov 2022

Contributed by Lukas

Today we have a case study of someone that was able to pull off an early retirement (we get to learn how he did it, and apply those lessons to our own...

Best ETFs in Canada - Featuring MoneySense and Ben Felix

25 Oct 2022

Contributed by Lukas

One resource that I check out every year is MoneySense's "Best ETFs in Canada" guide. They bring on a panel of experts to find Canada's top ETFs for D...

Vanguard ETFs in Canada: Your Top Questions Answered, Right From the Source

18 Oct 2022

Contributed by Lukas

If you've done any sort of research on index investing and ETFs, then I'm almost certain you would have heard of Vanguard, as they are one of the pion...

How to Optimize for Financial Independence (Investing, Budgeting, Money Management Optimizations) with Brandon Beavis

11 Oct 2022

Contributed by Lukas

Today I have Brandon Beavis on the show who runs one of, if not THE largest YouTube channels on investing, specifically for Canadians. He has over 187...

How to Protect Yourself From Inflation

04 Oct 2022

Contributed by Lukas

Today I have one of, if not THE largest financial literacy educators in Canada on the show, and we're going to go over some practical tips to deal wit...

Should You Use Options In Your Investment Portfolio? How Do Options Work in Investing?

13 Sep 2022

Contributed by Lukas

I always thought it would be neat to interview someone, that is actually part of the organization that runs the Toronto Stock Exchange. Most of us hav...

Optimizing Investing Through Your Work - Employer Match, Defined Benefit, and Defined Contribution Pensions in Canada - Featuring Robb Engen from BoomerAndEcho.com

10 Aug 2022

Contributed by Lukas

One question that I've been getting asked a lot, both from listeners of the podcast, as well as those in my investing course, is how to deal with and...

Hybrid Investing: An Improvement on Passive Investing?

05 Jul 2022

Contributed by Lukas

Long-time listeners of the show know that I am always on the hunt for personal finance and investing tools that actually work for us Canadians. Too o...

Are You Holding the Right Bonds in Your Investment Portfolio?

21 Jun 2022

Contributed by Lukas

When learning how to invest, we are consistently told to conduct our "due diligence" on the investments that we're considering buying. Yet, almost all...

Andrew Hallam: How to Invest and Spend for Happiness, Health, and Wealth

07 Jun 2022

Contributed by Lukas

Today I'm extremely excited to have Canadian best-selling author, Andrew Hallam back on the show. His first book, Millionaire Teacher continues to be ...

Guaranteed Income For Life: How to Use Annuities in Your Investment Portfolio

11 May 2022

Contributed by Lukas

When it comes to the safe portion of our portfolio, we've talked about GICs and high-interest savings accounts before, but one option that we haven't ...

Rising Interest Rates, Variable vs Fixed Mortgages, and How to Take Equity Out of Your Home

05 Apr 2022

Contributed by Lukas

In this episode, we cover the rising interest rate environment that we're currently in here in Canada, and how it can impact you financially. We also ...

Your Guide to All-In-One ETFs and Socially Responsible Investing

23 Mar 2022

Contributed by Lukas

On this month's episode, we're going to discuss some of the most frequently asked investing questions that I receive. The first of these is helping yo...

How to Use Factor ETFs to Fine-Tune Your Portfolio + Market Update

22 Feb 2022

Contributed by Lukas

Many listeners of the show (myself included) are total market index investors, where we just buy ETFs that are meant to represent the entire market as...

How to Live Off Your Investment Portfolio With Best Selling Author Andrew Hallam

01 Feb 2022

Contributed by Lukas

Today I'm extremely excited to have Canadian best selling author, Andrew Hallam on the show. His first book, Millionaire Teacher is currently the #1 b...

How to Make Sure You're Covered - Optimizing Insurance in Your Financial Planning

25 Jan 2022

Contributed by Lukas

If you're working with a good certified financial planner here in Canada (a CFP), there are specific categories that they should be helping you optimi...

Lessons Learned After 5 Years of Early Retirement + Post Pandemic Small Business Update for Canadians

02 Nov 2021

Contributed by Lukas

Today we're going to have a two-part episode. Part 1 will be about the lessons that I've learned after being either fully retired, or semi-retired fo...

How to Save Money: Top Lessons From Teaching 100,000+ Canadians

18 Sep 2021

Contributed by Lukas

Our guest today is Arian Beyzaei, the Vice President of Enriched Academy, one of the most successful companies to be featured on the show Dragon's Den...

How to Be Your Own Money Manager - Passiv + Wealthica

21 Jul 2021

Contributed by Lukas

Today we're going to focus on how to best track your investments, as well as your net worth. This is of course critical, as you need this data to dete...

The Best ETFs in Canada for 2021

16 Jun 2021

Contributed by Lukas

Today we're going to cover the top ETFs in Canada, specifically for Canadian investors. These findings are based on 8 experts in this field who are pa...

How to Get Your Will Done in 20 Minutes (and Why It's Critical)

19 May 2021

Contributed by Lukas

More than half of Canadian adults don't have a will which can cause additional legal costs, family conflict, and unnecessary legal battles.  Unfortun...

How to Save On Taxes in Canada, Featuring Tax Expert Neal Winokur

14 Apr 2021

Contributed by Lukas

Whether you've already done your taxes for the year or not, I wanted to dedicate this episode to the tax optimizations that you can do to save tax not...

Rising Mortgage Interest Rates + Real Estate Update For Canadians

16 Mar 2021

Contributed by Lukas

With fixed mortgage rates finally beginning to increase in Canada, many Canadians are wondering whether they should be locking in their mortgage rate ...

Retired at 29: How They Did It In Canada (with 3 kids)

17 Feb 2021

Contributed by Lukas

One of my favourite things to do on the show is to interview other early retirees, especially those in Canada to learn how they did it, and really dis...

Optimizing Your Investments and Finances for the New Year and Beyond

12 Jan 2021

Contributed by Lukas

Today we have Robb Engen on the show who is the creator of one of the most respected personal finance blogs in Canada over at Boomer and Echo. He's be...

How To Structure Your Investments For An Early Retirement

02 Dec 2020

Contributed by Lukas

In this episode, we're going to cover how you can retire early, or at the very least, semi-retire early so that you have more time for friends, famil...

Your Questions Answered + Real Estate Update For Canadians

29 Oct 2020

Contributed by Lukas

Today we're going to try something a little different in that I'm going to split today's episode into two sections, covering two different subjects: ...

The Best Way to Diversify Your Income: Build a Business

22 Sep 2020

Contributed by Lukas

Whenever we talk about investments, savings for retirement, and early retirement, the subject of diversification always comes up, and for good reason....

How To Increase Your Savings, Manage Your Money Better, And What Tools And Systems To Use

25 Aug 2020

Contributed by Lukas

Today I have Jessica Moorhouse on the show, who is an Accredited Financial Counsellor, an award-winning blogger, the host of the 'Mo Money Podcast, an...

How to Get the Lowest Rates by Optimizing Your Credit Score

28 Jul 2020

Contributed by Lukas

Your credit score is a very important thing to manage as it lets you get the lowest possible rates on your mortgage, car loans, lines of credit, and a...

Automating Your Investment Portfolio and Sticking to Your Plan

23 Jun 2020

Contributed by Lukas

Today we're going to cover how you can best automate the management of your investment portfolio, while still paying the lowest possible fees. We also...

What's the best type of loan for you? (and how to get the lowest rate)

21 May 2020

Contributed by Lukas

In this episode, we cover the types of debt tools available to us Canadians, and how to get the lowest rate on them. In other words, what debt options...

What Can You Get? COVID-19 Government Benefits and Major Mortgage Changes

16 Apr 2020

Contributed by Lukas

There's been a lot of new programs and initiatives put in place by the Canadian government due to COVID-19 to help you financially. In this episode, I...

Market Declines: How to Deal With, and Coronavirus Impact

18 Mar 2020

Contributed by Lukas

A lot has been happening with the significant stock market declines and coronavirus, so I've been getting lots of questions such as: How am I adapting...

Our Early Retirement Story (and Lessons Learned from Achieving It)

11 Feb 2020

Contributed by Lukas

I recently realized that I haven't really provided an update on our early retirement story and more importantly, the lessons learned from it so far. T...

Are you saving enough for retirement? (and other top questions)

09 Jan 2020

Contributed by Lukas

Today we're going to cover some of the top financial questions asked by Canadians, including the number one question, "Am I saving enough for retireme...

How to Live Off Your Investments and Stress Test Your Portfolio

03 Dec 2019

Contributed by Lukas

In this episode, we talk about how we can set our investments up so that we can live off them in retirement (whether it's a traditional retirement or ...

Insider Look At Top 7 Insurance Tricks That Keep You Overpaying

30 Oct 2019

Contributed by Lukas

Today we have insurance industry insider, Laura McKay on the show, who reveals some of the top tricks and tactics used in the insurance industry, to k...

How to Create and Optimize Your Investment Portfolio Pre and Post Retirement

20 Sep 2019

Contributed by Lukas

Our guest today is Jason Heath, CFP who has been providing fee-only, advice-only financial planning since 2001 and is one of Canada's best-known fee-o...

Buying a House, a Rental or Flipping Houses

21 Aug 2019

Contributed by Lukas

Today we have Meghan Chomut on the show who is a financial planner specializing in real estate for both your primary residence and rental properties. ...

Canada's Youngest Retirees - How They Did It: Kristy Shen and Bryce Leung

16 Jul 2019

Contributed by Lukas

Today we have Kristy and Bryce on the show who are Canada's youngest retirees. Kristy retired at 31 while Bryce was 32, and today I pick their brains ...

How to get the lowest rate on your mortgage (new and renewing mortgages)

27 May 2019

Contributed by Lukas

House hunting season has officially begun, so I thought it would be a good idea to have an insider from the mortgage industry on the show to learn som...

How to Automate Your Investing (without the giant fees)

06 May 2019

Contributed by Lukas

A common problem that holds some Canadians back from paying the lowest possible fees in investing by becoming a DIY (do-it-yourself) investor, is tha...

TFSA creator shares top saving and investing strategies, while promoting financial literacy for Canadians

08 Apr 2019

Contributed by Lukas

Today I have the creator of the TFSA (Tax Free Savings Account) on the show who shares his best TFSA tips and strategies, while also discussing his i...

Top 5 Costly RRSP Mistakes That Canadians Make (secrets from an ex-banker)

21 Feb 2019

Contributed by Lukas

RRSP season is upon us (the last day is March 1) and to help you avoid the top RRSP mistakes that Canadians make, I've brought back the financial pla...

How to Beat the Bank with Larry Bates (by cutting fees and portfolio optimization)

23 Jan 2019

Contributed by Lukas

Today we have author and Canadian investor, Larry Bates on the show. Larry is the author of the book "Beat the Bank", where you shows (specifically fo...

Part 2: The Only 4 Ways to Invest and Their Pros and Cons

11 Dec 2018

Contributed by Lukas

This is part 2 of our episode on the only 4 ways to invest, where we discuss the pros and cons of each method, so that you can make an informed decisi...

The Only 4 Ways to Invest & Their Pros and Cons

25 Nov 2018

Contributed by Lukas

Today we're going to cover the 4 ways that you can invest. Now why is this important? Well first, the benefit you gain from knowing this will differ d...

Gene Simmons from KISS - A Rags-to-Riches Story

30 Oct 2018

Contributed by Lukas

Today I have Gene Simmons on the show, from the rock band KISS. Now while you probably first heard of Gene from his music, he's also very involved in ...

Investing Tips: Market Declines and Marijuana Stocks

17 Oct 2018

Contributed by Lukas

Canadian investors are having a pretty eventful time in the markets right now, as the legalization of marijuana is happening today as I record this ep...

Investing Tips - Market Update and Q&A - Episode 1

18 Sep 2018

Contributed by Lukas

This is a special episode of the show as we are adding a new series of episodes specifically for investors. The show will continue to go on just like ...

Unhappy with your job? Career transitions and entrepreneurship

05 Sep 2018

Contributed by Lukas

Today's guest is Alex Grodnik from Wall Street Oasis which easily one of the largest and best sites out there, for anybody looking to have a career on...

Dividend vs Growth Investing, Rising Interest Rates, Withdrawing From Your Portfolio

18 Jul 2018

Contributed by Lukas

Today, we're going to tackle the debate of whether you should focus on growth vs dividends when it comes to your investing. Dividends are of course ve...

Having Your Own Business - Starting and Optimizing Your Site

26 Jun 2018

Contributed by Lukas

We hadn't had an entrepreneurship/small business episode for a while so I thought it would be great to have the CEO of CanSpace on the show to share s...

Maximizing Cashflow and Growth Through Dividends

24 May 2018

Contributed by Lukas

Today we're going to talk all about dividend investing for Canadians, including shedding some light on using dividend investing as part of your invest...

The #1 Place to Buy Your Investments

05 Mar 2018

Contributed by Lukas

Today I'm excited to have Edward Kholodenko on the show who is the CEO of Questrade. If you're a long time listener of the show then you know that I a...

Part 2: How to Execute an Early Retirement – Secrets of an Ex-banker

25 Feb 2018

Contributed by Lukas

This is part 2 of the series on how to execute an early retirement, with financial planning veteran John Kalos. In this episode, we use our financial...

How to Execute an Early Retirement - Secrets of an Ex-banker

20 Feb 2018

Contributed by Lukas

In this episode, we use our financial plan as a case study so that you and other Canadians can get some insights on how to execute an early retirement...

Maximizing Returns with High Impact Investment Strategies

17 Jan 2018

Contributed by Lukas

Today's guest has written over 1,000 financial plans for Canadians and is truly as experienced as it gets in this field. He has extensive knowledge on...

How to Invest in Dividend Paying Stocks in Canada

01 Nov 2017

Contributed by Lukas

Today I'm excited to have Mark Seed on the show, who runs the popular Canadian blog, My Own Advisor. On the blog, Mark documents his journey and less...