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 Canada’s borders can still directly impact your mortgage, your investments, and the broader economy.

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.

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: Inflation might be easing, but the story isn’t over. Listen to the full episode to see what’s really going on — and how to prepare your finances for what comes next.

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
• How Cannect uses AI to empower advisors, not replace them
• The future of mortgage advice in Canada

The takeaway: AI can crunch numbers, but strategy, insight, and personalized advice still need a human touch.

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" might actually be a good thing
• The real mortgage implications hidden behind the Trump-Carney meeting
• How bond yields are signaling faster rate cuts
• Why waiting for a Bank of Canada update could cost you thousands
• Fixed vs Variable — how to know if now’s the time to break your mortgage

If your mortgage rate starts with a 5, this episode could be your wake-up call. Don’t wait for the market to tell you what to do — run your numbers before the opportunity is priced out.

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 confidence is the missing piece

🏠 The Canadian housing market has always bounced back — but will this time be different?

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

- How tariffs affect jobs, businesses, and your wallet

- Why variable-rate mortgages may be the smartest choice right now

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 mortgages may now be the smarter move
• How fixed rates, penalties, and bond yields fit into the picture

Listen now to understand whether you should stick with fixed, switch to variable, or refinance your mortgage.