The "RRIF meltdown" strategy is everywhere online right now, but the advice rarely accounts for your actual situation.

In this episode of The Free Lunch Podcast, Colin and Blair break down what a meltdown strategy actually is, when it might make sense, and why doing it just because someone told you to can quietly cost you more in tax than you ever saved. The math matters more than the marketing.

In this episode of The Free Lunch Podcast, Colin and Blair walk through a real conversation many investors are having right now: “Should we get out before it gets worse?”

The instinct is understandable. But the plan often becomes selling when markets are down, waiting, and then buying back in when things feel better.

That’s not strategy, it's emotion, and it’s one of the fastest ways to derail long-term returns.

In reality, fear shows up in every market cycle.

In this episode of The Free Lunch Podcast, Colin and Greg talk about why even seasoned investors feel unsettled during downturns, and why that doesn’t mean you should act on it.

Because volatility isn’t new. It’s expected. And the investors who succeed aren’t the ones who avoid fear, they’re the ones who don’t let it drive their decisions.

With St. Patrick’s Day behind us, it’s a good time to separate myth from reality.

In this episode of The Free Lunch Podcast, Colin and Greg explore why chasing the next big winner, timing the market, or relying on “being early” rarely works and why those ideas persist anyway.

They break down the difference between luck and skill, the cost of missing just a handful of market days, and why the real “pot of gold” is built through patience and compounding over time.

Each year, the World Happiness Report ranks nations based on factors like social support, health, freedom, trust, and economic security.

In this episode of The Free Lunch Podcast, Colin and Greg dig into the patterns behind the rankings, why Nordic countries dominate the list, where Canada and the U.S. fall, and what the research reveals about the connection between policy, prosperity, and well-being.

A thoughtful conversation about what truly drives happiness in modern societies.

In this episode of The Free Lunch Podcast, we explore how even high-earning households can feel “house poor” and why lifestyle inflation, low savings rates, and heavy debt can quietly erode financial flexibility.

In this episode of The Free Lunch Podcast, Colin and Blair walk through a case study of “Linda,” a 55-year-old investor with a $780,000 balanced portfolio.

When markets fell 18%, she panicked and sold half her equities, only to miss the 22% rebound that followed.

It’s a powerful reminder that the hardest part of investing isn’t picking the right fund. It’s sticking to the financial plan when headlines, social media, and fear tell you to do the opposite.

Markets recover but emotional decisions can be permanent.

In this episode of The Free Lunch Podcast, Colin and Blair continue their financial planning series by examining the Canadian macro environment, from housing and household debt to interest rates and inflation.

Using a real-life style case study, they explore how someone can have strong net worth on paper while still feeling monthly cash flow pressure.

It’s a reminder that financial planning isn’t just about assets. It’s about context, options, and clarity.