We buy everything else on sale, but with stocks we do the opposite?

In this episode, Colin and Greg talk with Mark Eibel about the strange way human behaviour shows up around money. The market rises more than 70% of the time, yet fear in the 30% often pushes people out at exactly the wrong moment.

It is one of the few areas of life where people get more interested as prices rise and more nervous as prices fall, even though history shows that downturns are usually shorter than they feel.

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Most clients don’t actually want a stock tip. They want reassurance, they want clarity.

They want to know, “will I be okay?”

This week, Colin and Greg explore the emotional side of money with financial therapist Ashley Quamme as they unpack the real drivers behind our financial behaviour.

The beliefs we inherit, the patterns we repeat, and the questions we are truly asking when we think we are asking about markets.

🎧 A powerful conversation for anyone curious about why they think, feel, and behave the way they do with money.

🏡 Have a kid who’ll buy their first home one day?

The First Home Savings Account (FHSA), part RRSP, part TFSA, all opportunity.

In this week's episode of the Free Lunch Podcast, Colin and Greg explain how the FHSA works, the benefits and the deadline you can't afford to miss.

They explain why making a small contribution before year-end could mean more room and more opportunity down the road.

In 2008, one client went all in on silver.

Convinced inflation would soar, governments would lose control, and precious metals were the only safe bet, he put everything into silver. And technically, he was right. It hit $50 an ounce… 17 years later.

On this week’s Free Lunch Podcast, Colin and Greg revisit that story to explore what it teaches about timing, behaviour, and the bigger truth: time in the market beats timing the market every time.

If the Canada Pension Plan were a mutual fund, would you still buy it? 🤔

Greg and Colin dig into the real costs behind Canada’s national pension, how it stacks up against low-fee investing, and what it teaches us about simplicity, transparency, and discipline in your own portfolio.

It sounds cheap at 0.26%, but that’s just the tip of a $7 billion iceberg once you factor in performance fees, transaction costs, and operating expenses.

What are smart investors doing right now?

According to Greg and Colin on this week of the Free Lunch Podcast they are: staying diversified, staying disciplined, and staying calm.

They unpack how to think about:

💰 Bonds & cash in your portfolio.

🏠 Mortgage renewals & rate holds.

🧾 End-of-year tax moves.

😴 Retirement “sleep-at-night” planning.

Jonathan’s style was to blend practical financial advice with human behaviour and life lessons.

This week, Colin and Greg reflect on the life and legacy of Jonathan Clements, the longtime Wall Street Journal columnist whose insights helped redefine how we think about money, happiness, and simplicity.

Jonathan’s approach really aligns with what we try to do here, cutting through the noise, finding clarity in uncertainty, and reminding people that even if the market’s at an all-time high… so is milk production. 🥛