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Episodes

100

Latest episode

Aug 2026

Language

EN

About the show

Welcome to Make Money Count, a podcast focused on the Canadian economy, Real Estate, and your mortgage. We’d love it if you’d join us as we explore options that put dollars back into the average Canadian’s pocket. Subscribe for new episodes weekly!

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60 recent
August 4, 2026Episode 18316 min

What The Big Banks Are Predicting For Your Rate

What if the biggest banks in Canada showed up to the same party and couldn't agree on anything? In this episode of Make Money Count, Marcus and Justin imagine exactly that: RBC, TD, BMO, and Scotiabank, all in one room, all asked the same question about where rates go next. Three of them show up with nearly the same answer. One of them shows up ready to argue. We break down: Why RBC, TD, and BMO all point to weak labor force growth and US trade tariffs as the reason rates are likely on hold Scotiabank's outlier call for stronger growth and two rate hikes, and why this bank always seems to be the hawk in the room A chart on Canadian firms' long-run inflation expectations, and why it's holding steady even after a hundred-dollar oil price shock The role oil prices are playing behind the scenes in keeping inflation above target Why Justin is still making the case for variable right now, and the math behind that call Where mortgage rates actually stand today, and the real spread between fixed and variable Four banks. One question. Only one real disagreement. Watch till the end to find out which bank is the outlier, and what it means for your mortgage. #CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy

July 28, 2026Episode 18212 min

How the War in Iran Is Impacting Your Mortgage Rate

Is the Iran conflict quietly deciding your mortgage rate? In this episode of Make Money Count, Marcus and Justin break down why a war most people have stopped watching is doing something nobody expected to bond yields, oil prices, and the rate you pay every month. We break down: Why Trump's all in negotiating strategy worked on Canada, the EU, and South America, but is backfiring against Iran Live shipping data from the Strait of Hormuz and what 105 days of conflict actually look like on the water A day by day breakdown of July's bond market moves showing yields spiking before the news even breaks Why war usually sends bond yields down, and why this time the opposite is happening The hidden cost of political capital, and why Iran isn't paying it the way Trump is Where mortgage rates actually stand right now, and which competitor "best rate" claims don't hold up Most people are still waiting for the news to tell them what's coming. Marcus and Justin already found it in the data. Watch till the end. The gap between the market and the headlines is where the real story is. #CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy

July 2, 2026Episode 18122 min

Hollywood vs Reality: Mortgage Edition

Did Hollywood actually get mortgages right? In this episode of Make Money Count, Marcus and Justin react to some of Hollywood's most famous mortgage moments, and the gap between fiction and reality is bigger (and smaller) than you'd expect. We break down: What subprime really meant in The Big Short, and why it's not the same as today's A-minus or alt-A lending How that "bartender to boat owner" mockumentary clip wasn't far off from real predatory lending practices Why Jimmy Stewart's savings and loan speech in It's a Wonderful Life still holds up as a banking lesson The real cost behind a foreclosure, from both the investor's side and the homeowner's side The one rule that separates a smooth renovation loan from a Money Pit style budget disaster This episode isn't your usual rate breakdown, it's Hollywood's biggest mortgage moments, fact checked by two people who actually do this for a living. Watch till the end, you might never see these movies the same way again.

June 23, 2026Episode 18030 min

The Fed Flipped On Rate Cuts, What Now?

Is the Fed about to break your mortgage plans? In this episode of Make Money Count, Marcus and Justin break down new Fed Chair Kevin Warsh's very first policy meeting, and why it didn't go the way most people expected. We break down: Why Warsh, Trump's own pick, spent his first meeting talking about inflation instead of cutting rates How the Fed's "dot plot" flipped from pricing in a cut to pricing in a hike, and what that actually means Why Warsh says rates are too low for Wall Street but too high for Main Street, and why the Fed can't fix both How a stronger US stance puts pressure on the Canadian dollar, and why that could force the Bank of Canada's hand What RBC, TD, BMO, Scotia, and CIBC are each predicting for rates, and what it means for your mortgage choice This episode isn't your usual headline recap, it's a real breakdown of how one Fed meeting can move your mortgage rate, fact checked by two people who actually do this for a living. Watch till the end, you'll know exactly what to ask your broker next.

June 15, 2026Episode 17916 min

The Real Estate Opportunity Canadians Are Too Scared To Take

Is Canada sitting on the biggest real estate opportunity in years? In this episode of Make Money Count, Marcus and Justin break down exactly what is happening in Canada's housing market, why prices are 20% off peak, and why most Canadians are still too scared to move. We cover: Why housing is 20% off peak and what nine quarters of affordability improvements actually mean How fear and consumer sentiment are keeping buyers out of the market Why condos are trading at pennies on the dollar and who is already buying them The distressed real estate deals that smart money and foreign funds are quietly gobbling up Why the rental market is still under pressure and what it means for builders and investors The labor shortage risk nobody is talking about and why it matters for the future of housing This episode is not about panic. It is about seeing the opportunity clearly before everyone else does. Watch till the end. The housing market is shifting and the window that is open right now will not stay open forever.

June 6, 2026Episode 17818 min

Inflation Is Rising. Rates Aren't Dropping. What’s Next?

Is Canada headed for a rate hike nobody saw coming? In this episode of Make Money Count, Marcus and Justin sit down days before the Bank of Canada's June 10th meeting to break down exactly what's happening with interest rates, inflation, and your mortgage renewal. We break down: Why a rate cut on June 10th is basically off the table How Canada ended up in a recession with inflation still rising What the Strait of Hormuz has to do with your mortgage rate Why your bank's renewal offer is likely insulting and what to do instead What the big banks are actually forecasting for rates in 2026 and 2027 Why 40% of Canadian mortgages renewing this year is a bigger deal than most people realize This episode isn't about panic. It's about being informed, prepared, and ahead of the people who just sign whatever mortgage renewal their bank sends them. Watch till the end. The mortgage market is shifting and the decisions you make in the next few weeks could follow you for the next three years.

May 22, 2026Episode 17713 min

Don't Trust Your Bank. Here Is The Smarter Mortgage Move.

Is your bank quietly working against you? In this episode of Make Money Count, Marcus and Justin get into the mortgage conversation most Canadians never get to have. With bond yields climbing and fixed rates on the move, knowing what to do and when to do it could be the difference between a great mortgage and an expensive mistake. We break down: Why you should never trust your bank to give you the best mortgage rate Fixed vs variable and the one move Marcus is recommending right now Why the three year fixed is the smartest play in this market When to start the mortgage conversation and why most people wait too long How a salaried mortgage broker always gets you a better deal than your bank ever will This episode is not about theory. It is about the real conversation that happens when you actually call a mortgage broker and ask the right questions. If your renewal is coming up in the next six months, this one was made for you

May 20, 2026Episode 17620 min

Canada's Inflation Is Out of Control & Your Mortgage Is Next

Is your mortgage renewal about to get a lot more expensive? In this episode of Make Money Count, Marcus and Justin dig into Canada's April CPI numbers and why the story behind the data is one every Canadian borrower needs to hear. Gas prices at a record high, groceries quietly bleeding your budget, and fixed rates with nowhere to go but up. A lot is happening right now and most people do not even see it coming. We break down: Why April CPI is being driven by gas and food and what that means for interest rates What 40% higher gas prices since the war actually means for your monthly mortgage payment How a conflict in the Middle East is directly moving Canadian fixed rates right now Why the Bank of Canada may surprise everyone and hold rates despite the pressure The exact mortgage move Marcus is recommending to every Canadian borrower today This episode is not about panic. It is about getting ahead of what the data is already telling us, understanding what is really at stake, and making the right call before the window closes. If you have a renewal coming up in the next few months, do not scroll past this one.

May 7, 2026Episode 1757 min

They Lost 2 Months of Jobs Data. Here's What It Could Mean for Your Mortgage.

Is the jobs report even real anymore? In this episode of Make Money Count, Marcus and JT sit down to talk about something that's been quietly building behind the scenes, and the cracks are getting harder to ignore. From a federal agency that's lost its data collectors to a treasury yield that hasn't been this high in years, a lot is happening beneath the surface that every Canadian borrower needs to understand. We break down: Why two months of US jobs data went entirely missing and what that means for Friday's number What a 5% treasury yield actually means for your Canadian mortgage rate How Trump's attempt to fire Jerome Powell failed, and why his replacement could be even more dangerous Why cutting rates in an inflationary environment is a banana republic move, and what Turkey's example tells us What every Canadian borrower should be watching at 8:30AM this Friday This episode isn't about panic; it's about understanding what's actually happening, what the data is saying, and what you can do about it before it's too late. If you're a Canadian borrower trying to make sense of what's coming, this one's worth your time.

May 6, 2026Episode 17410 min

Why The Nacho Trade Is Running Canada's Economy

Is Canada's economy quietly cornered? In this episode of Make Money Count, Marcus and Justin sit down to talk about something that's been building for a while now, and the numbers are getting harder to ignore. From a record-breaking gas price spike to an inflation figure that caught even the banks off guard, a lot is happening beneath the surface that every Canadian borrower needs to understand. We break down: Why the March CPI jump has the Bank of Canada watching very closely What does $110 oil actually mean for your monthly mortgage payment How a conflict halfway around the world is directly moving Canadian fixed rates Why stagflation is becoming Canada's most uncomfortable conversation right now The one mortgage move Marcus is recommending to every borrower right now This episode isn't about panic; it's about understanding what's actually happening, what the data is saying, and what you can do about it before it's too late. If you're renewing or buying in the next year, this episode is just for you.

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