🏡 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.