Brian | Calm Money Coach
Region: CA
Saturday 25 April 2026 01:44:06 GMT
6988
162
14
44
Music
Download
Comments
elyse 🍉🇵🇸 :
Hi Brian, this is such a fantastic tool. and I also really appreciate that you put in the emotional weightiness of buying versus renting, with family expectations, adult milestones, security, etc. I have been running the numbers for the last year, and I know in my situation renting comes out ahead every time. but I also rent in a city with no rent caps, in a below market rental, that I fear every day my landlord will sell and then I won't be able to afford to rent or buy in this area anymore. we treat renters so terribly in most Canadian cities, like their home is not theirs and its only value is as an investment property. I think if the culture and protections around renting were better, it would feel more secure to rent here. I have no shame about renting, but the fear of losing my home at someone else's whim to sell is real. and that pride of ownership is also something I want for myself. but I'll admit, it's been hard to justify buying to myself when the math isn't mathing! very long ramble, but thank you for this tool. us delayed millennials appreciate it! 🙏🏻
2026-05-19 23:31:15
1
Kelvin 🇨🇦 :
I know it is not as simple and straight forward as we are lead to believe but in the end- if you have a mortgage- eventually you will own the home and at retirement age- yoj are sitting on that nest egg plus the equity that has appreciated.
2026-04-25 12:33:28
4
ykwidykw :
It’s so funny to me how Canada has two big cities, and maybe 3 more mid sized cities - yet, in every analysis of real estate in this country, the second largest market, Montreal, is consistently ignored. They’ll talk about Vancouver, Edmonton, Calgary, Ottawa endlessly, but never mention Montreal, which dwarfs them all.
2026-04-25 12:28:56
2
saion. :
I might be a bit confused, but wouldn’t the homeowner be getting 3% of the whole home’s value? If so, assuming a 20% down payment, in one year wouldn’t the home grow $21000 in equity, when the TFSA would only get $9100? Please let me know if I’m wrong - very curious.
2026-04-25 01:53:16
3
Lou :
You can leverage your equity in your home. But you cannot leverage collateral against your investment bank don’t do it. The only way is to own it and use it as collateral for leveraging.
2026-04-26 01:03:08
0
beavstocks :
Where can I get it?
2026-04-25 03:29:33
3
To see more videos from user @calmmoneycoach, please go to the Tikwm
homepage.
