Brian | Calm Money Coach
Region: CA
Friday 01 May 2026 19:55:26 GMT
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CrazySingh :
I did the math. I live in Oakville. To buy the house I live in costs $1m. 20% DP leave me with an $800k mortgage. Mortgage payment is about $5k a month property tax is $700 and insurance is $300. So total fixed cost is $6k no maintenance or emergency expenses. I rent the same home for $3k a month. Home was built before Nov 2018 so it is under rent control. All those funds and the monthly difference is in the stock market. To diversify I started buying up RE outside Ont. High cashflow adding those funds in the stock market. Meanwhile my rent went up by $65 this year. You don’t need to own your PR to become wealthy.
2026-05-03 00:45:59
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Brent 🇨🇦 :
also, the only way to enjoy real estate gains is selling or leveraging. buying a home is a good hedge against inflation, but don't lose the plot and put so much into the home you can't put money in the stock market and stay diversified, you can't eat a home remember
2026-05-01 20:04:07
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Foundations of Finance :
Well said Brian! The costs add up fast. Make sure you can actually afford the home. You do not want to be house poor
2026-05-24 21:09:00
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J :
Great analysis.
2026-05-05 02:18:36
1
Ben Ja Min :
If a $3,000 mortgage payment consists of $2,000 in interest and $1,000 in principal, only that $1,000 actually builds wealth. A fair 'rent versus buy' analysis should isolate these wealth-building components. It must compare the capital actively allocated to homeownership alongside property taxes and maintenance, against the potential yield of renting and investing that equivalent capital into equities.✌️
2026-05-23 00:33:09
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billsrussel :
Can you talk more about leveraging stocks for investments and maybe throw some suggestions of funds 🙏🏼
2026-05-02 23:19:03
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Mike Deeps :
The one thing about owning bs renting is after 25 years you can own your home so let’s say you finally pay it off at 55-60 years old then you don’t have a mortgage payment after 60 years old..if renting you continue to pay rent until you die..so another 20 plus years of $2000 rent every month..
2026-05-18 12:54:04
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Proka$h🇨🇦 :
your theory assumes that someone is renting a similar place to the renter at a loss.
2026-05-02 13:31:57
1
FrogBurnz :
A renter with no car payments is cruising through life.
2026-06-29 02:36:59
1
EM :
Whoops I cannot type. Great content, your estates analysis is bang on
2026-05-01 23:47:20
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Eliane Bejjani | REALTOR® :
Great content your real estate analysis is great
2026-05-03 17:55:39
1
Xray :
Hey Brian, could you explain this line more ? “building wealth in the home destroys the leverage that justified buying” I dont quite get this, and it seems p important. TIA!
2026-05-01 23:24:15
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Shazad 🇨🇦 :
How to buy bonds as an individual?
2026-05-02 03:07:05
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bobwk25 🇺🇦🇨🇦 :
I'm in Montreal. Nobody rents investment property for less than the carrying costs. I bought a condo 20 years ago for, just about what I was paying for rent for a similar sized apartment. Today, I’m paying $600 every 2 weeks which includes property taxes. Rentals in my building are around $2400/month.
2026-06-22 20:46:28
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Sahib Gaba :
Does this analysis include the inflation of rent, over the same time period of the mortgage?
2026-05-08 21:09:02
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Memes-R-us :
Keep in mind 7% is conservative.
2026-05-10 14:59:45
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EM :
Land transfer tax is $21000 on a $700,000 in Toronto- Toronto charges a municipal land transfer tax that doubles the usual tax. All us non city people
2026-05-01 23:46:19
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Dylan :
Homes in Canada have depreciated over the last 4 years
2026-06-29 05:24:52
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potato :
7%? Really? This is where your argument falls apart.
2026-05-02 00:12:51
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mommabrotrades :
Here’s something Brian I learned a lot of people believe they to good to go for the realistic starter home. Husband and me in Ajax (young family and newly wed) 15 years ago bought a hoarders house at 231000 and in 2019 we sold it for 474000. We learned the people and not everyone who go for “their dream home” most of them can barely afford it or are house poor. We took the steps and realistic ones to get out current dream home.
2026-05-22 21:49:51
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Shazad 🇨🇦 :
👍👍👍
2026-05-02 03:03:03
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Joaquin :
🥵🥵🥵
2026-05-18 00:35:24
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