Claim OwnershipThe Your Life! Your Terms! Show
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© Tom, Nick, and Anthony from the Rock Star Inner Circle
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Tired of the 9–5 grind? This show is for Canadians who want more income, freedom, and control through real estate, entrepreneurship, and investing.
Hosted by Tom & Nick Karadza, founders of Rock Star Real Estate, and Anthony Molinaro, it features real-world strategies, economic insights, and unfiltered convos on real estate, business, the economy, bitcoin, health, and more.
Through the Rock Star Inner Circle, the Rock Star team has helped Canadians invest in $3B+ of income properties and build freedom.
Join thousands living life on their terms & start your journey at RockStarInnerCircle.com
Hosted by Tom & Nick Karadza, founders of Rock Star Real Estate, and Anthony Molinaro, it features real-world strategies, economic insights, and unfiltered convos on real estate, business, the economy, bitcoin, health, and more.
Through the Rock Star Inner Circle, the Rock Star team has helped Canadians invest in $3B+ of income properties and build freedom.
Join thousands living life on their terms & start your journey at RockStarInnerCircle.com
562 Episodes
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In this episode of the YLYT Show we sit down with Zhen Liang to talk about Canada’s housing market. From Toronto condo chaos to student rentals, we get into what’s really working for investors, and what’s not. We also dig into cash flow, currency debasement, and how smart investors are adapting to the new realities. If you’ve been wondering where Canadian real estate goes from here, this chat lays it all out!
On this episode of The Your Life. Your Terms. Show, we sit down with Rock Star’s longest-running coach, Leslie Kitchen. Leslie’s journey took her from the world of MLM marketing into real estate, and ultimately to building a life completely on her terms.She shares how real estate became her pension, allowing her to retire, travel more, spend quality time with the people she loves, and focus on what’s truly important. We dive into the systems she uses to make investing work, why structure is key to building lasting wealth, and how her experiences with Landmark Forum shifted her mindset and behaviours in ways that changed everything.This is part story, part strategy, and fully inspiring—whether you’re just starting your investing journey or looking for the reminder that real estate, when done right, is a vehicle to freedom.
Greybrook Realty Partners CEO Peter Politis hops on the YLYT Show to break down the wild state of Canadian real estate. Peter shares what's really going on in Canadian Real Estate, why completions will fall off a cliff after 2027, and what that means for future rents. He explains the differences between Canada and the U.S. markets, from condo sales to workforce rentals. We dive into labor shortages, overregulation, and why new supply simply can’t keep up with demand. Peter also explains Greybrook's journey, the role of big capital in shaping housing, and where he sees the smartest opportunities ahead.
The Bank of Canada and the U.S. Fed just cut interest rates.Richard Dias is back on the show to break it all down!Richard explains Canada’s productivity problem, massive debt rollover, and the risks for the loonie as capital flees.We also cover the real estate market, AI, and why money printing fuels inequality.Follow Richard on X: https://x.com/RichardDias_CFA⭐ Join 1,000+ Investors Creating Freedom and Wealth for Themselves - https://yourlifeyourtermsevent.com
Thinking about buying your first home in 2025? Whether it’s your own place, a rental property, or a house hack, this episode shows you exactly how to make it happen in today’s Canadian market. Rock Star coach Mike Desormeaux and BM Select mortgage expert Dan Patton break down the First Home Savings Account and RRSP Home Buyers’ Plan, what lenders actually look for when approving mortgages, and the most common ways Canadians are coming up with down payments through co-signers, gifted equity, and creative financing. They share their take on fixed versus variable rates, how to qualify with house hacking, why real estate in Canada continues to build wealth, and what kind of returns you can realistically expect. You’ll also hear their candid outlook on the market and predictions for the year ahead. If you want a clear, no-fluff roadmap for getting into the market in 2025, this episode delivers.
Mauricio Di Bartolomeo grew up in Venezuela, lived through hyperinflation and authoritarian rule, and saw firsthand what happens when money and freedom disappear.In this episode, he explains why people and companies are leaving Canada, the rise of stablecoins, Bitcoin-backed lending, and how a new digital financial system is forming right in front of us.Check out Ledn here: www.ledn.io/
What does it really take to build wealth and financial freedom? Lesley-Anne Scorgie—personal finance columnist at the Toronto Star, bestselling author of Rich by 30, and one of Canada’s most recognized money experts—shares her journey from buying Canada Savings Bonds at age 10 to becoming a millionaire by 28.We dig into the habits that actually move the needle, why behaviour always beats spreadsheets, and how defining your why can completely transform your relationship with money. If you’re looking for a fresh perspective on building financial security and true freedom, this is a must-listen.Follow Lesley-Anne on Instagram @lesleyscorgie and visit mevest.ca for more.
Toronto just made multiplex housing legal, and it’s changing the game for investors and homeowners. Architect Craig Race joins us to explain the new rules that allow sixplexes plus laneway or garden suites on a single lot, creating the potential for seven rental units without the need for development charges. He also shares how MLI Select financing makes these projects more profitable, why this matters for Toronto’s missing middle housing strategy, and what these changes mean for the future of real estate in the city. If you’ve been searching for answers on Toronto multiplex rules, laneway housing, or how to build multiple units on one property, this episode breaks it all down.
Bitcoin isn’t just digital gold — it’s electricity money. In this episode, Jacob Scanlan from the Hashpower Academy explains how Bitcoin and energy are inseparable, why mining creates a global buyer of last resort for electricity, and how this is reshaping civilization itself. We explore how Bitcoin and electricity price each other in sync, why mining creates a fluctuating price floor for both power and Bitcoin, the real economics of yield and where it comes from, and how waste heat from mining is already being reused to fuel homes and businesses. More than just mining, this is a story about a new foundation for money, energy, and society. This conversation will change how you see both money and the future of civilization.
Tom & Nick break down Canada’s “nothing happened” summer. M2 keeps climbing, tariffs linger, and growth on the street looks weaker than the headlines. They map the odds of BoC cuts, ARV-based mortgages that fund renos on day one, the BREAS RE + Bitcoin strategy, and a look at AI’s hit to junior jobs and how it could shape your purchasing power over the next 24 months.
In this episode, we sit down with Hanif Bayat, founder of WOWA.ca, to uncover the hidden force driving Canada’s housing crisis and growing wealth gap. We dig into the data on money supply growth, why assets soar while wages stagnate, and how CPI hides the real rate of inflation. Hanif explains why the middle class is shrinking, how government policy fuels speculative demand, and why real estate has become the go-to safe haven for capital.We also explore what these trends mean for investors, savers, and anyone trying to get ahead in today’s economy.Check out WOWA: https://wowa.ca/Hanif on X: https://x.com/HanifBayat
The Game-Changing Mortgage Programs Every Investor NEEDS to Know AboutIn this live podcast, we chat with Daniel Patton and Lorenzo Podda from Better Mortgage Select to break down three new mortgage programs that are completely rewriting the rules for real estate investors.And yes—we’re talking about the single best mortgage program we’ve ever seen for financing any renovation, on any home, at any price.No private lending. No sky-high rates. Just pure flexibility at bank-level pricing. This one blew us away.Check out BM Select: https://www.bmselect.ca/
What if everything you store in the cloud—your photos, passwords, private messages—wasn’t really yours?In this episode, we sit down with Matt Hill, CEO of Start9, to break down what sovereign computing really means and why it’s one of the most important shifts of our time. We explore the dangers of centralized cloud platforms—from mass surveillance and censorship to the ability of tech monopolies to socially engineer, silence, or even blackmail you.Matt explains how you can start opting out—one service at a time—by running your own server, managing your own data, and reclaiming your digital dignity. We get into how tools like the Start9 OS and Server One work, the killer apps (your own password manager, encrypted cloud drive, messaging, and more), and why this movement is about more than just privacy—it’s about freedom.This is a must-listen for anyone serious about living life on their terms in the digital age.Learn more at https://start9.com
Most people don’t realize their VO2 max and power output are stronger predictors of longevity than any number on a scale. In this episode, we sit down with the founders of ISHP Labs to explore how they're making elite-level health testing available to everyday Canadians. From brain scans and balance testing to metabolic efficiency and strength analysis, they break down exactly how to spot early warning signs before they become problems. You’ll hear why the current healthcare system isn’t designed to keep you healthy, and what you can do about it. If you want to live longer and better, this one’s for you!Learn more or book your own personalized assessment at www.ishplabs.com or follow them on Instagram @ishplabs.
Ben Settle is one of the most brutally honest and effective direct response marketers out there, and in this episode, he’s bringing the heat. We talk about why email is still the king of media, how to build a world your audience actually wants to live in, and what 80% of strong marketing truly boils down to. Ben breaks down how to understand your customer avatar, niche without losing your edge, and create value that keeps your list locked in. Whether you’re building a business, brand, or movement, this one’s packed with timeless, tactical marketing wisdom. Join Ben's email list at BenSettle.com to learn marketing from one of the best!
1AI is flipping the workforce on its head, and Marc Lafleur is building a company to take full advantage. In this episode, he breaks down how anyone can build and flip AI-first businesses in the next 24 months. We dive into prompt engineering, “vibe coders,” and why credentials are rapidly losing value. Marc also shares how real estate investors and entrepreneurs can use AI tools to reclaim time, reduce costs, and unlock new income streams. If you’re curious how AI is changing everything, this episode is for you!Learn more at https://www.db8.com/ or find Marc on Instagram @darkmarc_
What if you could know everything about a property: zoning, build potential, flood risk, permits, crime data, with a single click? In this episode, we sit down with Thierry Pepin, founder of GeoSimple, to explore how AI is transforming the real estate industry. From replacing 14+ hours of research to unlocking hidden development potential, this tool is a game-changer for realtors and investors alike. We also dig into how AI is reshaping the job market, education, and the way we build businesses. If you’re curious about where real estate and tech are headed, this one’s a must-listen!Learn more about GeoSimple at: https://geosimple.ai
After a successful career in private equity, Mike Cook walked away from it all to follow his passion for Bitcoin and sound money. In this episode, he shares the journey that led him from cash-flowing businesses and gold to self-custody, multisig, and launching Bitcoin Mentor alongside BTC Sessions. We dive into estate planning, the future of money, and how to onboard the next generation of sovereign Bitcoiners.To connect with Mike or book a session, visit bitcoinmentor.io and get matched with a mentor who actually walks the talk.
In this episode, Adam Niman returns to reveal what he discovered after digging deep into participating life insurance, infinite banking, and the promises sold alongside them.He breaks down real policy illustrations, compares them to market returns, and asks one uncomfortable question: why are so many investors being told this is the smartest move for their money? We explore the truth behind the sales tactics, the math behind the hype, and the staggering amount of wealth invested in these policies. If you’ve ever been pitched a whole life policy, you need to hear this.You can find a copy of Adam's book, Fortune or Fiction: Why The "Be Your Own" Banker Concept is Flawed, by visiting FortuneorFiction.ca
Darcy Griffith has been a Rock Star member since 2009—and his journey is nothing short of remarkable. In this wide-ranging conversation, we cover his experiences investing across small-town Ontario, buying property in Italy and Mexico, and why he’s now strategically winding down his portfolio to prepare for retirement. He shares lessons learned the hard way, how he's rethinking his entire investment strategy, and what every investor needs to know now about structuring their income streams, tax exposure, and long-term wealth. Whether you’re just getting started or nearing retirement, this episode is packed with real-world wisdom you won’t hear anywhere else.
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Love the podcast but the audio is horrible. Could’ve been a great episode dont know because i cant hear it. The laughter comes in very loud though.