Control and Compound with Darren Mitchell

Most entrepreneurs believe working harder is the answer. More hours. More hustle. More grind. But what if the real breakthrough isn't doing more — it's doing less of the wrong things? On today's episode, Darren and Christina break down Buy Back Your Time by Dan Martell and explain how Canadian entrepreneurs can scale faster by delegating low-value tasks, focusing on $1,000–$10,000 activities, and building systems that create leverage. This one could change how you structure your entire week. If you're an entrepreneur, this is a must watch!   Show notes: 00:00 - Introduction 00:40 - Who is Dan Martell 03:40 - Hustle vs systems 04:19 - The buyback principle explained 05:00 - CEO hourly rate formula 06:32 - 80% is good enough 07:53 - The buyback loop (Audit, Transfer, Fill) 08:10 - 15-minute time tracking 12:02 - Anything you track gets better 12:22 - Time value ladder breakdown 14:16 - The pain line and burnout 16:07 - Camcorder method 17:28 - 10-80-10 delegation model 19:01 - Building your buyback team 22:30 - Designing your perfect week 25:57 - Final action step: Track your week   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

Canada doesn't have a formal death tax — but that doesn't mean death is simple or inexpensive. When someone passes away, taxes can be triggered immediately through deemed disposition, and on top of that, probate fees may apply depending on the province. Many Canadians confuse these two costs, and that confusion can lead to serious planning gaps.   On today's episode, Darren and Christina break down what probate actually is, how probate fees vary across Canada, what assets flow through probate, and what strategies can reduce delays and unnecessary costs. More importantly, they explain why probate isn't just about fees — it's about timing, privacy, executor stress, and making life easier for your family when they're already dealing with loss.   Show notes:   00:00 - Introduction: Why probate matters   00:23 - Canada doesn't have a formal death tax   02:41 - Deemed disposition explained   04:04 - What probate actually is   04:45 - What assets trigger probate   05:30 - What bypasses probate   06:12 - Why life insurance is different   06:31 - The real impact of probate delays   09:43 - Probate fees by province   13:06 - Simple probate reduction strategies   16:05 - Joint ownership risks   18:22 - Advanced planning strategies   21:27 - Real-world example   24:47 - Probate planning checklist FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   Should incorporated Canadian business owners contribute to an RRSP — or is it quietly working against them?   On today's episode, Darren and Christina break down what an RRSP actually is (a tax deferral, not a wealth strategy), why the "you'll be in a lower tax bracket in retirement" assumption often fails for successful business owners, and how forced RRIF withdrawals + OAS clawbacks can create a much higher effective tax rate later.   They also dig into the control problem: how locking money into RRSPs can limit liquidity, reduce flexibility, and increase opportunity cost for entrepreneurs who typically earn their highest returns in their business. Finally, they address the estate planning reality — how large RRSP balances can make CRA a major beneficiary.   If you're a business owner, this is the episode to listen to before you follow the herd. Show notes:   00:00 - Introduction   02:36 - RRSP basics: tax deferral today, taxed as income later 03:22 - The "lower tax bracket in retirement" assumption falls apart 05:19 - Why business owners often retire in the same or higher tax bracket 06:21 - Real Ontario examples: income drops, tax rate barely changes 07:20 - OAS clawback explained (effective extra tax) 10:05 - The shocker: deferring ~45% to later pay ~58% effective tax 15:55 - The control problem: RRSPs lock up entrepreneur liquidity 19:20 - Corporate opportunity cost: $0.88 in a corp vs $0.50 later 23:59 - Estate planning: why CRA can become your biggest beneficiary FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us We're flipping the script for this month's entrepreneurial spotlight series and Darren is taking his turn in the hot seat! Entrepreneurship isn't built on highlight reels — it's built on hard decisions, uncomfortable moments, and learning how to survive uncertainty. From walking away from a secure corporate career, to $0 months, near-business-ending moments, and learning how to pivot under pressure — Darren shares the lessons most entrepreneurs only learn the hard way.   They break down: Why early success is often misleading The reality of financial stress in entrepreneurship How systems and people changed everything Why control of cash is non-negotiable What truly keeps entrepreneurs going long term This episode is for business owners, entrepreneurs, and anyone considering the leap — or already in the middle of it!   Show notes:   00:00 - Introduction   01:45 - Why Darren chose business and the financial industry   03:30 - Leaving a secure corporate career for entrepreneurship   05:40 - Starting with zero clients and the harsh reality of business   06:40 - The Disney trip that almost broke the business   08:30 - Learning to handle uncertainty and build a pivot muscle   10:30 - Why sharing struggles with the team matters   13:20 - Scaling through people and systems   16:20 - Key decisions that fueled growth and going online early   18:55 - Lessons for entrepreneurs: control your money or lose control FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Canada's economy feels uncertain heading into 2026 — but are the headlines telling the full story? On today's episode it's the February update and Darren and Christina break down what's really happening with the Bank of Canada, inflation, interest rates, real estate, stock markets, and Bitcoin. They cover why markets can rise even when the economy feels weak, what Canadian investors should actually be paying attention to, and how smart investors are positioning themselves right now. If you're worried about inflation, housing affordability, or where to invest in 2026, this episode brings clarity without hype. Tune in now! Show notes:   00:00 - Introduction   2:50 - Bank of Canada update   4:25 - Inflation news   5:40 - Canadian dollar update   7:05 - Stock market update   7:45 - Bitcoin update   10:30 - Real estate update   13:35 - Economic news   17:50 - Life insurance industry news   21:20 - Control and Compound news FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Choosing the right advisor is the most overlooked — and most important — part of implementing an Infinite Banking or high cash value life insurance strategy. On today's episode, Darren and Christina break down the 8 critical questions you must ask any advisor before committing to Infinite Banking, corporate-owned life insurance, or the Rockefeller Method. They explain why infinite banking is a long-term strategy, not a product, how poor advisor selection leads to costly mistakes, and how the right advisor helps you use policies for business growth, real estate, retirement planning, and estate preservation. If you're a business owner, investor, or high-income professional exploring infinite banking, this episode will help you avoid red flags and choose an advisor who can actually implement the strategy properly.   Show notes: 00:00 – Introduction 01:00 – Common Infinite Banking mistakes people make early 02:13 – Real example: unused policies and missed opportunities 03:13 – Question #1: Is Infinite Banking their core focus? 04:45 – Red flags: advisors wearing too many hats 05:10 – Question #2: Do they personally use these strategies? 06:33 – Question #3: How are they using their own policies? 08:12 – Question #4: How does the strategy evolve over decades? 11:15 – Question #5: Personal vs corporate ownership explained 13:29 – Question #6: Advisor compensation and transparency 15:17 – Question #7: What happens after the policy is issued? 17:01 – Question #8: Coordination with accountants and lawyers 18:25 – Why Infinite Banking is only as good as the strategy behind it 19:18 – Final takeaway: intentional, uninterrupted compounding FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Most Canadians think retirement is about hitting a number but on today's episode, Darren and Christina break down why that mindset can quietly destroy your plan. They expose the biggest retirement lies in Canada: "I'll be in a lower tax bracket," "CPP/OAS will cover me," "inflation won't be that bad," and why the 4% rule can lead to underspending (or worse). You'll learn the five retirement risks that can cut retirement income in half — and what a "volatility buffer" can do to protect your withdrawals in down markets.   Most retirement plans ignore the exact risks that show up when it matters most. If you want a plan that's built for real Canadian retirement math — start here. Show notes:   00:00 - Introduction   01:19 – Key question: If your retirement beliefs weren't true, when would you want to know? 01:46 – The real driver: retirement success is withdrawal strategy, not just the number 02:33 – The retirement illusion: why "hit $1M" and "pick the right investments" fails 03:18 – 4 misconceptions: lower tax bracket, CPP/OAS/RRSP will cover you, inflation won't hurt 05:07 – The 5 retirement risks that cut income in half 05:36 – Sequence of returns risk (market volatility): why selling in a down year is deadly 08:15 – Inflation math: what 2% vs 5% inflation does to buying power 11:07 – The tax trap: RRIF minimums, future tax brackets, and OAS clawbacks 12:15 – Longevity risk: why planning to 85 isn't enough 13:53 – Health & lifestyle costs: the "unknown expenses" problem 16:06 – The safe withdrawal rate problem: why the 4% rule is under pressure 18:36 – The spending lie: retirement spending isn't flat — "every day is Saturday" 19:59 – Go-go / Slow-go / No-go years: how spending actually changes 23:45 – The cash wedge strategy: good idea, questionable product choices 25:45 – Proposed solution: adding an uncorrelated "volatility buffer" bucket 32:24 – Wrap: reduce stress, increase retirement income, protect against risks FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Well we've officially made it to the end of our Rockefeller Method Series! This episode closes it all out by bringing everything together into one complete system.   The Rockefeller Method isn't a product you buy or a strategy you "try." It's a long-term framework built on certainty, structure, and intentional living. In this final chapter, Darren and Christina explain why wealth doesn't fail because of markets or bad investments — it fails when families don't pass down wisdom alongside money.   You'll learn why Infinite Banking, trusts, and governance structures only work when they're supported by clear values, shared philosophy, and ongoing family leadership. This episode introduces the concept of a Family Constitution — a document that captures how a family thinks about money, responsibility, opportunity, and legacy.   Most families focus on inheritance. The wealthy focus on heritage.   This conversation breaks down how families can protect wealth for generations by teaching clarity, confidence, and purpose — not just transferring assets. If you're serious about building wealth that lasts longer than you do, this episode is essential. Show notes: 00:00 - Introduction 01:49 – The Fatal Flaw in Most Wealth Plans 02:12 – Heritage vs Inheritance 02:51 – What Is a Family Constitution? 04:13 – The 4-Part Family Constitution Framework 04:32 – Premise: Your Philosophy of Money 06:50 – Vision: What Wealth Is Actually For 07:54 – Purpose: Your Family's 'Why' 09:04 – Strategy: Principles Over Tactics 11:09 – Why Writing It Down Changes Everything 12:06 – Passing Down Character, Not Just Capital 14:22 – Why This Takes Time (And That's Okay) 16:37 – Goal Setting for Legacy 18:56 – The Rockefeller Method as a Complete System 20:06 – The Vanderbilt vs Rockefeller Lesson 20:49 – Next Steps and Resources   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us On today's episode, we're back with our entrepreneurial spotlight series and joining Darren is Giovanni Marsico, founder of Archangel and creator of Destiny Fest — one of the most ambitious community-driven entrepreneurial platforms in the world.   Giovanni opens up about his origin story: being labeled "gifted" as a child, bullied for it, and learning to hate the very thing that would later become his superpower. From discovering the X-Men as a teenager to producing a 1,000-person event at just 17 years old, Giovanni shares how early experiences shaped his obsession with community, connection, and impact.   The conversation moves into darker territory as Giovanni reflects on a period of deep personal struggle, loss, and rebuilding — and how reframing pain as training completely changed his trajectory. That shift ultimately led to Archangel, Emmy-winning films like Dreamer, and now Destiny Fest — a large-scale event experience designed to merge financial success with meaningful impact.   You'll also hear Giovanni break down his powerful 5 C's of Dream-Building: Contribution Calling Curse Clarity Community   Along the way, he shares one of the most counter-intuitive marketing philosophies you'll hear this year: "Marketing is what happens after someone pays you." This episode is for entrepreneurs who feel called to something bigger — but may not yet know how to connect the dots between their pain, their gifts, and their purpose.   Show notes: 00:00 – From "Gifted" to Building Communities at Scale 02:32 – Bullied for Being Smart → Discovering Superpowers 04:06 – First Event at 17 & Finding His Path 09:15 – Hitting Rock Bottom (and the Turning Point) 13:17 – Entrepreneurs as Superheroes (Risk & Responsibility) 14:35 – Why Archangel Was Born 17:22 – Reverse-Engineering "Impossible" Goals (Seth Godin Story) 20:23 – The 5 C's of Dream-Building 28:13 – 10 Billion Smiles & the Vision for Massive Impact 31:14 – "Marketing Happens After They Pay You"   Find Giovanni on: Instagram: https://www.instagram.com/giovannimarsicoofficial/?hl=en LinkedIn: linkedin.com/in/giovannimarsico?originalSubdomain=ca   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us What actually happened with our 2025 predictions — and what does 2026 really look like for Canadians? In our annual predictions episode, Darren and Christina review last year's forecasts and hold themselves accountable for what they got right, what they missed, and what changed. From there, they break down what the data, policy decisions, and economic realities suggest for 2026. They cover: Bank of Canada interest rate expectations and why cuts may be nearing the end Why "higher for longer" interest rates are changing how Canadians must plan Canada's GDP outlook and why slow growth may persist Inflation: why it looks controlled on paper but still hurts everyday Canadians Housing market predictions for 2026 (no boom, no crash — strategy matters) Stock market outlook for Canada vs the U.S. Bitcoin: what we got wrong, what fundamentals improved, and realistic expectations Why cash value life insurance continued to quietly outperform as a stable foundation asset This episode is not about predictions for clicks — it's about understanding the environment Canadians are actually navigating and how to make informed decisions in a year defined more by stability than speculation. Whether you're an investor, business owner, or planner, this episode will help you enter 2026 with clarity, discipline, and a stronger financial framework.   Show notes:   00:00 - Introduction   1:50 - Bank of Canada predictions   4:00 - GDP predictions   6:40 - Inflation predictions   9:50 - Stock market predictions   12:15 - Real estate predictions   16:05 - Bitcoin predictions   20:00 - Cash value life insurance predictions FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Big goals don't create results — consistent execution does. In our annual goal setting episode, Darren and Christina share how they personally plan their year using a framework that blends EOS-style 90-day planning, daily habit systems, anti-goals, and weekly scorecards.   You'll learn why annual goals alone don't drive behavior, how to break big goals into manageable checkpoints, and how small daily actions compound into massive progress over time. The conversation also covers why perfection isn't required, how to recover quickly when you fall off track, and how to keep momentum going without burnout.   This episode is designed to help you move from motivation to control — and build a year that actually reflects your priorities.   Let's make 2026 your biggest and most successful year yet! Show notes:   00:00 - Introduction   3:45 - Why do people fail to hit their goals?   5:45 - Step one: Set big goals   6:40 - Step two: Checkpoint goals   7:40 - Step three: Daily systems   9:20 - Step four: Anti-goals   11:20 - Step five: Rules   14:55 - Step six: The EOS system   20:55 - Step seven: Monthly calibration   23:10 - The three pillars of goal setting   25:50 - The anchor habit   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Most people don't realize that choosing the wrong dividend option can completely undermine a whole life insurance strategy. On today's episode, Darren and Christina break down every dividend option available inside a participating whole life policy — and explain why Paid-Up Additions (PUAs) are not just the best option, but the only option that consistently delivers long-term wealth, liquidity, and control. You'll learn: What insurance dividends actually are (and how they differ from investment dividends) Why options like reduced premiums, cash dividends, and loan repayment slow down wealth How paid-up additions immediately increase cash value AND death benefit Why higher death benefit forces higher cash value over time How dividends on dividends create the "snowball effect" of uninterrupted compounding Why most critics of whole life insurance are reacting to poorly designed policies If you're using whole life insurance as a wealth tool — or considering Infinite Banking or the Canadian Rockefeller Method — this episode explains why paid-up additions are the engine that makes everything work. Show notes:   00:00 - Introduction   1:20 - Different types of dividend options   3:20  - Example of paid up addition   8:30 - Darren's analogy   13:45 - Why paid up additions give you control and access to your money   19:00 - Wrap up FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   You worked hard. You took the risk. You built the business. So why does it feel like the CRA is the biggest partner you never invited in? On today's episode, Darren and Christina break down the most dangerous corporate cash traps business owners fall into — often without even realizing it. From passive income clawbacks to estate planning disasters, these mistakes quietly erode your profits and limit your future options. This is required listening for Canadian business owners who want control, flexibility, and tax efficiency — not surprises from the CRA.   Show notes:   00:00 - Introduction   1:50 - What are corporate cash traps?   3:10 - The passive income trap   7:10 - Inefficient profit distribution   9:25 - Corporate association rules   11:55 - Estate planning traps   14:20 - Loss of the lifetime capital gains exemption   17:50 - How do we solve these traps?   21:15 - Real life example FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   In Part 9 of The Rockefeller Method series, Darren and Christina break down the most overlooked part of wealth building: your team. They reveal how wealthy families like the Rockefellers use a family office mindset, coordinated advisors, and clear governance to protect wealth for generations.    You'll learn why most Canadians focus only on products, while the rich obsess over alignment between accountants, lawyers, planners, and insurance specialists. They also show how to apply this in Canada using corporate-owned life insurance, the capital dividend account (CDA), and high cash value policies.   Show notes:   00:00 - Introduction   01:11 - Products Are NOT a Plan — Team Coordination Is   03:01 - Fragmentation: The Silent Killer of Wealth   05:01 - How the Rockefellers Built Their Family Office   07:01 - The Cost of Bad Advice + Money Magnifies Errors   09:31 - Preparing Heirs: Why Money Magnifies Who You Are   11:46 - Canadian vs. U.S. Rockefeller Method Differences   13:31 - Step 1: High Cash Value Life Insurance Foundation   15:31 - Corporate-Owned Policies & The Power of CDA   17:31- Generation 2 Policies + Cascading Tax-Free   20:11 - Trusts in Canada: Doing It the Right Way   22:31 - Different Plans for Different Families   25:01 - The Trustee & Board of Trustees: Your Team After You're Gone   27:01 - The CEO of the Family Wealth System: YOU   29:01- Final Takeaways: Start With the Foundation, Build Over Time   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   Most entrepreneurs think they need more clients. Chris Cooper says they actually need better math. In December's edition of our entrepreneurship series, Darren sits down with Chris Cooper as they break down The Simple Six – the six metrics every business owner MUST understand if they want to stop grinding and start growing:   Client head count (HEAD) Average revenue per member (ARM) Length of engagement (LEG) Effective hourly rate ROI on your expenses Net owner benefit Inside the episode, you'll discover:   Why being the best trainer, stylist, or technician does NOT make you a great business owner How underpricing quietly destroys your business (and what to fix first) Why increasing average revenue per client is more powerful than chasing more leads How Chris' mentorship program uses the Simple Six to find your biggest growth opportunity each month Why so many passionate entrepreneurs quit—not because they stop caring, but because the money math doesn't work Whether you're a gym owner, real estate investor, advisor, or any kind of entrepreneur, these six numbers apply to YOU.   Show notes:   00:00 - Introduction to Chris Cooper   01:22 - Chris hits rock bottom financially before a life-changing mentorship opportunity appears.   03:39 - The start of his blog DontBuyAds.com and turning blog posts into a bestselling book.   07:35 - Early growth of Two-Brain Business and choosing mentorship over courses for real results.   11:07 - Chris explains the Simple Six business metrics that drive profitability and success.   16:02 - Why entrepreneurs must fix pricing first before chasing more clients.   18:53 - The Golden Hour habit: one focused hour each day that 4x's business growth.   22:16 - Systems and documentation that turn chaos into a business that runs itself.   25:04 - The key traits of entrepreneurs who succeed long-term: self-leadership and consistency.   27:22 - The role of coaches in solving major problems in business and health in Canada.   33:33 - Redefining success: freedom of time, focus, energy, and money. FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Can you believe it's already December! What a year we've had and Darren and Christina are back for the last monthly update of 2025. In this episode, they'll cover:   Bank of Canada's final rate decision of the year and what stubborn inflation means for borrowers Why the Canadian dollar is stuck around 71–73 cents and what could shake it loose Stock markets defying expectations with double-digit gains year-to-date The latest Bitcoin correction: is it a buying opportunity or time to panic? Canada's soft but stable housing market and where motivated sellers are showing up The new memorandum of understanding for a pipeline from Alberta to the BC coast and what it could mean for Canada's economy Strong earnings from Canada's big insurers and why whole life insurance keeps dominating A very cool health perk: multi-cancer early detection testing through Manulife Vitality A quick recap of the Rockefeller Method Masterclass and what's coming next on the podcast If you're a Canadian investor, business owner, or just trying to make sense of money in this environment, this one's for you.   Show notes:   00:00 - Introduction   00:35 - Bank of Canada update   3:50 - Canadian dollar update   4:50 - Stock market update   5:40 - Bitcoin news   13:25 - Real estate update   16:10 - Economic news   23:30 - Life insurance industry news   28:45 - Control and Compound news FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar   Inflation is the biggest tax Canadians never voted for – and most people don't even realize they're paying it. On today's episode, Darren and Christina expose how inflation erodes purchasing power, widens the wealth gap, and punishes Canadians who don't own assets.   We break down: Why CPI numbers are manipulated and misleading How governments use inflation to repay debt with cheaper dollars The REAL reason housing, groceries, and energy feel up 30–200% Asset inflation vs consumer inflation — and why the rich get richer Why wages never keep up The "perfect storm" that crushed everyday Canadians   Then we show you the 4-step blueprint to beat inflation using the Infinite Banking Concept, including: Keeping your savings ahead of inflation Reducing taxes legally Buying more assets using policy loans Protecting yourself from market crashes PLUS the bonus step: creating generational wealth   If you want to escape inflation, eliminate tax drag, and start building REAL wealth the way wealthy families do… this episode is a must-watch.   Show notes:   00:00 - Introduction 00:42 – What Inflation REALLY Is (Not Just "Prices Up") 02:44 – Money Printing, Debt & Silent Wealth Transfer 04:27 – How CPI Hides Real Inflation 07:14 – Housing, Rent & Why Young Canadians Are Screwed 08:50 – Consumer Inflation vs Asset Inflation 10:25 – Central Banks, Wages & the Growing Wealth Gap 11:39 – The Perfect Storm for Everyday Canadians 12:04 – Why Canada's Housing Problem Is Almost Unfixable 13:29 – The Two Worlds of Inflation: Spenders vs Owners 14:54 – The 4 Steps to Beat Inflation 15:32 – Step 1: Make Your Savings Keep Up 16:23 – Step 2: Reduce Taxes (RRSP vs Infinite Banking) 20:15 – Step 3: Buy Assets & Use the "AND Asset" Strategy 22:32 – Step 4: Protect Retirement with a Volatility Buffer 25:56 – Bonus Step: Generational Wealth & the Rockefeller Method 28:41 – How to Get Started with Infinite Banking BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar     On today's episode, Darren and Christina break down the 2025 Canadian federal budget! They unpack why this so-called "once-in-a-generation" plan looks more like deficits on steroids, with a projected $78.3B deficit this year and national debt heading toward $2.9 trillion by 2029.    They dive into exploding interest costs, Ottawa's controversial net debt-to-GDP spin using CPP, and what this all means for taxes, interest rates, small business owners, and Canadian families. If you care about Canadian politics, fiscal responsibility, and building wealth in a high-tax, high-debt environment, this is a must-watch.   Show notes:  00:00 - Introduction & Budget Overview 01:10 - "Smoke and Mirrors" Budget Explained 02:28 - Deficits on Steroids & Record Spending 04:34 - Debt Explosion & Long-Term Consequences 07:03 - Interest Costs: The Silent Crisis 11:26 - Higher Rates & Government Picking Winners 13:31- Housing Promises vs. Reality 16:18 - Immigration Policy Tightening & Housing Impact 19:42 - First-Time Homebuyer Rebate Explained 21:53 - The Three Big Takeaways for Canadians 23:31 - Why Infinite Banking Matters More Than Ever 26:44 - Final Thoughts BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar   In Part 8 of The Rockefeller Method series, Darren and Christina break down one of the most powerful chapters in What Would the Rockefellers Do? — "Maximize Your Financial Efficiency and Earning Potential." This episode is all about financial efficiency and how wealthy families like the Rockefellers legally reduce: ✅ Taxes (income tax, capital gains tax, estate tax) ✅ Interest payments (mortgages, credit cards, lines of credit, business loans) ✅ Fees (investment fees, MERs, fund fees, hidden advisor fees) Darren and Christina walk through the real math behind your lifetime earning potential and show how small tweaks in tax planning, debt structure, and cash flow management can be worth millions of dollars over a 30-year career. You'll learn: How a typical earner can bring in $6.6 million over a 30-year working life Why 40% or more can quietly disappear to taxes How 35%+ can be lost to interest payments Why chasing "high risk, high return" is one of the biggest financial planning myths How to think like a wealthy family office, even if you're just getting started They also explain how high-cash-value life insurance and infinite banking-style strategies can: Create tax-advantaged growth Provide tax-free access to capital through policy loans Act as a private family bank to fund real estate deals, business opportunities, and emergencies without interrupting compound growth This episode is ideal for: Canadian business owners High-income professionals Real estate investors Anyone looking for tax-efficient wealth-building strategies that don't rely on market gambling Show notes:   00:00 - Introduction   02:00 - The Rockefeller Masterclass Announcement   03:10 - The 3 Wealth Destroyers   05:00 - Earning Potential & Self-Investment   06:20 - Taxes & Interest Breakdown   08:10 - Additional Wealth Destroyers   10:40 - High Risk vs High Return Myth   13:25 - Efficiency, Leverage & Control   15:10 - Life Insurance as the Solution   17:00 - Private Banking & Compounding   19:30 - Finding Everyday Efficiencies   21:00 - Rockefeller Strategy Breakdown   23:00 - How to Start Applying It   25:00 - Final Takeaways   BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true   Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar     On this month's entrepreneurial spotlight, Darren and Christina sit down with Caleb Bowers, President of Bowers Construction, to unpack how he went from being laid off, losing $70,000 in a single year, and driving a truck he couldn't afford… to building one of Atlantic Canada's most respected custom home brands. If you're a business owner, aspiring entrepreneur, real estate investor, or custom home dreamer, this episode is a masterclass in: Building a brand on craftsmanship, trust, and values Choosing value over volume in a "race to the bottom" industry Using Instagram and online reputation to attract dream clients Balancing marriage, family, faith, and business Playing the long game with development and legacy projects By the end, you'll see exactly how integrity, long-term thinking, and genuine care for clients can build a business—and a legacy—that actually lasts.   Show notes: 0:00 – Introduction to Caleb Bowers 1:30 – Building a brand on craftsmanship, trust & East Coast values 2:31 – Early money motivation & seeing wealth from "arm's length" 4:05 – First job at Highgate Homes: from labourer to general manager 6:52 – Seeing both sides: client vs builder vs landlord 7:55 – Getting laid off and starting Bowers Construction 11:20 – Buying three lots & learning the hard way on spec homes 14:10 – The year Caleb lost $70,000 (and the meeting that changed everything) 16:26 – Choosing value over volume in homebuilding 19:38 – Core values: Be a good person & go the extra mile 22:03 – Kids, marriage, and why business is now second to family 24:16 – "This is home": meaning behind the tagline 28:35 – Instagram strategy & becoming an early adopter 31:29 – Expansion into New Brunswick & rebranding with his brother 34:54 – Rapid-fire questions with Caleb   Connect with Bowers Construction: WEBSITE: https://bowersconstruction.ca/ INSTAGRAM: https://www.instagram.com/bowersconstruction/?hl=en   BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true