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The Your Life! Your Terms! Show
Tom, Nick, and Anthony from the Rock Star Inner Circle
567 episodes
15 hours ago
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
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Investing
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All content for The Your Life! Your Terms! Show is the property of Tom, Nick, and Anthony from the Rock Star Inner Circle and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
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
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Investing
Business
Episodes (20/567)
The Your Life! Your Terms! Show
The State of Canada's Real Estate Market with Ben Rabidoux

Ben Rabidoux is back on the show to unpack the latest data on Canadian real estate prices, rents, and what investors should expect heading into 2026.

We talk about falling building permits, softening rents, Toronto condos, and the lack of single-family homes across Ontario. Ben's data is top-notch.

Use code "EDGE30" for a $20 discount on Ben's monthly Canadian real estate reports: https://edgeanalytics.ca/

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1 day ago
56 minutes 55 seconds

The Your Life! Your Terms! Show
Why Money Is Flowing to Dubai & What Canadians Should Know with Ryan & Hisham

In this episode, we dive into Dubai’s real estate market and why investors from around the world are moving their money there.

Ryan Faza and Hisham Malhas break down how Dubai built a tax-free, investor-friendly system that’s attracting global capital. We cover prices, rental returns, financing options, and what makes it appealing to investors

Check out Revehub: https://reve.donative.in/


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1 week ago
1 hour 16 minutes 25 seconds

The Your Life! Your Terms! Show
Canada's Uncertain Future, AI Megatrends & Gold Explodes with Tom & Nick Karadza

The Great Canadian Debasement isn’t slowing down anytime soon. 

In this episode, Tom and Nick break down what it means for real estate, gold, Bitcoin, and energy as we enter the new economy. 

They dig into the wild condo market, the Canadian economy, and how AI and computing power are reshaping everything. 

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1 week ago
1 hour 3 minutes 41 seconds

The Your Life! Your Terms! Show
AI, Canadian Real Estate & Raising Kids in the New Economy with Nick Karadza

In this episode, we dive into how AI, real estate, and a broken education system are reshaping the next generation’s future.Nick shares how he’s teaching his kids about money, why Gen Z still has major opportunities to invest, and why Canada desperately needs to get its priorities straight.We end with some fun rapid-fire questions.

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2 weeks ago
1 hour 2 minutes 32 seconds

The Your Life! Your Terms! Show
Why Canada's Economy is Failing Canadians with Richard Dias

Richard Dias is back with us to break down why Canada is stuck in a productivity crisis.

We get into everything from housing and misallocated capital to government regulation, taxes, and AI. 

Richard explains why Canadians feel poorer even while working harder, and what the market is telling us about mortgages, deficits, and debt. We also touch on energy, pipelines, and how Canada could unlock real growth if it tapped into its resources. 

It’s a raw and insightful look at where the economy is headed and what it means for everyday Canadians.

Follow Richard on X: https://x.com/RichardDias_CFA

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3 weeks ago
1 hour 8 minutes 33 seconds

The Your Life! Your Terms! Show
The Truth About Toronto Real Estate, Condos, and Cash Flow with Zhen Liang

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!

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4 weeks ago
1 hour 13 minutes 54 seconds

The Your Life! Your Terms! Show
From MLM to Real Estate Freedom: Lessons from Rock Star’s Longest Running Coach, Leslie Kitchen

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.


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1 month ago
57 minutes 24 seconds

The Your Life! Your Terms! Show
How Billion Dollar Developers See Canadian Real Estate In 5 Years with Peter Politis

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.

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1 month ago
1 hour 6 minutes 7 seconds

The Your Life! Your Terms! Show
Canada's Rate Cuts & Productivity Crisis with Richard Dias

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

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1 month ago
50 minutes 54 seconds

The Your Life! Your Terms! Show
How to Buy Your First House in Canada in 2025 with Dan Patton & Mike Desormeaux

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.

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1 month ago
1 hour 4 minutes 12 seconds

The Your Life! Your Terms! Show
Real Estate, Bitcoin & the New Financial System with Mauricio Di Bartolomeo

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/

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2 months ago
1 hour 3 minutes 53 seconds

The Your Life! Your Terms! Show
Rich by 30: Lesley-Anne Scorgie on the Habits that Build Wealth and Freedom

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.


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2 months ago
53 minutes 2 seconds

The Your Life! Your Terms! Show
Toronto Multiplex Rules 2025 Explained | How to Build 7 Units on 1 Lot with Craig Race

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.


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2 months ago
1 hour 5 minutes 4 seconds

The Your Life! Your Terms! Show
Bitcoin is Electricity Money: How Mining Reshapes the World w/ Jacob Scanlan (Hashpower Academy)

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.

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2 months ago
1 hour 22 minutes 5 seconds

The Your Life! Your Terms! Show
Canada's Money Printer, AI's Job Shock, and Interest Rate Predictions with Tom & Nick Karadza

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.

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2 months ago
1 hour 7 minutes 38 seconds

The Your Life! Your Terms! Show
Money Printing Is Destroying Canada’s Middle Class with Hanif Bayat

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

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2 months ago
36 minutes 35 seconds

The Your Life! Your Terms! Show
RS LIVE #3 - Game Changing Mortgage Program Investors NEED To Know About! With Daniel Patton & Lorenzo Podda

The Game-Changing Mortgage Programs Every Investor NEEDS to Know About
In 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/

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2 months ago
55 minutes 35 seconds

The Your Life! Your Terms! Show
Opting Out of Big Tech: Matt Hill on Sovereign Computing, Privacy & Taking Back Control

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

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2 months ago
1 hour 18 minutes 15 seconds

The Your Life! Your Terms! Show
Strength, Power & Prevention: The New Blueprint for Aging with Lauren Karatanevski and Scott Christie

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.

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3 months ago
1 hour 10 minutes 25 seconds

The Your Life! Your Terms! Show
The Dark Arts of Email: Ben Settle on Direct Response, Audience Building & the Media Every Business Owner Should Master

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!

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3 months ago
1 hour 16 minutes 40 seconds

The Your Life! Your Terms! Show
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