Control and Compound with Darren Mitchell

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Welcome to Control and Compound with Darren Mitchell, a podcast about infinite banking, real estate investing, and what business owners and individuals should be doing with their money. For helpful tips and tricks, visit our Instagram, Facebook, and TikTok at @controlandcompound. Episodes release every Monday. 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.

  1. Salary vs Dividends in Canada: What Business Owners Need to Knowv

    4D AGO

    Salary vs Dividends in Canada: What Business Owners Need to Knowv

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   Should you pay yourself through salary or dividends as a business owner in Canada? On today's episode, Darren and Christina break down one of the most common questions entrepreneurs ask — and explain why the answer is about much more than just taxes. They cover the real differences between salary and dividends, how each one impacts your corporation, personal taxes, CPP, lending ability, cash flow, investing, retirement planning, and long-term wealth, and why sometimes the smartest move is to leave more money inside the corporate structure. They also discuss: how salary affects borrowing capacity why dividends offer more flexibility how tax integration works in Canada why pulling too much money out of your corporation can hurt long-term growth how holding companies and corporate-owned life insurance can play a role in tax-efficient wealth planning If you're a Canadian business owner trying to make smarter decisions with your corporate dollars, this episode is a must-watch.   Show notes: 00:00 -  Introduction 00:23 - Why this is one of the most common questions entrepreneurs ask 02:38 - What salary is and how it works inside a corporation 04:48 - The biggest advantage of salary: lending and borrowing power 06:43 - What dividends are and how they differ from salary 08:06 - The lending downside of dividend income 10:33 - Tax integration in Canada: why salary and dividends often net out similarly 13:27 - Why this decision affects retirement, cash flow, and long-term wealth 15:37 - The bigger mistake: taking too much money out of the corporation 21:00 - Sometimes the right answer is neither salary nor dividends   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.

    24 min
  2. The TRUTH About Owning Multiple Infinite Banking Policies (Most People Get This Wrong)

    MAR 23

    The TRUTH About Owning Multiple Infinite Banking Policies (Most People Get This Wrong)

    Most people think you start a second policy when you have more money. While that may be the case sometimes, there's so many other reasons why you can start a second, third, and maybe even a fourth policy!   On today's episode, Darren and Christina break down exactly when and why a second cash value life insurance policy makes sense. From max funding limits to corporate strategies, unexpected cash flow, and generational wealth planning, we walk through the real reasons people expand beyond their first policy.   If your first policy is doing what it's supposed to do, the next challenge isn't performance – it's capacity. This episode will help you understand how to recognize that moment, and how to build a system that grows with you, your business, and your family over time.   Show notes:   00:00 - Why a second policy becomes part of the conversation 01:23 - What clients realize after their first policy starts performing 02:09 - Why you can't just keep adding money to the same policy 03:00 - Reason #1: your first policy proved the concept works 04:10 - Reason #2: using a second policy for corporate retained earnings 05:37 - Reason #3: what to do when you come into extra money 07:16 - Reason #4: separating a workhorse policy from a legacy policy 09:08 - Reason #5: using spouse and family policies for estate planning 12:09 - Reason #6: insuring children for legacy and generational wealth 25:01 - 10 questions to ask before starting a second policy   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.

    28 min
  3. Infinite Banking in Canada Explained: 1.0 vs 2.0 vs 3.0

    MAR 16

    Infinite Banking in Canada Explained: 1.0 vs 2.0 vs 3.0

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   What is Infinite Banking in Canada, and how do you know whether you're still at level 1.0 or ready for 2.0 and 3.0? On today's episode, Darren and Christina break down the real difference between using cash value life insurance in Canada for simple policy loans versus using it for wealth creation, retirement income, tax efficiency, and legacy planning.   They explain how Infinite Banking 1.0 is where most people start: borrowing against a properly structured policy for major purchases, liquidity, and better control over money. Then they move into Infinite Banking 2.0, where the strategy becomes a true wealth-building tool for Canadian business owners, real estate investors, and families who want to use policy liquidity to create assets, generate income, and multiply capital. Finally, they unpack Infinite Banking 3.0, where the conversation expands into tax-free retirement planning, estate planning, corporate planning, and leaving more to family instead of CRA.   If you've been researching Infinite Banking Canada, cash value life insurance, corporate-owned whole life insurance, or tax-free retirement strategies for Canadians, this episode gives a clear framework for understanding how the strategy can evolve from basic use to advanced planning.   If you're a Canadian business owner, investor, or family looking to understand how this strategy could fit into your financial plan, connect with the Control and Compound team.   Show notes:   0:00 - Intro: Infinite Banking 1.0, 2.0, and 3.0 0:48 - What most people get wrong about Infinite Banking 1:56 - Infinite Banking 1.0 explained 2:41 - Using policy loans for cars, debt, and short-term needs 4:05 - Why 1.0 builds discipline but not major wealth 4:49 - Infinite Banking 2.0: asset creation and compounding 5:14 - Using policy liquidity for real estate, business, and investing 6:15 - Building an opportunity fund and volatility buffer 8:09 - Infinite Banking 3.0: legacy, retirement, and estate planning 10:09 - Why tax-free liquidity at death matters 10:28 - Corporate-owned life insurance and the capital dividend account 12:00 - Why cash value can outperform traditional fixed-income buckets 14:06 - Retirement income, market volatility, and spending more confidently 17:09 - Why this is a major strategy for Canadian business owners 21:21 - Final recap: 1.0 vs 2.0 vs 3.0   Topics covered: Infinite Banking Canada, cash value life insurance Canada, policy loans, uninterrupted compounding, corporate-owned life insurance, tax-free retirement, estate planning, retained earnings, retirement income planning, capital dividend account, legacy planning.   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.

    24 min
  4. Harleen Laroia on Leadership, Wellness, and Building with Purpose

    MAR 9

    Harleen Laroia on Leadership, Wellness, and Building with Purpose

    Yesterday was International Women's Day, and today we're continuing that celebration by spotlighting an incredible woman who is building businesses, creating impact, and empowering communities. In this special Entrepreneur Spotlight episode of Control and Compound, Christina sits down with Harleen Laroia. Harleen, a visionary CEO, spearheads a renowned childcare and Montessori brand with twelve facilities in Ontario. Driven by her children's needs, she transitioned from the corporate world to founding her own childcare brand with a unique offering of Montessori and play-based under one roof. SimplySmart Childcares provide employment for over 235 people in Ontario, with 99.9% being women. Inspired by her daughter's birth, Harleen ventured personally into taking care of her health and finally is the Director of the two OsteoStrong facilities in Oakville & Toronto. Here, she empowers individuals of all ages and fitness levels to enhance their bone health and overall well-being, aiming to defy age-related limitations. Harleen's leadership embodies a deep commitment to promoting well-being and empowering individuals. Her journey reflects a passion for creating positive change personally and within communities. Under Harleen's leadership, the Childcare & Montessori establishment sets a high standard for nurturing children and providing a robust educational foundation. Meanwhile, the Osteostrong facility serves as a symbol of prioritizing health and revolutionizing fitness ideologies. Harleen's vision transcends conventional norms, emphasizing inner strength and resilience. This facility accommodates individuals aiming to enhance bone health and physical capabilities, reflecting Harleen's holistic approach to well-being. Now she is embarking on an adventure in 2026 launching the Mura CircleTM which will enable us to become more conscious parents and aware of how we show up to raise the next generation and in our relationships. In essence, Harleen's entrepreneurial journey, fueled by her children's needs and personal experiences, encompasses childcare, education, relationships and a dedication to holistic health, leaving a lasting impact on individuals and communities. This episode dives into entrepreneurship, leadership, wellness, parenting, and legacy — and what real strength actually looks like in business and life. If you've ever faced self-doubt, struggled to balance career and family, or wondered what it takes to build something meaningful, this conversation will resonate.   Show notes: 00:00 - Introduction 00:22 - Meet Harleen Laroia and the story behind SimplySmart 01:16 - From corporate telecom career to entrepreneurship 02:03 - Building businesses from personal need 03:16 - The impact SimplySmart had on families and children 04:54-  Leadership lessons from scaling multiple businesses 06:23 - Why empowerment and trust matter more than control 07:16 - Working on the business vs in the business 08:26 - The leadership structure that helped her scale 10:31 - Entrepreneurship, stress, and women's health 13:40 - Longevity vs healthspan and the importance of wellness 16:31 - Barriers women face in business 18:30 - Why successful leaders don't take things personally 20:02 - Overcoming self-doubt and investing in personal growth 26:56 - Mirror Circle and conscious parenting 31:43 - Lightning round + final leadership insights   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.

    35 min
  5. Canada's Debt Problem Is Bigger Than You Think

    MAR 5

    Canada's Debt Problem Is Bigger Than You Think

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   Canada's economic future is becoming one of the most important conversations happening today. Rising government spending, persistent deficits, and growing debt are raising serious questions about long-term economic growth, investment, and tax policy. On today's episode, Darren sits down with returning guest Jake Fuss, Director of Fiscal Studies at the Fraser Institute, to break down the big picture of Canada's economic trajectory. They discuss the real impact of affordability programs, government spending, deficits, and what Canada's rising debt could mean for businesses, investors, and everyday Canadians. The conversation dives into topics like inflation pressures, business investment leaving Canada, regulatory barriers, and the potential tax implications if current fiscal trends continue. Whether you're a business owner, investor, or simply someone trying to understand where Canada's economy may be headed, this episode provides critical context to help you make better financial decisions.   Show notes: 0:00 - Why Canada's Economic Future Should Worry You 1:28 - The New GST Credit: Will It Actually Help Canadians? 3:15 - Why Government Cash Payments Don't Fix Affordability 5:09 - Can Government Spending Cause Inflation? 6:26 - The Budget Trick: Operating vs Capital Spending 8:48 - Canada Is Running Massive Deficits… Outside a Recession 10:42 - What Happens When Deficits Become "Normal" 13:55 - Countries That Fixed Their Economies (Ireland & Estonia) 15:49 - Why Economists Measure Debt Per Person 17:12 - The Fiscal Turnaround Canada Pulled Off in the 1990s 19:22 - Why Businesses Are Investing Less in Canada 21:49 - The Biggest Economic Risks Facing Businesses Today 24:27 - Canada's Real Problem: Spending, Taxes, or Growth? 26:22 - The Biggest Economic Risk Facing Canada Right Now 27:04 - The Fiscal Myth Most Policymakers Believe 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.

    30 min
  6. Volatility, Pressure & Big Decisions Ahead for Canadians | March Update

    MAR 2

    Volatility, Pressure & Big Decisions Ahead for Canadians | March Update

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   On the surface, things look stable. Inflation is near target. Rates are holding. The dollar isn't moving much. Markets aren't melting down. But underneath? There are some real shifts happening. On the March update, Darren and Christina talk about Canada's productivity problem, the growing imbalance between government and private sector jobs, real estate entering what we'd call a "pressure phase," and why Bitcoin's drop may not mean what people think it means.  They also dive into why Canada's market is outperforming the U.S. right now — and it has less to do with the economy than most people assume. If you care about where the country is heading financially, this is an important one. Tune in now! Show notes:   00:00 - Introduction   1:05 - Bank of Canada update   2:50 - Inflation news   3:45 - Canadian dollar update   5:10 - Stock market update   8:00 - Bitcoin update   11:10 - Real estate update   13:20 - Economic news   17:35 - Life insurance industry news   22:30 - Control and Compound news   24:20 - Podcast 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.

    28 min
  7. The Hidden Reason Entrepreneurs Burn Out | Buy Back Your Time with Dan Martell

    FEB 23

    The Hidden Reason Entrepreneurs Burn Out | Buy Back Your Time with Dan Martell

    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.

    28 min
  8. What Every Canadian Needs to Know About Passing Down Wealth

    FEB 16

    What Every Canadian Needs to Know About Passing Down Wealth

    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.

    27 min
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Welcome to Control and Compound with Darren Mitchell, a podcast about infinite banking, real estate investing, and what business owners and individuals should be doing with their money. For helpful tips and tricks, visit our Instagram, Facebook, and TikTok at @controlandcompound. Episodes release every Monday. 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.

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