Money Mindset Mastery: Personal Finance and Wealth Building

TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen
  • 0.0 (0)
  • INVESTING
  • UPDATED BIWEEKLY

Money Mindset Mastery is a Canadian personal finance podcast hosted by financial professionals. We blend behavioral finance with practical cash‑flow planning so Canadians can budget better, crush debt, invest smarter, and optimize taxes under CRA rules. Episodes cover RRSP/TFSA/RRIF, CPP/OAS, pensions, annuities, decumulation, tax‑efficient withdrawals, RESP/FHSA, mortgages, retirement income planning, and insurance: life, disability, critical illness, long‑term care. #PersonalFinancePodcast #MoneyMindset #WealthBuilding #InvestingForBeginners #BudgetingTips #FinancialFreedom #DebtPayoffStrat

  1. MAY 5

    #113 | Pavillion - From Tax Pain to Capital Gain: How Flow‑Through Investing Works

    The episode explores tax strategies, flow-through funds, and their tax advantages. Dan Pembleton shares his expertise and insights on the history, investment portfolio, accessibility, and limitations of flow-through funds. Real-life examples of personal and corporate scenarios are discussed, highlighting the tax planning and alternative minimum tax implications. The conversation covers tax benefits and investments, RRSPs and flow-through shares, laddering and tax impact, and information and education. It delves into the complexities of tax benefits, investment risks, estate planning, and the benefits of laddering. The importance of educational tools, advisor consultation, and onboarding for investors is emphasized. Takeaways Flow-through funds offer significant tax advantagesInvestors should seek professional advice to determine eligibility and suitability for flow-through funds Understanding tax benefits and investment risksUtilizing flow-through shares for estate planningImportance of education and advisor consultation Chapters 00:00 Introduction to Tax Strategies07:37 CRA Approval and Government Incentives12:49 Investment Portfolio and Company Selection20:41 Investment Holding and Tax Planning29:28 Tax Benefits and Investments36:01 RRSPs and Flow-Through Shares44:30 Laddering and Tax Impact50:55 Information and Education

    45 min

  2. APR 20

    #112 | Smiles, Cash Flows, and Consolidation: The Case for Dental Investing

    The conversation with Kyle from New Look Dental covers the company's background, investment thesis, and operational strategies. It delves into the dental industry's unique characteristics, the concept of dental roll-ups, and the impact of the Canadian Dental Care Plan (CDCP). The discussion also explores the value creation process, the importance of clustering, and the balance between operational improvements and multiple growth. Additionally, it addresses the human side of the business, focusing on patient care and the dentist's experience. The conversation covers the challenges of integrating a new clinic, the role of New Look in clinic integration, the impact of technology, the risks and returns of investing in dental practices, and the unique value proposition of New Look Dental. Takeaways Dental industry's recession resilienceValue creation through operational improvements and multiple growth Clinic integration challengesRole of New Look in clinic integrationImpact of technology in dental practicesRisks and returns of investing in dental practicesUnique value proposition of New Look Dental Chapters 00:00 Balancing Efficiency and Patient Care38:37 Risks and Returns of Investing in Dental Practices46:33 Impact of Technology in Dental Practices52:07 Unique Value Proposition of New Look Dental

    55 min

  3. APR 14

    #111 | Why So Many Canadians Feel Broke—Even With a Good Income (And How to Regain Control in 2026)

    Most Canadians with good incomes are feeling broke—and the root causes might surprise you. Despite earning over $100,000 a year, many are struggling financially because of habits, complacency, and unpredictable expenses. In this eye-opening episode of the Money Mindset Mastery Podcast, Jim, Ryan, and Denis peel back the curtain on why "living paycheck to paycheck" isn't just a low-income problem anymore—it's an epidemic across all income levels.Ryan, a seasoned cashflow coach, joins us to reveal how even high earners unknowingly sabotage their financial stability through poor habits like lifestyle creep, untracked spending, and ignoring the real cost of debt. You'll discover concrete tactics to break the cycle, including the power of consolidating high-interest debt into manageable mortgages, mastering behavioral spending triggers, and creating a simple cash flow plan that works in the real world—without deprivation. We break down surprising stats—like 85% of Canadians living paycheck to paycheck—and explore how inflation, rising interest rates, and the pressure to keep up with social media's highlight reel are fueling financial stress for even the most financially savvy. Plus, learn how habits formed during COVID, skyrocketing mortgage renewals, and lifestyle upgrades are creating a perfect storm of financial pressure. This episode is essential listening for anyone feeling overwhelmed by expenses, worried about future debt, or unsure where their money is really going. Whether you're a high earner or just want to avoid financial stress, you'll walk away with actionable steps to take control, strengthen your financial habits, and start sleeping better at night.Ryan Genoe is a certified cashflow coach and financial strategist, known for helping clients create behavioral change around money and build sustainable financial plans. His insights on debt consolidation, spending habits, and behavioral triggers can genuinely transform your financial future. If you're ready to stop feeling broke despite a good income, tune in now. This is the wake-up call you can't afford to miss—your future self will thank you.

    54 min

  4. APR 1

    #110 | To Fix or Not to Fix? Rates, Gas Prices, and Your Mortgage in a Shaky Economy

    The conversation covers a range of topics related to the financial landscape, including mortgage rates, inflation, and the impact of geopolitical events on the economy. The speakers provide insights into the current state of the market and offer perspectives on potential future developments. The conversation covers the topic of mortgage rates and the decision-making process between fixed and variable rates. It also delves into the importance of flexibility, planning, and seeking professional advice. The conversation emphasizes the need for individualized decision-making and the impact of economic factors on mortgage rates. Takeaways Mortgage rates are influenced by a variety of factors, including economic conditions, geopolitical events, and central bank policies.Inflation and interest rates play a significant role in shaping the mortgage market, impacting both fixed and variable rates. Mortgage rates: The conversation explores the considerations between fixed and variable rates, emphasizing the importance of individual circumstances.Flexibility and planning: The importance of flexibility and long-term planning in mortgage decisions is highlighted, with a focus on understanding individual goals and life events. Chapters 00:00 Introduction and Speaker Background07:33 Renewals and Historical Comparison of Mortgage Rates20:10 Oil Prices, Geopolitical Impact, and Historical Context25:34 Market Response and Variable Rate Pricing31:15 The Impact of Flexibility and Planning38:22 Renewal and Course Correction49:30 Proactive Mortgage Management59:34 Closing Remarks and Future Topics

    51 min

  5. MAR 19

    #109 | Iran War Shock: Can Private & Alternative Investments Deliver Stability When Markets Panic?

    Summary The episode discusses the impact of the war in Iran on investments, focusing on private and alternative investments as a means of stability during market volatility. It also explores the differences between public and private markets, the role of diversification, and the potential benefits of investing in private alternatives during times of volatility. The conversation covers the topics of investment strategies, market behavior, and the role of advisors in navigating financial uncertainty. It emphasizes the importance of long-term planning, diversification, and resilience in investment portfolios. DISCLAIMER: The content in this podcast/video is for informational and educational purposes only and is not financial, investment, legal, accounting, tax, or other professional advice. It does not take into account your personal objectives, financial situation, or needs, and nothing discussed should be interpreted as a recommendation, offer, or solicitation to buy or sell any security, investment product, or strategy. Any opinions expressed are those of the hosts and guests as of the date of recording and may change without notice. Past performance is not indicative of future results, and all investing involves risk, including the possible loss of principal. Before making any investment or financial decisions, you should consult with a qualified, licensed professional who can provide advice tailored to your individual circumstances and assess the suitability of any strategy for you. The firm and its representatives may have positions in, or relationships with, the investments or issuers discussed and may change such positions at any time, without notice. Takeaways * Private and alternative investments offer stability during market volatility. * Diversification across public and private markets can help manage risk and enhance portfolio stability. Dollar-cost averaging is a key strategy for consistent investing over time. * Geopolitical shocks and market volatility can create short-term buying opportunities, but long-term planning is essential. * Advisors play a crucial role in guiding clients through fear and uncertainty, helping them avoid panic trading and stay focused on long-term goals. Chapters: 00:00 - Introduction to market volatility and private investments 06:30 - Managing portfolio risk with alternative investments 12:18 - Differences between public and private market responses 19:38 - Diversification strategies to reduce downside risk 30:42 - Investment strategies during geopolitical crises 38:12 - Building portfolio resilience with private assets 50:55 - Navigating media influence and maintaining discipline 58:34 - Final reflections and trusted advisor insights

    55 min
  6. #108 | When Finance Feels Like a Game: How Gamification Can Push Canadians Into the Wrong Products

    MAR 5

    #108 | When Finance Feels Like a Game: How Gamification Can Push Canadians Into the Wrong Products

    Unlock the hidden tricks financial apps and institutions use to manipulate your choices — and discover how to protect your hard-earned money from their psychological games. If you’re tired of feeling duped, this episode reveals the covert tactics that push Canadians into risky products and debt traps, often disguised as rewards and incentives. Jim Lao, Ryan Genoe, and Eric Petersen dive deep into the surprising ways gamification and marketing strategies are designed to exploit your behavioral biases. From tempting offers like free gadgets that secretly cost more than they appear, to the dangers of pre-approved credit lines and misleading “win a home” lotteries, they expose the psychology behind these schemes. You’ll learn how banks use rewards, badges, and instant gratification to keep you hooked, often at the expense of your financial wellbeing. We break down specific tactics, including how apps nudge you with points, badges, and lotteries, all aimed at increasing spend and borrowing. You'll discover the real costs behind “free” offers, why fine print is your enemy, and how to ask the right questions before clicking “accept.” Plus, expert advice on spotting predatory marketing, understanding hidden fees, and setting your own cooling-off rules to avoid impulsive mistakes. This episode is essential listening for anyone who wants to stay in control of their finances. If you're tired of being played by marketing tricks and want to safeguard your future, these insights will give you the clarity and confidence to navigate the financial landscape smarter. Don’t let the industry’s gamification strategies rob you of peace of mind — empower yourself today. Eric Petersen, a seasoned financial advisor, shares real-world examples of how these tactics play out and offers practical tips on how to resist temptation and make informed decisions. Whether you're managing your investments, credit, or savings, understanding these psychological levers can make the difference between financial freedom and regret. Stop falling for the tricks — learn to recognize the games and how to win at your own financial future. Perfect for consumers, investors, and anyone eager to decode the marketing psychology that influences everyday financial decisions. Hit play and start taking control now.

    50 min
  7. #107 | Volatility and market noise: Why a specialist team beats a solo Advisor

    FEB 6

    #107 | Volatility and market noise: Why a specialist team beats a solo Advisor

    SummaryThe webinar begins with an introduction and a brief history of the Money Mindset Mastery podcast. The conversation then delves into the challenges of navigating market volatility and the importance of working with a team of professionals. The backgrounds and expertise of Denis B, Eric Petersen, and Ryan Genoe are discussed, highlighting their roles within the CFO team at TVH Financial. The concept of a CFO team and its significance in providing customized financial solutions is explored, emphasizing the importance of offering what's best for the client and collaborative problem-solving for clients. The conversation covers a range of topics including client decision-making, accountability, cash flow coaching, ethical concerns in banking, market volatility, integrated financial planning, team collaboration, and compensation structure. The speakers emphasize the importance of client focus, ethical decision-making, and the benefits of an integrated financial planning team. They also discuss the impact of emotion on decision-making and the role of human interaction in financial coaching.Takeaways* Collaborative problem-solving and customized financial solutions are essential for navigating market volatility.* The CFO team at TVH Financial plays a crucial role in providing specialized expertise and tailored financial solutions for clients. Client focus and ethical decision-making are key priorities for the financial planning team.* Integrated financial planning and team collaboration lead to greater efficiency and client support.

    58 min
  8. #106 | Top 5 Financial Myths We Busted in 2025

    12/16/2025

    #106 | Top 5 Financial Myths We Busted in 2025

    In this episode of the Money Mindset Mastery podcast, hosts Jim Lao, Ryan Genoe, and guest Eric Petersen dive into the world of financial myths and truths. They debunk common misconceptions about debt, investing, and market risks, sharing insights and personal stories. Discover how financial education, disciplined investing, and strong habits can lead to financial success. Tune in to learn why debt can be a tool, how to start investing with small amounts, and the importance of diversification. #FinancialMyths #Investing #MoneyMindset

    38 min
See All (113)

About

Money Mindset Mastery is a Canadian personal finance podcast hosted by financial professionals. We blend behavioral finance with practical cash‑flow planning so Canadians can budget better, crush debt, invest smarter, and optimize taxes under CRA rules. Episodes cover RRSP/TFSA/RRIF, CPP/OAS, pensions, annuities, decumulation, tax‑efficient withdrawals, RESP/FHSA, mortgages, retirement income planning, and insurance: life, disability, critical illness, long‑term care. #PersonalFinancePodcast #MoneyMindset #WealthBuilding #InvestingForBeginners #BudgetingTips #FinancialFreedom #DebtPayoffStrat

Information

  • Creator
    TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen
  • Years Active
    2020 - 2026
  • Episodes
    113
  • Rating
    Clean
  • Copyright
    © 2026 TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen
  • Show Website
    Money Mindset Mastery: Personal Finance and Wealth Building