LOL Gary been great with me and I am not in hiding just moving one home to another and setting up a new place and new direction for our show. Only letting a sneak peak started in December with my CPP and put it in Questrade and after 6 months off $919 roughtly a month. Here what I bought. Soon I have it all documented on Youtube but I did not want to bore people with the intial picks plus we been filming stuff so we can look different from the crowds and just have fun. LIVE LOVE LAUGH Income investing if you embrace it like many in this community especially our Baby Making Machine Gary LOL thank you I been blessed to have someone who geniunely cares about everyone success. So here we go. If Gary steals this idea go for it buddy you always let us access to your data. One data when the Laurie and Mike show hit the road in our big beautiful Class A RV and 4 furbabies...I love to film meeting Gary and his family. Gary a gift to all of us and thank you.

By Michael Laba, The Unstuck CEO of Retirement Is Us (2026) Inc. Article today was Inspired from my friend in the group Peter (Yes Freakin Peter lol) and listening to all our private chats. Ever feel like you're just keeping your head down, doing the work, but quietly absorbing everyone else's chaos? I see it all the time. People holding onto speculative, non-dividend-paying stocks, hoping for a miracle, all while burning out in toxic jobs. When is enough yes enough??? It’s the ultimate trap. You become a slave to another man's chaos or peoples expectations of you. Let me tell you from the other side of the fence; when you finally let go, it is incredibly powerful. It feels exactly like William Wallace at the end of Braveheart screaming: FREEDOM!!! So stop being gutted !!! Okay, I let go and give you a flashback to 2024 and I was a little stuck. I don't normally share my 10 portfolios well except one soon coming up from our channel and I learned something yesterday about getting shut down, another article brewing. Let's face it and come on they teach you how to get a job or hold onto a career, BUT NOT when to leave. My goal was $86k to retire. Here was my picture thinking to get to $168k a year and that became the addiction every month as I sold, trimmed and played, not seeing my body at 439 pounds and using a chair to sit as I walk working in workplace. The Turning Point (When it Started) Back in July 2021-22, I faced this exact crossroad. I had been cut or rebuilt for the 17th time in my career. I remember sitting at the ball diamond on a beautiful sunny day, listening to the noise of the workplace and someone else's dreams and name on the building and expectations of me. Making 23k a year holding onto speculation growth stocks I was scared shittless knowing my end is nearing and I did not want to learn new systems or work for a 4th sales company after 2 decades of success. That was the moment. I fired them emotionally on the spot. The writing was on the wall, and I got to work. Wow letting go was powerful and still is today. At the time, my portfolio was heavily weighted in stocks like Air Canada, Blue Chips like TD, RY, ENB, and all the stuff your FA teach you should buy and 4% rules of the past. Much of my stuff wasn't paying me a dime so I asked myself what is the opportunity cost of holding on to this stuff. I cracked open my spreadsheets, calculated how long it would take to get my capital back, and looked hard at Class A shares and the newer income ETFs coming out as I was evolving from Class A share guy to CC Call Leveraged ETF guy as products came out.

I recently had my accounts completely shut down ((twice)) just for trying to move my own money, and I wanted to share the lesson learned with the group. First, I used eTransfer to move funds from TD to Questrade, not done before tired forgot I usually use Visa Debit. Almost immediately, everything got locked down on app. I then tried via website because it was new IP address it did two step but then it made me change my password. I called in, got the accounts unlocked, and made sure Customer Service put notes on my file but it was also because I was at a different IP address and even tried to pay a common bill and they put full hold on my app afterwards. So called and thinking I was in the clear, I switched back to my usual method: Visa Debit, which normally has the money there in 10 to 30 minutes. Boom. Blocked again, WTF and this time they locked me out of both the app and the website instantly again but not my wife so I knew it was me. It’s incredibly annoying to deal with, but I have to admit it gives me a little peace of mind knowing the security actually works. The reality is that brick-and-mortar banks are heavily tracking your IP address (Don't use a VPN so stay out of public wifi) and behavioral habits as Customer Service told me with all fraud and scams going on. When you finally get things straightened out, you have to stay consistent. If you are doing things from a summer spot or a different network, it flags as suspicious behavior, just call them know like I do with my credit cards when I travel to other countries give them a heads up. Here is the takeaway to save yourself the headache: - Notify them of location changes: If you’re trading or moving money from a summer spot, let your bank know so you don't trip the fraud wire or the dreaded WB033 error. - The safest method: Both Customer Service (and even my AI) recommended setting up Wealthsimple or Questrade as a standard Bill Payment. It takes a little longer to clear than two methods above, but it won't get your accounts frozen.

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Remember you can do even when working and I hate word melt down and use up. Why stupid thinking from our 4% FA world. Here what I do usually in beginning of the year or when stocks are down. Why down you lose or gain room based on that days priced locked in. So if you paid 70c for a stock and it drops to 20c or ETF you paid $8 and it drops to $6 you get a bonus...You might have to think for a minute. When Government sees this situation they know what you are doing. There is NO straight from RRSP or RRIF to TFSA. Why the third account you ask? or as they call it a pass threw account simply for taxes. Simple they are dereg your RRSP room and paying taxes in non registered account then they are subtracting the room of TFSA remember 109,000 since 2009 but also plus any withdrawals following year. You have to know as they are behind in TFSA. I don't usually gross up now as I do subtraction but once you hit each threshold they over rule you so you can put 10% but if its 20% time they take withholding taxes. You can transfer from RRSP to RRIF without penalty or charges, Remember RRIF saves you fees and not a loop hole you don't have to move all your RRSP into RRIF until the end of your 71st birthday. Mine in November so I be doing earlier. Here helpful chart if you want to Gross Up.