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Why does Trump actually want a weaker Canadian dollar, and what does it mean for your mortgage rate? In this episode of Make Money Count, Marcus and Justin break down the currency dynamics behind Trump's comments on the Canadian dollar, what's really happening with the Federal Reserve heading into its next decision, and a real mortgage math breakdown that could save, or cost, you over $1,000 depending on your renewal timing. We break down: Why a weaker Canadian dollar actually works in Trump's favor, and what it would take to change that Fed chair Kevin Worsh's mixed signals heading into the September 16 rate decision, and why forward guidance might make a comeback whether he wants it to or not The 125 basis point gap between US and Canadian interest rates, and where it could be headed next A real example: what it actually costs to break a mortgage early and switch to fixed, penalty and all What this all means if you're coming up for renewal in the next several months The headlines rarely explain the full picture. This episode does. Watch till the end for the full mortgage math breakdown. #CanadaMortgage #Mortgag

The US 10-year bond yield just touched 5%, and the Federal Reserve meets tomorrow with a 90% chance of a rate hike already priced in. So what happens if they don't? In this episode of Make Money Count, Marcus and Justin break down tomorrow's Fed decision, what a hold versus a hike means for bond yields on both ends of the curve, and why the outcome matters just as much for Canadian mortgage holders as it does for the US economy. We break down: Why the 10-year touching 5% and the tightening yield spread matter more than the headline number Whether Fed chair Kevin Worsh can hold rates and still convince the market it's the right call, not just political pressure Two very different ways a hold could play out for long-term yields, depending on how the market reads it Why variable rate mortgage holders in Canada could come out ahead if the Fed holds Tomorrow's decision has real implications on this side of the border too. Watch till the end for the full breakdown. Who do you think wins if it's a hold? Let us know in the comments.

The Bank of Canada has held rates for seven straight meetings. Your mortgage rate went up anyway. In this episode of Make Money Count, Marcus and Justin dig into exactly that contradiction. The overnight rate has sat at 2.25% for seven straight meetings, yet fixed rates keep climbing regardless. We break down: Why bond yields have risen almost 50 basis points since January even though the Bank of Canada hasn't moved How bond yields act as an early warning system for inflation and rate decisions, before oil prices or headlines catch up The $100 bet on whether the Federal Reserve hikes rates on September 16 Why the big banks can't agree on what's next, Rabobank calls 2.25% the peak, Scotiabank says there's 75 basis points more to come The "variable rate nest" theory, and why that protection from the Bank of Canada might not hold much longer What anyone renewing soon should actually do right now, and the math behind locking in early Seven holds. One rising number nobody's talking about. Watch till the end to find out what it means for your mortgage. #MakeMoneyCount #Cannect #MortgageRates #BankOfCanada #FixedVsVariable #CanadianEconomy

What if the biggest banks in Canada showed up to the same party and couldn't agree on anything? In this episode of Make Money Count, Marcus and Justin imagine exactly that: RBC, TD, BMO, and Scotiabank, all in one room, all asked the same question about where rates go next. Three of them show up with nearly the same answer. One of them shows up ready to argue. We break down: Why RBC, TD, and BMO all point to weak labor force growth and US trade tariffs as the reason rates are likely on hold Scotiabank's outlier call for stronger growth and two rate hikes, and why this bank always seems to be the hawk in the room A chart on Canadian firms' long-run inflation expectations, and why it's holding steady even after a hundred-dollar oil price shock The role oil prices are playing behind the scenes in keeping inflation above target Why Justin is still making the case for variable right now, and the math behind that call Where mortgage rates actually stand today, and the real spread between fixed and variable Four banks. One question. Only one real disagreement. Watch till the end to find out which bank is the outlier, and what it means for your mortgage. #CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy

Is the Iran conflict quietly deciding your mortgage rate? In this episode of Make Money Count, Marcus and Justin break down why a war most people have stopped watching is doing something nobody expected to bond yields, oil prices, and the rate you pay every month. We break down: Why Trump's all in negotiating strategy worked on Canada, the EU, and South America, but is backfiring against Iran Live shipping data from the Strait of Hormuz and what 105 days of conflict actually look like on the water A day by day breakdown of July's bond market moves showing yields spiking before the news even breaks Why war usually sends bond yields down, and why this time the opposite is happening The hidden cost of political capital, and why Iran isn't paying it the way Trump is Where mortgage rates actually stand right now, and which competitor "best rate" claims don't hold up Most people are still waiting for the news to tell them what's coming. Marcus and Justin already found it in the data. Watch till the end. The gap between the market and the headlines is where the real story is. #CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy

Did Hollywood actually get mortgages right? In this episode of Make Money Count, Marcus and Justin react to some of Hollywood's most famous mortgage moments, and the gap between fiction and reality is bigger (and smaller) than you'd expect. We break down: What subprime really meant in The Big Short, and why it's not the same as today's A-minus or alt-A lending How that "bartender to boat owner" mockumentary clip wasn't far off from real predatory lending practices Why Jimmy Stewart's savings and loan speech in It's a Wonderful Life still holds up as a banking lesson The real cost behind a foreclosure, from both the investor's side and the homeowner's side The one rule that separates a smooth renovation loan from a Money Pit style budget disaster This episode isn't your usual rate breakdown, it's Hollywood's biggest mortgage moments, fact checked by two people who actually do this for a living. Watch till the end, you might never see these movies the same way again.

Is the Fed about to break your mortgage plans? In this episode of Make Money Count, Marcus and Justin break down new Fed Chair Kevin Warsh's very first policy meeting, and why it didn't go the way most people expected. We break down: Why Warsh, Trump's own pick, spent his first meeting talking about inflation instead of cutting rates How the Fed's "dot plot" flipped from pricing in a cut to pricing in a hike, and what that actually means Why Warsh says rates are too low for Wall Street but too high for Main Street, and why the Fed can't fix both How a stronger US stance puts pressure on the Canadian dollar, and why that could force the Bank of Canada's hand What RBC, TD, BMO, Scotia, and CIBC are each predicting for rates, and what it means for your mortgage choice This episode isn't your usual headline recap, it's a real breakdown of how one Fed meeting can move your mortgage rate, fact checked by two people who actually do this for a living. Watch till the end, you'll know exactly what to ask your broker next.

Is Canada sitting on the biggest real estate opportunity in years? In this episode of Make Money Count, Marcus and Justin break down exactly what is happening in Canada's housing market, why prices are 20% off peak, and why most Canadians are still too scared to move. We cover: Why housing is 20% off peak and what nine quarters of affordability improvements actually mean How fear and consumer sentiment are keeping buyers out of the market Why condos are trading at pennies on the dollar and who is already buying them The distressed real estate deals that smart money and foreign funds are quietly gobbling up Why the rental market is still under pressure and what it means for builders and investors The labor shortage risk nobody is talking about and why it matters for the future of housing This episode is not about panic. It is about seeing the opportunity clearly before everyone else does. Watch till the end. The housing market is shifting and the window that is open right now will not stay open forever.

Is Canada headed for a rate hike nobody saw coming? In this episode of Make Money Count, Marcus and Justin sit down days before the Bank of Canada's June 10th meeting to break down exactly what's happening with interest rates, inflation, and your mortgage renewal. We break down: Why a rate cut on June 10th is basically off the table How Canada ended up in a recession with inflation still rising What the Strait of Hormuz has to do with your mortgage rate Why your bank's renewal offer is likely insulting and what to do instead What the big banks are actually forecasting for rates in 2026 and 2027 Why 40% of Canadian mortgages renewing this year is a bigger deal than most people realize This episode isn't about panic. It's about being informed, prepared, and ahead of the people who just sign whatever mortgage renewal their bank sends them. Watch till the end. The mortgage market is shifting and the decisions you make in the next few weeks could follow you for the next three years.

Is your bank quietly working against you? In this episode of Make Money Count, Marcus and Justin get into the mortgage conversation most Canadians never get to have. With bond yields climbing and fixed rates on the move, knowing what to do and when to do it could be the difference between a great mortgage and an expensive mistake. We break down: Why you should never trust your bank to give you the best mortgage rate Fixed vs variable and the one move Marcus is recommending right now Why the three year fixed is the smartest play in this market When to start the mortgage conversation and why most people wait too long How a salaried mortgage broker always gets you a better deal than your bank ever will This episode is not about theory. It is about the real conversation that happens when you actually call a mortgage broker and ask the right questions. If your renewal is coming up in the next six months, this one was made for you

Is your mortgage renewal about to get a lot more expensive? In this episode of Make Money Count, Marcus and Justin dig into Canada's April CPI numbers and why the story behind the data is one every Canadian borrower needs to hear. Gas prices at a record high, groceries quietly bleeding your budget, and fixed rates with nowhere to go but up. A lot is happening right now and most people do not even see it coming. We break down: Why April CPI is being driven by gas and food and what that means for interest rates What 40% higher gas prices since the war actually means for your monthly mortgage payment How a conflict in the Middle East is directly moving Canadian fixed rates right now Why the Bank of Canada may surprise everyone and hold rates despite the pressure The exact mortgage move Marcus is recommending to every Canadian borrower today This episode is not about panic. It is about getting ahead of what the data is already telling us, understanding what is really at stake, and making the right call before the window closes. If you have a renewal coming up in the next few months, do not scroll past this one.

Is the jobs report even real anymore? In this episode of Make Money Count, Marcus and JT sit down to talk about something that's been quietly building behind the scenes, and the cracks are getting harder to ignore. From a federal agency that's lost its data collectors to a treasury yield that hasn't been this high in years, a lot is happening beneath the surface that every Canadian borrower needs to understand. We break down: Why two months of US jobs data went entirely missing and what that means for Friday's number What a 5% treasury yield actually means for your Canadian mortgage rate How Trump's attempt to fire Jerome Powell failed, and why his replacement could be even more dangerous Why cutting rates in an inflationary environment is a banana republic move, and what Turkey's example tells us What every Canadian borrower should be watching at 8:30AM this Friday This episode isn't about panic; it's about understanding what's actually happening, what the data is saying, and what you can do about it before it's too late. If you're a Canadian borrower trying to make sense of what's coming, this one's worth your time.

Is Canada's economy quietly cornered? In this episode of Make Money Count, Marcus and Justin sit down to talk about something that's been building for a while now, and the numbers are getting harder to ignore. From a record-breaking gas price spike to an inflation figure that caught even the banks off guard, a lot is happening beneath the surface that every Canadian borrower needs to understand. We break down: Why the March CPI jump has the Bank of Canada watching very closely What does $110 oil actually mean for your monthly mortgage payment How a conflict halfway around the world is directly moving Canadian fixed rates Why stagflation is becoming Canada's most uncomfortable conversation right now The one mortgage move Marcus is recommending to every borrower right now This episode isn't about panic; it's about understanding what's actually happening, what the data is saying, and what you can do about it before it's too late. If you're renewing or buying in the next year, this episode is just for you.

Is Canada actually in as much trouble as everyone's saying? The Bank of Canada just revealed something they’ve been quietly doing for 23 years and most Canadians have absolutely no idea. In this episode of Make Money Count, Marcus and Justin break down what the Bank of Canada's own data is telling us, why global chaos is hitting closer to home than you think, and what all of it means for your mortgage right now. This isn't just background noise. It's the conversation that could change how you think about your next renewal. In This Episode: The Bank of Canada study that scored 23 years of their own words and what it's saying right now Why the silence from Canada's most powerful financial institution is louder than any announcement How Trump and rising oil prices are directly connected to your mortgage payment The inflation number coming soon that Marcus thinks could be worse than anyone's expecting Why the spring real estate market is caught in the middle of all of it Fixed or variable? What Marcus would actually do with his own mortgage right now If Marcus ran Canada, the economic playbook he'd put in place starting tomorrow The more you understand what's coming, the better you can protect what you've built.This episode is exactly where to begin.

Is your variable rate mortgage actually safe? The Bank of Canada just made a move that every Canadian homeowner needs to know about and most people have no idea it's even happening.   In this episode of Make Money Count, Marcus and Justin break down the repo market, why hedge funds are flooding into Canadian bonds, and what all of this means for your mortgage rate. This isn't just financial noise, it directly affects what you pay every single month.   In This Episode:   What the repo market actually is and why it matters to you Why hedge funds betting on Canadian interest rates is a massive red flag How this is similar to what happened in 2008  and why it could happen again The rare proactive move the Bank of Canada is making right now Why interest rates could spike even as the economy gets worse Fixed or variable? What Marcus and Justin would actually do right now Don't scroll past this one. Set aside 12 minutes and watch it from start to finish; your mortgage will thank you.