BusinessInvestingExplicit

The Your Life! Your Terms! Show

Tom, Nick, and Anthony from the Rock Star Inner Circle

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

Play

Open in

21 episodes
Avg 1 hr 2 min
English

Episodes 21

Newest Oldest Longest

All20 Unplayed20 In progress0 Played0

Counted on this page — what you have heard stays on this device, so it is not something the list can be paged by.

August 19 · 1 hr 6 min
The Real Reason Your Taxes Rise & Nothing Ever Improves | Patrick Carroll
Patrick Carroll explains why housing is so expensive in Canada — and why he blames zoning and government policy, not investors. The conversation widens into government spending, inflation as a hidden tax, and why waste is built into the system. It ends on what you can actually control: your own choices, your character, and your community. Read his Substack: https://againsttheleft.substack.com/ --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
August 12 · 1 hr 26 min
From Their Last $5 to Building a Real Estate Portfolio in Two Countries | Marco & Sara Costa
Marco and Sara Costa once had just $5 left to their name in Portugal. Today, they own multiple properties in Canada and Portugal. In this episode, they share how they started over in Canada, worked multiple jobs, learned how to invest and began building their real estate portfolio. It’s an incredible story about resilience, real estate and what can happen when you just keep moving forward. 🌟 Join the Rock Star Inner Circle - https://rockstarinnercircle.com/membership/ --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254 ⁠📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
August 7 · 1 hr 3 min
Why Most Canadian Families Are Dangerously Uninsured | Todd O'Donnell
What happens when a tree crashes into your house, your sump pump dies, or thieves come for your truck? Tom sits down with long-time friend Todd O'Donnell to find out what's really covered, and what Canadian families should have in place. And of course, there was Blue Jays heartbreak talk! --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
August 4 · 1 hr 31 min
How He Flew To 40 Countries For FREE Using Credit Card Points | Rashaad Ishmail
At 25, Rashad has been to nearly 40 countries, and he's barely paid cash for any of it. In this episode, he breaks down how credit card points actually work, how he turned that same optimizer mindset into a 7-bedroom student rental pulling $5,000 a month, and how he and his girlfriend cut their housing costs in half with a duplex house hack on the Hamilton Mountain. See the full numbers and check out how Rashaad implemented this strategy: https://youtu.be/kZu15BI6GYw ❗📰 Get Your FREE Report and Learn How You Can Buy Your Home For Half the Cost: ⁠https://rockstarinnercircle.com/freereport/⁠ --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
July 31 · 55 min
A Cross-Border Accountant Explains US Taxes for Canadians | Brian Cohen
Brian Cohen breaks down what Canadians need to know before investing in US real estate or starting a US business. He explains the costly LLC double-tax trap, how the right structure (like a C-Corp "blocker") can fix it, and how US estate tax and Canada's departure tax come into play. Whether you own one rental or plan to move, this is the clear, no-jargon tax guide to doing it right from day one. Email Brian: bcohen@grewalguyatt.ca Visit Brian's Website: www.grewalguyatt.ca/brian-cohen/
July 27 · 1 hr 6 min
Why Young Canadians CAN'T Afford a Home | Nick, Anthony, Amy & Aidan
Nick sits down with Anthony, Amy, and Aidan for an honest conversation about what it's really like to get ahead today. They dig into housing affordability, government spending, careers, and whether their generation was handed a worse deal or just a different one. 📰 Grab a copy of our FREE 'How to Buy a Home For HALF the Cost' report: https://rockstarinnercircle.com/freereport/⁠
July 24 · 1 hr 13 min
The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want | Noha Abou-Hashima
We're NOT affiliated with, but highly recommend this app: YNAB - Click this referral link for a 1 Month Free Trial: ⁠https://ynab.com/referral/?ref=ugYq1QXN1lgETsUg&sponsor_name=Noha&utm_source=customer_referral⁠ Nothing has changed Noha & Anthony's finances more than YNAB (You Need A Budget). In this episode, they break down how giving every dollar a job helped them finally see where their money goes, stop living paycheck to paycheck, and feel "mentally rich" on the same income. --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
July 20 · 51 min
Canada's Real Estate Bottom, Interest Rate Predictions & The Robot Economy | Tom & Nick Karadza
Tom and Nick Karadza break down the latest in Canada's real estate market, why interest rates aren't rising despite the predictions, and the emerging AI economy. 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠
July 15 · 1 hr 14 min
How Canadian Millennials Are BEATING The Housing Crisis | Rock Star VIPs
Anthony sits down with Connor, Chinthu, and Robin (all Rock Star VIP members) to break down how they're turning their own homes into income. Between the three of them, these everyday spaces are generating anywhere from $10K to $25K a year, mostly on autopilot. They also get into the platforms they use, what changes when kids arrive, and why the old housing playbook no longer works. Grab a copy of our FREE 'How to Buy a Home For HALF the Cost' report: https://rockstarinnercircle.com/freereport/⁠ Check out the Rock Star membership: https://rockstarinnercircle.com/Membership/
July 10 · 1 hr 8 min
Is A.I. Making Us Lazier, Dumber & Easier To Hack? | Zvon Petric
Zvon is a cybersecurity expert who is back to break down what A.I. is really doing with your data... and why letting it access your information could unravel your entire digital life. He shares how hackers are using A.I. to perfect scams, hijack accounts, and exploit businesses through shadow IT. Plus, why YOU are the product on free A.I. tiers. Check out Campfire at: https://www.campfire.ca/ Reach out to Zvon at: zvon@campfire.ca Podcast on Spotify - ⁠https://open.spotify.com/show/7KFRaPaOduWLUmSW2tbyBs?si=8e432c4d191b4511⁠ Podcast on Apple -⁠ https://podcasts.apple.com/ca/podcast/the-your-life-your-terms-show/id1339768663⁠ --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/ ⁠🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
July 6 · 51 min
Canada's Energy U-Turn: Carney Finally Admits They Were WRONG | Tom & Nick Karadza
Canada's losing its best people... and most Canadians have no idea why. Tom and Nick break down the data behind the exodus, the currency debasement silently destroying your purchasing power, and Carney's surprise energy pivot. Podcast on Spotify - ⁠https://open.spotify.com/show/7KFRaPaOduWLUmSW2tbyBs?si=8e432c4d191b4511⁠ Podcast on Apple -⁠ https://podcasts.apple.com/ca/podcast/the-your-life-your-terms-show/id1339768663⁠ --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
July 3 · 1 hr 9 min
How This Couple Bought Their Dream Home For HALF The Cost | Mike & Joanna Dabrowski
Mike and Joanna share how they built a sports injury physio clinic in Oakville while growing a real estate portfolio—all despite being repeatedly told "no" by banks and brokers. They walk through their journey from a first condo to a detached home with a basement suite, plus a Hamilton duplex, and how they kept pushing forward to rethink what was possible! ❗📰 Get Your FREE Report and Learn How You Can Buy Your Home For Half the Cost: ⁠https://rockstarinnercircle.com/freereport/⁠ Podcast on Spotify - ⁠https://open.spotify.com/show/7KFRaPaOduWLUmSW2tbyBs?si=8e432c4d191b4511⁠ Podcast on Apple -⁠ https://podcasts.apple.com/ca/podcast/the-your-life-your-terms-show/id1339768663⁠ --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
June 29 · 52 min
Canadian Bank Admits Economy Data is GARBAGE | Tom & Nick Karadza
Tom and Nick are BACK for another Monday morning podcast! They dive into how fast AI is reshaping the economy — from job displacement to longevity science — and why a major Canadian institution is now admitting the economic data we rely on has become unreliable. Also, what that means for your money, real estate, and the decade ahead.
June 22 · 50 min
Carney's $3.2B Condo Bailout Is Printed Money — YOU Pay | Tom and Nick Karadza
The government just spent $3.2B bailing out Vancouver condos, and you paid for it. Tom and Nick break down why GDP measures spending instead of your actual purchasing power, and how reverse mortgages are quietly "coming for your inheritance". Podcast on Spotify - ⁠https://open.spotify.com/show/7KFRaPaOduWLUmSW2tbyBs?si=8e432c4d191b4511⁠ Podcast on Apple -⁠ https://podcasts.apple.com/ca/podcast/the-your-life-your-terms-show/id1339768663⁠ --- 🤔 Investing in Real Estate? Let's Chat! ⁠https://form.jotform.com/242254043973254⁠ 📧 Subscribe to our Weekly Newsletter - ⁠https://rockstarinnercircle.com/newsletter/⁠ 🎥 Watch our Real Estate Videos - ⁠https://www.youtube.com/@rockstarinnercircle⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠https://www.instagram.com/rockstarinnercircle/⁠ → TWITTER ► ⁠https://x.com/rockstar_re⁠
June 19 · 1 hr 24 min
Get PAID to Heat Your Home with Bitcoin Mining | Toine
This episode dives into "hash rate heating" — using Bitcoin miners as heaters that heat your home and pay you back in Bitcoin. Toine explains how he retrofits these machines to run quietly indoors and integrate with your existing furnace and smart home setup. He also covers the ROI, tax write-offs, and why landlords and greenhouse owners love it. Check it out: ⁠256heat.com⁠ Podcast on Spotify - ⁠⁠https://open.spotify.com/show/7KFRaPaOduWLUmSW2tbyBs?si=8e432c4d191b4511⁠⁠ Podcast on Apple -⁠⁠ https://podcasts.apple.com/ca/podcast/the-your-life-your-terms-show/id1339768663⁠⁠ --- 🤔 Investing in Real Estate? Let's Chat! ⁠⁠https://form.jotform.com/242254043973254⁠⁠ 📧 Subscribe to our Weekly Newsletter - ⁠⁠https://rockstarinnercircle.com/newsletter/⁠⁠ 🎥 Watch our Real Estate Videos - ⁠⁠https://www.youtube.com/@rockstarinnercircle⁠⁠ WHERE TO FOLLOW US: → INSTAGRAM ► ⁠⁠https://www.instagram.com/rockstarinnercircle/⁠⁠ → TWITTER ► ⁠⁠https://x.com/rockstar_re⁠⁠
June 15 · 52 min
Should You Own Real Estate, Gold, Bitcoin or A.I. in 2026?
Tom and Nick break down where Canada's economy is actually headed, and why the country keeps leaning on real estate instead of real growth. They also get into the biggest shift: how AI and robotics could upend jobs, prices, and the whole economy faster than anyone's ready for. And what they want to own during the next decade. Podcast on Spotify - https://open.spotify.com/show/7KFRaPaOduWLUmSW2tbyBs?si=8e432c4d191b4511 Podcast on Apple - https://podcasts.apple.com/ca/podcast/the-your-life-your-terms-show/id1339768663 --- 🤔 Investing in Real Estate? Let's Chat! - https://form.jotform.com/242254043973254 📧 Subscribe to our Weekly Newsletter - https://rockstarinnercircle.com/newsletter/ 🎥 Watch our Real Estate Videos - https://www.youtube.com/@rockstarinnercircle WHERE TO FOLLOW US: → INSTAGRAM ► https://www.instagram.com/rockstarinnercircle/ → TWITTER ► https://x.com/rockstar_re
June 8 · 44 min
Why Canada's in a Recession While Stocks Keep Soaring | Tom & Nick Karadza
Tom and Nick break down the strange disconnect playing out right now: Canada has slipped into a recession while AI-driven company earnings and stock markets keep soaring to new highs. They dig into why it's happening... Banks automating work that used to take hours, robots scaling faster than most people realize, and what it means for the jobs and tax base that fund the country. --- 🤔 Investing in Real Estate? Let's Chat! https://form.jotform.com/242254043973254 📧 Subscribe to our Weekly Newsletter - https://rockstarinnercircle.com/newsletter/ 🎥 Watch our Real Estate Videos - https://www.youtube.com/@rockstarinnercircle WHERE TO FOLLOW US: INSTAGRAM ► https://www.instagram.com/rockstarinnercircle/ TWITTER ► https://x.com/rockstar_re
June 2 · 48 min
How Golf Is Getting the World All-In on Bitcoin | Chris Bobay
Chris built a Bitcoin community by doing something nobody else was: using golf as the on-ramp. From El Salvador with Max and Stacy to the first Bitcoin Open in Oakville, he's turning rounds of golf into lasting connections and real adoption. Check the Bitcoin Golf Open in Oakville: bitcoinsports.network --- 🤔 Investing in Real Estate? Let's Chat! https://form.jotform.com/242254043973254 📧 Subscribe to our Weekly Newsletter - https://rockstarinnercircle.com/newsletter/ 🎥 Watch our Real Estate Videos - https://www.youtube.com/@rockstarinnercircle WHERE TO FOLLOW US: → INSTAGRAM ► https://www.instagram.com/rockstarinnercircle/ → TWITTER ► https://x.com/rockstar_re
May 28 · 1 hr 11 min
Where Billion Dollar Developers Are Buying In 2026 | Sasha Cucuz
Sasha Cucuz, CEO of Greybrook, is back to unpack what's really happening in Canadian real estate... frozen transactions, stalled cap rates, and an industry waiting for confidence to return. We also dig into Greybrook's US developments and why the math works so differently south of the border. A good look at how large-scale developers are positioning in 2026.
May 25 · 44 min
TD Just Warned: Canada's Top Talent Is Leaving | Tom & Nick Karadza
TD just confirmed what a lot of Canadians already felt: the country's top talent is leaving, and the tax system is a big reason why. In this episode, Tom and Nick get into the brain drain numbers, why Wealthsimple settling in stablecoins is the start of Canadian banks getting bypassed entirely, and what AI agents mean for the next ten years of jobs and investing.

Showing 1–20 of 21 episodes