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The Your Life! Your Terms! Show

Tom & Nick Karadza

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Tom & Nick Karadza founded Rock Star Real Estate Inc. after quitting their jobs in the Software industry to "go it alone" in the world of real estate investing. Together with their team they've now worked on thousands of investments and over a billion dollars of income properties in Canada. On this show they chat real estate, business building, the economy, bitcoin, nutrition, fitness and anything else to help us all live life on our own terms.
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Is Canada’s banking system really built to serve you—or serve itself? In this episode, we sit down with Andrew Spence, author of Fleeced: Canadians Versus Their Banks, to break down how the Big Six operate as a protected oligopoly. We explore the country’s resistance to innovation, what’s keeping real financial progress stuck in neutral, and the bi…
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What does it really take to become a full-time content creator? Robin Syre has released a new podcast episode every single day for over 500 days. In this episode, we dive into his journey—from discovering Bitcoin to building a daily podcast, quitting his job, and turning content into a full-time living. We talk about how he built momentum, how he m…
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Matt and Gino Spada built a real estate portfolio while simultaneously growing a busy health club business—and they managed the properties themselves the entire way through.In this episode, they share how $350/month in cash flow turned into $600,000 payouts years later, why they stayed hands-on with their rentals, and how they made real estate work…
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What if the way we’ve been told to raise and educate our kids is totally backwards? In this episode, we chat with Matt Beaudreau — former public school educator turned full-blown education rebel and co-founder of Apogee Strong. He left the traditional school system after realizing it wasn’t built to develop strong, independent humans — it was built…
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More Canadians are exploring how to expand their freedom, mobility, and financial resilience. Whether it’s for lifestyle, investment, or security, having options beyond Canada is becoming a smart move. Katie Ananina—founder of Plan B Passports and now with CitizenX—joins us to explain how Canadians can gain second passports, residencies, and citize…
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In an industry ripe with projects behind schedule and over budget Guy Solomon gets things done. He's now taking his renovation experience, which had his company finish 300 basements in one year, and using it to tackle the lack of housing units available around the Golden Horseshoe. Using his focus on systems while trying to standardize new building…
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MacKenzie Wilson from SingleKey is back to walk us through all the latest updates they’ve rolled out—and this is way more than just credit checks. We chat about the real differences between TransUnion and Equifax, why tenant screenshots from bank apps can be misleading, and how SingleKey’s new integrations with CanLII, OpenRoom, and SOQUIJ are help…
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On this episode of The Your Life. Your Terms. Show, we sit down with Todd O'Donnell of Desjardins Insurance to hear his incredible story of walking away from the traditional 9-5 grind to carve his own path. Todd shares how he built his business from the ground up—literally—by knocking on over 4,000 doors. We dive into the mindset shifts, the hustle…
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In this episode of Rock Star Live, we’re diving into some big-picture stuff that every investor should be thinking about right now. We break down why artificial intelligence is inherently deflationary—and what that means for asset prices, inflation, and your investment strategy. Plus, we tackle the important difference between speculating on real e…
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In this episode of The Your Life! Your Terms! Show, Tom and Nick Karadza dive into the current state of Canada—from the upcoming federal election to what’s really happening with the economy. They unpack key trends, share insights on government spending, interest rates, and inflation, and break down what all of it means for Canadian real estate inve…
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Matt James has one of the most creative and inspiring real estate journeys we’ve ever heard. In this episode, he shares how he started investing, snowballed his portfolio by house hacking and buying multiple homes on a single street in Orangeville, launched his own HVAC company, and eventually became a licensed realtor and real estate coach with th…
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On this episode of The Your Life. Your Terms. Show, Lyn Alden is back to break down what’s really happening with inflation, global trade, the U.S. debt spiral—and how it all impacts Canada. We dig into tariffs, GDP, AI, and why the current system is broken, plus where things might be headed next.
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From walking into a boxing gym at 17 to winning the Canadian Super Middleweight title, John Michael Bianco shares his inspiring rise through amateur and pro boxing. We chat about his early losses, training mindset, fighting for Team Canada, managing full-time work with full-time fighting—and why mindset, recovery, and a good team matter more than e…
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If you’ve ever felt like life is getting harder no matter how much you work, you’re not imagining it—and you’re not alone. In this episode, Anthony sits down with Joe Bryan, creator of the viral video 'What's The Problem' to unpack the real reason everything feels broken—from housing and inflation to burnout and political division. Joe explains how…
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In the episode, Tom sits down with Joey (@JoeyTweeets on X) to talk about Canada’s new Prime Minister, trade wars, Bitaxes, and why the future might just belong to the plebs. They cover everything from the Canadian dollar to building a decentralized future—and yes, someone literally dropped off ribeye steaks mid-podcast. It's always fiery and fun w…
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From growing up in a real estate-investing family to building a career in mortgages and financing, Lorenzo Podda has seen it all. In this episode, we dive into his journey—from tagging along on rental property visits as a kid to launching his own student rental business in university, and eventually joining one of Canada’s top mortgage brokerages. …
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Sonja Skye’s journey is nothing short of inspirational. As a single mother of three young daughters, she was faced with overwhelming challenges but refused to give up. On this episode of The Your Life Your Terms Show, Sonja shares her incredible transformation—from discovering real estate investing and joining Rock Star as a member to building a po…
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Sean is a portfolio manager focused on the Warren Buffet principles of value investing. We discuss his capital allocation approach, what inflation really means, how technology is changing the investment game & what he thinks the biggest thing which separates the financial position of Canadians is. He's had a track record of success for his clients …
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On this episode of The Your Life! Your Terms! Show Tom & Nick sit down to take a look at what's happening in the economy, and how U.S. tariffs could/will impact Canadians. Plus, they break down the Bitcoin Real Asset Strategy "BREAS". This is just a taste of what we'll be covering on April 12 at The Your Life. Your Terms. Event. Full event details …
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On this episode of The Your Life! Your Terms! Show we chat with Tomer Strolight about Bitcoin and how it's become a trustless system for a more just world. You can find Tomer's amazing, in-depth, thought-provoking articles on Medium: https://tomerstrolight.medium.com/deep-takes-on-bitcoin-e210b861c01b and on Bitcoin Magazine's website here: https:/…
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In this episode of The Your Life. Your Terms. Show, we sit down with Robin Valadares from Financially Fulfilled Physio to discuss why financial education is crucial for physiotherapists and other private healthcare workers. Robin shares his step-by-step approach to guiding clients toward financial freedom and independence. We also explore the curre…
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Carlos Rodrigues is an experienced real estate investor from Canada who now focuses exclusively on the U.S. market, Cleveland specifically. On this episode of the Your Life! Your Terms! Show we go through his journey, lessons learned, successes and more. He occasionally does small tours with investors down into Ohio to share what he's learned. You …
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In this episode of The Your Life! Your Terms! Show, we chat with Nathan Fitzsimmons, founder of The Bitcoin Mentor, about how Bitcoin restores hope, optimism, and long-term thinking while challenging the fiat system’s nihilism. We cover real estate fundamentals, combining Bitcoin and real estate, the decline in first-world living standards, Canadia…
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In this episode of The Your Life. Your Terms. Show, we sit down with Canadian Real Estate Investor podcast co-host Daniel Foch to break down the biggest real estate opportunities in Canada today. We discuss the "missing middle," infill development, how to outcompete big condo developers, and why municipalities are making it easier to build. Daniel …
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Ian and Stevie Folkes began their real estate journey in their 40s as busy parents of four, struggling to save after covering the bills. Over the years, they’ve built and managed an impressive portfolio, including rent-to-owns, student rentals, long-term holds, cottages, and even a Costa Rica vacation property. While they’ve sold many properties, t…
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In this episode of The Your Life! Your Terms! Show, we chat with Douglas Hoyes a licensed Insolvency Trustee. He's been working with Canadians who are restructuring debt for decades and has seen multiple economic cycles good and bad. We wanted to check in on what he's seeing these days, how Canadians are navigating the current economy and some comm…
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Welcome to Rock Star LIVE: Episode 1! Join us for the debut episode of Rock Star Live, where we dive into all things real estate, investing, Canada, and living life on your terms. In today's episode, we go over Canadian interest rate predictions, the latest Ontario real estate data, Trump, the Canadian dollar and Bitcoin! Credit to Ben Rabidoux for…
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In this episode of The Your Life. Your Terms. Show, we sit down with Mike Dougherty, founder of Wild Meadows Farm, to discuss his inspiring journey of quitting his corporate job to start a regenerative farming business. With distribution across Southern Ontario and an eCommerce storefront, Mike shares his passion for raising healthy animals and how…
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In this episode, we’re joined by @HodlDee from CoinKite, the makers of the popular Coldcard hardware wallets, to explore how to secure your financial freedom using Bitcoin properly. We dive into the importance of self-custody, why CoinKite wallets are a safer alternative to devices like Ledger, and the best practices for buying and securely storing…
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Whether you're marketing yourself, your properties, or your business the tactics you use make a world of difference. On this episode of The Your Life! Your Terms! Show Tom and Nick sit down to talk about the exact marketing skills and systems you need to get customers to show up. We dive into the metrics we look at, our mindset around marketing, an…
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These two gentlemen have a passion for Bitcoin that seems boundless. On this episode of The Your Life! Your Terms! Show we chat with Adam and Cole to discuss Coinos. They have set up an application easy enough for merchants who are not very familiar with Bitcoin to begin easily accepting payments. You can learn more by visiting their site coinos.io…
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On this episode of The Your Life! Your Terms! Show we chat with Tom's son, Aidan Karadza, about life, finishing University and entering the workforce. Generation Z has a unique opportunity to leverage Bitcoin, technology and productivity gains to unleash a bright future. We also discuss real estate, student rentals, University education and social …
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On this episode of The Your Life! Your Terms! Show we get to know the team at Orange Bridge to learn how they are merging Bitcoin and the world of real estate. On this episode we discuss U.S. Bitcoin-backed mortgages and financial services for real estate. You can learn more by visiting their site OrangeBridge.com…
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Bram Kanstein hosts a great podcast, Bitcoin for Millennials, where he does a great job discussing economics, finance and what the future holds for all of us. On this episode of The Your Life! Your Terms! Show we get Bram's views on Bitcoin, where does it go next, the principles he lives by, his new role @onrampbitcoin and more. You can find Bram o…
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Join Tom and Dr. Cowan from Phenom High Performance Medicine as they dive into the science of feeling, looking, and performing your best. With expert insights on scientific testing, personalized diets, powerful tools, and transformative lifestyle changes, they’ll show you how to unlock your body's full potential. Discover why "most people have no i…
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Mark Jeftovic is the publisher of the Bitcoin Capitalist newsletter, operations BombThrower.com and is the founder of one of Canada's oldest Internet technology companies, EasyDNS.com. On this episode of The Your Life! Your Terms! Show we catch up with Mark on a variety of topics including getting his latest thoughts on Canada and the possibility o…
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Some of the most common questions investors have are around working with contractors. They've seen the results of selecting a bad one. Whether it's budget overruns, trashed timelines, or outright ripoffs, there are a lot of horror stories out there. Dave Jurinic is the owner of Toronto Customs Concepts, and a friend who we've invested and done busi…
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On this episode of The Your Life. Your Terms. Show, I sit down with David Fraser, the guy behind Bunkie Life, to hear how he turned a Dragons' Den appearance into serious momentum for his business. We talk about how he’s scaled Bunkie Life, his unique approach to investing (including balancing Bitcoin with business growth), and how he’s created a l…
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Hart Togman is an interesting dude. He climbs mountains for charity, dreams of simpler living for society, and knows a ton about the Ontario rental market. He's the perfect guy to get insights from on a podcast all about living life on your terms. Tune in to hear how the rental market is faring, where he sees the opportunities for investing in Onta…
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MADEX is the Creative Director at Bull Bitcoin and creates wonderful pieces of physical art in the real world. On this episode of The Your Life! Your Terms! Show MADEX shares his views on Canada, money and where we're all headed on a Bitcoin standard. You can learn more about him on X.com @SPACEBULL or by visiting Madex.art…
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Daniel Foch is back to discuss what's going on right now with Canada's economy, housing, interest rates, debt load and overall future. On this episode of The Your Life! Your Terms! Show we catch up with Daniel for his take on where this country is headed ... and overall, he's positive about our future!! You can learn more about Daniel on X.com @Dan…
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Dr. Pete Angerilli has been helping us maintain our performance and our mobility. On this episode of The Your Life! Your Terms! Show we discuss the human spine, the nervous system, recovery and how to remain active as we age. You can learn more about Dr. Pete by visiting ClearViewChiropractic.ca or you can find him on Instagram @DrPeteChiro…
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Rajat Soni actively shares his views on Bitcoin on X.com @RajatSoniFnance and has made an impression on people quickly with his no-hold-barred approach. On this episode of The Your Life! Your Terms! Show we discuss his journey to discovering Bitcoin, when he decided to go "all in" and what he thinks of Bitcoin's future in finance. Enjoy the show!…
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