Real numbers. Real strategies. No fluff.
Personal finance for physios, doctors, dentists, and every clinician who lost their 20s to grad school. Written by a practicing physiotherapist + Certified Financial Counsellor — no commissions, no products to sell, no whole-life pitches.
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My fourth year running an Airbnb
Have you ever wondered about renting out a bedroom and bathroom of your house for short term rentals? That’s what I did in 2022. My platform of choice is Airbnb, learn how I became a super host and house hacked my way to living close to mortgage free. Check out my 2025 Year in Review
Buy vs. Rent for Young Professionals: Making the Right Housing Choice
First home dilemma? Our guide breaks down the buy vs. rent decision for young professionals, weighing costs, benefits, and opportunity costs. Make an informed choice for your financial future.
Why the BANK said NO
You applied for your first mortgage and you got denied. Are you sure you put the best application forward? Find out three mistakes you may be making that are reducing your ability to get an approval.
Unlocking Your First Home: Tips to Get the Bank to Say YES
Don’t make buying your first home more stressful than it actually is. Get yourself organized and prepared for securing your first mortgage. Find out what documents most lenders are looking for as they review your application to see if you’re a suitable candidate for a mortgage
Is Your Primary Residence the Best Investment?
I hope to challenge another conventional norm. That home (primary) ownership is the best investment. Yes, there are a lot of moving parts to consider when making this case (geography, size of the home, opportunity cost, interest rates, housing appreciation, etc)
Regardless, I believe it is a useful exercise to dig down to the numbers and objectively evaluate the true costs of home ownership and the opportunity cost of purchasing a home.
Thinking about renewing your mortgage? Don’t forget to do this!
We dive into a topic that's particularly relevant in today's economic climate: renewing your mortgage in a high-interest rate environment. With interest rates on the rise, it's more critical than ever to make informed decisions when it comes to your mortgage. Let's break down some key considerations to help you navigate this financial milestone successfully.
The Business and Real Estate Cycle
The business and real estate cycles have been present ever since economists have been tracking markets, they are cyclical (duh, that’s why it’s called a cycle) and largely due to human nature and the fight we face between fear and greed. Until human nature changes, these cycles will be ever-present, so it’s best you understand what they are and how if may affect your investment decisions.