In this episode, Dave and Mark dive into all-in-one ETFs and why simplicity often beats last-mile portfolio optimization for the typical Canadian. They also discuss the renting vs. buying debate as Mark’s family has recently decided to sell their house and become renters.

The conversation also explores the limits of the 4% rule, how safe withdrawal rates differ across countries, and whether retirees are more comfortable holding stocks today than they used to be. Along the way, Mark talks about calling out charlatans on Twitter and shares which personal finance opinions he has changed his mind on over the years.

Whether you're a DIY investor, a homeowner weighing your options, or anyone trying to cut through the noise of online personal finance commentary, this episode is packed with practical, evidence-based perspective from one of Canada's most trusted financial voices.