Michael James

@JonChevreau I'll let others draw their own conclusions, but I'm disappointed in G&M.

@MJonMoney Oh you were referring to a G&M article, not the Hub blog: guess I trust their editors to properly alert readers to advertorial. Maybe shouldn’t in this case?

It’s time to stop calling investments ‘alternative’ theglobeandmail.com/investing/inve…

@JonChevreau Try pasting the following into an AI: "How will Kevin Foley benefit if retail investors become more open to alternative investments."

@MJonMoney Latest blog? Not an ad to me, just editorial

@MarkMcGrathCFP @theRealKiyosaki Just tell Bob it's time to go back to his room to eat his pudding.

@theRealKiyosaki Oh it's finally here now?

BAD NEWS: History has ARRIVED. 1974 was a future changing year. 1974 marked two massive changes in our world’s future. Our problem is….in 2026, our future is here. The two 1974 future changing events were: 1974 the US dollar became the Petro dollar. Rather than backed by gold, the US dollar was backed by oil. Today, in 2026 the world stands on the edge of world war over oil. Inflation is going through the roof. In 1974 ERISA (Employee Retirement Income Security Acr) was passed. Up until 1974 most employees had guaranteed retirements income for life. After ERISSA millions of employees went on to 401k, RRSPs, IRA which guaranteed nothing. Millions of baby-boomers will soon find out they have no income once they stop working. Adding to the mess, social security and Medicare are broke. Millions of Boomers will be homeless or living in RVs as rising oil prices cause the price of food and fuel to rise. This is occuring simultaneously as the world, whole countries and people are deeply in debt. America is today one of the biggest debtor nations in world history. Again I ask, as I have been asking for years since writing Rich Dad Poor Dad in 1997, “Why do our schools not teach the subject of money to students? Don’t we all use money?” I continue to recommend saving real money….gold, silver, and Bitcoin….and keep investing in your personal financial education. There are many great teachers on YouTube….as well as flakes and conmen…. So be aware. THE FUTURE created in 1974….has arrived. Do not allow losers to determine your financial future. Only you can determine your future. Make your future a rich future. Please take care.

@AaronHectorCFP A tax instalment consulting service could make tens of dollars per year!

Interesting thought. X - Do you think there is any demand for a tax instalment consulting service?

New: Dalbar's measure of investor underperformance michaeljamesonmoney.com/2026/04/dalbar…

I enjoyed episode 403 of the RR podcast. My takeaways: 1) Human capital risk is much more stock-like than people realize. 2) Emergency funds matter, particularly for young people with financial commitments. 3) The usual asset location optimization advice that is based on before-tax logic rather than after-tax logic is even worse than I thought. rationalreminder.ca/podcast/403

Just got a mass email offering "An elite investment product just for you." Pass.

How I (@MJonMoney) manage my RRSP in Retirement findependencehub.com/how-i-manage-m…

Leveraged ETFs don't work the way many people think they work. Here's how they lose money: michaeljamesonmoney.com/2011/07/how-le…

The recent reports of huge trades ahead of major events seem credible. My question is who is foolish enough to take the other side of these enormous inside bets?

@JonChevreau "Rebalance toward defense" is just another synonym for "sell low."

“Rebalance toward defense, yes. Blow up your entire strategy?No.” Josh Wahls, one of 14/and on what if anything Retirees should do if Iran War drags on findependencehub.com/featured-com-e…

@JoeLiu4 Yes, I have ETFs in my non-registered accounts. I look at the dividends already received and past dividend patterns and past capital gains patterns to estimate total income for the year. I don’t spend too much time on this because complete accuracy isn’t important.

@MJonMoney Do you hold any ETFs/mutual funds in your non-registered portfolios? If so, how do you know about the taxable distributions that will come after November? There always seem to be some in late December. Thanks for sharing your detailed plan! Very helpful.

New: How I manage my RRSP in retirement michaeljamesonmoney.com/2026/03/how-i-…

@pbroos1 I wrote software that tried every possibility each year, and the best choice turned out to be not too complicated. But it's wildly different from the advice people generally get at their banks.

@MJonMoney It’s kind of crazy the mental gymnastics you need to do in terms of which bucket to deplete and when

This is good advice, but you need some investment knowledge to understand it. I've known people who choose advisors based on whoever promises the highest return. These people would think this advice means to find an advisor who promises more than 10% per year.

@ramit I went to a time share sales pitch and was surprised at how good the emotional manipulation was. Recommended it to a colleague. Sadly, he bought. So it’s not risk-free.

So good. My parents loved timeshare presentations because they got a free trip, so they would take us to watch & sit for hours It was fun watching these salespeople try their best techniques If you want to get good at sales -- or resisting sales -- study the best

Being human makes us too risk seeking sometimes and too risk averse other times. There is a test that most of us fail. michaeljamesonmoney.com/2011/07/irrati…

@FP_Collective_ Good discussion on CPP. Hopefully, it helps some people reframe the way they think about retirement risks.

What Most People Get Wrong About When to Take CPP by Joe Curry fpcollective.ca/what-most-peop…