Weekly Round-Up -- July 23, 2026

Author

Aidan Stride
July 23, 2026

Happy Thursday! We hope everyone is enjoying their summer.

This week, Michael J. Wiener joins the podcast for a great discussion on investing, retirement planning, investment fees and much more. One of the clips from this episode looks at whether you should delay CPP and OAS—a topic we get asked about all the time and one we know is of great interest to many of our viewers. We hope you enjoy this week's content!

PODCAST
Michael J. Wiener: Answers to the Money Questions That Matter

⬆️ Click to watch the podcast.

Our guest this episode is Michael J. Wiener — retired cryptologist and the writer behind the long-running Canadian personal finance blog "Michael James on Money." After a high-tech career in cryptography that produced roughly 20 patents, Michael has spent nearly two decades applying an engineer's rigour to investing and retirement math, helping everyday Canadians make clearer, lower-fee, evidence-based decisions with their money.

In this episode, Dave and Michael dive into the real cost of investment fees, from high-fee group RRSPs to how seemingly small percentages quietly erode a portfolio over decades. They cover the evidence for passive investing over active management, how to optimize RESP contributions, strategies for smoothing taxes on retirement income and whether it makes sense to delay taking CPP and OAS.

The conversation also explores how Michael uses the CAPE ratio to adjust his asset allocation, planning ahead for cognitive decline, the debt paydown vs. investing question and why he's skeptical of Dalbar's famous mutual fund underperformance data. Along the way, Michael shares his takes on real estate investing, reverse mortgages, budgeting for healthcare and long-term care costs, and estate planning essentials.

If you want clear, math-driven thinking on investing and retirement from someone with no product to sell, this episode is packed with insights you won't want to miss. Tune in now on our website, YouTube, Apple Podcasts, Spotify and all other podcasting platforms!

RETIREMENT PLANNING
Two Reasons Why You Should Not Delay CPP and OAS

⬆️ Click to watch this video.

Most experts recommend delaying CPP. Dave and Michael Wiener discuss the key factors that could change that decision.

THROWBACK THURSDAY
Two Huge Benefits That Come From Spending Summaries

⬆️ Click to watch this video.

⏪Throwback Thursday: Do you know exactly where your money goes each month?

“Want to turn a corner on your personal finance? Well, this short video will truly help.”

REAL ESTATE
Mortgage Renewing Soon? Make Sure You Educate Yourself About Your Options

⬆️ Click to watch this video.

When it comes to borrowing money, educating yourself is one of the smartest financial decisions you can make.

REAL ESTATE
How Money Printing Has Impacted Asset Prices and Generational Fairness

⬆️ Click to watch this video.

Dave and Hanif discuss the relationship between money supply, asset prices and generational fairness.

Share The Wealthy Barber and get rewarded!

Refer your friends and family using the “Click to Share” button to earn the below prizes.

You currently have 0 referrals, only 3 away from receiving Dave's Favourite Financial Books List.

The information provided by The Wealthy Barber Inc. in this newsletter and on its website is for general informational and educational purposes only. While we aim to provide accurate and timely content, nothing on this website should be construed as specific financial, investment, or legal advice. The Wealthy Barber Inc. does not know your individual financial circumstances and is not providing personalized recommendations or advice.

The content shared here, including articles, videos, and other materials, is intended to promote financial literacy and encourage critical thinking about personal finance. However, it is not a substitute for professional advice. We strongly encourage you to consult with a qualified financial advisor, tax professional, or legal expert before making any financial decisions or taking action based on the content found on this website.

By using this website, you acknowledge that The Wealthy Barber Inc. will not be held responsible for any decisions made or actions taken based on the information provided. All investments carry risk, and past performance does not guarantee future results.