HeyJaredFinancial Independence Factor
Join the Financial Independence Factor Podcast to learn about strategies to save and invest money, optimize your finances, and reach financial independence.
- Indexed episodes, last 90 days
- 27
- Latest publication
- Sep 22, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 5, 2026
Latest episodes
Ep 82 | From Risky Stocks to 90% ETFs (Investing as a Gen Z) (opens the original)
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Jane from "Spicy Sunday Finance" joins me for a conversation about investing, financial literacy, content creation, and building a life with more flexibility. Jane started learning about money around age 19 after calling a bank and spending two hours learning the basics of investing, TFSAs, mutual funds and GICs. Her own investing journey eventually took her through individual stocks, swing trading, options, crypto and even the GameStop craze. Today, she has completely changed her approach, with
Ep 81 | Stop Calling XEQT a ‘Growth’ ETF — Here’s What It Really Is (opens the original)
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Are “growth” and “income” really two completely different investing strategies? 🤔 In episode 20 of Financial KarMoe, Kar and Moe unpack why these labels can sometimes create more confusion than clarity — especially when you look beneath the surface at what an ETF actually owns. We talk about why something like XEQT can be incorrectly viewed simply as a “growth” investment, how dividend stocks can still deliver strong total returns, and why exposure and portfolio construction may matter more than
Ep 80 | $1.4M Portfolio Update for Financial Freedom (28,000+ XEQT Shares and Counting) (opens the original)
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My household investment portfolio has reached approximately $1.4 million, but there’s an important part of that number I want to be completely transparent about: approximately $180,285 is investment-related borrowing.In this portfolio update, I’m breaking down the actual numbers behind the portfolio, including:📈 $1,400,363 current portfolio value🌎 28,471+ shares of XEQT and 484 shares of VT💳 $180,285 of investment-related borrowing💰 Approximately $21,500/year in distributions📊 Approximately 2.3%
Ep 79 | 100% XEQT in Retirement? Here’s What We Think (opens the original)
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What is actually considered a “pretty damn good” investment return? And if you’re earning 20%, 30% or even 40%+ in yield, should you really expect that to continue?Welcome back to Financial KarMoe Episode 19, where @thekaryungtom and Moe tackle another round of investing, personal finance and FIRE questions from the Blossom community. This episode goes deep into what a reasonable long-term investment return might look like, why comparing investment strategies isn’t always as simple as comparing
Ep 78 | Borrowing to Invest through Smith Manoeuvre (Our Real Portfolios, Mistakes & Lessons) (opens the original)
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What does the Smith Manoeuvre actually look like when you’ve been doing it for years? In this video, Kyle and I go beyond the theory and share our own real-world experiences implementing the Smith Manoeuvre—including how we got started, why we decided to use it, how we invest the borrowed money, how we handle the HELOC interest, dividends, taxes, and adjusted cost base, and what we would do differently if we were starting over.💰 We also open up our portfolios and share the numbers behind our str
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