The Rational Reminder Podcast

What happens when your favourite financial educator’s identity is hijacked by scammers? In this episode, Ben and Cameron pull back the curtain on a disturbing but increasingly common reality: sophisticated scammers using Ben’s name, voice, and online content to steal from unsuspecting investors. Ben breaks down exactly how these scams work—everything from fake WhatsApp investment groups and cloned emails to AI-generated voice notes and “pig butchering” scams that promise guaranteed returns. You’ll hear about pump-and-dump operations, shady PDFs full of financial nonsense, and how scammers prey on optimism, credibility, and fear of missing out.   Key Points From This Episode:   (0:04) Why the Rational Reminder podcast builds connections—and unintended consequences of trust (1:58) The hidden value of the podcast’s reach: referrals and relationships that can’t be measured (4:03) How a last-minute topic pivot turned into an urgent discussion on scams (5:24) Why investment scams are more sophisticated—and dangerous—than ever (6:16) AI voice clones and impersonation: How deepfakes make scams harder to spot (9:26) Why specific scam education works better than general warnings (12:29) Source credibility: Why scammers use trusted names to win trust fast (15:23) Ben’s firsthand story of infiltrating a fake “Ben Felix” WhatsApp trading group (19:57) Pump-and-dump in real time: How Ben tracked a fraudulent stock scam (23:39) The email scam that used Ben’s name to pitch “secret” investments (25:08) YouTube comment scams: the “fake advisor” trap and pig butchering explained (31:15) How scammers use financial jargon that sounds smart—but means nothing (34:52) The classic red flag: promises of guaranteed, high returns with zero risk (41:23) Financial planning hot takes: unconventional views from the Rational Reminder Community (49:44) Upcoming road trips and community meetups for Rational Reminder listeners   Papers From Today’s Episode: https://zbib.org/e42750e4157e468d83fc633b40ddb0d1 [https://www.google.com/url?q=https://zbib.org/e42750e4157e468d83fc633b40ddb0d1&sa=D&source=editors&ust=1752623237174271&usg=AOvVaw0UWsk5_kCyWSKPEIz3J8Z2]   Links From Today’s Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p [https://www.google.com/url?q=https://calendly.com/d/3vm-t2j-h3p&sa=D&source=editors&ust=1752623237174862&usg=AOvVaw3DrVkh1PggDi6nfbz5f07t] Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582 [https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582]. Rational Reminder Website — https://rationalreminder.ca/ [https://www.google.com/url?q=https://rationalreminder.ca/&sa=D&source=editors&ust=1752623237175773&usg=AOvVaw3bTad_EQ4PTE6WIMMwBOWB]  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ [https://www.google.com/url?q=https://www.instagram.com/rationalreminder/&sa=D&source=editors&ust=1752623237176257&usg=AOvVaw2OLWskZI-nEBY4vSFArZf7] Rational Reminder on X — https://x.com/RationalRemind [https://www.google.com/url?q=https://x.com/RationalRemind&sa=D&source=editors&ust=1752623237176624&usg=AOvVaw1Jk5yC_WmsHk5BXiagcpDu] Rational Reminder on TikTok — www.tiktok.com/@rationalreminder [https://www.google.com/url?q=https://www.tiktok.com/@rationalreminder?_t%3D8oTz7ldhMc1%26_r%3D1%26fbclid%3DIwZXh0bgNhZW0CMTAAAR1Z4A-2rKqQTivvuyU1-PssL9xfJn5myyaps6kQypAwHm7aL66qSajEhI0_aem_puLPWAK_S3Gk2bEmdXjohg&sa=D&source=editors&ust=1752623237177123&usg=AOvVaw1J1p0RpfnHEUaoDKgEbz0O] Rational Reminder on YouTube — https://www.youtube.com/channel/ [https://www.google.com/url?q=https://www.youtube.com/channel/UCOErWFfNOQzXsgE7f5S_ULw&sa=D&source=editors&ust=1752623237177570&usg=AOvVaw3bjtv0E3mZNELv4UHsdPVN] Rational Reminder Email — info@rationalreminder.ca [info@rationalreminder.ca] Benjamin Felix — https://pwlcapital.com/our-team/ [https://www.google.com/url?q=https://pwlcapital.com/our-team/&sa=D&source=editors&ust=1752623237178142&usg=AOvVaw0QR7rfcvJd2C2drni_y1mw] Benjamin on X — https://x.com/benjaminwfelix [https://www.google.com/url?q=https://x.com/benjaminwfelix&sa=D&source=editors&ust=1752623237178379&usg=AOvVaw1l5DdQb7UHvz-ee2jQ7qkg] Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ [https://www.google.com/url?q=https://www.linkedin.com/in/benjaminwfelix/&sa=D&source=editors&ust=1752623237178706&usg=AOvVaw1HY_ixqjJK2-PLI_b0oX2P] Cameron Passmore — https://pwlcapital.com/our-team/ [https://www.google.com/url?q=https://pwlcapital.com/our-team/&sa=D&source=editors&ust=1752623237179005&usg=AOvVaw0hG5WTUaT3k64-_d3WuBOG] Cameron on X — https://x.com/CameronPassmore [https://www.google.com/url?q=https://x.com/CameronPassmore&sa=D&source=editors&ust=1752623237179280&usg=AOvVaw3m1CL_LJ3igvdyojS0UWC5] Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ [https://www.google.com/url?q=https://www.linkedin.com/in/cameronpassmore/&sa=D&source=editors&ust=1752623237179568&usg=AOvVaw0Jh0I93eS2NAOY61vD3Hqt]

In this episode, we welcome back Rob Carrick—one of Canada’s most trusted personal finance journalists—for his third appearance on the Rational Reminder podcast. Rob recently retired after an incredible 27-year career at The Globe and Mail, where he shaped how millions of Canadians think about investing, advice, and their money habits. Rob joins Ben, Cameron, and Dan to reflect on the biggest lessons from his decades-long career, the state of Canadian financial advice today, and why young Canadians face headwinds unlike any previous generation. From the shift from mutual funds to ETFs and the rise of DIY investing to the dangers of overestimating stock returns and underestimating inflation’s bite—Rob shares practical, timeless wisdom for every generation of investor. We also hear Rob’s frank thoughts on how the financial industry fails seniors, why Canadians stick with the big banks despite better options, and what stay the course really means when markets inevitably crash again.    Key Points From This Episode: (0:00:04) Rob Carrick returns for his third appearance, marking his retirement from The Globe and Mail (0:06:39) Why it’s harder than ever to be good with money in the social media age (0:08:19) How longer lifespans are reshaping traditional retirement timelines (0:09:51) The evolution of financial advice: from mutual fund sales to real planning (0:11:45) How regulation, ETFs, and self-interest changed the advisory industry (0:12:45) The rise of DIY investing in Canada: from brokers to discount online platforms (0:14:51) Why some investors still struggle to embrace ETFs (0:17:11) The flip side of frictionless DIY investing—when simplicity fuels speculation (0:18:19) How realistic are today’s stock return expectations? (0:20:03) The true challenge isn’t average returns—it’s enduring the volatility (0:24:01) Why staying the course should really mean buying the dip (0:26:04) The generational reality check: how boomers bought homes and why today’s young people can’t (0:29:03) How advisors can adjust advice for younger clients facing new headwinds (0:31:39) Should 25-year-olds give up or go all in? Rob’s advice for young investors (0:35:29) The myth of home-run investing and why steady, boring investing works (0:37:04) Why inflation has done more damage than any stock market crash (0:39:50) How the financial industry ignores seniors—and what needs to change (0:43:32) Canadians’ blind loyalty to big banks and why you should try an alternative (0:46:29) How Rob will define success in retirement—and his parting advice for listeners Links From Today’s Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p [https://calendly.com/d/3vm-t2j-h3p] Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582 [https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582]. Rational Reminder Website — https://rationalreminder.ca/ [https://rationalreminder.ca/]  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ [https://www.instagram.com/rationalreminder/] Rational Reminder on X — https://x.com/RationalRemind [https://x.com/RationalRemind] Rational Reminder on TikTok — www.tiktok.com/@rationalreminder [https://www.tiktok.com/@rationalreminder?_t=8oTz7ldhMc1&_r=1&fbclid=IwZXh0bgNhZW0CMTAAAR1Z4A-2rKqQTivvuyU1-PssL9xfJn5myyaps6kQypAwHm7aL66qSajEhI0_aem_puLPWAK_S3Gk2bEmdXjohg] Rational Reminder on YouTube — https://www.youtube.com/channel/ [https://www.youtube.com/channel/UCOErWFfNOQzXsgE7f5S_ULw] Rational Reminder Email — info@rationalreminder.ca [info@rationalreminder.ca] Benjamin Felix — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Benjamin on X — https://x.com/benjaminwfelix [https://x.com/benjaminwfelix] Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ [https://www.linkedin.com/in/benjaminwfelix/] Dan Bortolotti — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Dan Bortolotti on LinkedIn — https://ca.linkedin.com/in/dan-bortolotti-8a482310 [https://ca.linkedin.com/in/dan-bortolotti-8a482310] Cameron Passmore — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Cameron on X — https://x.com/CameronPassmore [https://x.com/CameronPassmore] Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ [https://www.linkedin.com/in/cameronpassmore/] Episode 108: William Bernstein - https://rationalreminder.ca/podcast/108 [https://rationalreminder.ca/podcast/108]

In this episode, we’re joined by Martijn Cremers, Dean of the Mendoza College of Business at the University of Notre Dame and co-author of the groundbreaking 2009 paper that introduced the concept of Active Share. Martijn brings fresh nuance to the long-standing debate over active versus passive management, challenging decades of conventional wisdom built on the foundational 1997 Carhart paper. With his comprehensive research, Martijn argues that dismissing active management may be overly simplistic—especially in less efficient markets like bonds, small-cap equities, or emerging markets. Together, we explore how empirical support for passive superiority has softened in recent decades, the overlooked structural flaws in performance benchmarks, and how closet indexing quietly undermines the active management space. Martijn outlines the three pillars of active success—skill, conviction, and opportunity—and makes a compelling case for patient, high active share strategies that persist over time.  Key Points From This Episode:   (0:01:24) Introduction to Martijn Cremers and his influential work on Active Share (0:04:15) Breaking down the “conventional wisdom” on active management post-Carhart (0:07:19) Why passive benchmarks like Fama-French factors may create misleading comparisons (0:09:38) Reviewing persistence of outperformance in high active share funds (0:12:40) Evaluating Sharpe’s arithmetic and how market evolution challenges zero-sum assumptions (0:15:58) The long-term decline of active funds and the influence of concentrated indexes (0:18:30) The paradox of skill, ETFs with high active share, and the survival of active managers (0:21:18) Revisiting active management in underexplored asset classes: bonds, small caps, emerging markets (0:23:20) The definition and calculation of Active Share (0:25:01) Active Share vs. Tracking Error: complementary tools, not substitutes (0:27:22) What level of active share signals closet indexing? Why 60–70% is the key threshold (0:30:49) Performance persistence and why combining high Active Share with patience matters (0:34:05) The concept of the “active fee” and how much you’re really paying for stock selection (0:36:51) Why fund size and team changes can erode active share (0:38:17) Three pillars of successful active management: skill, conviction, and opportunity (0:40:13) The challenge of being a patient manager in an impatient world (0:42:25) How Active Share was received by academics and practitioners (0:44:18) Responding to critics: the 2016 FAJ paper “Deactivating Active Share” (0:46:56) Why dispersion in high active share funds can enhance portfolio diversification (0:49:21) Who should pursue high active share strategies—and who shouldn’t (0:51:40) Active share in fixed income: Why passive bond funds are often far from passive (0:53:51) Key structural differences between equity and bond indexing (0:55:25) Why bond index funds have high active share and hidden tracking error (0:57:36) Why positive skewness (a key argument for equity indexing) doesn’t apply to bonds (0:59:22) Performance of active bond funds: modest but consistent outperformance (1:00:02) Why active bond funds remain popular: liquidity, trading frictions, and benchmark limitations   Links From Today’s Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p [https://calendly.com/d/3vm-t2j-h3p] Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582 [https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582?mt=2]. Rational Reminder Website — https://rationalreminder.ca/ [https://rationalreminder.ca/]  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ [https://www.instagram.com/rationalreminder/] Rational Reminder on X — https://x.com/RationalRemind [https://x.com/RationalRemind]Rational Reminder on TikTok — www.tiktok.com/@rationalreminder [https://www.tiktok.com/@rationalreminder?_t=8oTz7ldhMc1&_r=1&fbclid=IwZXh0bgNhZW0CMTAAAR1Z4A-2rKqQTivvuyU1-PssL9xfJn5myyaps6kQypAwHm7aL66qSajEhI0_aem_puLPWAK_S3Gk2bEmdXjohg] Rational Reminder on YouTube — https://www.youtube.com/channel/ [https://www.youtube.com/channel/UCOErWFfNOQzXsgE7f5S_ULw] Rational Reminder Email — info@rationalreminder.ca [info@rationalreminder.ca]Benjamin Felix — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Benjamin on X — https://x.com/benjaminwfelix [https://x.com/benjaminwfelix] Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ [https://www.linkedin.com/in/benjaminwfelix/] Dan Bortolotti — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Dan Bortolotti on LinkedIn — https://ca.linkedin.com/in/dan-bortolotti-8a482310 [https://ca.linkedin.com/in/dan-bortolotti-8a482310] Cameron Passmore — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Cameron on X — https://x.com/CameronPassmore [https://x.com/CameronPassmore] Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ [https://www.linkedin.com/in/cameronpassmore/] Episode 316: Andrew Chen - https://rationalreminder.ca/podcast/316 [https://rationalreminder.ca/podcast/316] Episode 212: Ralph S.J. Koijen - https://rationalreminder.ca/podcast/212 [https://rationalreminder.ca/podcast/212] Episode 220: Jonathan Berk & Jules Van Binsbergen - https://rationalreminder.ca/podcast/220 [https://rationalreminder.ca/podcast/220] Episode 346: Hendrick Bessembinder - https://rationalreminder.ca/podcast/346 [https://rationalreminder.ca/podcast/346]   Papers From Today’s Episode: https://zbib.org/2224f8de634743fb8f33a68009b8fcff [https://zbib.org/2224f8de634743fb8f33a68009b8fcff]

What if holding just a few “winning” stocks is riskier than it seems? In this episode, Ben and Cameron explore the hidden dangers of concentrated portfolios and unpack the data that makes a strong case for diversification. Drawing from research by Hendrik Bessembinder, J.P. Morgan, and others, Ben lays out the harsh reality behind individual stock returns: the odds are stacked against long-term success. From skewed return distributions and catastrophic losses to behavioral traps like the endowment effect and familiarity bias, this conversation breaks down why most stock pickers lose—and why diversification remains the only “free lunch” in investing. Whether you're holding onto a single stock for tax reasons, overconfidence, or just inertia, this episode is a must-listen reality check on portfolio risk. They also share thoughts on advisor adoption of indexing, the slow shift in Canada, and how a Rational Reminder YouTube video sparked debate between stock pickers and indexers in the comments section. For anyone navigating concentrated positions—voluntarily or otherwise—this episode is packed with data-driven insight and real-world takeaways. Key Points From This Episode:   (0:00) Welcome to Episode 363: catching up in person and the value of working together in-office. (1:07) Why advisors are slow to adopt indexing—and how culture, compensation, and inertia play a role. (2:58) Demand is rising: indexing awareness among young advisors and investors continues to grow. (4:08) Main topic: The hidden risks of individual stock concentration. (5:40) The Nortel example: taxes, timing, and the illusion of "free" stock. (6:51) Individual stocks are far riskier than most people realize—especially recent winners. (9:09) Most investors hold between 3–7 stocks. Why that’s a problem. (11:29) Portfolio concentration = fugu prepared by an amateur chef. (12:45) Diversification reduces risk without reducing expected return. (14:04) JP Morgan’s “Agony & Ecstasy” report: 44% of stocks suffer catastrophic losses. (16:26) Why investors overweight the chance of a big win and underweight the risk of losses. (17:07) The reality of skewed returns: a few big winners, many losers. (24:35) The 2023 study on concentrated stock positions: recent top performers underperform the most. (28:40) How many stocks do you need for real diversification? Way more than 20–30. (32:00) Wealth dispersion and the long-term consequences of concentration. (35:24) Why even 100-stock portfolios only beat the market 47.5% of the time. (36:55) Taxes, control, and psychological hurdles make diversifying even harder. (38:14) Diversification depends on your preference for risk and skewness—but beware the odds. (39:08) Behind the scenes: Ben’s research process and content development workflow. (43:14) Ben’s guest appearance on Morningstar’s The Long View. (44:00) Meetups, t-shirt scarcity, and what’s next for PWL outreach.   Links From Today’s Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p [https://calendly.com/d/3vm-t2j-h3p] Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582 [https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582?mt=2]. Rational Reminder Website — https://rationalreminder.ca/ [https://rationalreminder.ca/]  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ [https://www.instagram.com/rationalreminder/] Rational Reminder on X — https://x.com/RationalRemind [https://x.com/RationalRemind]Rational Reminder on TikTok — www.tiktok.com/@rationalreminder [https://www.tiktok.com/@rationalreminder?_t=8oTz7ldhMc1&_r=1&fbclid=IwZXh0bgNhZW0CMTAAAR1Z4A-2rKqQTivvuyU1-PssL9xfJn5myyaps6kQypAwHm7aL66qSajEhI0_aem_puLPWAK_S3Gk2bEmdXjohg] Rational Reminder on YouTube — https://www.youtube.com/channel/ [https://www.youtube.com/channel/UCOErWFfNOQzXsgE7f5S_ULw] Rational Reminder Email — info@rationalreminder.ca [info@rationalreminder.ca]Benjamin Felix — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Benjamin on X — https://x.com/benjaminwfelix [https://x.com/benjaminwfelix] Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ [https://www.linkedin.com/in/benjaminwfelix/] Cameron Passmore — https://pwlcapital.com/our-team/ [https://pwlcapital.com/our-team/] Cameron on X — https://x.com/CameronPassmore [https://x.com/CameronPassmore] Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ [https://www.linkedin.com/in/cameronpassmore/]` Episode 346: Hendrik Bessembinder - https://rationalreminder.ca/podcast/346 [https://rationalreminder.ca/podcast/346] Papers From Today’s Episode:    ‘The Agony & The Ecstasy’ - https://privatebank.jpmorgan.com/nam/en/insights/latest-and-featured/eotm/the-agony-the-ecstasy [https://privatebank.jpmorgan.com/nam/en/insights/latest-and-featured/eotm/the-agony-the-ecstasy] ‘Why Index Works’ - https://www.top1000funds.com/wp-content/uploads/2017/07/Why-indexing-works.pdf [https://www.top1000funds.com/wp-content/uploads/2017/07/Why-indexing-works.pdf] ‘Underperformance of Concentrated Stock Positions’ - https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4541122 [https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4541122] ‘How Many Stocks Should You Own?’ - https://ndvr.com/journal/how-many-stocks-should-you-own [https://ndvr.com/journal/how-many-stocks-should-you-own] ‘Fund Concentration: A Magnifier of Manager Skill’ - https://discovery.researcher.life/article/fund-concentration-a-magnifier-of-manager-skill/67964b7ccc9d3cae87761f6ef19241a0 [https://discovery.researcher.life/article/fund-concentration-a-magnifier-of-manager-skill/67964b7ccc9d3cae87761f6ef19241a0]

What if the hardest part of investing isn’t building a portfolio—but sticking to it? In this AMA edition of the Rational Reminder podcast, Ben Felix and Dan Bortolotti tackle listener questions ranging from sustainable retirement withdrawals to the dangers of structured products, with plenty of philosophical insights on risk, behavior, and financial planning. The episode opens with a deep dive into the 4% rule, exploring how time horizon, asset allocation, and global data can shift the definition of “safe.” They also explore the behavioral challenges of the “boring middle” of investing and why consistency may be the greatest alpha. Other standout segments include a sharp critique of bank-sold structured notes, an evidence-based takedown of trend following, and a fascinating discussion on the long-term impact of demographic shifts and index investing. Throughout, Ben and Dan blend technical insight with practical wisdom and academic research, delivering a thoughtful and entertaining conversation for both DIY investors and those working with advisors.   Key Points From This Episode: (0:01:07) What the latest data says about safe withdrawal rates, especially for early retirees with 100% equity exposure. (0:08:45) How variable vs. fixed withdrawals affect outcomes—and the trade-offs retirees must consider. (0:17:01) The behavioral risks of the “boring middle” and how automation or advice helps investors stay disciplined. (0:26:13) Reflections on market crashes—why hindsight downplays the emotional reality of volatility. (0:33:27) Commission conflicts: Why bank advisors push structured notes and the incentives behind them. (0:44:22) Education vs. malice: Are bad financial advisors untrained, conflicted, or both? (0:49:08) Are structured notes ever justified? (Spoiler: very rarely.) (0:56:44) Trend following: Legitimate strategy or fancy market timing? Examining the live track records. (1:02:52) Diversifying your life like a portfolio: Applying the PERMA model to personal growth. (1:10:18) The one use of leverage that actually makes sense—and why most others don’t. (1:14:20) Will aging demographics crash ETF markets? What the data and theory suggest. (1:19:02) Why even complex macro trends don’t justify deviating from a simple, low-cost investment plan.   Links From Today’s Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p [https://www.google.com/url?q=https://calendly.com/d/3vm-t2j-h3p&sa=D&source=editors&ust=1750280039915554&usg=AOvVaw1eue_Qfqr7clg1r3KlpZJC] Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582 [https://www.google.com/url?q=https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582?mt%3D2&sa=D&source=editors&ust=1750280039916044&usg=AOvVaw0JSnW68N5oCvuCb71R9KUk]. Rational Reminder Website — https://rationalreminder.ca/ [https://www.google.com/url?q=https://rationalreminder.ca/&sa=D&source=editors&ust=1750280039916324&usg=AOvVaw16JS71zcXs-1EtNvZeJpk4]  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ [https://www.google.com/url?q=https://www.instagram.com/rationalreminder/&sa=D&source=editors&ust=1750280039916658&usg=AOvVaw1LgOeYihi2HX64Y2M9QntM] Rational Reminder on X — https://x.com/RationalRemind [https://www.google.com/url?q=https://x.com/RationalRemind&sa=D&source=editors&ust=1750280039916892&usg=AOvVaw1yD2T57laYEdlMZ0RTvWn_] Rational Reminder on TikTok — www.tiktok.com/@rationalreminder [https://www.google.com/url?q=https://www.tiktok.com/@rationalreminder?_t%3D8oTz7ldhMc1%26_r%3D1%26fbclid%3DIwZXh0bgNhZW0CMTAAAR1Z4A-2rKqQTivvuyU1-PssL9xfJn5myyaps6kQypAwHm7aL66qSajEhI0_aem_puLPWAK_S3Gk2bEmdXjohg&sa=D&source=editors&ust=1750280039917260&usg=AOvVaw0eyMPmyZ5RxFmjbEk_FL16] Rational Reminder on YouTube — https://www.youtube.com/channel/ [https://www.google.com/url?q=https://www.youtube.com/channel/UCOErWFfNOQzXsgE7f5S_ULw&sa=D&source=editors&ust=1750280039917616&usg=AOvVaw21Ewr9iChJgdcd-6npdOCC] Rational Reminder Email — info@rationalreminder.ca [info@rationalreminder.ca] Benjamin Felix — https://pwlcapital.com/our-team/ [https://www.google.com/url?q=https://pwlcapital.com/our-team/&sa=D&source=editors&ust=1750280039918056&usg=AOvVaw1MRykEbBZmZM4bR_-JAJYb] Benjamin on X — https://x.com/benjaminwfelix [https://www.google.com/url?q=https://x.com/benjaminwfelix&sa=D&source=editors&ust=1750280039918284&usg=AOvVaw0lR2-390aI3pX-gEenArXK] Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ [https://www.google.com/url?q=https://www.linkedin.com/in/benjaminwfelix/&sa=D&source=editors&ust=1750280039918556&usg=AOvVaw08bBEPbnt4pZp4Et-1QBxV] Dan Bortolotti — https://pwlcapital.com/our-team/ [https://www.google.com/url?q=https://pwlcapital.com/our-team/&sa=D&source=editors&ust=1750280039918850&usg=AOvVaw0U1CKrjXQCdJ265DYrQtZh] Dan Bortolotti on LinkedIn — https://ca.linkedin.com/in/dan-bortolotti-8a482310 [https://www.google.com/url?q=https://ca.linkedin.com/in/dan-bortolotti-8a482310&sa=D&source=editors&ust=1750280039919250&usg=AOvVaw0tuRpPt0xEYfpOMI5YTQUB] Episode 261: Felix Fattinger - https://rationalreminder.ca/podcast/261 Episode 314: Valentin Haddad - https://rationalreminder.ca/podcast/314 [https://www.google.com/url?q=https://rationalreminder.ca/podcast/314&sa=D&source=editors&ust=1750280039919889&usg=AOvVaw2BSqi4t_g7QeLrNme1TYXb] Episode 302: Michael Green - https://rationalreminder.ca/podcast/302 Episode 222: Cassie Holmes - https://rationalreminder.ca/podcast/222 [https://www.google.com/url?q=https://rationalreminder.ca/podcast/222&sa=D&source=editors&ust=1750280039920382&usg=AOvVaw2Em7ETPWQPjmr2SamrBARI] Episode 278: Juhani Linnainmaa - https://rationalreminder.ca/podcast/278 [https://www.google.com/url?q=https://rationalreminder.ca/podcast/278&sa=D&source=editors&ust=1750280039920742&usg=AOvVaw2DuRwmeXJ4ORUUum5MTfGT] Episode 212: Ralph S.J. Koijen - https://rationalreminder.ca/podcast/212 [https://www.google.com/url?q=https://rationalreminder.ca/podcast/212&sa=D&source=editors&ust=1750280039921021&usg=AOvVaw2sA-vU6NpdLEykTzGZZrhC] Episode 322: Marco Sammon — https://rationalreminder.ca/podcast/322Marco Sammon [https://www.google.com/url?q=https://rationalreminder.ca/podcast/322Marco&sa=D&source=editors&ust=1750280039921337&usg=AOvVaw25aCjy7nJGz5YYywLWoCFy]