Wealth on Your Terms

Tax Strategies, Wealth Building & The Money Rules Most People Never Learn | With Tax & Wealth Advisor

[Wealth on Your Terms Podcast with Tobi Adekeye]In this episode, I sat down with Ken, tax strategy and wealth advisor, author of Tax Efficient Wealth, and founder of GMS Professional Corporation, to unpack how the wealthy legally use the tax system to build and preserve more wealth — while many middle-class earners end up paying the highest percentage of their income in taxes.We break down why employment income is taxed differently, how corporations, real estate, capital gains, and business structures create tax advantages, and the mindset shift from simply earning more money to actually keeping and growing more of it. We also dive into practical concepts like the velocity of money, leverage, RRSPs vs TFSAs, tax-efficient retirement planning, generational wealth structures, and how real estate can become a powerful wealth-building and tax strategy tool when used intentionally.Whether you’re an employee, entrepreneur, investor, or someone trying to better understand how money and taxes actually work, this conversation will completely change the way you think about wealth building in Canada. 🎙️ About Wealth on Your TermsWealth on Your Terms is a podcast about building wealth, freedom, and impact — in ways that actually work for your life. Through unfiltered conversations with builders, unconventional thinkers and investors, we break down the real playbooks behind modern wealth building and freedom living. Hosted by Tobi Adekeye. 📧 For partnerships and business inquiries: tobimgt@gmail.com📲 Follow us on Instagram: https://www.instagram.com/wealthonyourtermshub/ Subscribe & tap the 🔔 so you don't miss the next episode. To allow us post more episodes, - Hit the like button to support this podcast and - Write a review and Rate us 5-stars on Spotify and Apple Podcasts 🔗 Listen on Your Favorite Platform- Spotify: https://open.spotify.com/show/1XfWOhFXOVgqurc3ubL6Ed?si=120a11990ec140c9- Apple Podcasts: https://podcasts.apple.com/ca/podcast/wealth-on-your-terms/id1826415199- Watch more episodes: https://www.youtube.com/playlist?list=PLiXreb5FVE9xxyOQ119CArRdWpRJf31vw----------------------🏡For real estate inquires, I'm Tobi Adekeye. I'm a licensed realtor under On The Block Realty, Brokerage – Vaughan, Ontario- Connect with me: https://forms.gle/pKZkRfnnGqvKsPks6- Follow my real estate page: @tobi.realestate------------------------✨ Connect with me, Tobi:📷 Instagram: https://www.instagram.com/tobi.adekeye/🎥 Tiktok: https://www.tiktok.com/@tobiadekeye_?lang=en👩🏾‍💻 LinkedIn: https://www.linkedin.com/in/tobiadekeye/🗞️ Newsletter: https://tobiderin.substack.com📲 Connect With Ken Green - Book: taxefficientwealth.ca/book- Summit: taxefficientwealth.ca/summit-------------------------📌 Timestamps00:00 - Why the middle class pays the highest taxes (and how the wealthy legally avoid it)05:34 - The biggest mistake employees make with money and taxes10:34 - How wealthy families legally use their children to reduce taxes14:48 - The “velocity of money” concept wealthy people use to grow assets faster20:56 - The 3 most tax-efficient types of income in Canada24:20 - Why real estate is one of the best wealth-building tools in Canada30:33 - RRSP vs TFSA: What ambitious high earners need to know35:21 - How to turn your primary home into a wealth-building asset41:08 - How wealthy families pass down real estate without massive tax bills51:34 - Why getting a big tax refund might actually be hurting you⚠️ DisclaimerThis content is for education only and is not financial or investment advice. Do your own research and consider speaking with a licensed professional.

How to Win in the Stock Market, Use Short-Term Gains to Build Long-Term Wealth, and Accelerate Your Financial Growth

[Wealth on Your Terms Podcast with Tobi Adekeye]In this episode, I sat down with Anderson — a professional trader, long-term investor, and real estate-focused wealth builder who transitioned from being a chef and DoorDash driver into the world of finance — to break down how the stock market actually works and how it fits into building real, long-term wealth.This conversation goes far beyond trading. We talk about how to think about money holistically — balancing short-term income (like trading) with long-term wealth strategies like stocks and real estate. We also get into discipline, risk management, and the psychology behind how people make (and lose) money in the market.We shift into a deeper conversation around generational wealth - including why waiting to pass down assets later in life might actually limit their impact, and how wealth should be taught and transferred intentionally.🎙️ About Wealth on Your TermsWealth on Your Terms is a podcast about building wealth, freedom, and impact — in ways that actually work for your life. Through unfiltered conversations with builders, unconventional thinkers and investors, we break down the real playbooks behind modern wealth building and freedom living. Hosted by Tobi Adekeye. 📧 For partnerships and business inquiries: tobimgt@gmail.com📲 Follow us on Instagram: https://www.instagram.com/wealthonyourtermshub/ Subscribe & tap the 🔔 so you don't miss the next episode. To allow us post more episodes, - Hit the like button to support this podcast and - Write a review and Rate us 5-stars on Spotify and Apple Podcasts 🔗 Listen on Your Favorite Platform- Spotify: https://open.spotify.com/show/1XfWOhFXOVgqurc3ubL6Ed?si=120a11990ec140c9- Apple Podcasts: https://podcasts.apple.com/ca/podcast/wealth-on-your-terms/id1826415199- Watch more episodes: https://www.youtube.com/playlist?list=PLiXreb5FVE9xxyOQ119CArRdWpRJf31vw----------------------🏡For real estate inquires, I'm Tobi Adekeye. I'm a licensed realtor under On The Block Realty, Brokerage – Vaughan, Ontario- Connect with me: https://forms.gle/pKZkRfnnGqvKsPks6- Follow my real estate page: @tobi.realestate------------------------✨ Connect with me, Tobi:📷 Instagram: https://www.instagram.com/tobi.adekeye/🎥 Tiktok: https://www.tiktok.com/@tobiadekeye_?lang=en👩🏾‍💻 LinkedIn: https://www.linkedin.com/in/tobiadekeye/🗞️ Newsletter: https://tobiderin.substack.com📲 Connect With Anderson:- thetraderdesk@outlook.com-------------------------📌 Timestamps00:00 – How to Actually Win in the Stock Market. The stock market just logical, it’s psychological. 06:00 – A tool wealthy people use to fast-track their wealth 13:28 – From Chef → Food delivery driver → Professional Trader: The unconventional path into wealth22:29 – Trading vs Investing: One builds wealth, the other accelerates it33:37 – Who should stay away from this wealth acceleration tool? Is just gambling? The truth no one explains44:07 - Why this wealth acceleration method isn't for everyone 52:00 - What smart investors do when everyone else is panicking. What you should do in this season!1:04:32 - Real estate investments (generational wealth passed down) 1:05:14 - The biggest mistake in generational wealth (most people miss this)1:18:56 - Invest in these stocks to grow your wealth long-term (not financial advice) His long-term stock picks 1:28:53 - He made $91 passively during our conversation and I made $0 ⚠️ DisclaimerThis content is for education only and is not financial or investment advice. Do your own research and consider speaking with a licensed professional. Credits:Music: Violation by Soundridemusic

How to Design a Life You Actually Love (Before It's Too Late) | Freedom, Wealth, and Living on Your Own Terms

Featuring Tobi Oluwole | Retired at 28 | 7-Figure Business Owner | 350K+ LinkedIn Followers)🎙️ Full Episode: https://open.spotify.com/episode/1DSIE93mAZsmvqdIxFuJkR?si=HdzkrgBvQXeo8g07Q_7tQg&t=0&pi=yQfw8LXDTHurPMost people spend years building a life they didn't actually choose. Tobi Oluwole retired from corporate at 28, works 3 days a week, takes every summer off, and built a 7-figure business doing it. In this clip, he breaks down exactly how he designed his life before he built his business and why most people get that order completely backwards.This is a clip from my full conversation with Tobi on the Wealth on Your Terms podcast. If you want the full episode, link below. 👇📲 Connect With Tobi Oluwole- LinkedIn: https://www.linkedin.com/in/thetobioluwole/- Website: https://www.tobioluwole.com🎙️ About Wealth on Your TermsWealth on Your Terms is a podcast about building wealth, freedom, and impact — in ways that actually work for your life. Hosted by Tobi Adekeye.📧 Partnerships & inquiries: tobimgt@gmail.com📲 Instagram: @wealthonyourtermshub🔗 Listen to the Full Podcast- Spotify: https://open.spotify.com/show/1XfWOhFXOVgqurc3ubL6Ed?si=120a11990ec140c9- Apple Podcasts: https://podcasts.apple.com/ca/podcast/wealth-on-your-terms/id1826415199- All Episodes: https://www.youtube.com/playlist?list=PLiXreb5FVE9xxyOQ119CArRdWpRJf31vw✨ Connect with me, Tobi Adekeye- 📷 Instagram: @tobi.adekeye- 🎥 TikTok: @tobiadekeye_- 👩🏾‍💻 LinkedIn: https://www.linkedin.com/in/tobiadekeye/0 🗞️ Newsletter: https://tobiderin.substack.com🏡 Real Estate InquiriesLicensed Realtor | On The Block Realty, Brokerage – Vaughan, Ontario- Connect: https://forms.gle/pKZkRfnnGqvKsPks6- Follow: @tobi.realestateNOTE: The information in this clip is for educational purposes only and does not constitute financial or legal advice.

From $47K in Debt to Building Wealth: How to Invest, Budget, and Structure Your Money for Long-Term Financial Growth

[Wealth on Your Terms Podcast with Tobi Adekeye] In this episode, I sat down with Eduek — a financial educator and coach who has helped her clients save and invest over $2 million -- to break down what actually keeps people stuck financially and how to build real, sustainable wealth.Eduek also shares her personal journey of paying off $47,000 in debt, the exact strategies she used, and how she transitioned into investing with confidence. We go deep into practical frameworks for getting out of debt, building better money habits, and starting to invest — even if you feel overwhelmed or behind.If you’ve ever felt stuck financially, struggled with debt, or don’t know where to start with investing, this episode will give you both the mindset and the strategy to move forward.You’ll learn:- Why mindset is the foundation of wealth (and how it holds people back)- The biggest mistake people make when trying to get out of debt- How to actually pay off debt (without relying on cookie-cutter methods)- The role income plays in building wealth (and why it matters more than you think)- How to build a simple investment strategy as a beginner- ETFs vs stocks — and where to start- How to structure your portfolio for long-term growth🎙️ About Wealth on Your TermsWealth on Your Terms is a podcast about building wealth, freedom, and impact — in ways that actually work for your life. Through unfiltered conversations with builders, unconventional thinkers and investors, we break down the real playbooks behind modern wealth building and freedom living. Hosted by Tobi Adekeye. 📧 For partnerships and business inquiries: tobimgt@gmail.com📲 Follow us on Instagram: https://www.instagram.com/wealthonyourtermshub/ Subscribe & tap the 🔔 so you don't miss the next episode. To allow us post more episodes, - Hit the like button to support this podcast and - Write a review and Rate us 5-stars on Spotify and Apple Podcasts 🔗 Listen on Your Favorite Platform- Spotify: https://open.spotify.com/show/1XfWOhFXOVgqurc3ubL6Ed?si=120a11990ec140c9- Apple Podcasts: https://podcasts.apple.com/ca/podcast/wealth-on-your-terms/id1826415199- Watch more episodes: https://www.youtube.com/playlist?list=PLiXreb5FVE9xxyOQ119CArRdWpRJf31vw----------------------🏡For real estate inquires, I'm Tobi Adekeye. I'm a licensed realtor under On The Block Realty, Brokerage – Vaughan, Ontario- Connect with me: https://forms.gle/pKZkRfnnGqvKsPks6- Follow my real estate page: @tobi.realestate------------------------✨ Connect with me, Tobi:📷 Instagram: @tobi.adekeye https://www.instagram.com/tobi.adekeye/🎥 Tiktok: https://www.tiktok.com/@tobiadekeye_?lang=en👩🏾‍💻 LinkedIn: https://www.linkedin.com/in/tobiadekeye/🗞️ Newsletter: https://tobiderin.substack.com📲 Connect With Eduek:📷 Instagram: @twosidesofadimehttps://www.instagram.com/twosidesofadime/- Surplus Stack Society: https://www.surplusstacksociety.com/?utm_source=ig&utm_medium=social&utm_content=link_in_bio&fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGndj52owACbFRo0cyofEp9YZdwrifN1ioK7uuU026MnqOjpnJ0pChfwg-LLBc_aem_AXDtqRFShh09IgIh6u6p1A-------------------------📌 Timestamps00:00 – Scarcity mindset & money scripts that quietly sabotage your wealth09:47 – How she actually got into $47,000 of debt (and didn’t realize it)17:50 – How she paid off $47K without following generic advice22:45 – The uncomfortable truth: why most people stay stuck in debt30:08 – The system she used to get out of debt and turn her financial future around 34:43 – Investing explained simply (without the confusion)44:12 – Focus on this before trying to pick stocks54:36 – How to build a real portfolio: foundation, income & growth1:01:16 – How to make this your richest year (practical framework)⚠️ DisclaimerThis content is for education only and is not financial or investment advice. Do your own research and consider speaking with a licensed professional.

From 9 to 5 Jobs to a Multi-Million Dollar Portfolio: How They are Building Wealth Through Investing, Partnership, and Courage — Lessons on Generational Wealth, Building Assets and Risk Taking

[Wealth on Your Terms Podcast with Tobi Adekeye] In this episode, I sat down with Nike and Carine — investors and co-founders of NCTL Group, a real estate development and investment firm to unpack what it really looks like to build wealth beyond a salary, while still working full-time, raising families, and taking on ambitious real estate projects.We talked about how both of them got started in real estate from very different turning points, the mindset shift from thinking you’re “rich” to realizing you’re not yet truly wealthy, and why building assets matters so much when your income depends on showing up to work. We also get into partnership, marriage, courage, risk, faith, and what it actually takes to go from smaller real estate strategies into a 24-unit development project.What I love about this conversation is that it’s not just about real estate.It’s about ownership, long-term thinking, and having the courage to build something bigger than the life your 9-to-5 can fund on its own.Whether you’re interested in investing, building generational wealth, or just trying to think differently about money and your future, this episode will challenge and inspire you.🎙️ About Wealth on Your TermsWealth on Your Terms is a podcast about building wealth, freedom, and impact — in ways that actually work for your life. Through unfiltered conversations with builders, unconventional thinkers and investors, we break down the real playbooks behind modern wealth building and freedom living. Hosted by Tobi Adekeye. 📧 For partnerships and business inquiries: tobimgt@gmail.com📲 Follow us on Instagram: https://www.instagram.com/wealthonyourtermshub/ Subscribe & tap the 🔔 so you don't miss the next episode. To allow us post more episodes, - Hit the like button to support this podcast and - Write a review and Rate us 5-stars on Spotify and Apple Podcasts 🔗 Listen on Your Favorite Platform- Spotify: https://open.spotify.com/show/1XfWOhFXOVgqurc3ubL6Ed?si=120a11990ec140c9- Apple Podcasts: https://podcasts.apple.com/ca/podcast/wealth-on-your-terms/id1826415199- Watch more episodes: https://www.youtube.com/playlist?list=PLiXreb5FVE9xxyOQ119CArRdWpRJf31vw----------------------🏡For real estate inquires, I'm Tobi Adekeye. I'm a licensed realtor under On The Block Realty, Brokerage – Vaughan, Ontario- Connect with me: https://forms.gle/pKZkRfnnGqvKsPks6- Follow my real estate page: @tobi.realestate------------------------✨ Connect with me, Tobi:📷 Instagram: https://www.instagram.com/tobi.adekeye/👩🏾‍💻 LinkedIn: https://www.linkedin.com/in/tobiadekeye/🗞️ Newsletter: https://tobiderin.substack.com📲 Connect With Nike & Carine: 📷 Instagram (NCTL Group): https://www.instagram.com/thenctlgroup/🎥 Youtube: https://www.youtube.com/@UCxBlyDrTa7a6szaETMtUIXA -------------------------📌 Timestamps00:00 – The turning points that changed how they approached money and wealth12:17 – This wrong decision could keep you broke forever21:37 – The different real estate investing strategies they've done 32:35 - The moment they realized they were playing a much bigger game42:21 - How do you get people to believe in your vision when you’re just starting?48:05 - How they're building generational wealth and still do good at the same time?50:27 - Why they kept their 9-to-5 even and how to use it to build generational wealth 54:04 - What it takes to build generational wealth for your family 1:01:30 - Advice to moms/women trying to build generational wealth ⚠️ DisclaimerThis content is for education only and is not financial or investment advice. Do your own research and consider speaking with a licensed professional.