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Don’t you only have to pay the mortgage insurance until your equity exceeds 20%? Let’s say after 5 years the combined home appreciation and principal payments give you enough equity to exceed 20%. Wouldn’t that mean you no longer have to pay the extra mortgage insurance?

Hey Navjot, I really liked your videos and I reached out to your website for helping in mortgage. I filled out form twice but I couldn’t get hold of anyone. What’s the best way to reach out to your team?

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That’s the best news, please don’t back again

You both are so inspirational ❤

This guy was 2 year ago saying to invest and buy houses, now he he has changed hisbtone , confused guy

Copycat

Microstrategy

How many years Term insurance we should take

Nav, Great analysis for starters. But realistically I don’t think with current taxation and cost of living, One would be able to pay mortgage and invest 2K a month. I read that 65% of Canadians salary is going towards mortgage.

Hi Nav, Thanks for info - Can you please provide the links for the books - $100M offer and $100M deal

Then why are you investing in multiple properties not just in Canada but in USA too.

Hey Nav ! I loved this video . I work with entrepreneurs like you who have under 15k subscribers to help them to grow to 100k subscribers in under 12 months with proper systems . I actually helped Chirag to achieve 92k subscribers in under 11 months . Could I do a free audit to see if I can help you do the same ? I just think it's really important that more people see your content and want to help you on that mission .

Same here i have dollarama at average of 56 and very happy, but still cant believe myself i missed costco even though i knew it would have turned like this😂

Great research and content as usual. Thank you!

Ya right. Why lie man. Pls stop. If u were such a genius why didn’t u buy 200 shares and why only 20 ? Oh wait cause u didn’t know and u gambled. Grow up Mr. Grow

Tesla

Did not find the password for the excel

I can’t even reveal my best asset purchase here. Went through 3 cycles of ups and downs

Very authentic !! Kudos @TRUEINDIANAKSHIT

My best was Microsoft bought at 225 and 465 now😊

There are many CASH FLOW properties in windsor, but I see you haven't invested in windsor at all, why? Share some light if setting is not known or spoken about. Thanks

As someone new to investing, Appreciate sharemarket app has been incredibly helpful. and the interface is beginner-friendly. Thanks for making investing less intimidating!

sir please make a playlist from where i can start watching one by one. what ever you are saying is going above from my head.please please please

My best are Costco(less quantity), Google, Microsoft. Last 2 years I started investing in India which is giving good return.

I miss seeing simrat although I understand this is your passion....I hope she's well!

Thank you

I really recommend this podcast to people who are trying to manage their finances because it's great to hear facts without any of the BS.

IMO 4% YoY home price increase % is being too conservative. Change it to 7% (based on recent trends) and the whole equation changes. Similarly, your figures state that rent will only roughly double after 30 years ($3000 vs $7070) which sounds wayyy off given current trends where it's often increased 10% YoY.

In an earlier video of yours you showed how people are financially better off buying a home in the long run compared to renting... what changed?

renting option needs lot of discipline and time - for rental option what if u want to move and it has not appreciated much, and closing cost / taxes. So it is all about personal choice- committing to 800K or 1 Million is not easy. I prefer flexibility.. Less work in a rental option, Minimalist liiving. Why have so manu Bed Rooms in a home.

I don’t agree with this video. This is not 100% correct. 10% avg every year return is not practical and it’s down mostly. Real estate growth by 4% is not practical either for Ontario. Ignore last 2 years but otherwise real estate has grown higher. What if stock market crashes big time and you have nothing left for ur retirement .. at that time you can’t go back n buy home. After retirement of home is paid off, I don’t have to worry about roof on my head. Common sense..

Looking for the link for Excel sheet

Hi Nav, Thanks for the information - Can you please provide the password to unlock excel file

Calculator link does not point to download excel file, can you plz fix it?

And the best thing about renting is you dont need to pay rent ...... eviction took 1 year

First time I agree with u Nav .... I sell my both houses already and decide never buy house in my whole life ....

Living in BC, where house hacking seems nearly impossible, do you think it would be strategic to relocate to Alberta temporarily? By purchasing a home in Alberta for $825,000, leveraging a basement suite rental for $1,500/month, and building equity, can one effectively implement the hybrid approach you discussed? I know it's subjective and your job plays a vital role, but I've been contemplating doing that and would love to hear your opinion on this! Fantastic video though, very nicely explained! 👏

True, it is logical. Not marrying, not kids, die alone in life, not eating outside are also great finanacial choices. Do things that is happy for you and your family.

Keep up the great work Navjot ❤

Its better to buy home and suck it up all the hard-work to pay mortgage then living as landlord's puppet. Be responsible.....

Which app is best for stock and etf investments

Thanks Navjot for the calculator and the analysis. It seems , the hybrid approach is feasfible from a long term prespective if one is disiplined in investing and is able to get high returns in stocks . Would like to see a comparison of how the results would be if some part of the money that was to be invested in stocks is used to pay off the mortage early.

How does a renter have 118K in year 1. The inputs seem fishy which makes the whole calculation pointless.

Great video Navjot. Real trick here is using your hybrid approach explained but with buying home in Ontario GTA (around 1 million) and basement will provide you $2000 and it will be always in demand as per Canada’s immigration policies. I might be wrong here, just explained what some of my relatives have been doing in Ontario

Great Video Navjot, However, I believe, Primary home cannot be considered a part of net worth, also, after year 30 a homeowner would have stopped working as well, I do not expect a homeowner to make ends meet with a stock portfolio of 377K. I would really like to be a homeowner one day, however numbers are not making sense at all!!

The thing with people is that they generally lack financial discipline. And because of it, owning makes more sense as you are bound to pay your mortgage every month in contrast to investing every month(the deficit).

Paying someone’s mortgages does that apply to renting an apartment??

Renting vs owning is a complicated topic and has no concrete answer..

Amazing information, Paji, Could you please share and guide me how to be mortgage Agent. i have been following you from Potato Talkies!..