Most people feel the pressure long before they understand where it’s coming from. The grocery bill creeps up, mortgage renewals pinch harder, and the paycheck seems to vanish faster every single month.
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In this two-part “Triple Threat” series, Jayson Lowe, Richard Canfield, and Henry Wong sit down to unpack why everyday Canadians and Americans are feeling squeezed and, more importantly, what you can actually do about it.
This episode is for the you-and-me crowd: the workers, savers, parents, and business owners trying to navigate a financial system that rarely plays fair.
Instead of burying you in jargon, the trio pulls back the curtain on what’s really happening behind inflation, tariffs, tax policy, and the banking system and how those decisions ripple directly into your household cash flow.
When Policy Hits Your Pocketbook (Why Most People Miss It)
Henry opens with a simple truth: Most families are watching the wrong scoreboard.
Ottawa and Washington release their CPI numbers and headline inflation stats, but none of those tell you how your dollars are being stretched. Policy decisions like tariffs, deficits, new programs, or money creation always show up eventually:
- in your grocery bill
- in your mortgage renewal
- in your fuel tank
- in your business margins
- and, ultimately, in your stress level
These are silent taxes that cost you, even though nobody hands you an invoice. Prices climb, confidence drops, and families work harder to stay in the same place.
And that’s before income tax enters the picture.
When inflation erodes your purchasing power, you try to earn more to compensate… but doing so pushes you into higher tax brackets. So now you’re being penalized for attempting to repair damage the system caused in the first place.
As Jayson says: “You’re earning more shrinking dollars, and that’s the trap.”
Why Most People Don’t See It Coming
Financial markets don’t issue warnings. They don’t knock. They drop.
From the oil crises to Black Monday, from the dot-com crash to COVID, and now tariff uncertainty, markets react instantly, while households absorb the slow damage for years.
Henry shows a powerful illustration: what a $100,000 income in 2015 buys today.
The answer? About 28% less.
To earn your way back to the same lifestyle, you must make more, but the progressive tax system quietly collects a larger share at each step.
It’s economic sleight of hand, and it hurts the most those who follow traditional advice.
The Return Nobody Talks About: Control
While advisors obsess over returns, charts, and rates, the Triple Threat team shifts the conversation to something more fundamental:
Control is the real ROI.
Jayson explains how the Infinite Banking Concept allows families to step out of the part of the financial machine that drains value and into the part that compounds it.
Dividend-paying whole life insurance:
- grows every day, by design
- doesn’t react to market panic
- doesn’t shrink with inflation
- gives you liquid access to capital
- lets you finance major purchases without begging a bank
When he shares his own numbers $20,000 premium turning into more than $32,000 of new cash value in a single year, the message becomes clear:
Inflation becomes irrelevant when you control the banking function in your life.
Richard and Henry share similar experiences: Policies quietly compound while the world feels chaotic.
No investment illustration reflects how policy loans helped build multi-million-dollar businesses, purchase equipment, or fund family opportunities, but that’s the real power of becoming your own banker.
Structure Beats Guesswork Every Time
Henry distills one of the most critical insights in this episode: Most people don’t lack financial products. They lack financial structure.
They have RRSPs, TFSAs, mortgages, business accounts, insurance policies, and savings scattered everywhere. But without a unified system, they’re managing chaos, not wealth.
Your cash flow, taxes, debt, liquidity, and mindset all interact. If those pieces aren’t engineered to support each other, financial stress becomes your default mode.
That’s why the Ascendant team focuses on:
- mapping your personal cash-flow system
- designing policy structures around your goals
- teaching you how to use your banking system, not just own it
- helping you shift from reacting to designing
Because, as Henry says, “Hope is not a hedge structure is.”
Why This Episode Matters Now More Than Ever
We’re living through an era of rapid policy shifts: tariffs, deficits, interest rate swings, political instability, and capital flight. None of these announcements comes with a guide explaining how they affect your family.
This episode is that guide. You’ll learn:
- How inflation, tariffs, and policy quietly reduce your purchasing power
- Why working harder often means paying more tax
- Why traditional retirement tools may not protect you
- Why is control the most overlooked financial strategy
- How Infinite Banking helps you build resilience instead of dependency
- How to engineer a financial system that compounds in your favour
And perhaps most importantly: You’ll walk away understanding how to stop losing money the usual way and start keeping it the smart way.
Final Thought: Don’t Be “Most People”
Nelson Nash used to say, “Most people would rather die than think.”
This episode invites you to think differently, strategically, and independently. If policymakers won’t protect your financial future, you must learn to do it yourself. And this conversation is the roadmap.
Ready to Take Back Control?
Becoming Your Own Banker, the book that started it all.
Don’t spread the Wealth. Keep wealth in the family where it belongs.
Cash Follows the Leader: Learn how family banking compounds over generations.
Keep Taxes Away from Your Wealth: Five proven strategies to reduce tax now and later.
Get your free copies here:
- www.cashfollows.com
- www.dontspreadwealth.com
- www.keeptaxesaway.com
Got questions for the show? Please email us: podcast@wealthonmainstreet.com
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