Control and Compound with Darren Mitchell

Welcome to Control and Compound with Darren Mitchell, a podcast about infinite banking, real estate investing, and what business owners and individuals should be doing with their money. For helpful tips and tricks, visit our Instagram, Facebook, and TikTok at @controlandcompound. Episodes release every Monday. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

How Banks Use Your Money to Build Wealth... and How You Can Too 08/10/2026

How Banks Use Your Money to Build Wealth... and How You Can Too You spent years building your company, creating revenue and accumulating retained earnings. But once the money has been made, an entirely different challenge begins: How do you keep it working without losing access or control? In this episode, Darren and Christina explain why successful business owners eventually begin thinking like bankers… even when they don’t realize it. They examine how banks generate wealth by controlling the movement of capital, why traditional places for storing corporate wealth can leave money trapped or inefficient, and how properly structured participating whole life insurance can help entrepreneurs build their own banking system. You’ll learn why infinite banking isn’t simply an investment strategy, how corporate-owned life insurance can strengthen a corporation’s financial position, and why making money and managing capital require two completely different skills. If you’ve built a successful business and are now wondering what to do with the money it has created, this episode is for you. Subscribe for straight-talking Canadian financial insights, business-owner strategies, and conversations you won’t hear from your bank. Check out our webinar on infinite banking: Show notes: 00:00 - Why Successful Business Owners Become Bankers 01:55 - How Banks Actually Make Their Money 05:11 - The Evolution of a Successful Business Owner 07:11 - You May Already Be Building a Banking System 09:00 - The Problem With Trapped Corporate Capital 10:48 - Infinite Banking as a Capital Management Strategy 13:17 - Using Life Insurance as a Corporate Asset 15:01 - Getting Wealth Out of Your Corporation 17:20 - The Questions Wealthy Entrepreneurs Ask 19:20 - The Lesson Banks Have Been Teaching Us FIND US ON: INSTAGRAM: _ TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/42376415

How Seaweed Helped Build a Skincare Business in Rural Newfoundland | The Story of 7 Fathoms Seaweed Skin Care 08/06/2026

How Seaweed Helped Build a Skincare Business in Rural Newfoundland | The Story of 7 Fathoms Seaweed Skin Care Courtney and Terrence Howell didn’t move to rural Newfoundland because it was the easiest place to build a business. They moved there because it was where they wanted to build their life. After meeting while teaching English in South Korea, the couple eventually settled in Grates Cove, Newfoundland and Labrador. With backgrounds in anthropology and fine arts, they launched an art and tourism business before transforming an old school into a Cajun-Creole fusion restaurant. Then a walk along the beach changed everything. Terrence, who has lived with Crohn’s disease for most of his life, was dealing with serious irritation around his medical appliance. After handling a piece of local seaweed and noticing an unexpected change in his skin, he and Courtney began exploring how its naturally occurring bioactive compounds could be extracted and preserved. That discovery eventually became 7 Fathoms Seaweed Skin Care. In this Entrepreneurial Spotlight, Courtney and Terrence join Darren to discuss building a business in rural Newfoundland, finding their earliest customers, working with scientific researchers, sustainably harvesting seaweed, appearing on Dragons’ Den and preparing 7 Fathoms for its next stage of growth. Learn more about 7 Fathoms Seaweed Skin Care: Follow Control & Compound for more conversations about Canadian business, entrepreneurship, investing and building lasting wealth. Show notes: 00:00 - From Seaweed to a Growing Skincare Company 01:15 - Meet Courtney and Terrence Howell 02:02 - Choosing a Life in Rural Newfoundland 03:14 - Starting Their First Business 04:04 - Building a Restaurant at the End of the Road 06:25 - Terrence’s Journey With Crohn’s Disease 08:59 - The Walk on the Beach That Changed Everything 11:15 - Turning a Personal Discovery Into a Product 13:43 - When Customers Started Calling 15:44 - The Scientist Who Walked Into Their Restaurant 19:01 - Why Entrepreneurial “Luck” Isn’t Really Luck 19:19 - Discovering the Science Inside Newfoundland Seaweed 22:09 - Navigating the Difficult Years 25:00 - Raising a Family While Building a Business 27:07 - Scaling From Rural Newfoundland 31:05 - Harvesting Seaweed Sustainably 36:19 - Making It Onto Dragons’ Den 38:53 - Preparing for the Dragons’ Den Effect 41:37 - The Biggest Myth About Entrepreneurship 45:23 - Curiosity, Courage and Giving Back 45:51 - Where to Find 7 Fathoms Check out our webinar on infinite banking: FIND US ON: INSTAGRAM: _ TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/42343270

Trump’s 50% Tariffs, a Falling Loonie & the Gordie Howe Bridge Deal 08/03/2026

Trump’s 50% Tariffs, a Falling Loonie & the Gordie Howe Bridge Deal The Bank of Canada says the Canadian economy is beginning to improve, inflation has fallen to 2.8%, the TSX has reached another all-time high and Canadian consumers continue to spend. So why does the economic outlook still feel so uncertain? In the August 2026 Economic Update, Darren and Christina break down the proposed 50% U.S. tariffs on certain Canadian products, the latest movement in the Canadian dollar, what’s driving the Canadian and American stock markets, and why major institutions continue buying Bitcoin. They also examine the growing disconnect between the federal government’s promise to build 500,000 homes annually and CMHC’s forecast that Canadian housing starts will decline over the next several years. Darren also digs into the newly opened Gordie Howe International Bridge, why the project is great news for Canadian trade and the unanswered questions surrounding the revised revenue-sharing agreement with the United States. Plus, they discuss the difference between mortgage insurance and personally owned term insurance, Manulife’s growing use of AI, Control & Compound’s new Instagram account and the episodes coming in August. *** Follow the new official Control & Compound Instagram account: @controlandcompound_ Show notes: 00:00 - Canada’s August Economic Update 03:54 - Bank of Canada Holds Interest Rates 06:42 - Inflation Falls but Groceries Keep Rising 08:15 - What’s Pushing Down the Canadian Dollar? 10:30 - The TSX Outpaces the S&P 500 15:02 - Bitcoin Rebounds as Institutions Keep Buying 18:54 - Canada’s Housing Market Begins to Stabilize 20:55 - The Government Promised 500,000 Homes a Year 23:13 - The Gordie Howe Bridge Is Officially Open 25:42 - Questions About the Revised Bridge Agreement 30:38 - Trump’s Proposed 50% Tariffs 32:34 - Some Positive News for Canada’s Economy 34:36 - Term Insurance Versus Mortgage Insurance 37:04 - How Manulife Is Using AI 39:07 - Control & Compound’s New Instagram Account 41:18 - Recent Episodes and What’s Coming in August FIND US ON: INSTAGRAM: _ TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/42298525

How Michele Romanow Went From Selling Caviar to Building a Billion-Dollar Company 07/27/2026

How Michele Romanow Went From Selling Caviar to Building a Billion-Dollar Company Check out our webinar for business owners: Michele Romanow didn’t build her wealth by chasing a bigger salary. She built companies, retained ownership and used each success to create her next opportunity. In this financial autopsy, Darren and Christina examine how the Dragons’ Den investor went from launching a caviar company in New Brunswick to building businesses such as Buytopia, SnapSaves and Clearco. More importantly, they break down the financial pattern that continued throughout her career. You’ll learn why ownership can create wealth differently than income, how skills and relationships compound alongside money, why entrepreneurs should think carefully before giving away equity and how successful business owners eventually make the transition from operator to investor. Michele’s journey is a Canadian success story—but the principles behind it can be applied by business owners everywhere. Show notes: 00:00 The Financial Autopsy of Michele Romanow 01:19 - Why Michele’s Story Is Different 03:50 - Meeting Michele Romanow 04:44 - The Story Before Dragons’ Den 05:01 - Building a Caviar Business From Scratch 06:44 - Entrepreneurship Is About Finding Answers 08:33 - How Michele Romanow Built Her Wealth 09:03 - Why Ownership Matters More Than Income 10:22 - Turning One Success Into the Next 11:39 - The Business Problem That Inspired Clearco 12:16 - Why Founders Give Away Ownership 13:18 - Capital Without Giving Away Equity 14:22 - Control, Capital and Financial Flexibility 16:04 - Five Lessons From Michele Romanow 16:27 - Your First Business Isn’t Your Forever Business 16:53 - Skills Can Compound Faster Than Money 17:28 - Protecting Your Ownership and Equity 18:26 - Making the Shift From Operator to Investor 19:30 - The Work Behind the Success 21:24 - Final Thoughts FIND US ON: INSTAGRAM: _ TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/42216655

Canada’s $50 Billion EV Gamble: What Happens Now? 07/20/2026

If You Died Tomorrow... Would Your Family Know What to Do? 07/13/2026

Entrepreneurship, Resilience & Building a Global Company with Travis McDonough 07/09/2026

Entrepreneurship, Resilience & Building a Global Company with Travis McDonough Check out our webinar for business owners: What does it really take to build a global company from Atlantic Canada? In this month’s entrepreneurial spotlight, Darren sits down with entrepreneur Travis McDonough, founder of Kinduct and Wellnify, to explore the mindset, resilience, leadership, and relentless perseverance required to build one of Canada's most successful sports technology companies. From overcoming learning disabilities and competing as a national boxer to building a company trusted by more than 650 professional sports organizations, including teams across the NHL, NBA, MLB, and NFL, Travis shares the hard-earned lessons that shaped his entrepreneurial journey. He opens up about remortgaging his home to make payroll, navigating failure and uncertainty, scaling a startup, raising capital, leading high-performing teams, and ultimately selling Kinduct before launching his next mission-driven company, Wellnify. This conversation goes far beyond business. It's about developing habits that shape your future, finding purpose through entrepreneurship, building organizations that matter, and creating a lasting impact in your community. Whether you're an entrepreneur, business owner, startup founder, executive, investor, or someone striving for personal growth, this episode is packed with practical insights on leadership, innovation, resilience, business growth, and the mindset required to build something extraordinary. In this episode: • Building a global tech company from Halifax, Nova Scotia • The entrepreneurial mindset behind long-term success • Leadership lessons from elite sports • How to build and scale high-performing teams • Overcoming adversity, failure, and rejection • Raising capital and growing a startup • The story behind Kinduct and Wellnify • Why habits determine your future • Innovation, community, and purpose-driven leadership If you enjoyed this episode, subscribe to Control & Compound for more conversations with entrepreneurs, business leaders, investors, and innovators who are shaping the future of business and wealth in Canada. Show notes: 00:00 - Introduction 01:03 - Learning Disabilities That Became Travis’ Greatest Strength 05:09 - What Sports Taught Him About Entrepreneurship 07:24 - Building a Business from Scratch in Ireland 11:52 - How Kinduct Grew to 650 Professional Sports Teams 17:27 - Mortgaging the House to Keep the Company Alive 23:09 - Life After Selling Kinduct 26:21 - Why Travis Started Wellnify 36:06 - Building a Legacy That Matters 40:01 - "Build Stronger Fences, Not More Ambulances" FIND US ON: INSTAGRAM: _ TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: FIND TRAVIS ON: LINKEDIN: https://ca.linkedin.com/in/travismcdonough WEBSITE: https://wellnify.ai/ /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/42022180

The Hidden Crisis Facing Canada's Economy 07/06/2026

The Retirement Trap: Why the Retirement Plan Canadians Were Sold Is Breaking 06/29/2026

The Retirement Trap: Why the Retirement Plan Canadians Were Sold Is Breaking Check out our webinar for business owners: For decades, Canadians were told retirement was simple: ✔ Pay off your mortgage ✔ Max out your RRSP ✔ Collect CPP and OAS ✔ Retire comfortably. But that plan was built for a completely different Canada. In this episode, Darren and Christina explain why inflation, taxation, government policy, and longevity are changing retirement forever—and why accumulating assets alone is no longer enough. They break down: Why retirement has become a control problem instead of a savings problem The hidden inflation most retirees underestimate The RRSP "tax bet" almost nobody understands How government policy can completely change your retirement plan Why wealthy Canadians focus on flexibility instead of simply accumulating more money How tax diversification creates more retirement options Where participating whole life insurance fits into a long-term wealth strategy If you're relying solely on traditional retirement advice, this episode may completely change how you think about building wealth. Subscribe for weekly episodes covering Canadian wealth building, Infinite Banking, tax strategies, investing, entrepreneurship, and financial freedom. Show notes: 00:00 - Introduction 01:49 - The retirement formula Canadians grew up believing 03:29 - Inflation, taxes and why retirement is different today 04:58 - The shocking effect of inflation over 30 years 07:56 - Why taxes destroy more wealth than investments 09:04 - The RRSP tax bet most Canadians don't realize they're making 11:05 - Hidden tax stacking in retirement 13:20 - Government policy risk and changing retirement rules 17:35 - How just 1% more taxation changes everything 19:19 - What wealthy Canadians do differently 20:40 - Why flexibility beats accumulation 22:30 - Building retirement options instead of one strategy 24:02 - Final thoughts FIND US ON: INSTAGRAM: _ TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/41861360

How John D. Rockefeller Built and Preserved Generational Wealth 06/22/2026

Your Business Is Growing… So Why Are You More Stressed? 06/15/2026

Your Business Is Growing… So Why Are You More Stressed? Many entrepreneurs start their business believing success will eventually create freedom. But for a lot of business owners, the opposite happens. The business grows, revenue increases, the team expands… but so do the stress, responsibility, payroll, decisions, overhead, and financial pressure. In this episode, Darren and Christina break down why successful entrepreneurs can still feel trapped inside the business they built. They discuss the stages of entrepreneurship, how business owners become the bottleneck, why revenue alone does not create freedom, and how systems, delegation, liquidity, and long-term planning can help create true financial and operational freedom. They also explain why many entrepreneurs are asset rich but liquidity poor, and how strategies like corporate-owned high cash value life insurance can help business owners build stability, flexibility, retirement options, and estate planning benefits outside of the operating company. If you are a business owner who has built something successful but still feels overwhelmed, this episode is for you. Show notes: 00:00 - Why successful entrepreneurs still feel trapped 02:17 - The entrepreneurship lie 05:16 - Does your business own you? 06:25 - The 90-day test 08:46 - The stages of entrepreneurship 12:04 - How to start creating freedom 12:46 - Document everything 14:07 - Hire for freedom, not just growth 16:16 - Stop making every decision 18:14 - Cash flow vs. wealth 22:39 - Building liquidity outside the business 25:06 - Why cash value life insurance fits business owners 29:13 - Creating a freedom plan 32:12 - The solution: structure, liquidity, delegation, planning 34:01 - Build your business like you plan to sell it FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/41646705

The Biggest Money Mistake Most Canadians Make | Why Banks Always Win 06/08/2026

The Biggest Money Mistake Most Canadians Make | Why Banks Always Win What if you woke up on a desert island with 100 other people and had to rebuild an economy from scratch? In this episode of Control and Compound, Darrenl and Christina use a simple desert island story to explain one of the most important wealth-building lessons most people never learn. Why do banks become some of the most profitable institutions in the world? Why do some families build lasting wealth while others struggle to keep it? And why does controlling capital often matter more than working harder, earning more, or finding the perfect investment? Through the story of Fisherman Frank and Banker Bob, you'll discover how liquidity, access to capital, financing, and uninterrupted compounding can dramatically change financial outcomes over time. Topics discussed: • Why banks become so profitable • The difference between producing wealth and controlling capital • How liquidity creates financial resilience • Lessons from recessions, market crashes, and economic downturns • Infinite Banking and the concept of becoming your own banker • Building multi-generational wealth • Why wealthy families think differently about money If you want to understand how money really works and why some people seem to get ahead regardless of economic conditions, this episode is for you. #InfiniteBanking #WealthBuilding #PersonalFinance #ControlAndCompound #FinancialEducation Show notes: 00:00 - Introduction 01:24 - Welcome to the Desert Island Economy 03:20 - How Specialization Creates Wealth 04:22 - The Problem Every Economy Faces 05:31 - Enter The Banker 07:51 - Fisherman Frank vs Banker Bob 09:30 - The Real Source of Wealth 11:48 - Becoming Your Own Banker 14:15 - Financing Growth Differently 16:16 - Why Liquidity Matters 18:18 - Building Family Wealth 20:09 - Why Banks Always Win FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/41571015

Where Your Tax Dollars Actually Go in Canada 06/04/2026

Where Your Tax Dollars Actually Go in Canada Did you know the first $1,400 many Canadians pay in federal taxes goes toward servicing government debt? Most Canadians hear terms like deficit, debt, and government spending every day, but few understand how those decisions impact mortgages, retirement planning, business owners, and future tax rates. In this episode of Control and Compound, Darren sits down with Devin Drover of the Canadian Taxpayers Federation to discuss where taxpayer dollars are going, why government deficits matter, the capital gains tax controversy, housing affordability, and what Canada's growing debt could mean for future generations. Whether you're a business owner, investor, professional, or simply trying to understand Canada's financial future, this conversation breaks down complex issues in a practical and easy-to-understand way. Topics include: • Government deficits and debt • Capital gains taxes • Taxpayer rights • Housing affordability • Small business competitiveness • Government spending and accountability • Canada's economic future 📌Subscribe for weekly conversations on taxes, investing, retirement, and building long-term wealth. Show notes: 00:00 - Introduction 01:13 - Devin Drover's Background 02:46 - What Is A Government Deficit? 05:08 - How Deficits Affect Mortgages & Businesses 06:58 - When Does Government Debt Become Dangerous? 08:50 - Why Young Canadians Should Care 09:57 - Will Taxes Continue To Rise? 11:54 - Why Governments Keep Running Deficits 14:11 - What Would Devin Change First? 15:39 - The Teddy Waste Awards 20:04 - Capital Gains Tax Controversy 25:43 - Ongoing Legal Battles 29:08 - Canada's Biggest Financial Risk 31:00 - Rapid Fire Questions 33:11 - Is There Hope For Canada's Future? 34:48 - Where To Follow The Canadian Taxpayers Federation FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/41533625

What’s Really Happening in Canada Right Now | Economy, Housing, and the Canadian Dollar 06/01/2026

The Biggest Financial Risk Canadians Aren’t Talking About 05/25/2026

How Sam Walton Built Walmart Into a $500 Billion Empire 05/18/2026

The Hidden Cost of Ignoring Your Health | Health is Wealth 05/11/2026

The Hidden Cost of Ignoring Your Health | Health is Wealth Check out our new Business Masterclass: What if your health was your greatest financial asset? In this episode of Control and Compound, Darren and Christina break down the growing connection between health, longevity, productivity, and wealth creation. From Jeff Bezos and Mark Zuckerberg to Richard Branson and Tim Cook, some of the world’s most successful people are prioritizing fitness, muscle building, sleep, and preventative health — and it’s not by accident. Darren and Christina discuss: Why “you are the golden goose” The connection between energy and financial performance Lifespan vs. healthspan Why muscle is critical for longevity The four biggest health risks facing North Americans How exercise impacts clarity, stress, and decision making Why successful entrepreneurs are investing heavily in preventative healthcare Simple habits that can dramatically improve your future If you’re building wealth but ignoring your health, this episode is for you. Subscribe for more conversations around wealth, investing, financial control, and uninterrupted compounding. Show notes: 00:00 - Why Billionaires Prioritize Fitness 00:52 - The Connection Between Health & Wealth 02:21 - “A Man With His Health Has A Thousand Dreams” 03:10 - You Are The Golden Goose 05:06 - Exercise, Energy & Decision Making 06:03 - Discipline vs Motivation 08:20 - The Hustle Culture Myth 11:49 - How Health Extends Your Wealth Timeline 13:10 - Lifespan vs Healthspan 19:04 - Why Muscle Is The Longevity Organ 21:56 - The Four Biggest Health Killers 23:53 - The Two Biggest Health Levers 26:18 - Executives Investing In Preventative Health 29:13 - The 5 Fundamentals Of Longevity 31:00 - Final Thoughts FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/41246370

“I Told My Wife, This is Going to Take Every Nickel We Have” | How Murray Arsenault Went All In On Entrepreneurship 05/07/2026

Why Does Canada's Economy Feel Broken Right Now? | A Closer Look at Canada's New Sovereign Wealth Fund 05/04/2026

The Wealth Strategy Behind Elon Musk’s $840 Billion Fortune 04/27/2026

The Harsh Truth About Selling Your Business in Canada 04/20/2026

16 Hidden Benefits of Cash Value Life Insurance in Canada 04/13/2026

16 Hidden Benefits of Cash Value Life Insurance in Canada REGISTER FOR OUR BUSINESS MASTERCLASS TODAY: Most people think life insurance does one thing. You pay into it… and when you die, someone gets a cheque. But what if that’s only scratching the surface? In this episode of Control and Compound, Darren and Christina break down 16 powerful and often overlooked benefits of cash value life insurance — and why it may be one of the most misunderstood financial tools available in Canada today. This isn’t just about insurance. It’s about how your money moves, how it grows, and most importantly — how much control you actually have over it. We walk through five key areas where properly structured cash value life insurance can completely change your financial strategy: Control and access to capital Long-term, tax-efficient growth Leveraging opportunities without interrupting compounding Protection and guarantees most assets don’t offer Retirement income and legacy planning advantages If you’re a business owner, high-income earner, or someone looking to build wealth more efficiently, this episode will challenge the way you think about saving, investing, and planning for the future. Because in the end, it’s not about finding a better investment. It’s about building a better system. Show notes: 00:00 - Introduction 00:43 Why Cash Value Life Insurance Is Misunderstood 01:50 The 3 Pillars: Control, Access, Compounding 02:31 The 5 Buckets Explained 03:17 Bucket 1: Control (Liquidity, Flexibility, Privacy) 06:46 Bucket 2: Growth (Tax-Free + Consistency) 09:40 The “And Asset” Strategy Explained 11:19 Bucket 3: Opportunity & Leverage 14:54 Bucket 4: Protection & Guarantees 18:18 Bucket 5: Retirement & Legacy 22:19 How This Strategy Evolves Over Your Life 24:16 Final Takeaway: Control > Returns FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40826825

How Canadians Can Invest in U.S. Real Estate Without Costly Tax Mistakes 04/09/2026

Canada’s Economy Is Feeling the Pressure | The Financial Update Canadians Can’t Afford to Ignore 04/06/2026

Canada’s Economy Is Feeling the Pressure | The Financial Update Canadians Can’t Afford to Ignore REGISTER FOR OUR BUSINESS MASTERCLASS TODAY: March was a wild month – and in this April update, Darren and Christina break down what it all means for Canadians, investors, and business owners. They cover the Bank of Canada rate hold, inflation risks, the falling Canadian dollar, stock market volatility, Bitcoin, pressure building in Canadian real estate, recession concerns, and why certainty matters more than ever in uncertain times. They also unpack what’s happening in the broader Canadian economy, why capital is leaving the country, and why more people are turning to safe, stable financial strategies. If you’re a business owner, investor, or someone trying to make smart financial decisions in a volatile environment, this episode is for you. Register for the April 22 Business Masterclass in the link below. Show notes: 00:00 - Introduction 01:02 - Bank of Canada holds at 2.25% 02:09 - Inflation looks better on paper, but risks remain 05:18 - Canadian dollar under pressure 07:26 - Stock market volatility in Canada and the U.S. 11:26 - Bitcoin update: weakness, regulation, and opportunity 15:09 - Canadian real estate slowdown and investor pressure 18:52 - GDP, recession risk, and money leaving Canada 19:58 - Canada’s natural resource advantage and political roadblocks 23:40 - Ontario HST rebate and weird policy moves 24:09 - Why life insurance applications are surging 27:11 - Control and Compound Business Masterclass announcement 29:43 - Recent episodes recap 30:48 - What’s coming this month on the podcast FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: BOOK A CALL WITH US NOW: Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media. /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40743040

Salary vs Dividends in Canada: What Business Owners Need to Knowv 03/30/2026

Salary vs Dividends in Canada: What Business Owners Need to Knowv BOOK A CALL WITH US NOW: Should you pay yourself through salary or dividends as a business owner in Canada? On today’s episode, Darren and Christina break down one of the most common questions entrepreneurs ask — and explain why the answer is about much more than just taxes. They cover the real differences between salary and dividends, how each one impacts your corporation, personal taxes, CPP, lending ability, cash flow, investing, retirement planning, and long-term wealth, and why sometimes the smartest move is to leave more money inside the corporate structure. They also discuss: how salary affects borrowing capacity why dividends offer more flexibility how tax integration works in Canada why pulling too much money out of your corporation can hurt long-term growth how holding companies and corporate-owned life insurance can play a role in tax-efficient wealth planning If you’re a Canadian business owner trying to make smarter decisions with your corporate dollars, this episode is a must-watch. Show notes: 00:00 - Introduction 00:23 - Why this is one of the most common questions entrepreneurs ask 02:38 - What salary is and how it works inside a corporation 04:48 - The biggest advantage of salary: lending and borrowing power 06:43 - What dividends are and how they differ from salary 08:06 - The lending downside of dividend income 10:33 - Tax integration in Canada: why salary and dividends often net out similarly 13:27 - Why this decision affects retirement, cash flow, and long-term wealth 15:37 - The bigger mistake: taking too much money out of the corporation 21:00 - Sometimes the right answer is neither salary nor dividends FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media. /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40666675

The TRUTH About Owning Multiple Infinite Banking Policies (Most People Get This Wrong) 03/23/2026

The TRUTH About Owning Multiple Infinite Banking Policies (Most People Get This Wrong) Most people think you start a second policy when you have more money. While that may be the case sometimes, there’s so many other reasons why you can start a second, third, and maybe even a fourth policy! On today’s episode, Darren and Christina break down exactly when and why a second cash value life insurance policy makes sense. From max funding limits to corporate strategies, unexpected cash flow, and generational wealth planning, we walk through the real reasons people expand beyond their first policy. If your first policy is doing what it’s supposed to do, the next challenge isn’t performance – it’s capacity. This episode will help you understand how to recognize that moment, and how to build a system that grows with you, your business, and your family over time. Show notes: 00:00 - Why a second policy becomes part of the conversation 01:23 - What clients realize after their first policy starts performing 02:09 - Why you can’t just keep adding money to the same policy 03:00 - Reason #1: your first policy proved the concept works 04:10 - Reason #2: using a second policy for corporate retained earnings 05:37 - Reason #3: what to do when you come into extra money 07:16 - Reason #4: separating a workhorse policy from a legacy policy 09:08 - Reason #5: using spouse and family policies for estate planning 12:09 - Reason #6: insuring children for legacy and generational wealth 25:01 - 10 questions to ask before starting a second policy FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media. /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40587790

Infinite Banking in Canada Explained: 1.0 vs 2.0 vs 3.0 03/16/2026

Infinite Banking in Canada Explained: 1.0 vs 2.0 vs 3.0 BOOK A CALL WITH US NOW: What is Infinite Banking in Canada, and how do you know whether you’re still at level 1.0 or ready for 2.0 and 3.0? On today’s episode, Darren and Christina break down the real difference between using cash value life insurance in Canada for simple policy loans versus using it for wealth creation, retirement income, tax efficiency, and legacy planning. They explain how Infinite Banking 1.0 is where most people start: borrowing against a properly structured policy for major purchases, liquidity, and better control over money. Then they move into Infinite Banking 2.0, where the strategy becomes a true wealth-building tool for Canadian business owners, real estate investors, and families who want to use policy liquidity to create assets, generate income, and multiply capital. Finally, they unpack Infinite Banking 3.0, where the conversation expands into tax-free retirement planning, estate planning, corporate planning, and leaving more to family instead of CRA. If you’ve been researching Infinite Banking Canada, cash value life insurance, corporate-owned whole life insurance, or tax-free retirement strategies for Canadians, this episode gives a clear framework for understanding how the strategy can evolve from basic use to advanced planning. If you’re a Canadian business owner, investor, or family looking to understand how this strategy could fit into your financial plan, connect with the Control and Compound team. Show notes: 0:00 - Intro: Infinite Banking 1.0, 2.0, and 3.0 0:48 - What most people get wrong about Infinite Banking 1:56 - Infinite Banking 1.0 explained 2:41 - Using policy loans for cars, debt, and short-term needs 4:05 - Why 1.0 builds discipline but not major wealth 4:49 - Infinite Banking 2.0: asset creation and compounding 5:14 - Using policy liquidity for real estate, business, and investing 6:15 - Building an opportunity fund and volatility buffer 8:09 - Infinite Banking 3.0: legacy, retirement, and estate planning 10:09 - Why tax-free liquidity at death matters 10:28 - Corporate-owned life insurance and the capital dividend account 12:00 - Why cash value can outperform traditional fixed-income buckets 14:06 - Retirement income, market volatility, and spending more confidently 17:09 - Why this is a major strategy for Canadian business owners 21:21 - Final recap: 1.0 vs 2.0 vs 3.0 Topics covered: Infinite Banking Canada, cash value life insurance Canada, policy loans, uninterrupted compounding, corporate-owned life insurance, tax-free retirement, estate planning, retained earnings, retirement income planning, capital dividend account, legacy planning. FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media. /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40497205

Harleen Laroia on Leadership, Wellness, and Building with Purpose 03/09/2026

Harleen Laroia on Leadership, Wellness, and Building with Purpose Yesterday was International Women’s Day, and today we’re continuing that celebration by spotlighting an incredible woman who is building businesses, creating impact, and empowering communities. In this special Entrepreneur Spotlight episode of Control and Compound, Christina sits down with Harleen Laroia. Harleen, a visionary CEO, spearheads a renowned childcare and Montessori brand with twelve facilities in Ontario. Driven by her children's needs, she transitioned from the corporate world to founding her own childcare brand with a unique offering of Montessori and play-based under one roof. SimplySmart Childcares provide employment for over 235 people in Ontario, with 99.9% being women. Inspired by her daughter's birth, Harleen ventured personally into taking care of her health and finally is the Director of the two OsteoStrong facilities in Oakville & Toronto. Here, she empowers individuals of all ages and fitness levels to enhance their bone health and overall well-being, aiming to defy age-related limitations. Harleen's leadership embodies a deep commitment to promoting well-being and empowering individuals. Her journey reflects a passion for creating positive change personally and within communities. Under Harleen's leadership, the Childcare & Montessori establishment sets a high standard for nurturing children and providing a robust educational foundation. Meanwhile, the Osteostrong facility serves as a symbol of prioritizing health and revolutionizing fitness ideologies. Harleen's vision transcends conventional norms, emphasizing inner strength and resilience. This facility accommodates individuals aiming to enhance bone health and physical capabilities, reflecting Harleen's holistic approach to well-being. Now she is embarking on an adventure in 2026 launching the Mura CircleTM which will enable us to become more conscious parents and aware of how we show up to raise the next generation and in our relationships. In essence, Harleen's entrepreneurial journey, fueled by her children's needs and personal experiences, encompasses childcare, education, relationships and a dedication to holistic health, leaving a lasting impact on individuals and communities. This episode dives into entrepreneurship, leadership, wellness, parenting, and legacy — and what real strength actually looks like in business and life. If you’ve ever faced self-doubt, struggled to balance career and family, or wondered what it takes to build something meaningful, this conversation will resonate. Show notes: 00:00 - Introduction 00:22 - Meet Harleen Laroia and the story behind SimplySmart 01:16 - From corporate telecom career to entrepreneurship 02:03 - Building businesses from personal need 03:16 - The impact SimplySmart had on families and children 04:54- Leadership lessons from scaling multiple businesses 06:23 - Why empowerment and trust matter more than control 07:16 - Working on the business vs in the business 08:26 - The leadership structure that helped her scale 10:31 - Entrepreneurship, stress, and women’s health 13:40 - Longevity vs healthspan and the importance of wellness 16:31 - Barriers women face in business 18:30 - Why successful leaders don’t take things personally 20:02 - Overcoming self-doubt and investing in personal growth 26:56 - Mirror Circle and conscious parenting 31:43 - Lightning round + final leadership insights FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media. /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40364900

Canada’s Debt Problem Is Bigger Than You Think 03/05/2026

Canada’s Debt Problem Is Bigger Than You Think BOOK A CALL WITH US NOW: Canada’s economic future is becoming one of the most important conversations happening today. Rising government spending, persistent deficits, and growing debt are raising serious questions about long-term economic growth, investment, and tax policy. On today’s episode, Darren sits down with returning guest Jake Fuss, Director of Fiscal Studies at the Fraser Institute, to break down the big picture of Canada’s economic trajectory. They discuss the real impact of affordability programs, government spending, deficits, and what Canada’s rising debt could mean for businesses, investors, and everyday Canadians. The conversation dives into topics like inflation pressures, business investment leaving Canada, regulatory barriers, and the potential tax implications if current fiscal trends continue. Whether you’re a business owner, investor, or simply someone trying to understand where Canada’s economy may be headed, this episode provides critical context to help you make better financial decisions. Show notes: 0:00 - Why Canada’s Economic Future Should Worry You 1:28 - The New GST Credit: Will It Actually Help Canadians? 3:15 - Why Government Cash Payments Don’t Fix Affordability 5:09 - Can Government Spending Cause Inflation? 6:26 - The Budget Trick: Operating vs Capital Spending 8:48 - Canada Is Running Massive Deficits… Outside a Recession 10:42 - What Happens When Deficits Become “Normal” 13:55 - Countries That Fixed Their Economies (Ireland & Estonia) 15:49 - Why Economists Measure Debt Per Person 17:12 - The Fiscal Turnaround Canada Pulled Off in the 1990s 19:22 - Why Businesses Are Investing Less in Canada 21:49 - The Biggest Economic Risks Facing Businesses Today 24:27 - Canada’s Real Problem: Spending, Taxes, or Growth? 26:22 - The Biggest Economic Risk Facing Canada Right Now 27:04 - The Fiscal Myth Most Policymakers Believe FIND US ON: INSTAGRAM: TIKTOK: LINKEDIN: Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media. /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40324595

Volatility, Pressure & Big Decisions Ahead for Canadians | March Update 03/02/2026

Volatility, Pressure & Big Decisions Ahead for Canadians | March Update BOOK A CALL WITH US NOW: On the surface, things look stable. Inflation is near target. Rates are holding. The dollar isn’t moving much. Markets aren’t melting down. But underneath? There are some real shifts happening. On the March update, Darren and Christina talk about Canada’s productivity problem, the growing imbalance between government and private sector jobs, real estate entering what we’d call a “pressure phase,” and why Bitcoin’s drop may not mean what people think it means. They also dive into why Canada’s market is outperforming the U.S. right now — and it has less to do with the economy than most people assume. If you care about where the country is heading financially, this is an important one. Tune in now! Show notes: 00:00 - Introduction 1:05 - Bank of Canada update 2:50 - Inflation news 3:45 - Canadian dollar update 5:10 - Stock market update 8:00 - Bitcoin update 11:10 - Real estate update 13:20 - Economic news 17:35 - Life insurance industry news 22:30 - Control and Compound news 24:20 - Podcast news FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: LINKEDIN: Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media. /episode/index/show/cccbb75a-90c4-435b-b701-9c67ba289c79/id/40280670

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