Welcome to part 4 of the wealth formula, which focuses on understanding our definition of enough.

We begin with a more philosophical discussion and move to rough numbers later only to help illustrate concepts.

Discussion points:

- introduction (1:33)

- Businessman & fisherman (2:43)

- Research on happiness, income (5:26)

- Understand and visualize your ideal life (11:50)

- What our life could cost (14:04)

- Withdrawal rates, portfolio size (15:52)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

The 5 Types of Wealth: https://www.the5typesofwealth.com/

Links to videos:

Ben Felix:

https://youtu.be/S9InNdQhFwc?si=RTCDG1wUWvEV7vva 

https://youtu.be/1FwgCRIS0Wg?si=7GKWwIB7r_fyUh23 

Blueprint Financial: 

https://youtu.be/BhlWUkwZoRo?si=ai66rrz0DqV7iGCq 

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Papers cited in this episode:

A wandering mind is unhappy:

https://greatergood.berkeley.edu/images/uploads/A_Wandering_Mind_Is_an_Unhappy_Mind.pdf

Income satiation and turning points:

https://www.flightfromperfection.com/files/post_attachments/jebb_et_al_2018.pdf

I love under-discussed & relevant topics, so I'm thrilled to host Dr. Nikhil Patil to discuss SR&ED (Scientific, Research & Experimental Development) credits for Canadian professionals.

Discussion points:

- introduction (1:37)

- what are SR&ED credits? (6:01)

- eligibility with examples (7:42)

- qualifying activities (14:15)

- Impact of other grants (16:22)

- How much can be claimed? (17:31)

- What the SR&ED claim process looks like (21:57)

- Best practices to reduce audits (28:38)

- Where does one start? (34:18)

- Closing thoughts (37:00)

Dr. Nikhil Patil:

[email protected]

https://www.innovotis.com/

https://www.linkedin.com/in/nikhilpatilmd/

Yatin:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Many of us have substantial equity in our homes. How can we use it to grow our wealth?

I'm joined by Matt Lee & Ming Lim from Volition properties to unpack HELOCs (home equity line of credit), the Smith Manoeuvre (routine and supercharged), & reverse mortgages.

The episode kicks off by discussing life goals & our why, which is critical to nail down before embarking on any wealth strategy.

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Discussion points:

Goal setting & our Belize (3:03)

My goals (13:50)

Risks & mitigation in real estate investing (15:55)

HELOCs (24:45)

The Smith Manoeuvre (29:05)

The supercharged Smith Manoeuvre (33:45)

Why the Smith Manoeuvre is not for everyone (39:25)

Reverse mortgages (46:19)

Trends in Toronto multifamily investing (54:54)

Volition Properties: 

https://www.volitionprop.com/

[email protected]

[email protected]

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Welcome to part 3 of the wealth formula - investing.

Investing allows us to plant seeds for the live we wish to live - both today and later.

Discussion points:

- Japan (00:00)

- The wealth formula (1:23)

- Return vs effort (2:43)

- The power of time (5:00)

- Focusing on what's in our control (9:48)

- Signal vs noise (11:25)

- Valuation/CAPE ratio (12:56)

- Investing during lost decades (15:50)

- Geographical diversification (18:52)

Useful websites:

https://www.lynalden.com/shiller-pe-cape-ratio/

http://www.econ.yale.edu/~shiller/

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&XLINK=MYCP

Dr. Gwynn Curran-Sills wears many hats: an emergency physician, a real estate investor, and a devoted family man. Today, Gwynn talks about what he's learned growing real estate portfolio in Western Canada to 199 units, his thoughts on intergenerational wealth, and lessons from a year-long sabbatical in Spain.

Discussion Points:

- introduction (2:02)

- how Gwynn's interest in real estate developed (5:32)

- the decision to focus on real estate in Western Canada (7:50)

- Portfolio size and vision (15:32)

- Value add strategies (19:32)

- Do's and don'ts when investing out of province (20:50)

- Does real estate still provide a good inflation hedge? (23:11)

- Gwynn's why with RE investing (24:25)

- Thoughts on intergenerational wealth (26:25)

- Gwynn's sabbatical in Spain (31:00)

- What does success look like? (40:15)

Gwynn Curran-Sills:

[email protected]

www.linkedin.com/in/gwynn-curran-sills-b7778410a

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: [email protected]

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Welcome to part 2 of the wealth formula - meaningful spending.

Time stamps:

- newsletter (0:30)

- the wealth formula (0:53)

- the spending pie chart (1:39)

- the biology of spending (6:20)

- mindful spending gives us control (9:05)

- good spending focuses on relationships (10:40)

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Books discussed in this episode:

Die with Zero:

https://www.amazon.ca/Die-Zero-Getting-Your-Money/dp/0358567092

Balance:

https://www.amazon.ca/Balance-Invest-Happiness-Health-Wealth/dp/1774580756

Welcome to the first of a 4 part series on the wealth formula.

This episode focuses on understanding and optimizing our income.

Today's episode is dedicated to our colleague, Dr. Mike Fralick, who recently passed away.

Time Stamps:

- Remembering Mike Fralick (0:06)

- Spam attacks, newsletter (1:34)

- The wealth formula (3:05)

- Optimizing income (5:30)

- Extra shifts (9:32)

- Protecting income (12:15)

- Diversifying income (14:32)

Go Fund Me for Mike's family: https://www.gofundme.com/f/michael-fralick-v5eja

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Links:

Newsletter: https://www.beyondmd.ca/newsletter

website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Amex credit card referrals: 

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Today I interview the person who has taught me the most about what it takes to live a rich and meaningful life - my dad, Ashok Chadha.

We talk about the importance of dreams, curiosity, taking chances, entrepreneurship, & building an identity around multiple life pillars.

Time stamps:

- Embracing curiosity and following your dreams (2:37)

- Taking the plunge and moving to Canada (6:05)

- Finding joy at work and enjoying a long medical career (8:49)

- The fragility of life (11:39)

- Entrepreneurial venture #1 (13:47)

- Breaking the cycle of trading time for money (16:16)

- Entrepreneurial venture #2 (17:55)

- Entrepreneurial venture #3 (21:06)

- Finding balance in life (28:17)

- Healthy living and thriving in retirement (33:25)

- Closing thoughts and wisdom (40:25)

Links:

Newsletter: https://www.beyondmd.ca/newsletter

website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Today I'm thrilled to host someone I've learned so much from over the years - Mike Heroux, passionate dividend growth investor. Mike has been educating Canadian retail investors for many years & is founder of Dividend Stocks Rock.

Regardless of your investing level, this episode has something for everyone.

Discussion points:

Introduction (01:53)

How Mike got started with dividend growth investing (3:37)

The dividend triangle (7:58)

How many sectors, how many stocks? (12:14)

Finding time to invest (16:48)

What about XEQT and chill? (19:32)

Managing FOMO as a dividend growth investor (23:13)

The retirement loop (25:46)

How to avoid yield traps (29:36)

Payout ratios (35:41)

Covered call ETFs (38:40)

Any other trends among Mike's best performing stocks? (45:23)

Valuation (48:24)

Rebalancing the portfolio (55:49)

Re-investing dividends (58:54)

Mike's best and worst investments (59:55)

Interesting dividend growth ideas related to AI (1:06:55)

Where to follow Mike, Dividend Stocks Rock (1:10:49)

Mike Heroux:

https://www.dividendstocksrock.com/
https://thedividendguyblog.com/podcast/
https://www.youtube.com/@DividendGuy

beyond MD links:

website: https://www.beyondmd.ca/

newsletter: https://www.beyondmd.ca/newsletter

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

2025 has been an incredible year full of learning, conversations, and memories on the show - thank you for making it possible!

Today, we recap the most memorable moments from beyond MD in 2025.

Wishing you and yours an enjoyable and restful holiday season.

Table of Contents:

- Living a rich and successful life with MarK McGrath & Aravind Sithamparapillai (0:45)

- Sabbatical, presence, good financial decisions with Dr. Kieran Nair (16:33)

- Long-term investing returns with Dr. Paul Healey (27:25)

- Understanding your definition of enough (33:17)

- Getting the most our of work - enjoying productivity and finding joy (36:25)

- Finding more control in medicine with Dr. Mamta Gautam (44:00)

Links:

website: https://www.beyondmd.ca/

email: [email protected]

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP