Reader. Whether you are cheering for the Seahawks or the Patriots tonight 🏈 (or just waiting for the halftime show), I hope you have some great snacks lined up. I’m coming to you live from Playa del Carmen, Mexico 🇲🇽. I’m down here for the annual Blossom Social Ambassador Retreat. If you haven't heard of Blossom, it's a social investing app where you can see the verified portfolios of other investors. I'm actually the only healthcare professional in the group down here, which has been...
12 days ago • 5 min read
Reader. It was a massive family affair last night in Toronto. We got the whole crew together: Katie's parents (Lesley and Randy), her brother Mike and his family (Ca and baby Orion). We were hosted by Julie's (Katie's other brother Matt's wife) parents Nelly and Dale. I ended up chatting with Dale for a solid hour (as one does after a few glasses of wine) about everything from politics to the economy. But one topic kept coming up: "Is the money actually going to be there when I need it?" Dale...
19 days ago • 6 min read
Reader. Today is January 25th, which holds a special significance for two reasons. First, if you have Scottish heritage (or just enjoy haggis), it is Robbie Burns Day. The poet is famous for writing: "The best laid schemes o' mice an' men (The best-laid plans often go awry). Second, and perhaps more painfully... this is the week the Ghost of Christmas Past arrives in your mailbox. For most people, the credit card statement covering December 15th to January 15th lands right about now. It is...
26 days ago • 4 min read
Reader. We spend a lot of time talking about "Financial Freedom," but today I want to talk about "Financial Survival." Two major reports crossed my desk this week that paint a stark picture of where the "Average North American" is heading, spoiler alert, it's not good news. One shows that an entire generation is sleepwalking into a retirement crisis, and the other shows that the "traditional" family structure is becoming a luxury good. Whether you are in Toronto or Texas, the math is looking...
about 1 month ago • 7 min read
Reader I know we all love seeing our "Spotify Wrapped" at the end of the year to see how many times we listened to Taylor Swift (don't lie). But as clinic owners and practitioners, there is a "Wrapped" report that is infinitely more valuable for your bank account. I just got my 2025 Year in Review from Jane, and it breaks down exactly what happened in my clinical life last year. Data doesn't lie, but it does tell a story. Here is a look behind the curtain at my practice numbers and how you...
about 1 month ago • 6 min read
Reader I know we all love seeing our "Spotify Wrapped" at the end of the year to see how many times we listened to Taylor Swift (don't lie). But as clinic owners and practitioners, there is a "Wrapped" report that is infinitely more valuable for your bank account. I just got my 2025 Year in Review from Jane, and it breaks down exactly what happened in my clinical life last year. Data doesn't lie, but it does tell a story. Here is a look behind the curtain at my practice numbers and how you...
about 1 month ago • 6 min read
Happy New Year! 🥂 Reader Welcome to 2026. I hope your New Year's Eve was a bit more exciting than ours. If you were scrolling through Instagram, it looked like everyone was at a glitzy party or popping champagne on a beach. Meanwhile, at the Valadares household, things were… different. Both Katie and I were hit with a nasty bug 🤧 to start the year. We didn't even make it to the ball drop; we were lights out by 10:00 PM. The first few days of 2026 have been a blur of tissues, blankets, and...
about 2 months ago • 5 min read
Happy Last Sunday of 2025, Reader I had a whole plan for this final email of 2025. I was going to write a strategic "Year in Review," share my top 3 investments, and give you a rah-rah motivational speech for 2026. But the universe had other plans. Today, for the first time in a long time, I am knocked flat. I haven’t been this sick in years. I’ve spent the entire day doing absolutely nothing, no charts, no renovating, no optimizing. Just resting. It’s ironic because the last week has been...
about 2 months ago • 2 min read
Hey Reader, The tree is up, the clinic is winding down, and if you are anything like me, you are currently fueled by 90% caffeine and 10% holiday panic. This is my last email before the holiday festivities kick into high gear. While I’ll be back in your inbox on December 28th to help you prep for the New Year, I wanted to send you off into the holiday weekend with two fascinating charts, a "dusty" life update, and a massive high-five. Let’s dive in before the eggnog flows. By the way, who the...
2 months ago • 3 min read