Dear Younger Fred
18 Things I Wish You Understood Earlier
Last week, Madelaine and you celebrated 18 years together.
Family. Health. Wealth.
Every Thursday, I write letters to my younger self—reflections on the lessons I wish I'd learned sooner about family, health, and building a meaningful life. Welcome to my corner of the internet.
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Dear Younger Fred
Some of the Best Moments Cost Nothing
We spend so much of adulthood thinking the memorable moments need to be created. The big vacation. The perfect birthday. The expensive experience.
Dear Younger Fred
The Best Return $29.95 Can Buy
You can talk yourself out of almost anything with a cost-benefit analysis. Don't buy the flowers, they'll only die. But fulfilment isn't a science, and some of the best returns in life never show up on a spreadsheet. About $29.95 every two weeks, roughly.
Reflections
Why Ride On 2026 Stayed With Me
In only its second year as a one-day event, Ride On raised over $1 million for cancer research, with 100% going straight to the cause. Our B.C. TD team of 30 riders raised over $76,000. Here is what hearing about 20 years of progress made me think about.
Financial Insights
The Quiet Power of Compound Growth
Consistency, patience and time often work together.
Dear Younger Fred
Nobody Was Harder on You Than You
For years, you'll think the pressure is coming from everywhere else.
Dear Younger Fred
Success Won't Feel the Way You Think It Will
When you're 19, you'll attach happiness to numbers, peace to outcomes, and identity to achievements. It'll take years to realize that success on paper doesn't guarantee peace in your heart.
Recent Reflections
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Financial Insights
Co-Own a Business? The Case for a Shareholders' Agreement
Co-owning a business can work well — until circumstances change. If you co-own a business with family members or other shareholders, do you know how you would handle the unexpected?
Financial Insights
RESP Options: What If My Kid Doesn't Go to University?
Whether they're considering university, a skilled trade, a training program, or no post-secondary education at all, where does your child's Registered Education Savings Plan (RESP) fit into their fut…
What I Believe
Family First
The people we love give meaning to everything else we do. They're not just a priority—they're the purpose.
Health Matters
Without health, wealth means nothing. Take care of your body and mind—they're the only ones you've got.
Wealth with Purpose
True wealth isn't about accumulation—it's about having the resources to live your values and help others.
Let's Start a Conversation
Have a story to share? A question about something I wrote? Or just want to connect? I'd love to hear from you.
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