Hey there,
It’s been a while since we last connected. We hope you’re doing well!
2024 has been another challenging year for many Canadians.
While inflation isn’t climbing as sharply as it did during the COVID years, the prices of everything—housing, rent, food, gas, insurance, and more—are still sky-high.
It’s as though we’ve hit a new baseline, and unfortunately, it’s not coming down.
For many, it’s harder than ever to get ahead.
At Rock Star, we’ve been talking about the erosion of the middle class for over a decade, and now we’re watching it happen in real time.
Canada is increasingly becoming a nation of “haves” and “have-nots.”
The haves—those who own assets like real estate—benefit as their investments keep pace with inflation, while the have-nots fall further behind, struggling just to stay afloat.
The gap is growing faster than ever, and it’s devastating to watch.
We all wish things were different. We wish wages kept up with inflation. We wish housing was more affordable. We wish taxes weren’t eating away at our paychecks every year.
But wishing doesn’t change reality.
The truth is, owning assets is the dividing line between those who thrive and those stuck running harder on a treadmill that only moves them backward.
This isn’t just about housing affordability—it’s about opportunity.
Real estate in Canada is further out of reach for more people than at any other time in history.
Annual immigration in Canada steadily averages around 500,000 per year.
Meanwhile, the housing supply isn’t keeping up. Higher interest rates have slowed new construction to a crawl. Builders are pulling back because the numbers just don’t work.
So, despite record immigration and overwhelming demand for housing, supply is shrinking.
As the Bank of Canada continues to lower interest rates—making mortgages and credit lines more affordable—it will unleash another wave of demand.
What do you think that will do to prices?
It’s not hard to see where this is heading:
And if you’re not prepared, it’s going to get even harder to get ahead.
We know it feels overwhelming.
But here’s the thing: doing nothing changes nothing.
If you don’t take action, the situation doesn’t get better.
The cost of living will keep climbing. The dream of living life on your terms will feel further and further away.
You’ll be stuck surviving instead of thriving.
And we don’t want that for you.
Living life on your own terms means taking control.
It means recognizing the rules of the game and using them to your advantage.
You already know this. That’s why you joined the Rock Star Inner Circle in the first place. You wanted:
And you still can.
Yes, it’s still possible to live life on your own terms.
Every day, we see Rock Star members making progress despite the obstacles.
In 2024, we’ve watched members:
The common thread?
They took action.
They leaned on the knowledge, resources, and network available through Rock Star. And they didn’t let the challenges hold them back.
You joined the Rock Star Inner Circle for a reason.
That fire inside you to live life on your own terms—it’s still there.
So if you’re ready to take control of your future, we have an amazing offer to help you get back in the game.
This is your chance to rejoin Rock Star and take advantage of everything we offer—before it’s too late.
It’s time to stop surviving and start thriving.
Click below to learn more about how you can rejoin the Rock Star Inner Circle today for $0 enrollment and access exclusive bonuses.
Check out what's in store for January ALONE!
NEW & UPDATED 2025 RSIC MEMBER EXCLUSIVE CLASSES:
Give yourself the best present of all and get ready to receive your favourite Rock Star Red envelope in the mail in January!
That's right, you'll be jumping right back into the Inner Circle mailing list and receiving our January newsletter, and every month after that as well!
Once a year at the end of December, we open up our exclusive VIP Membership group for new members to upgrade to!
This group is reserved for only the Rock Star Members most serious about living life on their own terms! VIP unlocks amazing extra benefits like 6 in-person and 2 online VIP networking events through the year, presentations from Tom, Nick and special guests, one-one-one consultation with Tom & Nick, a private VIP member Telegram & Facebook group for 24/7 support, and the entire archive of VIP class recordings and bonus content, plus many other perks!
By returning to Rock Star by the December 31st deadline, you will also unlock the option to upgrade to the VIP membership if you want to grow to the NEXT LEVEL of living life on your own terms!
AND you'll be able to jump right into the the first in-person VIP Class & Networking Event on January 30th 2025!
If you’ve been paying attention then you know we’re big fans of Bitcoin. We believe Bitcoin and real estate are a beautiful combination of hard assets for thriving over this next decade.
And we know a big barrier to understanding Bitcoin is simply a lack of education on the topic.
That’s why we’re introducing a new regular Rock Star class to educate members on Bitcoin in 2025. This class will happen on a regular basis and will be taught by two Bitcoin Mentors from the Bitcoin Mentor Team.
Not only that, we’ll be hosting Investor Advantage Series Classes through the year and taking deep dives on other Bitcoin topics.
Those classes will be taught by members of Bull Bitcoin (our favourite Bitcoin exchange) and The Bitcoin Mentor (our favourite Bitcoin coaches) teams!
You won’t find this type of access to Bitcoin experts and training anywhere else!
Rock Star has been one of Canada's fastest-growing companies for 15 years straight.
Join us for a live session with the man behind Rock Star's marketing, where we’ll reveal proven marketing tactics to generate more leads, boost conversions, and drive revenue in 2025.
With real-world strategies and live Q&A, this is your chance to gain a competitive edge and take your business to the next level.
The floor is open for you to ask Keith any question you want about digital marketing to grow your own business.
Why learn the hard way when you can save time, energy, and money by learning from Keith, who has over 15 years of direct marketing experience?
And this is just January's Investor Advantage Series... you can expect a deep dive on a new topic relevant to building your life on your terms every month of 2025!
Okay, we’re preparing for the biggest, baddest, Your Life. Your Terms. Event we’ve EVER hosted before this April!
These events keep levelling up and become more of an epic spectacle each time. And now, this event we’re levelling up like never before. This event is going to be a collision of 4 worlds we feel are critical to creating your life on your terms.
Real estate, Economics, Bitcoin, and Business Building.
ALL 4 topics will be covered at this event by expert speakers on each topic, who are flying in from around the world!
We have the leading voice in the entire world on merging real estate development and Bitcoin, flying in from Germany.
We have one of the most famous Bitcoin O.G.s and owner of a top Bitcoin exchange flying in from Costa Rica.
We have the top Bitcoin technology educator in the world flying in from Calgary.
So if you want to learn more about this emerging technology AND build a network in this space, Rock Star is literally the best place in Canada to be!
We have one of the hosts of the top podcast on the Canadian economy flying in to share data and insights on the Canadian economy.
Not to mention we’ll have the real estate side stacked with experts as we always do.
And we will also focus on business building, marketing, and how to build and grow your own cash-flowing asset.
There is NO event like this in the entire world.
It’s a CAN’T-MISS event to learn how to live on your terms and build a strong network!
All of this is what you have to look forward to in January ALONE!
Not to mention receiving your 5 BIG FREE BONUS GIFTS for rejoining the Rock Star Inner Circle!
All of your dreams are 100% possible, that’s the good news.
But first, we want to start with the bad news.
The bad news is that the destruction of the middle class in Canada is a real thing. The gap between income levels in this country and asset prices, like real estate, continue to widen.
The increasing pace of this divide will catch millions of Canadians unprepared.
They’ll wake up one day wondering what happened.
They’ll ask why their pensions, if they’re lucky to even have one, can barely pay for rent and why the value of their RRSPs hasn’t gone up in real terms in decades.
They’ll scratch their heads wondering if the debt taken on for University and College was worth the years of payments.
They will ask why their careers haven’t been able to create the lifestyle that they had envisioned for themselves and their families.
The reason for this is that most Canadians don’t understand how the money system actually works and it’s not something we teach in school.
This missing information causes most Canadians to focus on the short-term, going to school and choosing a career, instead of planning for the long-term, buying or creating good, income producing, assets as soon as they can.
Here’s the core issue...
In Canada, our money system is operated by the Bank of Canada.
The Bank of Canada has a goal, as stated on their website, to ensure the cost of living in the country will increase at a rate of 2% annually.
That sounds more than reasonable doesn’t it?
The problem lies in the execution.
Unfortunately, they don’t do a very good job of ensuring the prices of all things rise at 2% a year.
(The 2022 Consumer Price Index (CPI) in Canada was 6.8% - TRIPLE the Bank of Canada’s target rate. That means goods are getting more and more expensive and your purchasing power of your hard-earned dollars is decreasing)
Things in the economy tend to raise in price at different levels. For example, people’s average incomes tend to rise much closer to a 2% rate than do things like real estate, which has rose in Toronto at over 6.5% annually since 1969.
If your income rises 2% a year, every year, then your salary will double every 35 years.
However, if real estate prices increase just a little bit higher, let’s say 4% a year, then property prices will double every 18 years.
If your income goes up at 2% a year and property prices go up 4% a year, then in the time it took for your income to double, property prices quadrupled.
If property prices increase 6% a year, then they double every 12 years.
In reality?
Toronto real estate prices have appreciated at ~7.4% annually on average for the past 20 years.
Wages did not see the same dramatic increase.
How can Canadians afford to own assets like real estate when their incomes levels are not keeping pace with the price of assets?
And if you don’t own any assets then each year this gap between incomes and assets grows, and it becomes more difficult for you to get into the game.
Unless you’re in an industry with rapidly growing income levels, it’s extremely difficult to keep up with the cost of living, and our education system isn’t helping us.
Please don’t misunderstand; we’re not saying that education and going to university or college isn’t important.
We just believe that we need to explain to our younger generations that selecting a career isn’t the “end point” of their journey into adulthood and financial independence.
It’s merely the beginning.
A good education and then picking up valuable skills in the workplace are the foundation which you can then use to buy or create your own asset base.
If you cherish financial independence and freedom in your life, then to bet solely on your income as the vehicle to deliver that is a losing strategy.
But if you work hard at your career, learn as much as possible, save up and then buy or create assets, the world is yours!
And this brings us back to the good news.
Simply understanding the importance of personally owning good assets is half the battle.
The reason we believe in this approach of owning assets so much is that we’re living proof of it what it can offer all of us.
Over the last ten years, we’ve seen countless Canadians change their financial futures with real estate.
They’ve done it with single-family home rental properties, condo investments, student rentals, smaller multi-unit properties and larger apartment buildings.
They’ve mastered the marketing of their properties, dealt with all the financing hurdles we all end up facing and handled all the unexpected curve balls that owning real estate will present.
Since Rock Star Real Estate was born 15 years ago, we’ve helped thousands of local Canadians benefit from the massive price increase of real estate in Ontario.
We believe that by buying and owning assets like good income producing properties, we can take the rules of the money game as outlined by our Bank of Canada, turn them on their head, and make them work for us instead of against us.
We can create cash flow, build equity, perhaps even earn some good appreciation and even build a lasting family legacy.
And most importantly, as the destruction of the middle class continues we can ensure we’re financially protecting ourselves.
Rejoin the Rock Star Inner Circle and invest in yourself.
Investing in yourself is the best investment you’ll ever make.
The knowledge you learn, the skills you develop and the people you’ll meet in the Rock Star Inner Circle have the potential to change your entire life.
We’re 100% serious about this, we've seen the Rock Star Inner Circle change people’s lives for the better, hundreds of times over.
Take advantage of this offer, get your 5 free gifts, rejoin the Rock Star Inner Circle and kick off your 2025 journey towards living life on your own terms.
