Hey there,
It's been awhile since we touched base. We hope you're doing well!
2023 has been a tough year for many people.
With inflation everywhere we look, it's been a main conversation point between Canadians.
EVERYONE is feeling it right now.
The costs of living are up across the board... housing, rent, mortgage payments, food, gas, day care, labour, materials, services, good, clothing, insurance, taxes, everything.
It's getting harder and harder to get ahead these days.
We've talked about the destruction of the middle class for over a decade now at Rock Star.
And it's happening in real-time before our eyes right now.
In fact, the destruction of the middle class is accelerating faster than ever before.
Like it or not (and we don't like it), Canada is turning into a society of the haves and have nots.
The haves, benefit from inflation, as the price of their assets inflate faster or on pace with everything else.
And the have nots, get decimated by inflation, as they don't have assets to keep pace with the cost of everything else going up.
It's the number one dividing factor between the people who we work with that are living life on their own terms.
Those who own assets keep coming out on top.
And those who don't are caught in a forever struggle that gets worse and worse.
Running harder and harder on the treadmill to only fall further and further behind.
It's sad, but true.
Trust us, we wish things weren't set up this way.
We wish wages would keep up with inflation, because that would level the playing field.
We wish taxes wouldn't increase every year.
We wish homes were more affordable in Canada and we weren't in a housing crisis.
But the gap between wages and assets like Canadian real estate keeps getting wider and wider.
In fact, Canadian real estate is further out of reach for more Canadians than it EVER has been in history.
Over 1 million immigrants entered Canada in 2022.
2023 looks like it will end up being about 500,000 new immigrants.
And don't forget about all the years of super high immigration PRIOR to 2022.
All these years of astronomical immigration levels have completed swallowed up the housing supply.
And guess what?
It's not slowing down anytime soon.
The federal government immigration targets (which we overshoot every year) for 2024, 2025, and 2026 is 500,000 new people EACH year.
So even though interest rates in Canada were raised significantly through 2022 and 2023... Which should have a HUGE effect on the housing market... There's still SO much demand for housing that prices haven't been severely impacted.
However, higher interest rates have caused new construction of houses to PLUMMET.
Builders just can't afford to build new homes at the higher interest rates and costlier construction loans.
So this housing crisis is getting WORSE by the day.
Stack that on top of the inflation of EVERYTHING, and no wonder it feels harder than it ever has before to get ahead.
But here's the kicker.
We don't think inflation is going to stop anytime soon either…
Sure, year over year inflation has been decreasing from it's highs in 2022.
But that doesn't mean prices are going to come down... it just means they're not increasing as fast now.
The cost of everything has now been elevated forever... prices won't fall from here, they just might not increase as fast as they have been.
And even if year-over-year inflation continues to decrease, that is the stated cue for the Bank of Canada to lower interest rates.
That will relieve the costs of mortgages and lines of credit for many Canadians, including us investors!
Phew, finally some good news, right??
Except lower rates will also makes housing more affordable for everyone again.
Housing that's already in extremely SHORT supply.
What do you think that’s going do to house prices?
It will be like throwing gasoline on a pile of dry tinder and lighting it.
It will be good news for real estate investors, but bad news for the average Canadian.
Plus lower interest rates means cheap money will inevitably push up the cost of everything again.
Yikes!
The situation is starting to look a little dismal for the average Canadian...
So what's a guy or gal to do in Canada to get ahead these days?
Well you know that if you don't change what you're doing now, then your circumstances aren't going to change either.
In fact, things will likely continue to get harder for you.
Forget living life on your own terms.
You'll be too busy surviving.
And we don't want that for you.
Living life on your own terms is about THRIVING.
Not surviving.
As crappy as the situation may feel like in Canada right now, knowing the rules of the game allows you to play it to your own advantage.
We know you know all this already.
In fact, you joined rock star before because you wanted an information advantage, and a POWERFUL network of experienced action-takers to help you navigate this mess.
And most importantly, help you achieve what you truly want - to live life on YOUR own terms.
Well...
Guess what?
It's still possible.
Yes, living life on your own terms is 100% possible.
We see it EVERY DAY at Rock Star.
Despite all the obstacles investors faced in 2023, MANY rock star members used the information gained from Rock Star to make progress toward living life on their own terms.
These Rock Stars found deals that cash flow, created joint ventures, snatched up great buying opportunities, discovered new places to invest, saved money, and leveraged the Rock Star network and education to it's fullest.
In 2023 alone, we've seen Rock Star investors purchase cottages and vacation homes, travel to amazing destinations with friends and family, start and grow their businesses, help family with school and medical bills, purchase properties for their children, retire early, boost their income, and raise their net worth.
And the one common thread amongst all these people?
They all credit the real estate portfolios they've built to providing them the financial means of achieving their dreams.
Look, you signed up as a Rock Star Inner Circle Member for a reason.
You wanted to live life on your own terms.
And we'd bet that FIRE to live life on your own terms is still burning bright inside of you.
So if you still recognize that you’ve only got ONE life to live…
And you want to live it on YOUR OWN terms…
And you're tired of life getting HARDER instead of EASIER...
We've got an AMAZING offer for you to get back into the game!
This is your BEST opportunity to rejoin Rock Star, and live life on YOUR own terms... Before it's too late!
Check out what's in store for January ALONE!
NEW & UPDATED 2024 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 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 30th 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 25th 2024!
The Rock Star Inner Circle now has an exclusive relationship with Bull Bitcoin!
The best Bitcoin-only exchange and services company in Canada, by far.
The Bull Bitcoin team has offered to present FOUR virtual classes on different topics for Rock Star Members in 2023, starting in January!
On January 17, we're hosting a live call with Tom, Nick and a special mystery guest.
This is your opportunity to jump on a call with Tom & Nick and ask them any question you want directly!
Real estate strategy, interest rate predictions, personal finance, life insurance, Bitcoin, personal development, whatever you want!
The floor is open for you to leverage Tom & Nick's DECADES of investing and entrepreneurship experience!
Why learn the hard way when you can save time, energy and money by getting direct feedback from two real estate investing experts?
All of this is what you have to look forward to in January ALONE!
Not to mention receiving your 4 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 7.72% annually on average for the past 14 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 2024 journey towards living life on your own terms.
