Why Elite Professionals are Failing the Science of Keeping Wealth
In this episode, Senior Wealth Strategist Sunny Kochar sits down with Adam Finch, a Project Scheduling Specialist and Real Estate Investor, to discuss the “Baby Boomer Exodus” from the construction industry and the rising tide of AI. Adam shares his “Kinetic Wealth” journey, moving from a licensed carpenter to owning a multi-property portfolio that funds his lifestyle. Learn why the “Save and Wait” model is dead and how to apply an Engineering Mindset to your personal economy to retire 3x faster. We dive into the “Five Fs” of fulfillment and the critical importance of “Money Velocity” in a high-tax environment.
The “Big Domino”: Why Your High-Demand Skill is Not Your Security
Most high-earners are winning the ‘Income Game’ but losing the ‘Science of Keeping It.’ Whether you are a PhD or a Master Tradesperson, relying on a single-income stream leaves you one corporate restructuring away from the ‘Income Cliff.’
What You Will Learn
[08:00] The 91% Paradox: Why elite professionals are “Income Rich” but “Structure Poor.”
[17:00] Kinetic vs. Static Wealth: Moving money from “Dead Equity” in your drywall into a self-funding machine.
[25:00] The Baby Boomer Exodus: How the skilled trades shortage and AI are shifting the Canadian economy.
[32:00] Money Velocity: Why money must stay in motion to create true fulfillment.
[41:00] The 5 Fs: Auditing your life for Faith, Family, Fitness, and Fun—not just Finance.
Reference the Money Compass Framework discussed in this episode to see how Adam Finch applied construction logic to personal wealth.
Disclaimer: This content is for educational purposes only and does not constitute financial, tax, or legal advice. Strategies discussed involve risk and may not be suitable for everyone. Insurance products and Segregated Funds are provided through Carte Risk Management Inc. Consult with a qualified professional before making decisions.
This is my official first regularly scheduled show. For the uninitiated, this is a show where I play music that emulates the experience of listening to my library on shuffle.
I’ve got 12 songs from 12 countries this time—had to do one where everything was from a different country, and why not get it out of my system right away? (I guess I’ll have to do a show with songs from all different decades at some point, too.) Unintentionally, I’ve got a lot of warm countries to contrast with this cold, cold week we’ve had. Hopefully I can warm you up a little. Hopefully I can warm myself up a little.
The picture is of Rubén González in Wim Wenders’ documentary Buena Vista Social Club, which I watched last night. Loved this scene of all these children excitedly gathering around him playing piano in a sort of communal area. Music for the people.
A very colourful episode for you tonight, perhaps to remind you that despite the dreary January blues, there still is and will be a lot of colour in the world! Enjoy the colour spectrum of tunes tonight 🙂
What’s up, y’all? First up, as always, here is what I’ve added to Libretime since last week:
Nathan Yell
Vista – Single
Ambient
CanCon
JusJrdn + Babbage
Atmosphere – Single
Hip Hop
CanCon
Blue Moon Marquee & Northern Cree
Get Your Feathers Ready
Blues
CanCon
AUBURN with Liz Lenten
Behind the Scenes
Folk
No
Sweet Virginia
Sweet Virginia
Folk
No
Tyson Ray Borsboom
Marley & Me – Single
Folk
CanCon
Liz Barnez
Wholehearted
Folk
No
The Charlie Stevens Band
Circles Round the Sun
Folk
No
The Grocery Story
The Grocery Story
Folk
No
Johnny Beachit
The Post Holiday Blues – Single
Country
No
Johnny Beachit
Christmas is Over, Again – Single
Country
No
Chick Boyd
Necropolis Resurrection
Pop
Released in 1994/NSFR
CanCon
Melo
Devil’s Feet – Single
Pop
CanCon
Babaux and the Peacemakers
Keep Your Hands on the Wheel
Blues
No
Victoria McDougall
Commonwealth – Single
Country
CanCon
Ilhan Ersahin
Instanbul Sessions: Mahalle
World
No
Mike Van Eyes Big Band
Ain’t That Loving You, Baby – Single
Blues
CanCon
East of Nowhere
Still Young and Cool – EP
Rock
CanCon
Bellbird
The Call
Jazz
CanCon
Yvan Sheremetieff
The Interpretation of Voices, Vol. 1
Experimental
CanCon
Stereo_IMG
Under the Knife
Electronic
CanCon
Karl Escape
Songs About Nothing
Punk
CanCon
The Legal Matters
Lost at Sea
Rock
No
City of Dawn & Eddy Ruyter
Silfira
Ambient
No
Otheose
Dukkha – Single
Electronic
Full version and radio edit are available
CanCon
Catrin Finch
Notes to Self
Classical
No
Mighty Sampson
Sunshowers
Hip Hop
CanCon
Chellz
Me Encanta
Latin
CanCon
Kon-Fusion
Tinku – Single
Rock
CanCon
Less Toches
Un Guaro a Lafontaine
Latin
CanCon
WAAN
WE WANT WAAN
Jazz
No
Signee Florence
Signee Florence
Pop
CanCon
Josh Odair
Against the Ropes – Single
Rock
CanCon
5th PROJEKT
Oblivion – Single
Rock
CanCon
Johnny Beachit
The Day Only Goes Downhill From Here – Single
Country
No
Matt Greenwood
Daybreak
Jazz
No
Adam Berry
Do You Care? – Single
Pop
No
Paolo di Carlo
Songs for Weirdos: Volume 3
Rock
CanCon
Sadie Fine
3AM – Single
Pop
No
Here is tonight’s Horizon Broadening Hour:
Tracklist:
Nathan Yell – Vista
City of Dawn & Eddy Ruyter – Sun-Kissed Sea
Yvan Sheremetieff – Horniman Garden Playground
WAAN – Talking Trees
Bellbird – Soft Animal
Matt Garrity – 376A
Matt Greenwood – Paper Planes
Sadie Fine – 3AM
Adam Berry – Do You Care
Otheose – Dukkha
Caput Medusae – Schwarzschild
Melo – Devil’s Feet
Signee Florence – DDTEW (Different Date To Every Wedding)
JusJrdn + Babbage – Atmosphere
Mighty Sampson – Sunshowers
Liz Barnez – Snow on the Bayou
AUBURN with Liz Lenten – Lie as Easy as You Breathe
Blue Moon Marquee & Northern Cree – Dirt Road Blues
Victoria McDougall – Commonwealth
Johnny Beachit – The Day Only Goes Downhill From Here
Sweet Virginia – Redman
Tyson Ray Borsboom – Marley & Me
The Grocery Story – Situation on Aisle #3
Mike Van Eyes Big Band – Ain’t That Loving You, Baby
Matthew Holtby – Pretending
East of Nowhere – Green Grass
Josh Odair – Against the Ropes
Paolo Di Carlo – The Pane
Karl Escape – Emily Stormdrain
Remy Verreault – Let Go of the Meddling
Octavium – Anticipate (Radio Edit)
Taking you through the static, through your dreams, through the galaxy, and beyond to bring you a slate of tunes that will carry you through a long winter’s night.
dan kellar
Kitchener, ON – A new tool for assessing how levels of various services differ between neighbourhoods across Waterloo Region has launched by the One Million Neighbours WR coalition. The first version of its Neighbourhood Services Map ranks each neighbourhood for access levels based on availability of transit, amount of green space, number of schools, libraries, and healthcare infrastructure, and how many community spaces exist.
A key feature of the map is that the calculations account for population, and as the number of residents that call Waterloo Region home grows to over 1,000,000 in the coming decades, keeping track of the equity of resource distribution across communities as they grow will be key to understanding a neighbourhood’s needs.
This show features an interview with KW local Sam Nabi, the project coordinator of One Million Neighbours W, and a board member of Hold the Line WR. The map was created with open source data by Civic Tech WR volunteers who will update the data on the map “at least annually”. You can access the map from Connected KW‘s webpage.
In the studio with Elias-TTS Media- and JJ Cali. For videography and media needs. TTSMedia.inc & JJcali.lugo on IG. They present their songs: Humo, Never lloraste por mi and Frescito. And the snow melted near the radio station from their energy in the middle of the winter.
We hear Omah Lay-Understand-and Joeboy: Sip (Alchohol) THEN: Evidence of Eve – who creates handsewn clothing, accessories, and prints. Celebrate Nigeria @evidenceofeve on IG. Eve shares creative stories and inspire us to show up. We listen to Ayra Starr, Commas; Joeboy, Body and Soul, and Libianca, People.
What’s up, y’all? As always, first up, here is what I’ve added to Libretime since last week:
Steve Berndt
Heart of Hearts
Jazz
CanCon
Octavium
Anticipate – Single
Metal
CanCon
Carina
Unapologetically It – Single
Pop
CanCon
Buzz Hummer
Blown By That Wind – Single
Folk
CanCon
Jackson Reed and the Silverbirds
Live in ’25 – EP
Rock
CanCon
Jackson Reed and the Silverbirds
Little Red Corvette b/w Detroit Medley – Single
Rock
CanCon
The McDades
PEGGY-O – Single
Folk
CanCon
Brodie McAllister’s Wattle
Jazz in Meanjin 021 – Live at KPEK
Jazz
No
Satellite Birdhouse
The Big Reveal – Single
Folk
CanCon
kpec3 arrival
Beyond the Skies – Single
Rock
No
Dave Soroka
Tastie Treat
Folk
CanCon
Genevieve Racette
Golden (Deluxe)
Folk
CanCon
Michael J. Moore
Chapter 3 – EP
Folk
CanCon
Thalia Gunawan
Kamu yang dibangku depan – Single
Pop / World
No
Hewson Grey
Live in Cold Lake
Rock
CanCon
Hewson Grey
Refleck
Rock
CanCon
Black Eye Butterfly
I Am An Antenna – Single
Rock
CanCon
Ritch Mitchell
Outrun Your Past – Single
Rock
CanCon
Quiet Resonance
Pathways
Ambient
No
John McNeill & Tom Harrell
Look to the Sky
Jazz
No
The New Gypsies featuring Vic Juris
The New Gypsies featuring Vic Juris
Jazz
No
Matt Harrity
Suits and Scotches
Jazz
No
Dave Pietro
The Butterfly Effect
Jazz
No
Larry Willis
Just in Time
Jazz
No
Tommy Andersson
Shimmering Blue
Jazz
No
Dave Friedman & Tony Miceli
Glow
Jazz
No
Kevin Hays
Ugly Beauty
Jazz
No
John Hart
New Mantra
Jazz
No
Kirk Knuffke
Brother
Jazz
No
Rev Dave and the Sin Eaters
Clouds Like Buffalo
Country
CanCon
Remy Verreault
Throwing Daggers in the Dark
Rock
CanCon
SeaDaisy
Got Hit – Single
Rock
CanCon
SeaDaisy
Mountain – Single
Rock
CanCon
Bad Bad Joel
Burning Building – Single
Electronic
Extended and Radio Edit versions available
CanCon
The Golden Age of Wrestling
Sweet Chin Music
Electronic
CanCon
Kye Alfred Hillig
Ezekiel Bobbing for Apples – Single
Country
No
Joel Miller
What If?
Classical
CanCon
Soul Howe and the Swells
Life Rolls On – Single
Pop
CanCon
Abstract Butta Fingas
Definitive Outwhere Recognisance
Electronic
No
Various Artists
LY003: Weaving
World
Partial CanCon
The Cross Sea
The Cross Sea
Folk
CanCon
Matthew Holtby
Pretending – Single
Rock
CanCon
Inlaid
Fear of Your Dreams – Single
Metal
CanCon
Inlaid
My Own – Single
Metal
CanCon
Inlaid
My Way – Single
Metal
CanCon
Inlaid
Nemesis – Single
Metal
CanCon
Inlaid
Never Forget – Single
Metal
CanCon
Inlaid
Salem’s Curse – Single
Metal
CanCon
Here is tonight’s Horizon Broadening Hour:
Tracklist:
Quiet Resonance – Valley
Joel Miller – Dew Drop In
Steve Berndt – Blue Skies on Mars
Brodie McAllister’s Wattle – Blappin
John McNeil & Tom Harrell – Unit 7
The New Gypsies featuring Vic Juris – Mystrieuse
Sam Wilkes – Stay Home
The Golden Age of Wrestling – ditching you to go have sex with your dad at kfc was toxic and i am so sorry
Bad Bad Joel – Burning Building (Extended Mix) [feat. Louise]
Abstract Butta Fingas – To Fall In Love
Carina – Unapologetically It
Soul Howe and the Swells – Life Rolls On
Thalia Gunawan – Kamu Yang Dibangku Depan
Luyos MaryCarl – An Eagle’s Flight
Dave Soroka – Baby’s Weird
Michael J. Moore – That Summer Night in Boston
Buzz Hummer – Blown By That Wind
Satellite Birdhouse – The Big Reveal
Genevieve Racette – Come As You Are
Kye Alfred Hillig – Ezekiel Bobbing for Apples
Rev Dave and the Sin Eaters – Jonah Got a Scooter
The Cross Sea – The Midwest
SeaDaisy – Got Hit
Madeline Doornaert – Black Crows
Ritch Mitchell – Outrun Your Past
Hewson Grey – Small Town
Black Eye Butterfly – I Am An Antenna
Kpec3 arrival – Beyond the Skies
Greystone Canyon – Immigrant Song
Jackson Reed and the Silverbirds – Do You Feel The Way I Do
HYOS: Shuffle Time is a show where you get the experience of listening on shuffle without the chaos.
I love listening to my library on shuffle. It gives me the chance to surprise myself with tracks I’d forgotten about, get more familiar with tracks I haven’t heard much, and spontaneously meet my old favourites again. Plus, I still get a kick from the whiplash of jumping from quiet folk to ecstatic dance music to abstract jazz. I won’t subject you to the complete disorder of shuffle, but I can give you a taste (with some of my own chatter on the side!). Expect music from any genre, any time period, anywhere in the world.
Recording
Pardon some technical hiccups and such—first show, still figuring some things out. Altogether not a bad first show!
Tracks played
In true shuffle nature I recommend looking at this after listening, so you can be surprised by the music itself and check it out later. But it’s up to you!
The Sugarcubes — “Motorcrash” (1988)
Étoile de Dakar — “Thiely” (1978)
INXS — “New Sensation” (1987)
Power Trip — “Executioner’s Tax” (2017)
X — “Alphabetland” (2020)
Masashi Hamauzu — “Blitz Off!” (2000)
Jamie xx — “Sleep Sound” (2015)
Antonio Vivaldi (cond. Trevor Pinnock, perf. The English Concert) — “Presto” (from Concerto No. 2 in G minor, Op. 8, RV 315, “Summer”) (1725)
Sonny Rollins — “Strode Rode” (1956)
Loona — “Loonatic” (2017)
Donnie Trumpet & the Social Experiment (feat. Jamila Woods) — “Sunday Candy” (2015)
William Finn (perf. Keith Byron Kirk, Malcolm Gets, and company) — “Heart and Music” (1995)
R. D. Burman (perf. Asha Bhosle) — “Teri Meri Yaari Badi Purani” (1974)
The Monroe Brothers — “My Long Journey Home” (1936)
Pete Townshend — “And I Moved” (1980)
John Lee Hooker — “Boom Boom” (1962)
Mamer — “Kargashai” (2009)
HYOS: Shuffle Time was hosted by Aaron Cornies and aired on CKMS-FM on Saturday 10 January 2025 from Midnight to 1:00am.
Welcome to 2026 one and all! Bringing you a playlist that will welcome the New Year, whatever it means to you, and also reflect on the past. Thanks for listening!
What’s up, y’all? Happy new years to those of you that I have not wished it to yet! New year, same old traditions — first up, here is what I added to Libretime in the last week:
Mad Wet Sea
Ash and Ruin – Single
Metal
CanCon
bennix
fairfax – Single
Pop
No
Carter C. Carter
I Miss the Hurt – Single
Pop
No
Thee Soreheads
I’m Not Your Fucking Sex Doll – EP
Punk
CanCon
BellaADonna
Say My Name – Single
Pop
No
Sandra Lamb
Thank You Lord – Single
Religious
No
Okleland
U-Turn – Single
Pop
CanCon
Caroline Parke
The Worst Part of the Year – Single
Folk
CanCon
Caput Medusae
Schwarzchild – Single
Rock
No
Madeline Doornaert
Black Crows – Single
Rock
CanCon
Here is tonight’s Horizon Broadening Hour:
Tracklist:
The Will Barnes Quartet – The Longest Day
The Necks – Causeway
Okleland – U-Turn
Carter C. Carter – I Miss The Hurt
Benni x – Fairfax
BellaADonna – Say My Name
J Anders – Save Me
Jeremy Voltz – Feel It All
Hannah Acfield – Dreamer
Sandra Lamb – Thank You Lord
Caroline Parke – The Worst Part of the Year
Tyson Ray Borsboom – Learning Slow
Dylan White – Some Kids
Adam Franklin – Plans
Scarlett Butler – Bridges
The Cross Sea – Just Like Adrianne
Monique Hunsley – Crying in the Rain
The Barr Brothers – Another Tangerine
Thee Soreheads – I’m Not Your F***ing Sex Doll
Mad Wet Sea – Ash and Ruin
Scheitan – Love n Death
Pythonic – Pills
Thunderor – Pump Up the Volume
The Spuds Mackenzies – Pink Pony Club
The Commoners – Just Watch Me