lack of real financial intelligence out there. I have spent over 30 years in Technical Sales in both Canada and the USA. I now teach Automation Technology at a community college. I also teach a gen ed Business course. I started doing financial research 10 years ago when I realized I'd have to die 2 years after I retire so that my retirement money wouldn't run out. I had an RRSP for 15 years and it had made a total return of roughly 1.75% over that time. So much for "Professionally" managed RRSPs. I now manage my own and it grows at a rate far better than my Professionally managed one. That one grows better now too since I've learned more. Outside of school, I Teach 2 courses, one called Baby Steps 2 Wealth and one called DIY Wealth. I also run a property management and maintenance company, which looks after my rental properties and other small investors properties. I have just opended Home Buyers Coach. I help home buyers get a good deal on homes.