About
Hi, we're Christina and Stef.
Mortgage strategists. Smith Manoeuvre Certified. Writing about the strategies most Canadians don't hear about from their bank.
Most mortgage advice in Canada follows the same script: pay off your mortgage first, then invest. That old rulebook delays wealth-building by decades and leaves massive tax advantages on the table. If you own a home and pay a lot in tax, there's a smarter way — and it starts with rethinking what your debt is actually for.
The work
What you'll find here
Posts on advanced strategies that turn a mortgage from a monthly expense into a wealth-building engine. The Smith Manoeuvre, Rental Cash Damming, tax-efficient debt restructuring, and the mechanics behind each. How they work, when they fit, when they don't, and what the math looks like when they actually pay off.
The reader
Who it's for
Time-strapped Canadian professionals in higher tax brackets who suspect there's more to their mortgage than their bank has told them. No finance background needed. We write the way we'd explain it to a client across the kitchen table.
The name
Why "In Debt On Purpose"
Because good debt, used deliberately, is one of the most powerful wealth-building tools a Canadian homeowner has. The problem isn't debt itself — it's the reflex to pay it all off as fast as possible. In Debt On Purpose flips that thinking: some debt, used strategically, is exactly how you build wealth.
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