We got our first taste of winter this week in Windsor-Essex.
It made having the Christmas tree up already not feel so crazy (yes — my wife is one of those people who starts decorating on November 1st).
This year, the Christmas tree actually went up before we closed the pool…
Backwards, I know.
I always hold off on closing the pool because it’s my way of trying to hang on to summer.
But then the cold hits, the decorations go up, and suddenly I’m excited for the season I was low-key dreading.
It happens every single year.
And it always reminds me how lucky we are to live somewhere with four seasons — each one bringing something different.
Funny enough… the economy works the same way.
Because the “season” of borrowing and real estate just shifted again.
The big news this week: 50-year mortgages?
This week, Donald Trump posted a teaser about 50-year mortgages in the U.S.
And whether you love or hate the guy, the message is what matters — not the messenger.
Trump’s post from this week. Ignore the politics — pay attention to the trend.
Politics aside — this isn’t about personalities.
It’s about policy direction. And when U.S. mortgage policy shifts, Canada usually follows.
I’ve been saying for years that longer amortizations are coming, here and across North America.
Why?
Because the math of the system almost requires it.
Longer amortizations:
- lower monthly payments
- increase borrowing power
- make housing more “affordable”… on paper
- and historically?
they push real estate prices higher
A 50-year mortgage isn’t a crazy idea.
It’s the logical next step in a debt-based system hitting its limits.
And I’d be shocked if Canada doesn’t adopt some version of it sooner than people think.
The real lesson
When amortizations stretch, it’s not because housing magically got cheaper.
It’s because the currency is losing purchasing power.
So the system adapts by making the debt longer.
Not cheaper — longer.
That’s the trick.
And this is exactly why I always emphasize accumulating deflationary assets — assets that benefit as the dollar loses value.
For me, those include:
- Real estate
- Productive businesses and equities
- Bitcoin
- Gold and silver
- Anything scarce that can’t be printed or manufactured endlessly
- Anything that produces cash flow
These are the assets that rise as the currency falls.
They’re also the assets that quietly build wealth while everyone else feels squeezed.
The game continues
Most people will look at 50-year mortgages and think:
“Finally — a break.”
But the investor mindset sees the deeper signal:
“The system is shifting again. Time to position accordingly.”
That’s the new game.
And it’s happening in real time.
What to do now
Whether you’re:
- buying your first home,
- upgrading your family house,
- restructuring debt, or
- building a portfolio of income-producing properties…
…this environment rewards those who think ahead, not those who cling to the old rules.
If you want to talk strategy — for your own mortgage or investment plan — I’m here.
Talk soon,
— Vince
P.S.
A 50-year mortgage isn’t the shock.
The real shock is that this is becoming normal.
And the people who understand what it means — and position themselves early — are the ones who will thrive in the next season.
