Investing and personal finance educational videos with a hint of economics, posted regularly. I'm a CFA charterholder and CFP professional working as an analyst for an investment management company in Ottawa. I'm a huge finance nerd and am passionate about the field - I think people lack the resources they need to make educated financial decisions, and hopefully this channel helps with that! For collaboration/other inquiries: richard@theplainbagel.com For sponsorships: sponsorships@theplainbagel.com DISCLAIMER: The videos on this channel are for education purposes only and do not constitute fi
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16:1244K views · today · 16:12
Canada just released its 2026 budget, and it's a doozy. Let's go over the details.
Topics: Budget Overview · Industry Investments · Mega Deduction · Capital Gains Exemptions · Canada Creative Credit · Affordability Measures
17:501.1M views · 16d ago · 17:50
Anthropic's prospectus went public this week - let's go through what's inside.
Topics: Founder Letter · Capital Structure · Operations · The Finances · Off-Balance Sheet Commitments · The Risks
13:26297K views · 22d ago · 13:26
Alberta just had its independence referendum - today, we'll discuss the results, and what it means for Alberta, Canada, and Quebec.
18:32741K views · 1mo ago · 18:32
Most everyone seems to believe that AI is in a bubble, and the S&P 500 is overvalued...but are they really? Today, we dive into what some popular gauges are actually telling us.
23:09758K views · 1mo ago · 23:09
Guest: Doomsday Doomscrolling
Thank you @gatortoday for finding several of these! My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.
22:32558K views · 2mo ago · 22:32
Disclosure: Richard has ETF exposure to all the companies mentioned in the video, and directly owns shares of Alphabet, Meta and Microsoft. Link to spreadsheet Headlines have been circulating about AI's hidden debt problem - how bad is it really? We dive into the numbers in today's video.
Topics: Big Tech's Balance Sheet · Categories of Off-Balance Sheet Items · Non-Cancelable Contractual Commitments · Funding/Construction Commitments · Uncommenced Leases · Financial Backstops/Guarantees
17:03452K views · 2mo ago · 17:03
Video on 50% US Tariffs (Section 338) Following weeks of negotiations, trade talks abruptly fell apart between Canada and the US last week. Today's video breaks down what happened, and what it means for the two countries.
▶️ Mentioned videos: Video on 50 US Tariffs (Section 338)
24:15655K views · 3mo ago · 24:15
Canada's condo market has experienced a record-breaking downturn. Today, we dive into what's driving the sell off, and what it means for the market.
Topics: Context · Regional Issues · Factor: Population Decline · Factor: Interest Rates · Factor: Economic Slowdown · The Condo Factor
18:48173K views · 3mo ago · 18:48
Trump has announced two new sets of tariffs - 50% Section 338 tariffs, and 10%-12.5% Section 301 tariffs. Today, we explain the implications.
Topics: Context · Section 338 Tariffs · Canada's Trade Discriminations · Scope of 50% Tariff · Counterarguments · Section 301 Tariffs
23:17276K views · 4mo ago · 23:17
Voidzilla video WSJ Article Politico Article Research Paper Whistleblower/complaint links US SEC Canada British Columbia Ontario Alberta Quebec Saskatchewan Manitoba Nova Scotia New Brunswick Newfoundland
Topics: Polymarket Scandal · Research Paper · How is this Legal? · Penalties · What Can Be Done
▶️ Mentioned videos: Original investigation into YouTube stock promotions · Voidzilla video
📄 Mentioned papers: Research Paper
📰 Mentioned news: WSJ Article · Politico Article
20:42195K views · 4mo ago · 20:42
A post about Canada's exit tax went viral on X recently - today, we clear up some misinformation and clarify how the tax actually works.
Topics: Exit Tax Basics · Exemptions · Why the Tax Exists · How High the Rates Reach · Impact on Corporations · The LCGE
22:07390K views · 5mo ago · 22:07
SpaceX IPOs today, and Anthropic/OpenAI are looking to go public in the near term. Today we discuss the trend, what it means for markets, and how it balances against fears of an AI bubble.
Topics: SpaceX Overview · IPO Details · Insane Valuation · The Wild Prospectus · The Retail Push · Other IPOs (Anthropic and OpenAI)
19:26198K views · 5mo ago · 19:26
Dead on the Money Podcast Episode ChatGPT announced this week that it would allow users to connect their bank/investment accounts to the platform to receive AI advice for their finances - today we dive into the implications.
Topics: ChatGPT Announcement · The Pros · Advice Concerns · Regulatory Ambiguity · Considerations for Using AI Advisors · Will AI Replace Advisors?
▶️ Mentioned videos: Dead on the Money Podcast Episode
17:53159K views · 6mo ago · 17:53
Prime Minister Mark Carney recently announced that Canada was getting a new sovereign wealth fund, and that individual Canadians will be able to invest in it. Today we'll dive into the details, and what it means for Canadians.
23:22366K views · 6mo ago · 23:22
My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.
27:30366K views · 6mo ago · 27:30
Topics: Prediction Market Background · Prediction Market problems · The Gamblification of Everything
3:36
20:05307K views · 7mo ago · 20:05
Guest: Private Credit Panic
Why People Hate Private Equity Private credit has been capturing headlines lately, with companies going bankrupt, funds gating investor withdrawals, and claims that we're headed towards another 2008 financial crisis. Today we cover what we know about the situation.
▶️ Mentioned videos: Why People Hate Private Equity
14:46449K views · 8mo ago · 14:46
The Impact of War on Markets and the Economy On February 28th, the US and Israel launched a massive military operation in Iran aimed to hamstringing the countries military aspirations, and seemingly to bring about a complete regime change. Today, we dive into why economists are bracing for an impact.
Topics: Iran Primer · Iran’s Oil · The Strait of Hormuz · Global Economic Impacts · How This Impacts the US? · What About Stocks?
▶️ Mentioned videos: The Impact of War on Markets and the Economy
15:21106K views · 8mo ago · 15:21
Guest: Trump's Tariffs Deemed Illegal
The US Supreme Court has ruled that Trump's IEEPA tariffs are illegal - let's dive into what this means and how else Turmp may pursue tariffs. News Theme 1 by Audionautix is licensed under a Creative Commons Attribution 4.0 license.
Topics: The Supreme Court Ruling · What Tariffs Are Impacted? · What About Refunds? · The Implications · Section 122 Tariffs · Trump's Tariff Options
18:46197K views · 9mo ago · 18:46
There's been a growing movement calling for Alberta to separate from the rest of Canada. Today, we debunk some of the misinformation driving the call for secession, and some of the valid gripes the province has.
Topics: Primer on Alberta · Albertan Separatism · Transfer Payments · Canada Pension Plan · The Fiscal Upside · What's Missing
18:04226K views · 9mo ago · 18:04
Last week, we saw Canada and China enter a new trade deal, thawing what's been a icy relationship between the two countries. Today we'll cover what's in the deal, and what it means for Canada and its relationship with the US for trade.
Topics: Canada and China Background · The Trade Deal · Other Agreements · Why China? · Controversy · Final Thoughts
17:54201K views · 10mo ago · 17:54
Last weekend, the US captured Venezuelan dictator Nicolas Maduro and made moves to secure the country's oil. Today we'll discuss the feasibility of building out Venezuela's oil industry, and the risk it poses to Canada as a key oil supplier to the US.
18:59156K views · 10mo ago · 18:59
2025 has been a crazy year - let's unwind with the annual finance rewind and review what these past 12 months meant for markets and the world economy.
23:31296K views · 11mo ago · 23:31
My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager. Cover call video
▶️ Mentioned videos: Cover call video
20:01260K views · 11mo ago · 20:01
Richard does not hold a position in JPM, MSTR or any other bitcoin treasury companies. With bitcoin's price down, bitcoin treasury companies have been pummeled - now investors are blaming JP Morgan. Today we dive into what's happening.
Topics: Why bitcoin’s price has fallen · The decline of treasury companies · Is Strategy about to collapse? · The JPMorgan conspiracy · Debunking the claims
1:02:50
22:231.2M views · 1y ago · 22:23
Everyone believes we're in a bubble...so why are companies still spending hundreds of billions on the space? We lay things out in today's video.
17:54218K views · 1y ago · 17:54
Gold's price has been skyrocketing, with murmurings of a great "debasement trade" driving returns. Today we'll dive into what's driving performance, and the overall trends around gold.
Topics: Why Investors Buy Gold · Why Gold's Rallying · The Debasement Trade · Considerations · Gold's Questionable Price Stability
29:20837K views · 1y ago · 29:20
My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager. Cover call video
▶️ Mentioned videos: Cover call video
15:28161K views · 1y ago · 15:28
Despite economists warning on the negative impact of tariffs, the US has been reporting stronger-than-expected GDP growth, record tariff revenue, and trillions of inbound investment commitments. Let's dive into whether tariffs are actually improving the US economy.
Topics: The Origin of 2% Inflation · Argument for 2% · Why Not Deflation? · Costs and Considerations · Why the Target Won't Change
17:56473K views · 1y ago · 17:56
Despite economists warning on the negative impact of tariffs, the US has been reporting stronger-than-expected GDP growth, record tariff revenue, and trillions of inbound investment commitments. Let's dive into whether tariffs are actually improving the US economy.
Topics: Why Economists Disagree · Where’s the inflation? · Are Tariffs Deflationary? · What About Manufacturing? · New Investments in the US · Why is GDP Growing?
7:5192K views · 1y ago · 7:51
Found a video of me trying to scam my viewers.
9:56116K views · 1y ago · 9:56
Video of Jerome Powell Jackson Hole speech Speech Transcript Video on the impact rates cuts have on stocks Video on the Petrodollar Agreement This past Friday we had rumours circulate that Federal Reserve Chair Jerome Powell had abandoned the bank's 2% inflation target. Today, we dive into what ACTUALLY happened at the Jackson Hole address.
▶️ Mentioned videos: Video of Jerome Powell Jackson Hole speech · Video on the impact rates cuts have on stocks · Video on the Petrodollar Agreement
16:11244K views · 1y ago · 16:11
Richard does not hold a position in MSTR or any other bitcoin treasury companies. Bitcoin treasuries have become a popular strategy for companies thanks to Michael Saylor and his firm Strategy (formerly MicroStrategy). Let's dive into how this idea has taken off, and what it means for bitcoin.
13:17183K views · 1y ago · 13:17
On Thursday we got the news that Canada would be seeing its tariff rate increase to 35% after failing to reach a new agreement with the US. Today we'll discuss what it means for Canada's economy, and why the tariff rates ACTUALLY being paid are far from this amount.
Topics: The Latest Tariff Update · The CUSMA Exemption · Effective Tariff Rates · The (Still) Negative Impact of Tariffs · Where Canada Goes From Here
10:42178K views · 1y ago · 10:42
On Sunday the US and EU announced a trade deal, subverting a massive trade war - let's go over the details of the agreement.
14:38137K views · 1y ago · 14:38
Guest: America's Crypto Regulation
With Crypto Week having drawn to a close, let's take some time to go through the laws that have passed, and what's trying to be passed - we'll go over the Genius Act, Clarity Act, and Anti-CBDC Act.
16:37200K views · 1y ago · 16:37
NOTE: Richard does not hold any position (long or short) in Robinhood. Robinhood recently launched a new tokenized stock offering for private companies SpaceX and OpenAI...without the companies' approval. Today we dive into how the tokens work, the risks faced by investors, and implications for the broader finance industry.
14:43290K views · 1y ago · 14:43
War has sadly become increasingly topical, leading some to speculate how geopolitical events may impact markets. Today's video will look historically to see how warfare typically impacts investments and the economy.
Topics: How War Affects GDP · Impact on Countries Outside the US · Other Consequences of War · Spill-Over Effect · What About Stocks?
16:01323K views · 1y ago · 16:01
Hidden in the US "Big Beautiful Bill" is a meaningful tax proposal (Section 899) that will have a meaningful impact on investors outside the US...and the US itself. We explain the change in today's video.
Topics: What Section 899 Does · Withholding Tax Basics · Impacted Investments · What Constitutes "Discriminatory Taxes” · Implications for Foreign Countries · Implications for the US
20:08535K views · 1y ago · 20:08
Link to video comparing US banks to Silicon Valley Bank
Topics: Primer · Why are yields rising · Credit Rating Downgrade · One Big Beautiful Bill · The Weak 20-year Auction · Japan’s Role?
▶️ Mentioned videos: to video comparing US banks to Silicon Valley Bank
13:32192K views · 1y ago · 13:32
The US and China recently announced a "trade deal," yet tariffs remain much higher than the widely-published 10%/30% rates being circulated. Today's video will break down where we currently stand.
23:42550K views · 1y ago · 23:42
My name's Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.
14:28241K views · 1y ago · 14:28
The US is in a trade war with China, and after a rapid escalation, has seemingly pivoted with a recent exemption. Let's dive into what it all means for the US economy.
Topics: Overview · Timeline · Why China? · The Impact of a Trade War on the US · Treasury Yields · Is China Causing This?
17:35466K views · 1y ago · 17:35
Liberation Day has come - let's sort through the wreckage
2:45125K views · 1y ago · 2:45
Some huge news for the channel "Election Music" by MUSIC4VIDEO (
▶️ Mentioned videos: Election Music
13:12340K views · 1y ago · 13:12
USMCA Trade Deal CBSA Tariff Rates WTO Portal There's been a lot of discussion of Canada's tariffs against US imports, most of which has been misleading or flat out wrong. Let's clear the air.
Topics: Canada's Supply Management · Canada's Tariff Rates · Tariff Rate Quotas · US Preferential Rates · Quota Underutilization · US' Own Restrictions
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