I’m Earning Six Figures… So Why Don’t I Feel Wealthy?

Oct 10, 2025

Discover why even high earners often feel financially uncertain, despite impressive incomes. Learn how to assess your wealth and understand realistic return expectations. Explore the emotional aspects of transitioning to decumulation years and the smart use of leverage. Get insights on choosing investments that align with your comfort level and gradually testing your tolerance for borrowing. Finally, find out how to create a holistic financial plan to ensure you're truly on the path to long-term freedom.

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ANECDOTE

High Earners Still Feel Financial Doubt

Roman earns over $300K combined and has only $60,000 mortgage on a $1.1M home, yet still feels uncertain about his financial plan.
This example shows high income and low debt don't eliminate doubt about retirement and net worth decumulation.

INSIGHT

Decumulation Anxiety Is Overlooked

Many people neglect the mental work of decumulation and how selling assets will feel and affect net worth over time.
Kyle highlights that not planning for decumulation creates anxiety about how much you'll leave the world with.

ADVICE

Model Future Wealth With Conservative Returns

Project your current savings rate and realistic returns to see where you'll end up and whether it's enough.
Request that your advisor model conservative returns over your intended runway so you stop guessing.

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What if you’re earning over $300K a year, saving diligently, and still feel like your wealth plan isn’t enough?

That’s exactly where Roman found himself — solid income, strong net worth, and a nearly paid-off home, yet constant doubt about whether he’s truly on track for financial freedom. If you’ve ever wondered whether you’re missing something in your plan, or questioned if leverage could accelerate your journey, this episode is for you. Kyle Pearce breaks down how to think clearly about wealth-building beyond accumulation, how to prepare mentally for the decumulation years, and how to use (or avoid) leverage the smart way.

You’ll learn:

Why high earners often feel financial uncertainty despite impressive balance sheets.
How to model your future wealth with realistic returns so you know when “enough” is actually enough.
A framework for using leverage confidently—without letting risk or emotion derail your strategy.

Press play to discover how to turn your strong income and savings habits into a clear, confident path toward long-term financial freedom.

Discover which phase of wealth creation you are in. Take our quick assessment and you’ll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.

Canadian Wealth Secrets Show Notes Page:

Consider reaching out to Kyle

…taking a salary with a goal of stuffing RRSPs;
…investing inside your corporation without a passive income tax minimization strategy;
…letting a large sum of liquid assets sit in low interest earning savings accounts;
…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,
…wondering whether your current corporate wealth management strategy is optimal for your specific situation.

Building long-term wealth in Canada starts with a clear financial vision and a strategic approach to both personal and corporate planning. At Canadian Wealth Secrets, we help high-income earners and business owners design a Canadian wealth plan that balances financial freedom and risk management through tailored investment strategies, smart leverage, and optimized portfolio performance. From RRSP optimization and tax-efficient investing to corporate wealth planning, salary vs dividends decisions, and capital gains strategies, every move supports your path toward financial independence in C

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Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.