Welcome. I'm glad you're here.
My name is Ted Lee. I am a Canadian veteran, Stevedore, former deep sea diver, retired financial advisor, writer, and lifelong learner. I am now in my sunset years, and I have built this website to share the knowledge, lessons, and hard-won wisdom that a lifetime of experience has given me.
I created these pages for my daughters, for my family, and for anyone who wants to understand how money, power, and institutions actually work. I believe that financial literacy, personal privacy, and the ability to think independently are things every person deserves — and things that are too rarely taught.
Everything on this site is free. Nothing is hidden behind a paywall. I have no clients, no sponsors, and nothing to sell. I am simply a man trying to leave behind something useful for the people who come after me.
"Freedom Through Knowledge."
Start Here
If you're new to this site, these are the six most important pages. They frame everything else.
The Resource Access Gap
Why people work harder yet fall further behind.
Why Money Loses Value
How governments debase currency and what it means for your savings.
FIRE Explained
Financial Independence, Retire Early — escape the rat race.
Invest, Borrow, Die
How the wealthy build and preserve wealth across generations.
Set Up a Trust in Advance
Protect your family before it's too late — powers of attorney and planning.
The Coming Debt Crash
Why the global debt bubble is unsustainable.
Knowledge Path
Follow these steps in order. Each one builds the understanding you need for the next.
Understand the Problem
Why people work harder yet fall behind.
The System Incentives
Rules governments and banks actually follow.
Global Affairs & Geopolitics
- The Shifting Global Order — BRICS & Two-Sphere World How the world is splitting into competing economic blocs.
- Canada's Arctic Sovereignty & the Lomonosov Ridge Competing claims beneath the North Pole and U.S. interest in Greenland.
- The Northwest Passage Canada's Arctic shipping route and sovereignty questions.
- Protect Your Wealth in a Two-Sphere World Investment strategies for geopolitical fragmentation.
Canada & Policy
Bill C‑22 & Your Privacy: Risks Every Canadian Should Know
Canada's lawful-access legislation expands mandatory metadata retention and requires internet providers to build data-extraction systems for law enforcement — whether or not you've ever been suspected of anything. Learn what your metadata reveals, why mandatory retention creates serious security risks, who is accountable if that data is stolen, and how to contact your MP.
Read: Bill C‑22 and Your Privacy →- Read the Strategic Energy Act Guide
- KSS vs Type 212 — Which Submarine for Canada? Independent defence analysis comparing Korean and German submarine options for the Royal Canadian Navy.
- Why Canada should NOT seek help under China's BRI Feasibility analysis of the Churchill port project and the risks of Chinese Belt and Road involvement.
- Canada's Potential — And the Risk of Wasting It
- Gripen + GlobalEye vs F-35 for Canada Defence procurement advocacy — Canadian jobs, ITAR-free sovereignty.
- Gripen vs F-35 Full Comparison
- Write Your MP About Gripen
- Pipelines — Healthcare Funding How pipeline revenue connects to public services.
- The Vancouver Model
- Dying While Waiting
- The Resource Access Gap
- Solving the Access Gap
- Stagflation — The 2026 Energy Crisis
- Oil Comparison
- Venezuela Oil & Diesel Impact
- Cullen Commission report on money-laundering in B.C. casinos
Wealth, Retirement & Estate Planning
Building Wealth
- How To Get Started Building Wealth
- How To Get Rich — Hub A plain-spoken, long-term guide to building wealth.
- Invest, Borrow, Die Strategy
- Step Up vs Deemed Disposition
- Using Debt To Grow Wealth
- FIRE — Financial Independence, Retire Early
Tax
- Tax Reform Resources — Hub
- CLEE & The Invisible Tax
- Compare IBD vs Smith Manoeuvre
- CRA Advantage Rule
- Alternative Tax Framework (25-25-25)
- Current Tax Overview
- Proposed VAT & Consumption Tax
- G7 Corporate Tax Rates
- Wills Under The Indian Act
Gold, Silver & Hard Assets
Debt & Economic Risk
- "The Big One" Great Earthquake Threat
- Names Given to Risk Events
- Canada Federal Debt — Hub
- The Big Bubble
- Global Debt Crash Warning
- Financial False Hope
- Canada's Recession
Trust Planning
- Trust Planning — Hub
- Henson Trust (Canada)
- Special Needs Trust (USA)
- Income Trusts (Canada)
- Bare Trusts (Canada)
- New Fines for NOT Reporting Bare Trusts
- New Canadian Tax Trap Starting 2026
- Power of Attorney & Authentication Pads
Poverty & Systemic Issues
Bitcoin & Decentralization
- Bitcoin Education — Hub Full curriculum: getting started, how it works, security, and risks.
- How To Get Started
- Why Bitcoin?
- DCA (Dollar Cost Averaging)
- What Is Fiat Money?
- Gold vs BTC vs S&P500
- Avoid Double Taxation on BTC
- MicroStrategy (MSTR)
- Nostr — Censorship-Resistant Communication
- Blockchain Explained
- Doughnut Economics
See the full Bitcoin hub for 20+ additional pages on security, seed words, privacy tools, and risks.
Privacy & Security
- How I Protect My Privacy
- How To Use pfSense Firewall
- How To Use PGP for Private Emails
- Create a Strong Password
- When KYC Fails — My Identity-Theft Story
- The Real Dangers of KYC
- Harm Done by KYC Breaches
- Was Your Data Stolen? — Hub
- Canadians Hacked in 2025
- LifeLabs Data Breach
- London Drugs Data Breach
- AI Scams & Digital Surveillance
- 1984 Surveillance Analysis
- Whistleblowing in Canada
- The Right to Repair
- New Bill C‑22 & Your Privacy — Metadata Retention, Security Risks & What You Can Do Canada's lawful-access bill expands mandatory metadata logging and creates honeypot-like data stores held by private providers. Understand the risks and how to speak up to your MP.
About Ted Lee
- About Ted — Hub Veteran. Diver. Advisor. Writer. Still learning.
- Awards, Certificates & Honours
- Wisdom
- Crypto — Donation & Bitcoin Contact
- Why I Don't Give Financial Advice
- Amateur Radio — VE7LEE / VE7LE
- Секретная справка — Satirical Russian Report A humorous "classified" dossier. In Russian.
- Diving Certification — Red Sea 1977 Israeli CMAS cert. In Hebrew.