Here's the part the 45-second video skips: while the strategy can be explained over a coffee, the implementation can take years to do correctly, and it's the implementation, not the strategy, that the CRA actually reviews. That gap between "I understand the idea" and "I can prove it for the last five years" is exactly where well-meaning homeowners walk straight into trouble. So, before you start moving money around because a stranger online told you to, take a breath. And rea