An ex-Microsoft & Meta engineer’s blunt take on Canadian tech, finance, and broken systems.
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The RRSP Home Buyers' Plan lets you pull up to $60,000 tax-free from your RRSP for a first home purchase, with 15 years to pay it back. Here is how to use it properly.
Both platforms now offer free trades. But Wealthsimple charges 1.5% every time money crosses the CAD/USD border — on the buy and the sell. Here's what that actually costs you.
TFSA, RRSP, or FHSA? Here's the honest comparison: what each account actually does, who should open what, and the stacking move that can unlock $200k toward a down payment.
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Bits & Bonds exists because Canadian tech deserves better — and because too many Canadians are being left in the dark about their own money.
I started this site to call out broken tech, outdated systems, and policy decisions that make no sense, while also showing how they could be done better.
I also write about personal finance because I was shocked by how many people don’t know what a TFSA is or how index investing works — basics that can have a massive impact over time.
I’ve spent years in the tech industry, including time at Microsoft and Meta, and I’ve been investing for nearly a decade. This blog is where those experiences meet: practical, opinionated, and very Canadian.
If that sounds like your kind of thing, subscribe and share — it helps more than you think.
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