Money × Technology
Practical guides for your money—and the technology shaping your future.
Free Canadian investing tools, straightforward financial guidance, and useful perspectives on AI and modern work.
Money
Build your financial future
Clear Canadian guidance for choosing accounts, buying ETFs, and making your next money decision.
Best ETFs for Canadians in 2026
Buy XEQT. Done. Article over. Fine, here's the elaboration you asked for: why all-in-one ETFs beat mutual funds by six figures, and why you're overthinking this.
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FHSA vs RRSP vs TFSA: The Complete Canadian Account Comparison
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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What Should I Actually Buy Inside My TFSA?
Most Canadians have a TFSA. Most Canadians are leaving it in a savings account earning almost nothing. Here is the one thing to buy instead, and the math on why it matters.
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Popular ETF path
Research first. Compare the numbers second.
Start with the plain-English ETF guide, then test XEQT, VFV, VEQT, XGRO and more with live performance data.
Technology
Navigate the AI era
Practical essays on software, careers, AI, and how technology is changing the way we work.
Stop Learning AI. Start Using It.
Every engineer feels behind on AI. Most are wrong. The gap isn't knowledge — it's habit. Here's the one rule that changes everything.
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I Work at Meta. Here Are the 3 Skills That Actually Matter for Software Engineers Right Now.
The gap between engineers who are thriving and those who are falling behind is becoming very visible inside companies moving fast on AI. It has almost nothing to do with how well they write code. Here are the 3 skills that actually separate them.
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I Built an App for the FIFA World Cup in One Night. Here's Exactly How.
I had an idea, a plan, and one night. Here's how I built a full PWA for FIFA World Cup 2026 fans in Vancouver and Toronto using AI, NotebookLM research, and zero CMS.
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Why Bits & Bonds?
Your money and your work are changing together.
Financial independence and technological change are two of the biggest forces shaping modern life. Bits & Bonds makes both easier to understand—and easier to act on.
Make smarter moves
Get practical Canadian finance guides and useful perspectives on technology—delivered occasionally, without the noise.