Blog
The newest articles first. Browse by topic or refine by tag to find what you need.
17 articles · Newest first
Canada's new Productivity Mega Deduction would let businesses immediately expense most eligible capital investments. Here is what the proposal covers, who benefits, and what the 6.4 percent headline really means.
Learning
Once your TFSA is maxed, your next move depends first on your tax bracket, then your home plans, FHSA eligibility, RRSP room, pension, and taxable account needs.
Investing feels scary at first, but beginners do not need predictions, charts, or perfect timing. They need diversification, consistency, and time.
Investing
FHSA withdrawal rules in Canada explained: qualifying withdrawals, RC725 form, tax-free rules, taxable withdrawals, and what happens if you do not buy a home.
Tax refund sitting in your account? Here is exactly what to do with it: pay off debt first, top up your emergency fund, then TFSA, RRSP, or FHSA depending on your situation.
Capital gains tax in Canada for 2026: use the 50% inclusion rate, calculate adjusted cost base, estimate tax, apply losses, and avoid common mistakes.
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.
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.
Beginner Guide
You don't have to choose between your TFSA and FHSA. Here's how to fund both at the same time, why the FHSA should get the first dollar, and the 15-year deadline most people miss.
Beginner Guide
Over-contributed to your TFSA? The penalty is 1% per month. Here's exactly how to fix it, how to request a CRA waiver, and how to make sure it never happens again.
FHSA
The 2026 RRSP contribution limit is $33,810. Here's what that actually means for you, how to calculate your personal room, and whether you should max it out this year.
RRSP
TFSA or FHSA first? Use your home-buying timeline, eligibility, and need for flexibility to decide where your next dollar should go.
The biggest lie in Canadian personal finance is that investing is for people who have money to spare. Fractional shares, zero commissions, and one ETF have made $25 a paycheck a legitimate wealth-building strategy. Here is the math.
Investing
RRSP or TFSA first? Use your income, employer match, goals, and 2026 contribution limits to decide where your next dollar should go.
RRSP
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.
TFSA
Most Canadians think the FHSA is only useful if you're saving for a home. That assumption is costing them thousands. Here's how the FHSA wins whether you buy a house or not.
FHSA
Why TFSA should be changed to Tax Free Investment Account
TFSA