Introduction Nobody sat us down and explained how two people are supposed to combine their finances. There’s no handbook for it. You move in together, you’ve got two incomes, two sets of spending habits, and a mortgage staring you in the face — and you figure it out as you go. Rachel and I bought…
Introduction Most Canadians open a TFSA, park some money in it, and call it a day, never really learning how to use your TFSA in Canada. Maybe it’s sitting in a savings account earning 2% interest. Maybe it’s in a managed portfolio that a bank advisor set up for them years ago. Maybe they’re not…
Introduction I’ll be honest with you — this past winter was rough. If you read my 2025 Year-End Review, you already know some of it. The stagnation, the losses, the feeling of spinning your wheels while the world keeps moving. Add a career pursuit that fell apart on me, and by the time February rolled…
Introduction If you’re in your 20s and wondering whether you make enough to buy a house in Canada right now, the honest answer is: it depends on more than just your salary. When Rachel and I bought our first home in PEI in August 2024 for $440,000, our income on paper looked like it shouldn’t…
Introduction We did the work. We saved the down payment, read the guides, and went into our first home purchase feeling like we had a solid handle on what it was going to cost us. And then I looked at our bank account after closing day — and felt it anyway. The hidden costs of…
Introduction When my partner and I started seriously planning to buy our first home, one of the first things I had to understand was how the FHSA in Canada actually worked…If you’re in that same position, I break down exactly how we approached it in my down payment savings plan guide. Like most people in their 20s, we…
Union jobs in Canada are having a moment. With strikes making headlines and young workers rethinking what they want from work, more people than ever are asking: should I look for a unionised role? I’ve been in a unionised role for over a year now. Before that, I worked non-union retail and sales positions. And…
When I opened my first investment account at 18, I had no idea whether to choose a TFSA vs RRSP. The bank advisor threw around terms like ‘tax-deferred growth’ and ‘contribution room,’ and I just nodded along pretending I understood. I ended up choosing a TFSA because… honestly, it sounded less complicated. Five years later,…
2025: The Year of Stagnation, Loss, and Hard Lessons I hope everyone is having a good holiday season as I sit down to write my 2025 year-end review. For me, this year felt very stagnant. I didn’t accomplish much, did a lot of waiting, and in all honesty, it wasn’t great. I did try some…
The first piece of advice you get when you mention buying a house is always the same: “Just start saving.” If I had a dollar for every time I heard that, I might have paid off my mortgage already. Those same people who are shocked that you haven’t saved enough for your down payment yet…
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