Every emergency fund guide tells you the same thing: save three to six months of expenses. Fair enough advice — but it never quite tells you how to actually structure that money, or what it looks like day to day when life throws something at you. So here’s exactly how Rachel and I do it. Our Two-Pot…
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…
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,…
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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