Practical advice for life in Canada.
Investing & Accounts
A Canadian guide to Lean FIRE, Barista FIRE, Coast FIRE and Fat FIRE, with practical account, tax, CPP, OAS, housing, healthcare and retirement-planning tradeoffs.
16 min read
Credit & Debt
A detailed Canadian guide to the Smith Manoeuvre, including how the mortgage-to-investment debt conversion works, why interest may be deductible, what can fail, and the major risks.
15 min read
Money Basics
A very simple beginner guide to Canadian finances, explaining banking, budgeting, saving, credit, taxes, benefits, TFSA, RRSP, FHSA, debt, housing, insurance, and bonuses.
11 min read
Newcomers & Visas
A simple factual financial checklist for newcomers to Canada covering phone plans, SIN, banking, Interac e-Transfers, credit, taxes, benefits, fraud prevention, and registered accounts.
12 min readA Canadian guide to Lean FIRE, Barista FIRE, Coast FIRE and Fat FIRE, with practical account, tax, CPP, OAS, housing, healthcare and retirement-planning tradeoffs.
A detailed Canadian guide to the Smith Manoeuvre, including how the mortgage-to-investment debt conversion works, why interest may be deductible, what can fail, and the major risks.
A very simple beginner guide to Canadian finances, explaining banking, budgeting, saving, credit, taxes, benefits, TFSA, RRSP, FHSA, debt, housing, insurance, and bonuses.
A simple factual financial checklist for newcomers to Canada covering phone plans, SIN, banking, Interac e-Transfers, credit, taxes, benefits, fraud prevention, and registered accounts.
A practical Canadian guide to choosing TFSA, RRSP, or FHSA first based on home-buying plans, income, flexibility, retirement goals, newcomer status, family benefits, and self-employment.
Learn how FHSAs work in Canada, including eligibility, annual and lifetime limits, tax deductions, qualifying withdrawals, and TFSA or RRSP comparisons.
Practical pathways
Move from arrival tasks to banking, credit, housing, phone service, taxes, and a workable first-month plan.
Build a monthly plan, reduce recurring costs, prepare an emergency buffer, and choose the next useful money step.
Compare affordability, prepare rental documents, estimate moving costs, and understand the rent-versus-buy trade-off.
Create practical Canadian letters, checklists, employment records, rental documents, and organized admin files.
