investing
Roth IRA or Brokerage Account: The Best Choice for Students
Deciding between a Roth IRA and a brokerage account as a student can be tricky. Here's a friendly breakdown to help you make the best choice for your financial future.
Bone Pile Investing 🐾
Stocks, bonds & investment strategies
Latest Articles
Fresh takes on bone pile investing that won't make you want to chase your tail.
investing
When to Shift Your Emergency Fund from High-Yield Savings to Investments
Figuring out the right moment to move your emergency fund can be tricky. Here’s a friendly guide to help you decide when it might make sense to invest instead of keeping all that cash in a high-yield savings account.
investing
Is Whole Life Insurance a Scam for Young People?
Exploring the pros and cons of whole life insurance versus term policies, especially for younger individuals navigating their financial journey.
investing
Smart Ways to Invest Your Work Bonus
Deciding between investing a small bonus and paying off debt can be tricky. Here’s how to make the best choice for your financial future.
investing
What to Do After Hitting Your Roth IRA Contribution Limit
Maxed out your Roth IRA? Discover the next smart tax-advantaged account to supercharge your savings.
investing
Retirement Savings Made Easy for Canadians in Their 20s
A fun and engaging guide for young Canadians on whether to prioritize their TFSA or RRSP for retirement savings.
investing
Should You Pay Off Student Loans or Invest Your Savings
Deciding between paying off student loans and investing can feel like a high-stakes game of Monopoly. Here's how to navigate the dilemma with some smart financial strategies.
investing
Spotting the Red Flags of Crypto Scams
Learn how to identify potential scams in the crypto world and make informed decisions before investing.
investing
Are Peer to Peer Lending Apps Worth It
Explore the ins and outs of peer to peer lending apps and whether they can be a smart choice for your investment portfolio.
investing
TFSA or RRSP: Which Should You Choose in Your 20s?
Navigating the world of registered accounts in Canada can be a bit tricky, especially when you're fresh out of school and starting your first full-time job. Let's break down the benefits of a TFSA and RRSP to help you make the best choice for your financial future.
investing
TFSA or RRSP: Which is Best for Canadian Students with a Low Income
Explore whether Canadian students should prioritize a TFSA or RRSP while earning a low income, with insights on maximizing benefits and making smart financial choices.
investing
Is Investing in Crypto Smart for Beginners
Explore the world of cryptocurrency investing with a friendly approach to help beginners decide if it's a smart choice amidst the hype.
investing
Finding the Right Balance for Retirement Contributions at 22
Navigating retirement contributions while saving for short-term goals can be tricky, but it’s all about balance. Let’s explore how you can make the most of your employer match while still keeping an eye on your immediate financial dreams.
investing
Investing in ETFs vs Paying Down Student Loans
Deciding whether to invest in ETFs or pay down student loans can be tricky. Let's break it down and find the smartest path for your extra cash.
investing
Next Steps After Maxing Out Your TFSA at 23
Explore your investing options after maxing out your TFSA. From RRSPs to non-registered accounts, discover what could be the best fit for your financial future.
investing
Investing in Fractional Shares: The Smart Starter Move
Wondering if you should dive into fractional shares or save for whole units? Discover why fractional shares can be a fantastic way to invest in expensive stocks without breaking the bank.
investing
Choosing Between Your Work Retirement Plan and a Personal Brokerage Account
Deciding whether to invest through your work retirement plan or open a personal brokerage account can be tricky. Let’s break down the pros and cons in a fun and relatable way.
investing
Paying Down Student Loans vs. Investing: Which Should You Choose?
Explore the tug-of-war between paying off student debt and diving into the world of investing, and discover whether compounding can outpace clearing your loans.
investing
Investing in Stocks vs. Index Funds in Your 20s
Explore the balance between chasing meme stock trends and the stability of index funds like VOO and VTI, and discover the best strategy for beginner investors.
investing
Navigating Your Savings Strategy After Graduation
Deciding how to split your savings between a Roth IRA and a 401k can be a game-changer for your financial future. Learn how to maximize your employer's match and make the most of your investments.
investing
Starting Your Investment Journey with Just $100 a Month
Discover how to make the most of your $100 monthly investment with low-fee options that offer growth without the headache of complexity.
investing
Investing in Index Funds vs Individual Stocks: Finding Your Financial Groove
Explore the pros and cons of index funds and individual stocks, helping you decide which investment path suits your long-term growth goals while keeping the excitement alive.
investing
Are Robo-Advisors Worth the Fee for Hands-Off Investors
Discover if robo-advisors are the right choice for you as a hands-off investor, weighing their fees against the benefits like tax-loss harvesting and rebalancing.
investing
Understanding Tax-Loss Harvesting for New Investors
Explore the ins and outs of tax-loss harvesting, and discover if it's worth the effort for new investors with a mix of gains and losses.
investing
Rolling Your Old 401k: The Best Path for Your Money
Navigating what to do with your old 401k can feel overwhelming, but understanding your options can lead to smarter long-term growth and tax benefits.
investing
Investing During a Bear Market Can Be Smart
Don't let a bear market scare you away from investing. Understand the risks and rewards of investing in downturns to make informed choices.
investing
Dollar Cost Averaging vs. Lump Sum Investing
Exploring the pros and cons of dollar cost averaging and lump sum investing to help you decide the best way to enter the market with your savings.
investing
Smart Savings for Your First Job: Retirement Contributions Made Easy
Discover how much of your paycheck you should allocate for retirement, especially when starting your first full-time job at $55k.
investing
ETFs vs TFSA Savings: The Battle of Safe Interest and Long-Term Growth
Exploring whether to invest in ETFs for growth or keep money in a TFSA savings account for safety, with insights to help you make the best choice for your financial future.
investing
Should You Dive into an HSA If You’re Healthy
Exploring whether to invest in a Health Savings Account when you're generally healthy, and how it compares to your 401k and Roth IRA.
investing
Balancing Student Loans and a Roth IRA: Where to Put Your Money First
Deciding whether to pay off student loans or invest in a Roth IRA can be tricky. Let’s break it down in a fun way that helps you make the best financial choice for your future.
investing
Dividend Stocks versus Growth Stocks: The Battle of Passive Income and Long-Term Gains
Explore the age-old debate between dividend stocks and growth stocks, and discover which investing strategy may be right for you.
investing
Maxing Out Your Employer Match vs. Investing in ETFs
Exploring the balance between maximizing your employer match and investing in ETFs to grow your wealth.
investing
Balancing Debt and Saving for Kids' Education
Explore how to navigate student loans and credit card debt while planning for your future children's education, striking a balance that works for your financial goals.
investing
Unveiling the True Cost of Job Offers
Learn how to calculate the real take-home value of job offers by considering salary, benefits, and taxes. Make informed decisions with confidence!
investing
Weighing Severance vs. Staying Put: A Financial Tug-of-War
Navigating the choice between a severance package and staying employed can feel like picking between two blockbuster movies. Let’s break down the pros and cons to help you make a smart, informed decision.
investing
Understanding Short-Term and Long-Term Disability Insurance
Explore the key differences between short-term and long-term disability insurance, and find out which coverage might be right for you.
investing
Maxing Out Your HSA or Investing Elsewhere
Deciding between contributing to a health savings account or investing in a retirement fund can be tricky, but understanding the benefits of each can help you make a smart choice.
investing
Choosing Between a Solo 401(k) and SEP IRA for Your Small Business Retirement
Explore the pros and cons of Solo 401(k) and SEP IRA retirement plans for small business owners, helping you navigate your options with confidence.
investing
Taming Lifestyle Creep After a Raise
Learn how to save and invest your raise before lifestyle creep sets in, and discover the best balance between your 401(k) and a brokerage account.
investing
Navigating Student Loans and Roth IRAs After Graduation
Deciding between paying off student loans and investing in a Roth IRA can feel like a tough choice. Let's break down the options and help you make a smart decision that balances your financial future and current obligations.
investing
Solo 401k vs SEP IRA for Your Small Business Retirement
Explore the pros and cons of Solo 401k and SEP IRA retirement accounts to find the best tax-advantaged option for your small business.
investing
Taming Lifestyle Creep and Supercharging Your Retirement Contributions
Learn how to maintain your financial discipline after a salary increase, maximize your 401k and Roth IRA contributions, and save wisely for a brighter future.
investing
Tackling Student Loans vs. Building Your Roth IRA: What’s Your Best Move?
Navigating the balance between paying off student loans and investing in a Roth IRA can be tricky. Let’s explore how to tackle your $30,000 debt while also thinking about your future.
investing
Roth IRA or High-Yield Savings Account: Which Should You Start First?
Deciding between a Roth IRA and a High-Yield Savings Account can feel like choosing between a superhero and a sidekick. Both have their perks, but knowing when to suit up for retirement or build that emergency fund is key. Let's break it down.
investing
Is Whole Life Insurance a Smart Investment for Young Adults
Exploring whether whole life insurance makes sense as an investment for young adults, blending financial wisdom with relatable pop culture references.
investing
Choosing Between Mutual Funds and Low-Fee ETFs for Your Investment Journey
Explore the differences between high-fee mutual funds and low-fee ETFs, and discover which option might be the best fit for your long-term investment goals.
investing
Smart Picks for Your FHSA Investments
Discover the best investment options for your First Home Savings Account to maximize your home-buying potential.
investing
Opening a Roth IRA and Understanding Its Differences with a 401k
Learn how to open a Roth IRA and discover the key differences between a Roth IRA and a 401k to make informed retirement choices.
investing
Essential Estate Planning for New Families
Explore the critical estate planning documents and insurance products that young families often overlook, ensuring your little one is protected and your family's future is secure.
investing
Choosing Between a 529 Plan and a Custodial Roth IRA for Your Child's Education
Exploring the pros and cons of 529 college savings plans and Custodial Roth IRAs can help you make the best choice for your child's future education funding. Let's break it down in a fun, relatable way.
investing
Choosing the Best Set-It-and-Forget-It Strategy for Your Roth IRA
Explore the pros and cons of Target Date Funds and index funds as simple investment strategies for your Roth IRA, making retirement planning feel as easy as binge-watching your favorite series.
investing
Navigating Your First Job's 401(k) Match and Roth IRA Like a Pro
Learn how to prioritize your retirement contributions between your employer's 401(k) match and a Roth IRA, perfect for young professionals in low tax brackets.
investing
Investing While Unemployed: Is It a Smart Move?
Exploring the pros and cons of maintaining your investing habits during unemployment, and how to make the most of your financial situation.
investing
Choosing Between Target Date Funds and Index Funds for Your Roth IRA
Explore the benefits of Target Date Funds versus investing in low-cost index funds for a simple, hands-off retirement strategy.
investing
Maxing Your Match and Roth IRA: The Best Move for Young Professionals
Navigating your first job's 401(k) match and a Roth IRA can feel like choosing between Marvel and DC. Here’s how to prioritize your contributions wisely.
investing
Finding the Right Balance for Your Income
Discover how to allocate your income wisely for investing, saving, and spending, even if you're in a higher income bracket.
investing
Finding the Right Retirement Contribution for Your First Job
Navigating the world of retirement contributions can feel overwhelming, especially with your first paycheck. Let’s break down how to approach saving for your future while enjoying the present.
investing
Navigating Investment Accounts for Early Retirement Bliss
Discover the optimal strategy for Canadian early retirees when balancing contributions between registered accounts like TFSA and RRSP and non-registered investment accounts to maximize income.
investing
Should You Dive into Taxable Accounts After Hitting Your Employer Match?
Exploring whether it’s wise to invest in taxable accounts after maxing out your employer match, while weighing the flexibility of taxable accounts against the benefits of Roth IRAs.
investing
Roth and Traditional IRAs: Which One Should You Choose as a New Worker?
Exploring the benefits of both Roth and Traditional IRAs for young workers, including tax implications and investment strategies.
investing
Fast-Tracking Your Financial Independence from Mom and Dad
Discover practical steps and savvy strategies to achieve financial independence from your parents faster than you can say 'adulting'.
investing
Emergency Fund vs. Selling Investments: Which Should You Prioritize?
Explore the classic debate of having an emergency fund versus relying on selling investments during a crisis, and discover how to balance both for financial security.
investing
Investing Small While Tackling Student Loans
Navigating student loans and investing can feel like a balancing act, but starting small can give you an edge while building financial discipline.
investing
Investing Smartly While Juggling Debts and Learning the Ropes
Discover how to navigate the world of investing, even if you're dealing with debts and low financial literacy. It’s all about priorities and making informed choices.
investing
Essential Questions About Your Employer's ESPP Plan
Navigating your employer's Employee Stock Purchase Plan can feel like a maze. Here are key questions to help you understand holding periods, discounts, contribution limits, and more.
investing
Deciding Between RRSP and TFSA for Flexible Access
Exploring the benefits of RRSPs and TFSAs to help you choose the right one for easy access to your funds.
investing
Finding the Balance Between Fixed GICs and Volatile Stocks
Explore the pros and cons of fixed GICs versus stocks, and discover when it makes sense to play it safe or take on some risk for potentially higher returns.
investing
Finding the Best Low-Fee Investment Platforms for Beginners
Explore investment platforms with low fees perfect for testing the waters with small contributions and simplicity in mind.
investing
Should You Move Your Emergency Fund Into Short-Term Investments?
Exploring the balance between liquidity and return on investment for your emergency fund.
investing
Should You Hit Pause on Investing During High Inflation?
Navigating high inflation can feel daunting, but pausing your investments might not be the best play. Let's explore why staying the course could be a smarter move than you think.
investing
Is Moving Your Dorm Money to Liquid Funds a Smart Move?
Exploring whether liquid funds or short-term fixed deposits can help you earn more on your savings while keeping them accessible.
investing
Navigating Retirement Contributions After a Job Income Drop
When your income takes a hit, especially as a self-employed musician, it can be tempting to pause your retirement contributions. Here’s how to weigh your options and make smart financial decisions without losing sight of your future.
investing
Kickstart Your Investing Journey with Confidence
Discover how to start investing wisely as a beginner while having fun and avoiding common pitfalls.
investing
Finding the Balance Between Travel and Retirement Savings in Your 20s
Navigating the choice between traveling and saving for retirement can be tricky in your 20s. This guide helps you strike the right balance.
investing
How to Start Investing with Just $100
You don't need a treasure chest to start investing. Discover how to make your first $100 work for you, whether you choose apps, ETFs, or other options.
investing
Should I Open an RRSP or 401k If I’m Unsure About My Career Path
Exploring the benefits of opening a retirement account when you’re uncertain about your career, and how young people navigate this decision.
investing
ETFs vs High-Interest Savings: Which is Right for You?
Explore the differences between investing in ETFs and sticking with high-interest savings accounts, and find out what makes sense for your financial journey.
investing
Investing on a Budget is Totally Possible
Discover how to start investing with a small budget and make your money work for you without breaking the bank.
investing
Why You Should Consider Opening a TFSA or FHSA at 18
Exploring the benefits of opening a Tax-Free Savings Account or a First Home Savings Account as soon as you turn 18 in Canada, even if your initial contributions are small.
investing
Investing vs. Debt: What Should You Tackle First After Landing Your First Job?
Deciding whether to invest or pay off student loans right after starting your first job can be tricky. Let’s break it down and find the right balance for your financial future.
investing
What to Do with Extra Scholarship Money: Save, Invest, or Spend
If you’ve got leftover scholarship money this semester, you’re in a great position. Here’s how to decide whether to save it, invest it, or spend it wisely.
investing
Starting Small with a TFSA or IRA Can Lead to Big Wins
Exploring the benefits of starting a TFSA or IRA with small contributions as a student, and how compounding can work in your favor.
investing
Investing or Paying Off Debt: Finding Your Balance
Deciding whether to invest or pay off low-interest debt can feel like a financial game of tug-of-war. Let’s explore how to navigate this tricky decision with some friendly advice and relatable examples.
investing
What to Do With $15,000: Pay Debts, Invest, or Splurge?
Navigating the options for your $15,000 can feel a bit overwhelming, but with a sprinkle of smart choices, you can make that money work for you. Whether it's paying down debts, investing for the future, or treating yourself, let's break it down in a friendly way.
investing
Choosing Between TFSA and RRSP When Your Income Soars
As your income rises, deciding between a TFSA and RRSP can be tricky. Let's explore how to maximize your contributions for tax relief and future growth.
investing
Affordable Ways to Kickstart Your Investment Journey
Discover how to dip your toes into investing without breaking the bank, using low-fee ETFs, index funds, and budget-friendly apps.
investing
What to Do with $50,000 Saved and No Debt
Explore your options for wisely utilizing your $50,000 savings, from investing to splurging, all while keeping your financial future in mind.
investing
Should You Pay Off That Low-Interest Loan or Invest Instead
Deciding whether to pay off a low-interest loan or invest can be tricky. Let's break it down in a fun way to help you make the best choice.
investing
What to Do with Your Inheritance: Spend, Save, or Invest
Inheriting around $50,000 can feel like winning the financial lottery. Here’s a friendly guide on how to make the most of that money, whether it’s paying off debt, investing, or building your savings.
investing
How People Manage Their Retirement Savings on Reddit
Explore the various ways Reddit users handle their retirement savings, from maximizing contributions to diversifying across accounts, all while keeping the conversation lively and relatable.
investing
How People Tackle Retirement Savings on Reddit
Dive into the colorful world of Reddit discussions where users share their strategies for managing retirement accounts, from maxing contributions to diversifying investments.
investing
To Sell or Not to Sell Your Stock Portfolio
Navigating the tricky waters of market volatility and economic uncertainty can feel overwhelming. Here's how to make sense of whether to hold onto your stocks or cash out.
investing
Refinance or Invest: Making the Smart Choice
Explore the decision-making process of whether to refinance debt or a mortgage versus investing, considering factors like interest rates, fees, and opportunity cost.
investing
What to Do with $10,000: Invest, Pay Debt, or Keep it Liquid
Exploring the best options for your $10,000 savings and how to make smart financial choices.
investing
Is Holding Cash a Safe Bet or Just Leaving Money on the Table?
In these uncertain financial times, the debate over keeping large cash reserves versus investing is heating up. Let's explore the pros and cons of holding cash and how to strike the right balance.
investing
Investing vs Paying Off Low Interest Debt
Explore the dilemma of whether to invest or pay off low interest debt, with practical insights and relatable comparisons for your financial journey.
investing
What to Do with Your Windfall: Smart Moves for Your Bonus or Inheritance
Discover how to make the most of your financial windfall with practical tips on debt management, investing, building an emergency fund, and treating yourself wisely.
investing
Small Choices That Lead to Big Gains
Discover how minor financial decisions can lead to major rewards and why they often get overlooked.
investing
Should You Pay for a Financial Advisor as Your Wealth Grows?
Exploring whether hiring a financial advisor is worth it as your money starts to grow, weighing the pros and cons of professional guidance versus the DIY approach.
investing
Investing in Real Estate for Beginners Is Still Possible
Discover how beginners can dip their toes into real estate investing without breaking the bank, focusing on small starts and REITs rather than full property ownership.
investing
Should You Hire Help for Taxes and Financial Planning Under 40
Exploring the benefits of hiring professionals for tax filing and financial planning when you're under 40, and whether it's worth the expense compared to going the DIY route.
investing
Lump Sums vs Dollar-Cost Averaging: Which Investment Strategy Wins?
Exploring the age-old debate of lump sum investing versus dollar-cost averaging, this article dives into the pros and cons of each strategy to help you decide which approach feels safer and more effective for your financial goals.
investing
Maxing Employer Match vs Paying Off High-Interest Debt
Deciding whether to take advantage of employer matching or tackle high-interest debt can feel like choosing between a golden ticket and a pesky villain. Here’s how to weigh your options and find the best path for your financial journey.
investing
Investing Without Fear of Loss
Learn how to ease into investing while minimizing risk and maximizing your financial confidence.
investing
Emergency Fund or Investing More: What Should You Prioritize?
The debate between building a full emergency fund and starting to invest is heating up on Reddit. Let's break down the pros and cons of each side to help you decide what’s best for your financial journey.
investing
Is $77,000 in Cash a Smart Move or Just Cashing Out on Opportunity?
Exploring the balance between holding cash and investing for growth can be tricky. Let's dive into the pros and cons of keeping that $77,000 in savings versus putting it to work in the market.
investing
Finding a Home for Your Short-Term Savings in a Rising Inflation World
With inflation on the rise, figuring out where to stash your short-term savings can feel like a game of musical chairs. Let's break down the options like high-interest savings accounts, short-term GICs, and low-risk investments to find what works best in today's economy.
investing
Choosing Between Building a Buffer or Investing Your Savings
Deciding what to do with your extra savings can feel overwhelming. Should you focus on paying off high-interest debt, building an emergency fund, or diving into the investment pool? Let's break it down in a fun and approachable way.
investing
Investing in Index Funds or Dividend Stocks in Today's Market
Explore the benefits and considerations of index funds and dividend stocks in a volatile market, helping you decide what's best for your modest portfolio.
investing
Make Your $5000 Work for You
Explore smart ways to put your $5000 to work instead of letting it sit idle in savings.
investing
Top Low-Cost Investing Platforms and ETFs for Beginners
Discover the best low-cost investing platforms and ETFs that make starting your investment journey easy and exciting.
investing
What to Do with Your $5-10K in Savings
Exploring the best ways to utilize your savings can turn that cash into something more meaningful, whether through investing, paying off debt, or other smart choices.
investing
Navigating Inflation in Your TFSA and RRSP
Discover how to adapt your investing strategy in your TFSA and RRSP amidst rising inflation and low interest rates.
investing
What to Do with Your $10,000 Savings
Wondering how to make the most of your hard-earned $10,000? Explore your options between paying off debt, investing, or splurging on something special. Let's break it down together!
investing
Should You Pay Off Your Mortgage Early or Invest? Let's Break It Down
Explore whether it's smarter to pay off your mortgage early or invest that extra cash, especially for younger individuals navigating financial choices.
investing
What to Do When Your Kid Has Too Much Money for University
Explore creative options for managing your child's substantial savings for college, from investing to adjusting financial aid expectations.
investing
Maximizing Grants with BC Student Loans and RESP Strategies
Discover how a low-income family in BC can strategically manage their student loans and RESPs to maximize grants and investments for a brighter future.
investing
Saving vs. Enjoying Life as a College Student
Navigating the balance between saving and enjoying your college years can be tricky. This guide offers insights on how to make the most of your money while still living life to the fullest.
investing
Navigating Your Paycheck Windfall: Invest, Save, or Pay Down Debt
When your income spikes after landing a new job, knowing how to allocate your newfound earnings can be tricky. Let’s break down how to decide between investing, saving, or paying down debt.
investing
Nailing Your Dream Job and Financial Game Plan
Feeling overwhelmed after landing a lucrative job? Discover how to build a solid financial foundation with smart strategies for emergency funds, taxes, and investments.
investing
Smart Ways to Invest Your Idle Savings as a Student
Explore fun and low-risk investment options for students looking to make the most of their savings while pursuing a computer science degree.
investing
Finding Your Savings Sweet Spot in College
Navigating the savings landscape as a college student can be tricky. Let's break down how much you should realistically save while balancing expenses and enjoying the college experience.
investing
Investing $50 a Month with Student Debt: Smart Move or Wasteful?
Exploring whether investing $50 a month in ETFs is a wise choice while juggling student debt. This article dives into the benefits of building good financial habits and the impact of automated investing.
investing
Should You Save or Crush That Car Loan First?
Navigating between saving and paying off loans can be tricky. Discover how to prioritize your finances when juggling a car loan and student debt.
investing
Is a Side Hustle the Secret to Financial Peace of Mind?
Feeling behind on financial planning? Discover how a side hustle can help you catch up while making money fun.
investing
What to Do After Saving 30% of Your Income
Deciding between investing, paying down debt, or building an emergency fund? Here’s how to prioritize your next financial moves after saving a nice chunk of change.
investing
To Invest or Not to Invest in the Stock Market
Exploring whether to dive into the stock market with small savings or wait until debt-free, and mixing strategies for a balanced approach.
investing
Smart Investment Moves After Saving 100K in Canada
Explore low-risk growth options for your 100K savings, from dividend ETFs to bond funds, all designed to keep your money working while minimizing risk.
investing
Catching Up on Investing at 32: Strategies to Get You on Track
Feeling behind on investing at 32? Discover actionable strategies to catch up, even while tackling student debt and rent.
investing
Is a 529 to Roth Rollover Worth the Limitations?
Explore the ins and outs of rolling over 529 funds to a Roth IRA, including the lifetime cap and 15-year rule, and discover whether it's a smart move for your family.
investing
Moving Your ETFs Without Selling: Navigating Wealthsimple's FHSA Transfer Challenge
Struggling with Wealthsimple's cash-only transfer policy for your ETFs? Discover smart strategies to keep your investments intact while making the move.
investing
Timing Your FHSA Deductions for Max Impact
Explore the ins and outs of claiming your FHSA deductions in Canada, and learn how to time your contributions strategically for optimal tax benefits.
investing
Unlocking the 529 to Roth Rollover Advantage
Discover how the new 529 to Roth IRA rollover can benefit parents overfunding their education savings accounts and when the $35,000 lifetime cap comes into play.
investing
Choosing the Best Emergency Fund for Your TFSA
Explore the pros and cons of HISA ETFs, money market ETFs, and short GICs for your TFSA emergency fund, helping Canadians make informed decisions about liquidity and yield.
investing
Is Norbert's Gambit Still Worth It with Questrade's New $9.95 Journal Fee?
Exploring the impact of Questrade's $9.95 journaling fee on Norbert's Gambit and whether it still beats traditional FX spreads for CAD to USD conversions.
investing
Using Your TFSA to Cover Bills After Job Loss: Smart Move or Risky Drain?
Navigating the financial fallout of job loss can be tricky. Let's explore whether tapping into your TFSA for monthly bills is a wise choice or a risky gamble.
investing
Using Your TFSA to Cover Bills After Job Loss: Smart Strategy or Risky Business?
Exploring the pros and cons of withdrawing from your Tax-Free Savings Account during unemployment, this piece offers insights into balancing immediate needs and long-term financial health.
investing
Why U.S. Credit Cards Offer Better Cash Back Than Canadian Ones
Explore the reasons behind the cash back disparity between U.S. and Canadian credit cards and whether switching to a U.S. card is worth the risk.
investing
Lower Rates for Stafford Loans—A Budget Boost for 2025–26
With new Stafford loan rates dropping slightly, it's time to see how this impacts your repayment plans and budget.
investing
Saving Jars and Games Make Money Management Fun for Kids
Explore how playful tools like saving jars and challenges can teach children the value of money and goal-setting in an engaging way.
investing
Teaching Kids About Money: School Programs vs. Home Lessons
Exploring the effectiveness of financial literacy programs for kids at age 7 and how they stack up against lessons learned at home.
investing
Teaching Kids Financial Literacy Early—Does It Really Stick?
Exploring the impact of early financial education on kids and whether starting at age three leads to lasting money skills.
investing
Should Kids Learn Investing or Stick to the Piggy Bank
Exploring whether 7-year-olds should dive into investing or stay with traditional saving, and how parents are introducing financial concepts early.
investing
Is FAFO Parenting Teaching Kids Finance or Just Reckless Spending
Exploring the balance between letting kids invest real money and teaching them financial responsibility through the FAFO approach.
investing
From Lemonade Stands to Stock Portfolios: Teaching Kids to Invest
Explore how FIRE parents turn simple childhood activities into powerful lessons on investing, transforming lemonade stands into real-world stock portfolios.
investing
Is $750 for Back-to-School Shopping a Blessing or a Budgeting Nightmare?
An influencer mom gives her kids $750 each for back-to-school shopping, using Greenlight cards to teach them budgeting skills. Is this a genius move or too much freedom for young spenders?
investing
Should Kids Learn About Money on Screens or from Books?
Exploring whether screen time for financial education is beneficial for kids compared to traditional reading methods.
investing
Teaching Kids About Stocks with Fun Investment Apps
Explore how parents are using investment apps to introduce their kids to the world of stocks and finance, with suggestions for safe and engaging platforms.
investing
Choosing Between RESP and TFSA for Your Teen: What Worked for Us
Navigating the world of investment options for your teen can be a journey filled with excitement and choices. Here's a playful yet insightful look at using an RESP and TFSA to maximize savings and flexibility.
investing
Teach Investing to Your 8-Year-Olds with Simple Envelopes
Discover how to introduce your kids to the world of investing using a fun and straightforward envelope system that makes learning about money engaging.
investing
Greenlight or Elent Classes for Teaching Kids Money
Exploring the benefits of Greenlight and Elent classes to find out which is the best way to teach kids about money management.
investing
Maxing Out RESPs and Fair Gifting Strategies
Navigate the world of RESPs while ensuring equal gifting among your kids, even when contribution limits differ.
investing
Teaching Kids Investing Without the Risk
Discover fun ways to introduce kids to investing safely with virtual trading apps like Invstr and Stockpile.
investing
Smart Ways to Invest for Your 13-Year-Old Son
Explore the best investment options for your teen, from RESPs to TFSA transfers and non-registered accounts, while making saving and investing a fun journey.
investing
Canada's Income Tax Drop: What's Your New Blended Rate?
Discover how Canada’s recent income tax cut to 14% affects your effective tax rate for 2025 compared to last year. Let’s break it down in a fun and engaging way.
investing
Canada's Digital Services Tax is Gone: Will Ad Costs Finally Drop?
With the repeal of Canada's Digital Services Tax, advertisers are left wondering if they'll see refunds from tech giants or just credits from the CRA.
investing
Catch Up on Student Debt with the New Zero-Interest Plan
A new zero-interest student loan repayment plan set to launch in 2025 offers hope for low-income borrowers, especially those on SNAP. Here's how it can positively impact your budget planning.
investing
Canada's $430 Gift for New Savers is Here
Discover how Canada is giving a financial boost to low-income savers through a new program that incentivizes opening TFSAs and RESPs.
investing
Navigating Amazon's DST Refund Maze
Discover how to tackle the DST refunds from Amazon's ad overcharge and what you can expect moving forward.
investing
The 2025 Robot Tax Refund Mystery Unpacked
Exploring the CRA's handling of capital gains surcharges and the potential refunds for 2024-25 overpayments.
investing
Will Your $430 Investment Grant Arrive in Time?
Canada is rolling out a $430 subsidy for lower-income families, but how and when will it impact your RESP and TFSA savings?
investing
Did Your Ad Agency Refund the 2.5% Surcharge After Canada Scrapped DST?
Discover how the repeal of the Digital Services Tax in Canada affects ad agency fees and what you need to know about potential refunds.
investing
Deciding Between $25k Cash Now or RateLock Investments in a Low Yield Market
Explore the options of deploying $25k cash in today's unpredictable market, weighing the pros and cons of high-interest savings accounts, short-term GICs, and partial stock exposure.
investing
Roth Catch-Up Contributions Get a Makeover for 2025
The SECURE Act is shaking things up for savers over 50, raising the catch-up contribution age to 60 and introducing Roth-only options. Here's how these changes can brighten your financial future.
investing
Canada's Digital Services Tax Repeal: What It Means for Your Ads
With Canada's repeal of the Digital Services Tax, businesses are left wondering whether they'll see refunds from Amazon and Google for the ad surcharges they paid. Let's break down what this means for merchants and their wallets.
investing
TFSA or RRSP in 2025: Timing Your Contributions for Maximum Tax Benefits
Explore the differences between TFSA and RRSP contributions in light of Canada’s changing tax landscape, and discover whether waiting until next year could yield better benefits.
investing
Do HSA Buys Trigger Wash Sales in Your Taxable Account
Dive into the details of wash sale rules and how they relate to your Health Savings Account to keep your investment strategy on point.
investing
Exploring Covered-Call ETFs and the Tax Twist
Dive into the world of high-yield Canadian covered-call ETFs and the intriguing concept of return of capital, uncovering how it affects your after-tax returns.
investing
Fixing a 2024 Roth IRA Excess Without Breaking a Sweat
Learn how to handle excess contributions to your Roth IRA and avoid pesky penalties while keeping your financial future bright.
investing
Are Horizons TRI Swap ETFs a Hidden Tax Time Bomb
Explore the potential tax implications of Horizons TRI swap ETFs and why they might be a ticking time bomb for your non-registered accounts.
investing
Does Norbert's Gambit Still Shine with Questrade's New Fee?
Explore the impact of Questrade's new journaling fee on Norbert's Gambit and how it compares to other platforms like IBKR and Desjardins. Get the lowdown on the math behind your currency conversions.
investing
Wealthsimple's 2025 FX Tiers Take on Norbert's Gambit for Cheaper Currency Conversions
Dive into a friendly comparison of Wealthsimple's tiered FX spreads and Norbert's Gambit, revealing which is more wallet-friendly for CAD to USD conversions.
investing
Navigating the FHSA Withdrawal Window with Ease
Wondering about the FHSA withdrawal timing? Learn the ins and outs of the 30-day window and how it affects your homebuying experience.
investing
Navigating Your FHSA After Moving to the USA
If you're a Canadian relocating to the USA and wondering about your FHSA, this guide breaks down your options and tax implications in a friendly, engaging way.
investing
Double Trouble or Smart Strategy Owning the Same ETF in Roth and Taxable Accounts
Exploring the implications of holding the same ETF in both Roth IRA and taxable accounts, including redundancy and wash-sale considerations.
investing
Understanding Your TFSA Room as a New Permanent Resident
Navigating your Tax-Free Savings Account contributions can be tricky, especially for new permanent residents. Let's break down how TFSA room works and what to consider if you missed tax filings.
investing
ETF vs Mutual Fund: How Vanguard Changes the Tax Game
Explore the tax efficiency of ETFs versus mutual funds and see how Vanguard's structure impacts your investment strategy.
investing
Choosing Between HSA and Roth IRA for a 22-Year-Old with a New Job
Explore whether to prioritize your HSA or Roth IRA as a 22-year-old with a new job and a 401k match, blending financial wisdom with a sprinkle of fun.
investing
Should You Direct Register Your Shares or Keep Them with Your Broker
Exploring the pros and cons of direct registration versus keeping shares with a broker, especially for long-term investors.
investing
Can You Contribute to a Roth IRA While on Your Parents' Return
Explore how your babysitting cash payments can help you contribute to a Roth IRA, whether you're claimed by your parents or filing taxes on your own.
investing
Why a HISA ETF Might Not Be Your Emergency Fund Superhero
Exploring the potential pitfalls of holding a High-Interest Savings Account ETF in your Tax-Free Savings Account for emergencies, including trade halts and bid-ask spreads.
investing
Why Opening a 529 Now Could Be a Smart Move for Your Kid's Future
Exploring the ins and outs of converting 529 funds to a Roth IRA reveals some intriguing opportunities and potential pitfalls. Here’s what parents need to know about SECURE 2.0’s 15-year rule, the $35k lifetime cap, and annual Roth limits while planning for their child's financial future.
investing
Navigating the FHSA Year-End Double Deposit Dilemma
Understanding the implications of a double deposit in your FHSA can save you from unexpected penalties. Let's break it down in a fun and approachable way.
investing
Timing Your FHSA Funds for Your New Build Closing
Navigating FHSA funds for your new home can be tricky, but understanding the timing around contributions and withdrawals can make all the difference.
investing
Moving Stocks to a TFSA Without Selling: A Winning Strategy
Learn how to shift your non-registered stocks into a Tax-Free Savings Account without the tax headache of selling. Discover the ins and outs of in-kind transfers and what you need to know to make the most of your investments.
investing
Understanding Wealthsimple's Fractional Orders and the Batching Mystery
Dive into the world of Wealthsimple's fractional orders and discover why they batch trades, how it impacts your dollar-cost averaging, and what it means for your investment strategy.
investing
Maximizing Your RRSP with U.S. ETFs and the Tax Treaty
Explore how Canadian investors can leverage U.S.-listed ETFs in their RRSPs to sidestep U.S. dividend withholding taxes, and find out why this can be a savvy investment strategy.
investing
Vanguard's Big Move: What the SpecID Shift Means for Your Tax-Loss Harvesting Game
Vanguard's decision to remove SpecID as a default option by 2025 is raising eyebrows in the investing community. Let's break down what this change means for tax-loss harvesting and how it could affect your strategy.
investing
Is TD's $9.99 Commission Still Worth It for Your RESP and RDSP?
Exploring the reasons behind TD's commission fees in 2025 and whether it's time to consider switching brokers for your RESP and RDSP investments.
investing
Understanding Wash Sales with Your IRA and Taxable Accounts
Dive into the nuances of wash sales and how they impact your taxable and IRA accounts when trading the same ETF.
investing
Beware the TFSA Day Trading Trap
Frequent trading in a Tax-Free Savings Account can risk reclassification as business income by the CRA, so it's essential to understand the rules.
investing
To DRIP or Not to DRIP: Navigating Cash Distributions from High Yield ETFs
Explore the pros and cons of automatic reinvestment versus taking cash distributions from high yield ETFs, focusing on tax management and flexibility across brokers.
investing
Navigating Phantom Distributions in Your All-in-One ETF
Learn how rebalancing in your all-in-one ETF can lead to unexpected taxable distributions and discover strategies to avoid surprises next year.
investing
Navigating FHSA Transfers: What to Do When Wealthsimple Blocks In-Kind Moves
Discover the ins and outs of transferring your FHSA holdings, especially when dealing with cash-only policies at Wealthsimple. Learn what CRA forms you need and how to make your investment migration smoother.
investing
Is Norbert's Gambit Still a Smart Move in 2025
Exploring the viability of Norbert's Gambit in 2025 amidst new journalling fees and broker FX spread changes.
investing
Transferring Losing Stocks to Your TFSA and Capital Losses Explained
Explore the implications of transferring losing stocks into your TFSA and how Canada's superficial loss rule affects your capital loss claims.
investing
Navigating Your Investment Options for a Bright Financial Future
Feeling overwhelmed as a young investor? Let’s break down how to make the most of your TFSA, RRSP, and non-registered accounts so you can build a solid investment strategy.
investing
Holding USD ETFs in Your TFSA Can Be a Smart Move
Exploring the benefits and potential pitfalls of holding U.S. Dividend ETFs in your TFSA, with a focus on currency implications and tax considerations.
investing
Renting Forever and Investing the Difference Makes Sense
Exploring the benefits of renting versus buying a home while investing in stocks for flexibility and financial growth.
investing
The $900 Wake-Up Call: Understanding ETF MERs
Discover how a $900 annual fee can teach us valuable lessons about investing in ETFs and managing costs.
investing
Top Sources for Staying Updated on Finance and Investing
Discover the best podcasts, websites, and apps to keep you in the loop on finance and investing news.
investing
Top Sources for Canadian Finance News You Can Trust
Discover where savvy investors turn for the latest in Canadian finance news, from well-known publications to niche newsletters.
investing
Are Redditors Richer Than Average Canadians? Let's Dive In
A fascinating comparison reveals that PFC Redditors are more affluent and invested than the average Canadian. But what does this mean for the rest of us?
investing
Finding Your Balance: How Often to Rebalance Your ETF Portfolio
Discover the art of rebalancing your ETF portfolio and learn how often you should do it for optimal investing.
investing
Is Dollar-Cost Averaging with $50 a Month Worth It?
Exploring the benefits of dollar-cost averaging even with a small investment of $50 a month.
investing
Canadian ETFs vs. S&P 500: What’s the Best Move for You?
Explore whether Canadian ETFs or investing in the S&P 500 is the right choice for your financial future, especially from a Canadian perspective.
investing
Maximizing Your Savings Game with Group RRSPs and TFSAs
Even with a matched Group RRSP and a solid TFSA, it can feel tough to save more. Let’s explore how to tackle those expenses and level up your savings strategy.
investing
Why You’re Not Behind and How to Invest Smartly Now
Feeling financially insecure despite savings? Let’s explore how to invest wisely and take charge of your financial future.
investing
Choosing the Right Home for Your TFSA Matters
Explore why the institution you pick for your TFSA can impact your investment experience, and discover how to find the best options for low fees and flexibility.
investing
Make Your $50 Monthly TFSA Contribution Work Harder
Discover how to supercharge your TFSA with smart investment choices and strategies, even with a $50 monthly contribution.
investing
Starting Your TFSA Investment Journey
A fun and friendly guide for 18-year-olds diving into TFSA investing with ETFs.
investing
Cash in a TFSA HISA or ETFs for Your Future Goals
Deciding between a high-interest savings account and ETFs for short-term savings can be tricky. Let's break it down in a fun way.
investing
Maxing TFSA vs. FHSA for Your Dream Home
Deciding whether to max out your TFSA or focus on the new FHSA can feel like choosing between Batman and Superman—both are great, but they serve different purposes. Let's break down how to make the best choice for your home-buying journey.
investing
Finding the Right Rhythm for Rebalancing Your ETF Portfolio
Discover how often you should rebalance your ETF portfolio to keep your investments on track while avoiding unnecessary stress.
investing
Is Dollar-Cost Averaging with $50 a Month a Smart Move?
Discover the benefits of dollar-cost averaging even with a small investment amount like $50 a month, and learn why starting now can be better than waiting.
investing
Choosing Between Canadian ETFs and the S&P 500
Explore the pros and cons of investing in Canadian ETFs versus going all-in on the S&P 500, helping you make an informed decision tailored to your financial goals.
investing
Building a Wise Financial Foundation Before 30
Discover essential financial habits for young adults under 30 to establish a strong financial future, from budgeting to smart living choices.
investing
Smart Steps for Wealth Growth with Dual Incomes and No Rent
Learn how to maximize your financial potential with dual incomes and living rent-free, focusing on smart savings, investments, and future planning.
investing
Unlocking Your Savings Potential Despite a Solid Foundation
Even with a Group RRSP and a healthy TFSA, expenses can still feel overwhelming. Let's explore how to optimize your finances and boost your savings.
investing
Grow Your Money Wisely from Your Part-Time Job
Discover how to make the most of your hard-earned cash from your part-time job with smart saving and investing tips.
investing
Starting Your Investment Journey as a Young Adult
Dive into the essentials of investing as a young adult, weighing the benefits of building an emergency fund against diving into diversified ETFs like VEQT or VGRO within a TFSA.
investing
Smart Moves for Your Big Inheritance Windfall
Discover a playful yet practical approach to investing your $100K inheritance wisely, even at 18.
investing
Feeling Behind on Savings? Here’s How to Jumpstart Your Investing Journey
If you're 31 and feeling like your savings aren't enough, it's time to explore how to invest wisely. With a solid income and savings, you can build a path to financial security.
investing
Smart Money Moves for Your 20s
Explore the best strategies for putting your money to work while having fun in your 20s, from saving to investing wisely.
investing
Boost Your TFSA with Smart Investing
Discover how to make your $50 monthly contributions to your TFSA work harder for you with smart investment choices and strategies.
investing
Choosing a Low-Fee ETF for Your TFSA
Discover the benefits of investing in broad ETFs like VEQT and VGRO for your Tax-Free Savings Account to spread risk and simplify your investment strategy.
investing
What to Put in Your TFSA When You’re New to Investing
Discover the best investment options for your TFSA, including XEQT and other strategies for beginners.
investing
Choosing the Right Place for Your TFSA Matters
Discover why the choice of financial institution for your TFSA can impact your investing journey, from fees to flexibility in your investments.
investing
Kickstart Your TFSA Investing Journey
Dive into the world of investing with a TFSA. Learn how to start investing in ETFs and set yourself up for financial success.
investing
Fetch Your Future with a Paw-sitive Investment Strategy
Unleash the power of behavioral finance to create a smart investment strategy that keeps your financial future bright and tail-wagging good.
investing
Fetch Your Fortune with Canine-Inspired Investment Strategies
Unleash your financial potential by building a pawsitive investment portfolio using canine-inspired strategies. Learn how to fetch your fortune with playful insights and smart tips.
investing
Retirement Accounts Explained: Your Golden Ticket to Financial Freedom
Dive into the world of retirement accounts and discover how they can be your ultimate sidekick in achieving a stress-free retirement. From 401(k)s to IRAs, let’s break it down in a way that even Tony Stark would appreciate.
investing
Stock Market Basics for Beginners: Your Guide to the Financial Playground
Dive into the stock market with confidence! This guide breaks down the basics, helping you understand how to start investing like a pro while having fun along the way.
investing
Diversification: Don't Put All Your Eggs in One Basket
Ever heard the saying 'Don't put all your eggs in one basket'? In finance, it's more than just a catchy phrase—it's a strategy that can safeguard your investments like a superhero cape. Let's dive into the fun world of diversification and learn how to spread those investments around for maximum impact!
investing
Compound Interest: Your Money's Superpower
Discover how compound interest can turn your savings into a financial superhero, making your money work harder while you kick back and binge-watch your favorite shows.
investing
Index Funds: The Lazy Investor's Best Friend
Discover why index funds are the go-to choice for those who want to invest wisely without the fuss. They offer a simple, low-cost way to grow your wealth while you binge-watch your favorite series.