Your First $10,000: What Order to Fill Your Accounts
You finally have $10,000 to invest – which account gets it first? Fill them in order of free money, then tax efficiency: buffer, match, debt, FHSA, TFSA, RRSP.
Your First Year in Canada: The 4 Planning Decisions Before April 30 (That Your CPA Can’t Make For You)
Your first year in Canada runs on two calendars. Your CPA’s deadline is April 30 — but your planning decisions are due in the first 90 days. Here are the 4 decisions only you can make, from a Calgary CFP who works with newcomer families.
Pay Down Debt or Invest? A Simple Decision Rule
Should your spare cash pay down debt or go into investments? Rank every dollar by its guaranteed return and clear anything above about 6 to 8 percent first.
How Much Emergency Fund Is Actually Enough?
How much emergency fund is enough? Size it to your essential bills: 3 months if your income is steady, 6+ if it’s variable, plus where to keep it.
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