Plain-English guides to Canadian personal finance: choosing GICs and savings accounts, planning FIRE and Coast FIRE, and Canadian tax rules explained.
How to calculate Coast FIRE with a defined benefit pension: the gap method, a Canadian teacher example, bridge benefits, and what CPP and OAS add.
Coast FIRE with a Pension: How a DB Pension Changes Your Number Read More »
How capital gains tax works in BC: the 50% inclusion rate, combined federal and BC rates, a worked example, and the new BC home flipping tax.
Capital Gains Tax in BC: Rates, an Example, and the New Flipping Tax Read More »
FIRE Guide Real vs Nominal Returns: Why It Matters for Your FIRE Number Two people can plug the exact same portfolio and spending into a FIRE calculation and get wildly different answers, not because either one is wrong, but because one worked in nominal terms and the other worked in real terms. This guide explains
Real vs Nominal Returns: Why It Matters for Your FIRE Number Read More »
Investing Guide US Withholding Tax: Should You Hold VOO in a TFSA or RRSP? If you are a Canadian buying US index funds like VOO, QQQ, or VFV, there is a quiet tax that most beginners never notice: US withholding tax on the dividends those funds pay. Understanding how US withholding tax works in a
US Withholding Tax: VOO in a TFSA or RRSP? Read More »
How to budget for FIRE: the expenses that disappear when you retire, the one-time changes that swing your number, and why your budget matters more than your withdrawal rate.
How to Budget for FIRE: The Expenses Most People Get Wrong Read More »
Investing Guide How to Calculate ROI (Return on Investment) To calculate ROI, subtract what an investment cost from what it is now worth, divide that profit by the original cost, and multiply by 100 to get a percentage. It is the simplest way to measure how much you earned relative to what you put in.
How to Calculate ROI (Return on Investment) Read More »
