Does home equity count toward your FIRE number? Why a primary residence does not, when it does, and how housing costs set your number via the 25x rule.
Does Home Equity Count Toward Your FIRE Number? Read More »
What return rate to use for FIRE projections: why recent bull-run returns mislead, real vs nominal, and the three-rate stress test to run instead.
What Return Rate Should You Use in Your FIRE Projections? Read More »
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 »
