All our articles

My 3-step strategy. TFSA first, RRSP next — and why you can have multiple TFSA accounts.

My 80/20 strategy, how to choose your ETF and why I chose QQC.F in my Wealthsimple TFSA.

An honest comparison of Canada's 5 brokerages. The real impact of fees on small invested amounts.

Personal summary and application. $50 every 2 weeks projections over 20 years — the numbers are surprising.

Pay yourself first, sell what you don't use, increase your income. Short courses in Quebec included.

What I wish I'd known earlier. Mindset, multiple income streams, financial freedom — my honest journey.

My books, podcasts and free resources for learning personal finance in Quebec.

Single mother, entrepreneur, computer science student. How I've been saving since the pandemic.

Emergency fund ≠ investments. EQ Bank vs Wealthsimple vs Questrade — honest comparison for 2026.

There's no single right answer. Time horizon, risk tolerance, emergency fund — how to choose the strategy that fits your situation.

T-bills, CBIL.TO, TBIL.TO — how to access them, their tax advantages and limits compared to growth ETFs.

Find the profession that matches your profile. Real salaries, study duration, remote work, job prospects — filter by your criteria.

Honest analysis: permanent vs. term insurance. Understanding the psychology, real costs, and whether it's truly the right strategy for you.

Understanding personal taxation lets you legally reduce your taxes, avoid costly mistakes and make better decisions. Plus an accessible course from Collège Ahuntsic.

Account fees, the management expense ratio (MER) and hidden fund costs: where to find them, how to compare them, and why a few tenths of a percent are worth tens of thousands of dollars.

Overlap, false diversification, all-in-one ETFs and fees: a simple three-question framework to decide the right number of ETFs.

TFSA, RRSP and non-registered accounts: what truly sets them apart, what to hold in each, and the order to contribute to optimize your savings.

Leverage is not just debt. Time, taxes, automation, skills: seven levers to build your wealth without borrowing a cent.

Where to learn AI for free, which tools to use and at what price, and how to turn the time saved into capital. Base44, ChatGPT, Gemini, Manus, Claude.

Five questions to test what you know about investment fees: MER, hidden costs and their effect over thirty years.

Stop chasing more income and build a system of assets: invest every month and decide in advance where each dollar goes.

High dividends or pure growth? The right choice depends not on trends but on your stage: accumulation or decumulation.

Where the 13% yield of these covered-call ETFs comes from, what the headline rate hides, and who they truly exist for.

Real salaries and official outlooks from the Government of Canada Job Bank for 7 occupations, plus the actual training path in Quebec. Not the TikTok lists.

Home equity, HELOC, Smith Manoeuvre: the mechanism explained, a worked example with three outcomes, and the real risks. Nothing sold.

Infinite banking, participating whole life insurance, policy loans: the real mechanism, a worked example, and the costs the videos leave out.

The five factors, the three costly myths, and the concrete math: one extra percentage point on a mortgage is more than $62,000.

Subsidized courses from $30, online and in the evening. And prior learning recognition, when experience already equals a diploma.

Consignment, Poshmark, instant buy-back: the right platform for the right item. And why I walked away from Facebook Marketplace.

Salary bands, total compensation, internal equity, anchoring: the rules of negotiation, seen from the other side of the table.

Stock, index, ETF: the whole thread from start to finish, the ten major indexes, and the five criteria that separate two identical ETFs.

Three factors, a 97% chance of escaping poverty, confirmed in Canada. The numbers, the honest criticisms, and the method you can take from it.

The RRSP is not tax avoided, it is tax deferred. Order of withdrawals, RRIF, QPP, OAS, and the bill at death.

TFSA, RRSP or non-registered, explained simply. What to buy inside to start, and the most popular ETFs for beginners.