Imagine asking a room of 70-year-olds what they'd do differently with money. The same five regrets come up, almost word for word — and every one of them was fixable decades earlier. Picture it: a community hall, thirty folding chairs, thirty Canadians in their seventies with a lifetime of paycheques, mortgages, and surprises behind them. You ask one question — "What do you … [Read more...] about The 5 Money Regrets Most Canadians Admit at 70
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What the Fed’s Rate Hikes Do to YOUR Wallet
The Fed just raised rates for the first time in over three years. So what does that actually do to your money? On September 16, 2026, the U.S. Federal Reserve did something it hadn't done since July 2023: it raised interest rates. The vote was unanimous — 12 to 0 — and the fed funds rate now sits in a 3.75% to 4.00% range. Most Fed officials signaled at least one more hike … [Read more...] about What the Fed’s Rate Hikes Do to YOUR Wallet
The FHSA 15-Year Trap (and the 3 Moves That Beat It)
Canada's First Home Savings Account is the best deal in Canadian personal finance: you get a tax deduction when money goes in, like an RRSP, and the money comes out completely tax-free for a qualifying home purchase, like a TFSA. It is the only account that gives you both. But it comes with a clock. And the clock is the trap. What the FHSA Is The FHSA launched in … [Read more...] about The FHSA 15-Year Trap (and the 3 Moves That Beat It)
How to Stop Worrying About Money: A Money Mindset Reset
How to Stop Worrying About Money: A Money Mindset Reset If money keeps you up at night, here is something you need to hear: you are not broken, and you are not alone. Money worry is one of the most common stresses people carry. Surveys year after year find finances near the top of what stresses people out — right up there with health and work. And here is the part nobody … [Read more...] about How to Stop Worrying About Money: A Money Mindset Reset
Stop Lifestyle Inflation: Keep More of Every Raise
You finally got the raise. After months — maybe years — of hard work, your boss hands you an extra $5,000 a year. You do the math on the drive home: that's real money. This is the moment things turn around. Then something strange happens. A year later, you are earning more than ever... and saving exactly nothing. The apartment is nicer. The car is newer. The weekends are … [Read more...] about Stop Lifestyle Inflation: Keep More of Every Raise