jim & david Do you picture retirement as a time to relax, travel, and enjoy life’s simple pleasures? Most Canadians do. But what if those golden years are overshadowed by financial stress, health issues, or debt? While it may feel uncomfortable to think about, planning for the worst-case scenarios in retirement can ensure you avoid them altogether. With … Read more
Creating a personal budget may sound like a daunting task, but it doesn’t have to be. Whether you’re just starting out or have been trying to save for years, understanding how to manage your money better can significantly impact your future. Our brains are naturally programmed to follow routines, and when it comes to managing … Read more
Have you ever dreamed of retiring at 50 or 55, spending your days travelling, pursuing hobbies, or just relaxing with loved ones? It’s a vision many of us share, but making it a reality requires careful planning and discipline. The traditional retirement age of 65, as defined by the government and private pensions, feels like … Read more
Learn how Canadians can take control of their finances, save for the future, and make their money work for them. Why Does Money Always Feel Tight? Have you ever noticed that no matter how much your income grows, your expenses somehow grow right alongside it? If so, you’re not alone. This strange irony is something … Read more
What does retirement look like to you? Many of us have vivid dreams of what we’d like our retirement to be. For some, it’s endless days on the golf course. For others, it’s travelling the world, volunteering, or diving into new hobbies. But no matter how varied our retirement dreams are, achieving them boils down … Read more
The Great Disconnect: Why Our Spending and Saving Just Don’t Match Up Anymore Have you ever looked at your credit card statement and thought, “Where did it all go?” You’re not alone. More and more, we’re seeing a major disconnect between what we know we should be doing with our money and what we’re actually … Read more
Tax Season Doesn’t Have to Be a Headache: Run the Numbers, Save Big, and Learn as You Go! It’s that time of year again—tax season is almost upon us ! Now, before you sigh, hear me out. I get it; doing taxes isn’t exactly thrilling. Most of us look forward to tax time about as … Read more
Let’s face it: nobody enjoys handing over a big chunk of their hard-earned money to the tax man. And while we all know taxes help fund our roads, schools, and hospitals, the reality is that the more you earn, the more you pay. In Canada, this tax rate can reach up to 44% for high-income … Read more
We all love freedom—the freedom to choose, to act, to speak, and even to spend. Living in a democratic society like Canada, we’re fortunate to enjoy freedoms that many around the world can only dream of. We can speak our minds, worship as we choose, gather together, and advocate for what we believe in. But … Read more
Saving for the future is straightforward, yet many people avoid it. Why is that? Well, there’s a whole list of reasons why people dodge saving. This article dives into some of the most common reasons people don’t save, and why each of these excuses can get in the way of a better, more secure life. … Read more
