Topic

Saving & investing

The accounts and the trade-offs: RRSP, TFSA, and where returns actually come from.

Three to six months of what? Sizing an emergency fund on the gap, not the salary

The most repeated rule in personal finance is also the least specific. What "three to six months" actually depends on: what keeps arriving when the paycheque stops, what must keep leaving, and why the same rule produces a $5,000 answer for one household and a $40,000 answer for another.

4 min read

Saving & investing

The fee you can't see: how an MER works, and what 2% really costs

Most Canadian mutual funds charge close to 2% a year, deducted before you ever see a return. Here's what that fee is made of, what it costs over a career, and how to find what you're paying.

5 min read

Saving & investing

RRSP vs TFSA: what each account actually does, and when one beats the other.

Two registered accounts, two completely different jobs. Here's what each one does to your taxes, when one tends to win, and why "which is better" is the question to set aside.

4 min read