Category
Saving
Articles on Saving.
First tuition bill this fall? Get the RESP withdrawal order right
RESP withdrawals aren't one button — there are two kinds of money in the account, and which one you take first can decide whether grant money gets stranded. Here's the order, the $8,000 first-semester limit, and the tax math.
Read the post →$400,000 sitting in cash at 65: the two mistakes to avoid
A big cash pile near retirement feels safe, but idle money and a careless drawdown order quietly cost tens of thousands. Here's the decumulation logic that protects it.
Read the post →TFSA or RRSP First? A Beginner's Framework for Deciding
Should you max out your RRSP or TFSA first? A plain-language framework built around your marginal tax rate, not rules of thumb.
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