Hey Reader ♥, March 8th was International Women's Day, and for the rest of the month, we will see posts with inspiring graphics celebrating women, achieving dreams, and breaking glass ceilings. But here's what they won't tell you: Half of that celebration is meaningless if you don't have financial confidence. Because financial confidence isn't just nice to have. It's how you navigate life. The Statistics Nobody Talks About Let's talk about what actually happens to women when they don't...
26 days ago • 4 min read
Hey Reader ♥, Seventeen years ago, the government introduced the TFSA. I thought it was a savings account for vacation money. So I kept maxing out my RRSP, getting those fat tax refunds, and feeling like I was doing the responsible financial thing. Last year, I went over my accounts and realized something that made my stomach drop: My RRSP? Incredibly healthy. Twenty years of contributions, compounding beautifully, massive growth. My TFSA? Nearly empty. And I suddenly understood: I've been an...
about 1 month ago • 4 min read
Hey Reader ♥, I got off the phone with a journalist this month asking me about emergency funds, and honestly? The conversation made me realize something. A lot of you are sitting on emergency funds, feeling guilty about it. The stock market is up. Your friend just posted about their portfolio gains. Meanwhile, your $15,000 is sitting in a savings account earning 4%, and you're thinking: "I'm wasting money. That could be growing. I'm being too cautious." So let me tell you something I wish...
about 2 months ago • 5 min read
Hey Reader ♥, The RRSP contribution deadline is March 2, 2026, and if your inbox looks anything like mine, you're being bombarded with messages: "Last chance to contribute!" "Don't miss out on your tax refund!" "Act now before the deadline!" The urgency is real. The pressure is intense. And a lot of you are about to make panic-driven decisions that look good in February but mess up your finances for the rest of the year. So before you scramble to contribute, borrow money to hit your limit, or...
about 2 months ago • 7 min read
Hey Reader ♥, I need to tell you something embarrassing. I contributed $0 to my TFSA in 2025. Zero dollars. And I'm a CPA who's been managing my own investments for over 20 years. Here's what happened: Twenty years ago, when I started investing, there was only one choice: the RRSP. The TFSA didn't even exist yet—it wasn't introduced until 2009. So I did what every "responsible" person was told to do: I maxed my RRSP. Every year. Every chance I got. I learned about compound interest....
3 months ago • 3 min read
Hey Reader ♥, I logged into my CRA My Account last month to check something, and there it was staring back at me: $0. This is the actual amount I contributed to my TFSA all of 2025. My unused TFSA contribution room has been sitting there, barely touched, while I’ve been dutifully maxing out my RRSP for years. If you’re a personal finance junkie reading this, you’re probably cringing. And honestly? You should be. I’m a CPA. I literally advise people on their finances for a living. And I’ve...
3 months ago • 5 min read
Hey Reader ♥, I came across something this week that's been sitting with me, and I wanted to share it with you. My friend Nechelle over at Her Future Wealth wrote a reflection on a YouTube video that stopped her in her tracks. It's called "55 and Broke: The Conversation Nobody Wants To Have" by Sheila Hammond. Sheila's story is raw and real: laid off in her mid-50s, nearly two years without work, trying to rebuild from a place that doesn't fit the neat financial scripts we've all been taught...
4 months ago • 4 min read
Hey Reader ♥, I almost missed it. The Bank of Canada announced their rate decision today, and my inbox didn't explode. My phone didn't blow up. Social media was... quiet. Because nothing changed. The rate held at 2.25%. And here's what I've learned after years of watching people's financial decisions: The biggest mistake you can make during a rate hold is assuming nothing's happening, so you should do nothing. Let me explain why this matters more than you think. What a Rate Hold Actually...
4 months ago • 5 min read
Hi Reader ♥, We're four weeks from the end of 2025, and I know what you're thinking about: holiday shopping, family gatherings, surviving December. Here's the thing: you're probably not thinking about taxes right now. But I am. Because I know what happens in April when first-gen professionals realize they left thousands on the table—money that could've gone toward supporting your family, building your wealth, or actually taking a break. The moves you make in the next four weeks aren't about...
4 months ago • 8 min read