Ideas, methods, guides.
Short and concrete articles on wealth management. No promotion, no jargon — just useful mental tools.
- Real estate5 min
The welcome tax: the exact calculation, in Quebec and Montreal
The welcome tax isn't "about 1.5% of the price". It's a bracket table, Montreal has its own, and the bill arrives months after the purchase. The full calculation, with the 2025 brackets.
Read article - Investing4 min
TFSA limit 2026: how much can you really contribute?
The 2026 limit is $7,000, but your own limit is almost always higher, sometimes by a lot. It depends on your age, your past withdrawals, and a calendar rule that costs 1% a month to those who miss it.
Read article - Real estate7 min
What a home really costs in Quebec
A condo listed at $400,000 takes about $47,458 on signing day with 10% down, then $2,744 a month. Here is where every dollar comes from, and the two most calculators leave out.
Read article - Method5 min
How to track your net worth in 5 minutes a month
Your net worth is what you own minus what you owe. One number, once a month, and you finally know whether you're getting ahead. Here's how to work it out, with no spreadsheet and no bank syncing.
Read article - Investing6 min
TFSA or RRSP: which account comes first?
Under $55,000 of income, the TFSA first. Above $100,000, the RRSP. In between, it all comes down to your tax rate today versus in retirement. Here's how to settle it for your own case.
Read article - Basics7 min
The 5 asset classes to know when you're starting out
Wealth is built from five kinds of things: stocks, bonds, real estate, cash, and a few more exotic assets. What each one does for you, what it costs you in return, and how they fit together.
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