The guides
Plain-language answers to the money questions that actually matter, written for Calgarians. No jargon, no hype, no sales pitch.
Accounts · 7 min read
TFSA, RRSP, FHSA, RESP: which account should you fill first?
The most confusing question in Canadian money, answered in plain order. A simple priority list for where your next dollar should go.
Home · 8 min read
What you actually need to buy a first home in Calgary
The real down payment number, how the FHSA fits, and why Calgary is a very different math problem than Toronto or Vancouver.
Basics · 6 min read
Escaping paycheque to paycheque on a Calgary income
A calm, step by step way out that works even with boom and bust oil money. No shame, no budgeting app you will quit in a week.
Debt · 6 min read
Should you pay off student loans or start investing?
The honest answer depends on one number: your interest rate. Here is the simple rule, and the Canadian tax angle most people miss.
Investing · 8 min read
Investing 101 for people who think it is basically gambling
Why index funds are the opposite of a hot stock tip, how to start with $50, and the anti crypto hype take on building real wealth.