Posts Tagged ‘financial planning’
National Post article: Should a couple in their 40s buy or rent in Toronto to afford retirement?
Should you buy a home, keep renting, or invest the difference? A couple in their 40s recently moved from Calgary to the GTA. They own three rental properties in Calgary and are trying to decide which path will give them the most comfortable retirement. In my latest National Post financial planning case study, I compare…
Read MoreBuilding Wealth Through Your Workplace: The Complete Guide to Group RRSPs, DPSPs & Employer Contributions in Canada
How to make the most of workplace retirement savings – without treating your employer plan as your entire financial plan. For Canadian employees who want to understand what their employer is contributing, what they need to contribute, and how the workplace plan fits with the rest of their financial life. Core idea Your workplace retirement…
Read MoreHave You Thought of Turning the Doom Off? How Doomerism Is Quietly Wrecking Your Retirement
Have you thought of turning the doom off? That’s the question the awesome song Nothing Went Foom by Bright Mirror keeps asking. And it’s the right question — because doomerism has a track record, and the track record is that nothing went foom. Not the nuclear winter. Not the population bomb. Not Y2K. Not the…
Read MoreUnderstanding Your Full Compensation Package: It’s More Than Just Your Salary
Your salary is only the starting point. The real value is everything working around it. When I sit down with clients and we start talking about income, almost everyone leads with one number: their salary. And that makes sense. It is the most visible part of what you earn. But once we look a little…
Read MoreYour FREE Tickets to the 2026 Canadian Financial Summit – Watch My 3 Talks
The online Canadian Financial Summit is coming up October 21–24, 2026. It’s Canada’s top personal finance event of the year! As a reader of the Unconventional Wisdom blog, here are your FREE tickets to the Summit. With your FREE ticket, you can watch talks from some of Canada’s leading personal finance and investing experts, with…
Read MoreUnderstanding Your Borrowing Options: Student Loans, Car Loans, Credit Cards, Lines of Credit & More
A practical Canadian guide to choosing debt intentionally before you sign. Borrowing Is a Tool – Context Is What Matters At 18-25, borrowing decisions can arrive quickly: a first credit card, a car you need for work, tuition that is due before your summer income arrives, or a line of credit that promises flexibility. The…
Read MoreEarly Diagnosis – How I Beat Cancer
Here’s my story. On July 30th I was diagnosed with prostate cancer. Intermediate aggressive. Gleason score 7. Not the slow kind you watch. Not the slow growing kind that most men eventually get. The kind that is growing somewhat aggressively. 19 days later — August 18th — I had surgery. I am now 100% cancer…
Read MoreEntrepreneursBreak article: Ed Rempel on Why Free Markets and the Stock Market Build True Wealth
I was recently featured in EntrepreneursBreak discussing why I believe free markets and the stock market have been such powerful drivers of prosperity and long-term wealth. In the article, I look at: One thing I’ve seen repeatedly after looking at the complete finances of thousands of Canadians: people who build significant wealth usually own productive…
Read MoreHow to Make Financial Decisions When You Don’t Feel Ready
A practical guide to making your first big money choices without waiting for perfect confidence. THE CORE IDEA Readiness is not a feeling you have to wait for. A good financial decision is one where you understand the trade-offs, can afford the downside, and have room to adjust if life changes. Some of the biggest…
Read MoreShould You Pay Off Your Mortgage Early or Invest Instead?
For many Canadians, becoming mortgage-free as quickly as possible feels like an obvious financial goal. But I think there’s a more important question to ask first: Once your mortgage is paid off, what percentage of that former mortgage payment will you actually invest? I call this the 95% test. If you pay off your mortgage…
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