Learning paths / Path 2
Use your accounts the way they were built.
6 lessons on the rules that decide what your accounts are worth: room, deadlines, deductions and penalties. Each one is checked against the CRA page it comes from. About 5 minutes each.
Saved on this device only. No account. We only count, anonymously, that a lesson was finished.
You know the rules of your accounts. 🌱
You can now work out your own room, read the FHSA and RRSP rules, plan a first-home stack and avoid the common penalties. The next path goes one level deeper, and the Sunday email adds one lesson a week.
Next path: Know What You Own →Get the Sunday lesson6 lessons, in order
Each lesson builds on the one before. Do one a day or all of them in one sitting.
- 5 min
TFSA room, exactly
The formula for your room, why your CRA account can mislead you, and how the penalty works.
- 5 min
The FHSA clock
Who can open one, how the room builds, what counts as a qualifying withdrawal, and what happens if you never buy.
- 5 min
The RRSP is a deferral
What the refund really is, the tax-rate test against a TFSA, and what withdrawals cost.
- 4 min
The first-home stack
How the FHSA and the Home Buyers' Plan work together, and which one you have to pay back.
- 5 min
Outside the shelters
How interest, dividends and capital gains are taxed in a regular account, and the records you have to keep.
- 5 min
New to Canada
When your room starts, why filing a tax return matters, and what changes if you leave.
Put the lessons to work
Free tools that use your own numbers. Your numbers stay in your browser.
Where to go from here
Each path stands on its own. New ones are announced in the Sunday email first.
Start Here
For anyone starting from zero: your accounts, what is inside them, ETFs, fees and the habit.
Path 3 · 5 lessonsKnow What You Own
For anyone who holds a fund: what is inside it, how concentrated it is, and where the income comes from.
Read a business
How to understand a company like an owner. No stock picks.
One idea, one move, one number. Five minutes. Free, and the 64-page Field Guide is yours when you join.