Most Canadians have tens of thousands of dollars of tax-free TFSA room they've never used. Planted North is a 5-minute email that shows you how to use it: one idea, one move, one number a week.
Cumulative CRA annual limits, assuming you were 18+ and a Canadian resident every year and never contributed. Your real number is in CRA My Account.
The loud numbers change every second and make great headlines. The quiet ones decide where you end up. Planted North is about the quiet ones.
Here for perspective. It rarely changes what you should do this week.
Four things you control. Each Sunday issue works on one of them.
Market data from CoinGecko and TradingView, may be delayed. Shown for perspective only. Not a recommendation to buy or sell any security or crypto asset.
One mindset idea from people who build lasting wealth. Patience, systems, enough.
One small Canadian step for this week: open, automate, check your room, cut a fee.
One number worth knowing, explained in a sentence. Easy to forward to a friend.
What I'm doing, what's working and what isn't. Real life, not a highlight reel.
New readers start at Issue 1. No catching up, no jargon, no "you should have started in 2009".
Drag the sliders and watch where the growth actually shows up. This is why Planted North is about staying in the ground, not picking winners.
Illustration only. Assumes a constant return compounded monthly; real markets never move in a straight line. Not a forecast.
Planted North lands in your inbox before each one, with the one move to make.
Dates for the 2026 tax year. Confirm on canada.ca; deadlines can shift when they land on a weekend.
By day I keep a Vancouver building running: good systems, regular maintenance, no drama. I treat money the same way. I'm a regular Canadian with a paycheque, building wealth slowly and on purpose, and writing down everything I learn.
Planted North is the email I wish I'd had when I started. Calm, Canadian, and honest about the journey.
Yes. The Sunday email and the cheat sheet are free. If paid extras ever exist, the weekly email stays free.
No. Planted North is general education about how Canadian accounts and long-term habits work, plus my own journey. It isn't tailored to you. For decisions about your situation, talk to a qualified, registered professional.
No stock tips, no crypto calls, no "don't miss this". The market numbers on this page are there for perspective. The email covers accounts, habits, fees and mindset: the things you control.
Your TFSA room carries forward, so unused years are still waiting for you. The email starts from zero and assumes nothing.
Once a week, on Sunday. Occasionally a short update before a key date. One-click unsubscribe, any time.
Sometimes. If a link pays me (a referral or sponsor), I say so right next to it, with exactly what I get. Sponsored content is always labelled.
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