You don't need a big salary or a finance degree. You need a small deposit that runs every week, and someone to explain the rest in plain English. One idea, one move, one number, every Sunday. Built around Canadian accounts, but the habits work anywhere.
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≈ $7 a day. About one fancy coffee. Illustration only: real returns go up and down.
Crypto, AI and hot stocks get the headlines. Accounts, fees and habits build the wealth. Every Sunday you get both, in five minutes, in plain English.
How crypto fits a long-term plan, what a crypto ETF actually is, and why position size matters more than timing. No coin calls, ever.
The prompts worth trying, the mistakes AI makes about Canadian rules, and how deepfake investment scams work. Try it now: ask anything.
One ETF can hold hundreds or thousands of companies. What that means, what it costs, and why the fee line matters.
TFSA room since 2009, if you've never used it.
Why the early years feel like nothing is happening, and why that's the part that matters most.
When half of a 30-year curve finally shows up.
Once a month: what I automated, what slipped, what I changed. Percentages, never picks.
Total TFSA room for someone 18+ in Canada since 2009 who has never contributed.
CRA annual limits, 2009–2026About what $50 a week could become over 30 years at an illustrative 6% a year. You'd put in $78,000.
Illustration, not a forecastRoughly what a 1% fee can cost versus 0.2% on that same $50 a week over 30 years.
Illustration at 6% before feesOne first-time buyer's home stack: FHSA ($40K lifetime) plus the RRSP Home Buyers' Plan ($60K).
Before any growthYearly FHSA room, but only once you open one. Deduction in, tax-free out for a first home.
$40,000 lifetimeLost to fraud by Canadians in 2025, a record. About half was investment fraud.
Canadian Anti-Fraud CentreThe expected 2027 TFSA limit based on inflation indexing. Official number usually lands in November.
Expected; confirm with CRACompounding means your money earns returns, then those returns earn returns. In the early years it feels like nothing is happening. That's when most people quit.
You're not giving money up. You're sending it ahead. At an illustrative 6%, every $1 you send ahead at 30 arrives as about $8 at 65. Wait until 45, and it arrives as about $3.
Pick an amount you won't miss, even $25. Set an automatic transfer from your chequing account to your TFSA on payday.
For over two years, a small deposit has gone into my TFSA every week without me touching it. I barely notice it anymore.
I'm Lucas. Seven years ago I moved from Brazil to Vancouver, a city where it rains sideways and the rent is priced as if the mountain view were included. I worked part-time and counted every dollar. TFSA, FHSA, RRSP: to me it was alphabet soup.
So I learned it the slow way. A few dollars at a time, a lot of reading, and more mistakes than I'd like to admit.
Then one boring change did more than all of it. Three months of expenses set aside. A small deposit that invests itself every week. Today I barely notice it, and for the first time I have peace of mind about money.
Planted North is the email I wish someone had sent me the week I started investing. I write it for the people around me who are where I was, and because a promise to you every Sunday keeps me on my own plan.
I believe in Bitcoin, and I'll tell you why. I'll never tell you what to buy.
Yes. The Sunday email, the 64-page Field Guide and the TFSA vs FHSA vs RRSP cheat sheet are free. If paid extras ever exist, the weekly email stays free.
No. It's general education about how investing, 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 registered professional.
Yes, as topics to understand: how they work, how they fit (or don't) in a long-term plan, the risks and the fees. Never as "buy this now".
No. Unused TFSA room carries forward, so it's still waiting for you. The email starts from zero and assumes nothing.
Once a week, on Sunday. Occasionally a short heads-up before a key date. One-click unsubscribe, any time.
You're welcome here. The accounts (TFSA, FHSA, RRSP) and rules are Canadian, but compounding, fees and habits work the same everywhere. Check your own country's rules before acting.
Join free and download the 64-page Canadian Investor's Field Guide right away, plus the one-page TFSA vs FHSA vs RRSP cheat sheet.
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