The Next Tax Bracket Myth

Let’s bust a myth about working overtime. Some employees incorrectly believe that when earnings from overtime, a bonus, or salary increase pushes them into another tax bracket they’ll actually take…

Why We Ditched Our Endy Mattress And Went With Novosbed

This is the story of why we ditched our Endy mattress and chose Novosbed for our remodelled bedroom. Four years ago, my wife and I wanted to replace our 12-year-old…

10 Years Later: Vanguard’s Impact On Canadian ETF Investors

It’s hard to put into words the impact Vanguard has made on the investment industry and for individual investors. Perhaps Warren Buffett described it best when he paid tribute to…

FIRE Community Guest Interview #20 – Canadian Expat Super Charging His Family’s Path to FI In The Middle East

Hey everyone! Here we are again with our next installment of the FIRE Community Guest Interview Series!   For anyone new here, this interview series will cover people within the FIRE…

How FIRE Changes Your Perception of Time

Back in 2014, the year before I quit my job to travel the world, there was only one picture on my phone I’d taken that whole year, and this was…

Your Retirement Readiness Checklist

A good portion of my financial planning clients are in what I’d call the retirement readiness zone, meaning they are 1-5 years away from retirement. They want a check-up on…

What Will It Take For You To Save More This Year?

I know it can be tough to save money. It’s even more difficult to up the ante and save more year-after-year. But saving is necessary to meet both our short-and-long…

Our 2021 Finances

After the terrible experience in 2020 of being holed up away from family and friends, Christmas and New Year’s 2021 was a significant improvement. I mean, sure, we had to…

2021 Investment Returns

Happy New Year! 2021 was another crazy year for investors. Unlike 2020, which saw global stock markets shrug off a 30% decline before posting positive returns for the year, 2021…

Net Worth Update: 2021 Year-End Review

Last year we reached the million-dollar net worth milestone. The goal itself wasn’t life changing, by any means, but it was something we had been striving to hit for nearly…