RRSP to TFSA conversion – Does it make sense?
In my 2025 wrap up post, a reader left a comment that caught my attention and piqued my curiosity: “Is it ever advisable to cash out RRSPs, and move it over to TFSAs?” As we …
Financial Independence
Financial Independence (FI) the most important part of Financial Independence Retire Early (FIRE).
Why is FI so important? Because being financially independence means that we can choose to work if we wanted to, not because we have to.
This blog is dedicated for chronicle our financial independence journey.
Planning our kids’ financial future: RESP, housing, and beyond
I really enjoy getting questions from readers, whether via the comment section or email. Due to the vast number of questions, unfortunately, sometimes I don’t have sufficient time to provide detailed answers. For that, I …
Keeping the spark: Pursuing FIRE and staying aligned on money
On paper, Financial Independence Retire Early (FIRE) is a simple concept – spend less than you earn, grow your savings gap, optimize your taxes, invest your savings, and wait for your money to compound over …
Dividend Growth rate vs. inflation – Is our portfolio actually keeping up?
When we had our financial epiphany back in 2011, we were drawn to dividend growth investing. Why were we attracted to dividend growth investing? First, we liked the idea that we could live off dividends …
The uncomfortable middle: when you’re financially independent but still working
Growing up, financial independence retire early (FIRE) had never been an unfamiliar concept to me. Seeing my dad retiring in his early 40s while I was a teenager and then having one of my cousins …
Early Retirement Q&A with Reader J
As you can imagine, a lot of planning is required to reach early retirement. Despite all the planning, projections, and running different scenarios, there will always be some level of uncertainty when it comes to …
Some creative RRSP and RRIF ideas for early retirement
Some people look at the RRSP and think it’s not a useful account to utilize for retirement savings because withdrawals (and also RRIF withdrawals when you need to convert RRSP to RRIF) are fully taxed …