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Welcome to the site – happy to have you!

Over the years of running this blog I’ve written a bunch of blogposts (I mean hundreds) about saving and investing.  

In doing so, we’ve almost reached our financial goals.  We’re not quite there yet but getting very close.

How did I get this far?

For one, I need to tell you I’m far from a perfect saver and investor.  But you don’t have to be perfect.  

You just need the following behavioural ingredients:

  1. Save early
  2. Save often
  3. Keep your money management fees low (consider using low-cost ETFs)
  4. Diversify your investments
  5. Maximize contributions to your registered accounts first (i.e., max out TFSA and RRSP before taxable/non-registered investing)
  6. Stay the course.

Please take a few minutes to browse through some of my past work below and over here on the Archives page.

You can also type in “TFSA”, “RRSP”, “RRIF”, “retirement” and any other keywords into my search bar to find what you are looking for.

If you don’t find what you are looking for then please Contact me.  I might turn your question(s) into a blogpost.  Thanks for subscribing to my site!

Just Starting Out – How To Get Started With Investing

Just Starting Out – Saving and investing resources for newbies

How to Start Investing in Dividend Paying Stocks

Try This Average Retirement Plan To Wealth

Just Starting Out – Help Needed

Millennials Can Get Rich Slowly!  FREE ebook here!

Just Starting Out – A primer for opening your online brokerage account

Just Starting Out – Pay Yourself First

Millennials – Just Starting Out

Why I Own ETFs (and you should too!)

Dividend Stock Selection Made Easy


101 Stuff

Asset Classes

Asset classes are a grouping of securities that exhibit similar characteristics and usually behave the same way.  The three main asset classes are equities (stocks), fixed-income (bonds) and cash equivalents (money market instruments).


A bond is a form an IOU or loan.  The issuer of the bond owes the holder of the bond a payment, in the form of interest (also known as the coupon).

Guaranteed Investment Certificates (GICs)

GICs are a special kind of IOU. You agree to lend the bank or a financial institution money for a set term.  That could be 6 months, 1 year or many years. You don’t pay fees when you buy a GIC.  The longer the term the higher interest rate you will earn. You are guaranteed to get your deposit back. 


A security that signifies ownership in a corporation and represents part of the company’s assets and earnings.

There are two main types of stock: common and preferred. Common stock usually entitles the owner to vote at shareholders’ meetings and to receive dividends. Preferred stock generally does not have voting rights, but has a higher claim on assets and earnings than the common shares. For example, owners of preferred stock receive dividends before common shareholders and have priority in the event that a company goes bankrupt and is liquidated.


Diversification is a way to reduce risk by investing in many different asset classes.  Diversification relies on the lack of any strong relationship between asset classes.  Meaning, if stock prices rise, bond prices usually fall.

Within your investment portfolio you’ll want to diversify your equities as much as possible.  This means you’ll want to own equities from different industry sectors and different countries around the world.

Exchange Traded Funds (ETFs)

An Exchange Traded Fund (ETF) is a low-cost version of a mutual fund that trades like a stock.  To invest in ETFs you need a brokerage account.  Read about ETFs 101 here.

Mutual Fund

A professionally managed money product that pools money from many investors to purchase securities.