Clear money advice
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Subscribe to The Smallbird BriefFoundation Series
Why Invest at All? Why Saving Isn't Enough
Saving keeps your money safe, but inflation slowly shrinks it. Here's why investing, not just saving, is how Canadians build real wealth over time.
Part 2Before You Invest: Building Your Financial Foundation
Before you buy your first investment, four things put in place first decide whether it sticks: clear goals, steady cash flow, high-interest debt, a cushion.
Part 3How Big Should Your Emergency Fund Be?
Three months of expenses or six? Here's how to size your emergency fund to your own situation, where to keep it, and how to build it without stalling.
Part 4TFSA, RRSP, and FHSA: How Canada's Registered Accounts Work
The TFSA, RRSP, and FHSA explained simply: how each Canadian account taxes your money, who each one suits, and why they're buckets you fill, not investments.
Part 5Which Account Should You Fund First?
Can't max your TFSA, RRSP, and FHSA all at once? Here's a simple order for funding them, and how your income and goals change where your money goes first.
More posts
The Real Cost of a 2% Fee Over a Lifetime
A 2% fee sounds tiny, but over an investing lifetime it can take a huge slice of what your money would have been worth. Here's the math.
WelcomeWelcome to the Smallbird Blog
What this blog is for, who it's for, and the money topics I'll cover here.
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