A Canadian money notebook
Plain-language notes, careful account comparisons, and one genuinely useful calculator for building wealth over time.
25-year illustration
$391,147
$10,000 today + $500 monthly at an estimated 6% return
Contributed
$160,000
Estimated growth
$231,147
Start here
Real household decisions are rarely tidy. These notes preserve the context, tradeoffs, and fine print that changed the answer.
Why one household moved through CIBC, Questrade, a group RRSP, and finally a transfer offer.
A headline match is only useful after the payout schedule, transfer terms, and account fit make sense.
For Canadians buying in USD, currency conversion can matter more than the trading commission.
Latest notes
I kept the Wealthsimple Visa Infinite+ because the fee is waived for our setup, the flat cash back can go straight back to investing once transactions settle, and the payment and phone-tap details are unusually thoughtful.
Read the noteCode EHJW9W opens Wealthsimple's live $25 signup offer. Here is the exact deposit rule, payout timeline, disclosure, and why the separate 5% credit-card headline needs an asterisk.
Read the noteMoving direct deposit felt less like a rate decision and more like tidying up the weekly money routine at home.
Read the noteOccasional correspondence
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