FIRE Guide Real vs Nominal Returns: Why It Matters for Your FIRE Number Two people can plug the exact same portfolio and spending into a FIRE calculation and get wildly different answers, not because either one is wrong, but because one worked in nominal terms and the other worked in real terms. This guide explains […]
Real vs Nominal Returns: Why It Matters for Your FIRE Number Read More »
Investing Guide US Withholding Tax: Should You Hold VOO in a TFSA or RRSP? If you are a Canadian buying US index funds like VOO, QQQ, or VFV, there is a quiet tax that most beginners never notice: US withholding tax on the dividends those funds pay. Understanding how US withholding tax works in a
US Withholding Tax: VOO in a TFSA or RRSP? Read More »
How to budget for FIRE: the expenses that disappear when you retire, the one-time changes that swing your number, and why your budget matters more than your withdrawal rate.
How to Budget for FIRE: The Expenses Most People Get Wrong Read More »
Investing Guide How to Calculate ROI (Return on Investment) To calculate ROI, subtract what an investment cost from what it is now worth, divide that profit by the original cost, and multiply by 100 to get a percentage. It is the simplest way to measure how much you earned relative to what you put in.
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What Barista FIRE means: semi-retiring once your portfolio covers most of your expenses and a part-time job covers the rest, plus how it differs from Coast FIRE.
What Is Barista FIRE? Read More »
What a marginal tax rate is in Canada, how to find yours from the combined federal and provincial brackets, and how it differs from your average tax rate.
How to Calculate Your Marginal Tax Rate in Canada Read More »
