What I Still Haven't Figured Out About Money
I run a personal finance site. Here is a confessional list of everything I have not yet resolved about money - and what I pray when the questions outnumber the answers.
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Showing results for "debt" - 63 found
TFSA vs RRSP: The Canadian Christian's Complete Decision Guide (2026)
TFSA or RRSP? The definitive Canadian Christian guide to choosing the right account, with a decision framework, real numbers, and a stewardship lens.
What Does the Bible Say About Money? More Than You Think
What does the Bible say about money? A thorough look at what Scripture teaches about wealth, debt, giving, and stewardship for Canadian Christian men.
The Christian Budgeting Guide for Canadians: A Biblical Plan for Your Money
Christian budgeting guide for Canadians: a biblical, step-by-step plan for managing your money, giving faithfully, and building financial peace in your household.
Tithing in Canada: 7 Biblical Answers to Questions Christian Men Actually Ask
The complete tithing guide for Canadian Christians, including the biblical case, gross vs. net income, CRA charitable donation tax credits, and a practical system to start giving faithfully this week.
A Letter to the Man Whose Father Never Taught Him About Money
If your father never sat you down to talk about money, the gap is real and it is not your fault. Here is a letter for the man carrying it.
Best Tax Software in Canada for 2026: File Accurately, Maximize Your Donation Credit
The best free and paid tax software in Canada for 2026. Wealthsimple Tax, TurboTax, StudioTax and more - reviewed with a focus on charitable donation credits for tithers.
The Provision Myth: What Christian Men Think It Means to Provide (And What It Actually Means)
Provision is not the same as income. A man can earn a great deal and provide poorly. A man can earn modestly and provide deeply. The difference is in what he sees.
Recommended Products & Tools for Canadian Christians
Every product, app, and platform I personally use or recommend for Canadian Christian families. Investing, budgeting, insurance, banking, and books - with honest notes on each.
Should I Join the Company RRSP? Group RRSPs Explained
If your employer matches contributions, joining the group RRSP is almost always the right move. Here is what to know before you sign up - or skip it.
What Generosity Does to You Before It Does Anything for Anyone Else
Most teaching frames giving as the fruit of a generous heart. Jesus says it the other way around. The treasure moves the heart, not the other way.
How to Build a One-Page Financial Plan (And Why One Page Is the Point)
Most men have a vague intention about money. A one-page plan makes it real; one page forces you to decide what actually matters.
A Letter to the Man Who Just Got Engaged
Congratulations. And: there are a few things about money worth saying before the wedding, from a man who learned some of them the hard way.
Best Budgeting App Canada 2026: An Honest Review for Christian Men
Best budgeting apps in Canada for 2026, reviewed by a Christian who actually uses them. YNAB, Monarch, Goodbudget and more with honest pros, cons, and Canadian pricing.
Why Most Christian Men Save Before They Give (And Why That's Backwards)
The order in your budget reveals the order in your heart. Most Christian men have that order inverted and don't know it.
Should You Pay Off Debt or Start Investing? The Canadian Christian's Answer.
Secular sites answer this with math. Christian sites answer it with Proverbs. Dan does both. And the answer is simpler than you think.
A Letter to the Man Who Just Got His First Raise
I drive a 2002 Toyota Camry I bought for cash. I love it. This is a letter about stealth wealth, guilt-free spending, and the freedom that comes from keeping it simple.
Stewardship Is Bigger Than Money
Most Christian men hear stewardship and think tithing. The word means more, and the smaller version is hurting us.
The RESP Guide for Canadian Christian Fathers (And Why the Government Will Help You Fund It)
The RESP is one of Canada's most underused accounts. The government will match your contributions 20 cents on the dollar. Here is how to start.
A Letter to a Young Man Starting His First Real Job
The decisions you make with your first real paycheque will compound for forty years. This letter is for the man at the beginning of that window.
The 2026 RRSP Contribution Deadline: What a Pastor Wishes You Knew Before March 1
The 2026 RRSP deadline is March 1, 2027. A pastoral guide to approaching it like a steward, not a last-minute filer.
Should Christians Invest in the Stock Market? A Biblical Answer
A pastor's honest answer to the question Christian men keep asking quietly: is investing godly, or just gambling with extra steps?
Should You Buy a House in Ontario? Run the Numbers First.
Homeownership is treated as a financial no-brainer in Canada. The real numbers are more complicated, and more honest, than most people realize.
Christian Personal Finance Canada: What This Site Is and Who It's For
There is no Canadian Christian personal finance resource that is actually Canadian and actually Christian. This is an attempt to build one.
You Don't Need a Perfect Budget. You Need a Plan and a Posture
Most men fail at budgeting not from laziness but from trying systems that require perfection to function. Here's a five-step framework that can survive real life, and the posture that makes it work.
Why Index Funds Are the Most Christian Way to Invest (And What Dave Ramsey Got Wrong)
Dave Ramsey has helped millions get out of debt. But his investing advice? The data says otherwise - and the stewardship case for index funds is stronger than you'd think.
Six RRSP Mistakes Canadian Christian Men Keep Making in Their Thirties (2026 Guide)
A pastoral guide to the six RRSP mistakes Canadian Christian men in their thirties make most often, and what stewardship looks like instead.
The Money Model I Never Inherited
Nobody taught me about money growing up. Here's what I built from scratch - and why your starting point isn't a deficit.
Small Spending, Long View
The habit cost calculator is not a guilt machine. The math on small daily spending is real, and using it wisely is different from using it to shame yourself.
The Borrower Is Servant: Why Debt Is More Than a Math Problem
Debt is not just an interest-rate problem. A Canadian pastor on what Proverbs 22:7 really means for your freedom, your calling, and your options.
Compound Interest and the Bible: Why Time Is Your Greatest Financial Asset
The parable of the talents isn't just about faithfulness. It's a story about what buried potential costs you - and why starting now matters more than starting with more.
Generosity Beyond the Tithe: What to Do With the Other 90%
The tithe is the floor of Christian giving, not the ceiling. The real stewardship question is what a man does with the remaining ninety percent.
How to Get Out of Debt in Canada: A Realistic Guide for the Man Who's Done Avoiding It
A plain guide to getting out of debt in Canada: the snowball method, the avalanche, what minimum payments actually cost you, and the step most men skip.
The Money Questions Worth Asking Before You Fall Too Far
Knowing your partner's relationship with money before marriage isn't suspicious. It's one of the most loving things you can do.
Tithe Calculator Canada: Gross or Net, and What That Means Here
How to calculate your tithe as a Canadian - the gross vs. net question, CPP and EI deductions, self-employment income, and a calculator that does the math.
Can You Actually Tithe When You Don't Have Much?
The honest answer to the question most Christian men are afraid to ask: what does faithful giving look like when every dollar is already spoken for?
Zero-Based Budgeting Canada 2026: A Complete Christian Guide
Zero-based budgeting gives every dollar a job before the month starts. Here's how to build one as a Canadian Christian - and why it changes everything.
Credit Card Debt in Canada: How to Stop the Cycle for Good
Why minimum payments were never meant to help you, how shame keeps men stuck for years, and the three things that have to happen at once to break the cycle.
The Money Shame Men Carry Alone
Most men will say almost anything before admitting to financial struggle. Here's what financial shame actually costs - and how to start naming it.
What Proverbs 22:7 Actually Means About Debt
Proverbs 22:7 says the borrower is slave to the lender. Is it a command or an observation? A Canadian pastor's honest look at what this verse means for debt decisions.
The Most Loving Hour of Paperwork You Will Ever Do
Estate planning is not about planning your death. It is about refusing to leave your family with a second tragedy after the first.
Starting Retirement Planning at 45: A Practical Guide for Canadian Christian Men
The Letter named the anxiety. This guide gives you the plan - five honest realities and five concrete steps for the man who is starting from where he is.
What Rebuilding Looks Like: On Trust, Money, and Starting Over
After a significant financial failure, the budget isn't what broke. Here's what actually needs to happen to rebuild trust - and how long it really takes.
How Much Emergency Fund Do You Actually Need? A Canadian Christian Man's Guide
Three to six months is the baseline, but circumstance moves it. Here is how to size, place, and build an emergency fund without it becoming a second idol.
The First Honest Money Conversation With Your Wife: A Practical Playbook
If you've been hiding the real number from your wife, here is how to finally tell her - with grace, and without blowing up your marriage.
She Has More Debt Than You Expected. Now What?
The debt itself rarely tells you as much as how she relates to it. Here's how to think clearly and keep thinking together.
How to Have the Money Talk Before You Get Married
Most couples who fight about money after marriage never talked about it before. Not because they didn't care. Because nobody showed them how.
What to Do With a Financial Windfall: A Canadian Christian Man's Playbook
A pastor's playbook for stewarding a tax refund, bonus, inheritance, or severance - before it evaporates.
A Step-by-Step Christian Guide to Getting Out of Debt in Canada
A practical, Canadian, step-by-step plan for getting out of debt - grounded in what the Bible actually says about money and stewardship.
The Christian's Guide to Buying a Home in Canada (2026): FHSA, RRSP HBP, and Faithful Stewardship
A complete guide to buying your first home in Canada as a Christian. FHSA, RRSP Home Buyers' Plan, mortgage strategies, and biblical wisdom for the biggest financial decision of your life.
Life Insurance for Christian Families in Canada: A Biblical Guide to Protecting Your Household
A practical guide to life insurance in Canada for Christian families. Term vs whole life, how much coverage you need, and why protecting your family is biblical stewardship - not a lack of faith.
How to Build Financial Resilience When Your Income Won't Stand Still
Standard budgeting advice assumes a steady paycheque. Here's a practical framework for households - ministry, contract, or otherwise - where income moves.
Money and Marriage: How We Navigate Two Incomes, Two Opinions, and One Budget
How Canadian Christian couples can manage money together - budgeting, combining finances, handling different money styles, and building unity around stewardship.
Raising Faithful Stewards: How to Teach Your Kids About Money
Age-appropriate ways to teach Canadian Christian children about budgeting, giving, saving, and earning - building lifelong stewardship habits.
The Complete Christian Guide to the TFSA in Canada (2026)
Christian guide to the TFSA in Canada for 2026. Learn contribution limits, investment options, and how to steward your TFSA faithfully as a Canadian believer.
A Christian Beginner's Guide to Investing in Canada (2026)
Christian investing guide for Canadian beginners. Start investing in a TFSA with biblical stewardship principles and practical Canadian-specific steps.
The Parable of the Talents: What It Really Says About Money and Investing
The parable of the talents is the closest thing in the New Testament to a direct endorsement of investing. Here is what it actually says about money, fear, and faithful stewardship.
Biblical Principles of Money Management That Actually Change How You Live
Biblical principles of money management for Canadian Christian men. Practical stewardship, debt freedom, budgeting, generosity, and contentment grounded in Scripture.
What Does the Bible Say About Budgeting? 5 Principles That Change How You Spend
What does the Bible say about budgeting? Discover 5 biblical principles for planning your money wisely, with practical steps for Canadian Christian families.
7 Biblical Steps to a Debt-Free Plan That Works in Canada
A biblical debt-free plan built for Canada: 7 steps to pay off debt using Scripture, a TFSA emergency fund, and a zero-based budget. Start tonight.
What Does the Bible Say About Debt?
What does the Bible say about debt? A biblical and pastoral look at what borrowing does to the soul and the family, with a practical plan to start getting free tonight.
Should You Tithe on Gross or Net Income? 3 Biblical Principles That Settle the Question
Should you tithe on gross or net income? A biblical and practically Canadian answer with real numbers, CPP nuance, and 3 principles that guide the decision.
The Best Canadian Christian Personal Finance Resources
A curated list of books, tools, calculators, and websites to help Canadian Christians manage their money with wisdom and faith.