When Homeownership Becomes an Idol
Wanting a home is not wrong. But if you cannot imagine a faithful Christian life without owning one, something has gotten hold of you that needs naming.
Guides
Guides
49 articles tagged Guides
You Have Two Levers, Not Just One
When cutting isn't enough, most advice just tells you to cut more. There's a second move most people never use.
Is It Wrong to Be a Wealthy Christian?
The Bible is full of wealthy people God loved. Here is what Scripture actually says about wealth, money as idol, and what open-handed stewardship looks like.
Christian Personal Finance in Your 30s
The variables multiply fast in your 30s. Here is the financial map for Canadian Christian men navigating mortgages, kids, RRSPs, and the weight of provision.
A Christian Guide to Getting Out of Debt
A practical, Canadian, step-by-step plan for getting out of debt, grounded in what the Bible actually says about money and stewardship.
Should You Buy a Home? A Christian's Guide for Canada
Before the accounts and the offers, the harder question: should you buy at all, and how much house can you actually carry? A pastor works the real numbers.
How Much Emergency Fund Do You Need?
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.
A Letter to a Young Man's First 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.
Credit Card Debt: Stop the Cycle
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.
A Christian Guide to Investing in Canada
You do not need $10,000 or a finance degree to start. Here is how to open a TFSA, buy one fund, and stop waiting, from a pastor who waited too long.
A Letter to the Man Quietly Behind at 45
A lot of Christian men in their mid-forties carry quiet anxiety about money and tell no one. This letter is for them.
The Most Loving Hour of Paperwork
Estate planning is really about refusing to leave your family with a second tragedy stacked on top of the first.
The Canadian Homebuying Process, Start to Keys
The accounts, the nine steps from pre-approval to possession, and the closing costs nobody warns you about. The mechanical half of buying a first home in Canada.
Joint vs Separate Accounts: A Three-Option Framework for Christian Couples
Fully separate, the proportional split, or one account with two safety valves: what each setup protects, what it costs, and the one I'd point most couples toward.
What I'd Do First If I Wanted My Wife to Never Have to Work
A thought experiment I keep coming back to: the plan I would run, in order, if I wanted to build a life where my wife never had to work.
The FHSA Explained: Canada's Best Account for First-Time Home Buyers
The FHSA gives you an RRSP deduction going in and a TFSA withdrawal coming out. Here is how it works, and why to open one this week.
How Much Income Should Go to Housing?
The old rule says 30 percent. The bank will let you go far higher. Here is the number that actually leaves room to give, save, and breathe.
Prediction Markets Are Here. Should a Christian Buy a Yes?
Prediction markets just arrived in Canada through Wealthsimple Predict. What they are, and the question to answer before you buy a Yes.
Student Debt in Canada: A Christian Guide to Tackling Your Loans
A pastoral, practical plan for Canadian student debt: what you actually owe, the order that pays it off fastest, and why shame gets no vote.
Before Your Parents Help You Buy a House
When your parents offer to help with your down payment, the most honouring thing you can do is ask one question first: what is this actually costing them?
Do You Need a Christian Advisor?
Most Canadian Christian men don't need a financial advisor, faith-aligned or otherwise, and here is the honest case for why.
A Financial Plan for Christian Newlyweds
Nobody hands you a money guide at the reception. Here is what to do in your first year of marriage, in order, without losing your mind or each other.
Christian Personal Finance in Your 20s
Nobody gave you the map. Here is the actual sequence for a Canadian Christian man in his 20s who wants to start handling money well.
Pay for Vacation Without Borrowing
Rest is biblical. The debt hangover is not. A practical guide to funding your summer vacation with a sinking fund so you come home without carrying debt into the fall.
Your Teen's First Summer Job and Money
Your teen's first paycheque is a discipleship moment. Here's what to say before it arrives, and the practical Canadian stuff they actually need to know.
What's the First $1,000 in Savings For?
Before the TFSA, before the debt avalanche, before any of it: the first $1,000 has one job. Here's what it is.
A Summer Financial Check-In
June is the right time to look at your finances honestly. A practical mid-year review framework for Canadian Christian men: TFSA, RRSP, budget, debt, and giving. Before the year gets away from you.
The Clergy Residence Deduction in Canada
Most pastors in Canada have never heard of the clergy residence deduction. It exists specifically for them. Here is how it works.
Christian Personal Finance Canada: About
There is no Canadian Christian personal finance resource that is actually Canadian and actually Christian. This is an attempt to build one.
RRSP Home Buyers' Plan in Canada 2026
The RRSP Home Buyers' Plan lets you pull up to $60,000 toward your first home. A pastoral guide to using it wisely, repaying it faithfully, and keeping a house from becoming an idol.
Index Funds: The Christian Way to Invest
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.
Wealthsimple's Portfolio Line of Credit: Should a Christian Borrow?
The poster says 3.95%. Most of us pay 4.95%, and the real question is whether you need the product at all.
Your 2026 Mortgage Renewal: What to Know
Over 1.2 million Canadian mortgages are renewing this year, many at rates far higher than when they were signed. Here is how a faithful man handles it.
The RESP Guide for Christian Fathers
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.
Should You Pay Off Debt or Invest?
Secular sites answer this with math. Christian sites answer it with Proverbs. Dan does both. And the answer is simpler than you think.
How to Build a One-Page Financial Plan
Most men have a vague intention about money. A one-page plan makes it real; one page forces you to decide what actually matters.
The 2026 RRSP Contribution Deadline
The 2026 RRSP deadline is March 1, 2027. A pastoral guide to approaching it like a steward, not a last-minute filer.
Should You Buy a House in Ontario?
Homeownership is treated as a financial no-brainer in Canada. The real numbers are more complicated, and more honest, than most people realize.
Six RRSP Mistakes Christian Men Make
A pastoral guide to the six RRSP mistakes Canadian Christian men in their thirties make most often, and what stewardship looks like instead.
HBP Repayment Rules for Canadians
You have 15 years to repay your Home Buyers' Plan withdrawal, and missing a payment costs you real tax money. Here is how the rules actually work.
Compound Interest and the Bible
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.
FHSA vs RRSP HBP for Your First Home
The FHSA wins in almost every case. Here is the plain-English breakdown of both accounts, and the stack strategy that gets you the most out of each.
Zero-Based Budgeting Canada 2026
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.
The Insurance That Matters Most
Most Canadian men have life insurance and zero disability coverage. Statistically, that's backwards. Here's what to do about it.
Starting Retirement Planning at 45
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 to Do With a Financial Windfall
A pastor's playbook for stewarding a tax refund, bonus, inheritance, or severance, before it evaporates.
The Money Talk to Have Before Marriage
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 Christian Men Should Know About CPP
A plain-English pastoral guide to how CPP works, what it will actually pay, and why it is a floor, not a plan.
Building Resilience on Irregular Income
Standard budgeting advice assumes a steady paycheque. Here's a practical framework for households (ministry, contract, or otherwise) where income moves.
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What Does the Bible Say About Money?
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 Latte Factor: What $6 a Day Becomes
The math on small daily spending is real, and the habit cost calculator helps you see it clearly and plan around it, without turning into a tool for shame.
Is Frugality a Christian Virtue?
Frugality gets treated like a spiritual gift. It isn't. Here is the distinction that matters, and where frugality quietly goes wrong.
A Plan and Posture Beat a Perfect Budget
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.
You Are Not What You Earn
Two lies about work damage men's finances more than bad budgets do. Here's what the Bible actually says about work and identity, and why it changes how you handle money.