The Latte Factor: What $6 a Day Becomes
The math on small daily spending is real. The habit cost calculator shows you the 30-year shape of your habits so you can decide with your eyes open.
29 articles tagged Investing
The math on small daily spending is real. The habit cost calculator shows you the 30-year shape of your habits so you can decide with your eyes open.
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 pastor's honest answer to the question Christian men keep asking under their breath: is investing godly, or gambling with extra steps?
The closest thing in the New Testament to a direct endorsement of investing. What Matthew 25 says to a man who is afraid to put his money to work.
TFSA or RRSP? The definitive Canadian Christian guide to choosing the right account, with a decision framework, real numbers, and a stewardship lens.
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.
Wealthsimple's new prediction-markets app sells Yes or No positions on real-world events. How it works, what it costs, and the question to ask first.
Investing is simpler than you have been led to fear. The whole thing fits on a napkin, and time does most of the work.
An honest review of Wealthsimple Cash as a high-interest banking account. What it does well, where it falls short, and whether it should replace your bank.
The Statistics Canada net worth, income, RRSP and giving figures for every decade of a man's working life, and the Steward's Map moves that belong to each one.
After five years of daily use, Wealthsimple is where our everyday banking lives. An honest review of the full product suite from a Canadian pastor.
The Steward's Map: eight money moves in order, from giving first to giving beyond the tithe, with the printable one-page version at the end.
Single-event betting has been legal in Canada since 2021 and nobody at church has mentioned it. Here is the honest answer, without the shame.
You booked the flight and you are still checking the fare. What Scripture says to the man who keeps re-running the numbers, and how to close the file.
You do not need a lot of money or a finance degree. Four steps, a TFSA, and one boring fund, and you have started.
For most Canadians, start with the TFSA. Here is the simple rule, and the two situations where the RRSP wins instead.
The RESP earns a government match the TFSA never will. Past the grant, flexibility wins. Here is the order that uses both accounts well.
Most Canadian investors hold mutual funds they never chose. ETFs are usually the better fit, and the fee difference costs more over thirty years than most men guess.
Your exact TFSA contribution room is in your CRA file and takes about two minutes to find. Here are the three official ways to pull the number tonight.
Most Canadian Christian men don't need a financial advisor, faith-aligned or otherwise, and here is the honest case for why.
Nobody gave me the map either. Here is the actual sequence for a Canadian Christian man in his 20s who wants to start handling money well.
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.
Secular sites answer this with math. Christian sites answer it with Proverbs. Dan does both. And the answer is simpler than you think.
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.
The bank withholds up to 30% when you withdraw from your RRSP, but your real tax bill depends on your total income for the year.
I sat with my finger over the confirm button for twenty minutes, on a fifty dollar contribution. Then I spent the next stretch of my life making the opposite mistake.
I carried a mutual funds licence and index funds barely came up in training. What the fees actually cost, and what I would tell a man starting this week.
The 2026 annual TFSA limit is $7,000. If you have never contributed since 2009, your total lifetime room is $109,000. Here is how to find your exact number.
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.
Most men measure provision by one number. It's the wrong scoreboard. Eight signs you're providing well that have nothing to do with your salary.
Wanting a home is a good and ordinary desire. If you cannot imagine a faithful Christian life without owning one, something else has taken hold.
What does the Bible say about money? A thorough look at what Scripture teaches about wealth, debt, giving, and stewardship for Canadian Christian men.
Most budgeting advice has one move: cut more. There is a second lever, and my wife and I spent three years of evenings and Saturdays pulling it.
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.
Most budgeting systems require perfection to work, and real life is never perfect. Five steps for a plan that survives, and the posture underneath it.