Financial Literacy

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Should Ottawa couple defer CPP and OAS if they retire early next year?

Should Ottawa couple defer CPP and OAS if they retire early next year?

Could retirement really be just a year away? Arnold*, 56, and Heather, 60, are hoping the answer is yes. The Ottawa-based couple have been running the numbers and scenario planning. They anticipate they will need to generate $118,730 after tax annually in retirement, which includes about $15,000 for travel. The empty nesters would also like […]

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0,000 Is Now Considered Low Income Or Poor For Families

$200,000 Is Now Considered Low Income Or Poor For Families

I recently realized something that completely reframed how I think about income in America: a $200,000 household income is no longer middle class. Instead, under increasing college financial aid formulas, earning up to $200,000 now qualifies as low income or even poor. Being labeled “poor” or “low income” doesn’t sound great. But if $200,000 is the new poor according to

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Fed Pauses, But Mortgage Rates Are Already Lower

Fed Pauses, But Mortgage Rates Are Already Lower

Kate Wood writes for NerdWallet. Email: [email protected]. The article Fed Pauses, But Mortgage Rates Are Already Lower originally appeared on NerdWallet. https://www.nerdwallet.com/mortgages/news/january-fed-pause-mortgage-rates #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances #generationalwealth

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Automatic tax filing is a good idea, but here's how the CRA can make it even better for more people

Automatic tax filing is a good idea, but here’s how the CRA can make it even better for more people

I like many things that are automatic : automatic transmissions, automatic doors, automatic bill payments,  automatic software updates. In each case, the automatic feature makes my life easier by handling routine functions or frictions that I’d otherwise have to spend time on or endure. Automation is often a clear improvement when things work as intended.

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New Avelo Airlines Credit Card Features Decent Rewards, Poor Perks

New Avelo Airlines Credit Card Features Decent Rewards, Poor Perks

Jae Bratton writes for NerdWallet. Email: [email protected]. The article New Avelo Airlines Credit Card Features Decent Rewards, Poor Perks originally appeared on NerdWallet. https://www.nerdwallet.com/credit-cards/news/avelo-airlines-launches-credit-card #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances

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Why Your Business Feels Harder Than It Should! Stop Being Your Own Bottleneck

Why Your Business Feels Harder Than It Should! Stop Being Your Own Bottleneck

In this episode of the DecaMillionaire Decoded podcast, host Justin Goodbread explores why many business owners struggle to achieve significant growth despite immense effort. High-level success is not about outworking everyone, but about having the discipline to say “no” to almost everything others say “yes” to – achieve an 8-figure enterprise value and move past

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Bilt Cash: What Is It, and How Does It Work?

Bilt Cash: What Is It, and How Does It Work?

Sara Rathner writes for NerdWallet. Email: [email protected]. The article Bilt Cash: What Is It, and How Does It Work? originally appeared on NerdWallet. https://www.nerdwallet.com/credit-cards/learn/bilt-cash-what-is-it #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances

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God’s ROI: 100-Fold Returns for Radical Obedience

God’s ROI: 100-Fold Returns for Radical Obedience

In this episode of the DecaMillionaire Decoded Podcast, host Justin Goodbread addresses the recurring question from his audience regarding his frequent use of biblical scripture in a business context. He explores the intersection of faith and professional achievement, arguing that the Bible serves as the ultimate “guidebook” for attaining DecaMillionaire status—defined as scaling a service-based

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15 Money Habits Strong Couples Share

15 Money Habits Strong Couples Share

Financially strong couples don’t rely on luck, they build their stability through consistent, intentional habits. By communicating openly, planning together, and making thoughtful money choices, they create a sense of harmony that strengthens both their finances and their relationship. These shared practices help them reduce stress, stay aligned, and move confidently toward the future they

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11 Costly Money Mistakes People Regret

11 Costly Money Mistakes People Regret

Risky financial choices don’t always feel dangerous in the moment, but their impact can linger for years. These decisions can quietly limit your ability to save, invest, and build real security. By recognizing and avoiding these common pitfalls, you give yourself a stronger foundation for long‑term stability and a more prosperous financial future. 1. Timeshares

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