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The money guide nobody gave us.
Tactical Canadian money tips — FHSA / TFSA / RRSP, taxes, credit, FX. One issue every Sunday. Free.
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Newsletter · Issue 01
Welcome to First Year Canada — the money guide nobody gave us.
I overpaid my bank ~$500 in my first month converting USD to CAD. Picked the wrong first credit card. Missed the FHSA window in year one. This newsletter is what I wish I'd had on Day 1 — tactical, weekly, free.
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The complete first-year money guide
Everything you need to know about Canadian banking, taxes, TFSA / FHSA / RRSP, credit, and remittances — in one place, with CRA-sourced numbers.
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All issues
Issue 01 · Welcome
Welcome to First Year Canada — the money guide nobody gave us
Issue 02 · Registered Accounts
TFSA, FHSA, RRSP — the decision tree for newcomers earning $100K+
Issue 03 · FX & Banking
Norbert's Gambit — convert USD to CAD without losing 1.5% to your bank
Issue 04 · Credit
First Canadian credit card — approval odds and signup bonuses ranked
Issue 05 · Cross-Border Tax
RSU + stock-option taxation in Canada — for FAANG / tech transfers
Issue 06 · Health & Insurance
Medical insurance for newcomers — interim coverage during the 3-month OHIP / MSP wait
Issue 07 · Housing