The RRSP deadline for your 2026 taxes is March 1, 2027. In this episode, from the notes of Raphael (25 years in private banking): the real 2026 limit and how to find your own RRSP room, the refund you can expect, why the TFSA sometimes comes first, the cash mistake that costs Canadians the most, and the one habit that turned tax refunds into real wealth.

Full guide with tables: https://eliyatefinance.online/blog/rrsp-deadline-2027/

Free TFSA room calculator: https://eliyatefinance.online/tfsa-contribution-room-calculator/

This show is read by a synthetic voice. Educational content only, not tax or investment advice.

Most Canadians have a TFSA. Few get the most out of it.

In this episode, based on the notes of Raphael (25 years in private banking), we walk through the private banker's method in 4 steps:

1. Give the account a job: cash or invested?

2. Check the fee: 1.93% vs 0.20% can mean about $155,000 over 30 years (hypothetical)

3. Put the right assets in the right account (US dividends and the 15% withholding tax)

4. Respect the contribution rules, then automate

Free Canada Fee Report 2026: https://eliyatefinance.online/data-lab/canada-fee-report-2026/

This show is read by a synthetic voice. Educational only, not tax or investment advice.

"I'll start investing when I have more money" is one of the most expensive habits in personal finance. Many US brokers have no account minimum and offer fractional shares, so you can often start with $50. In this episode: the 3 things to have in place first, what $50, $100 or $200 a month can become over 30 years, and why 10 extra years can more than double the result.

Free beginner guide: https://eliyatefinance.online/blog/how-much-money-to-start-investing/

Free growth planner: https://eliyatefinance.online/investment-growth-planner/

Hypothetical examples: 7% a year before fees, not a forecast. Read by a synthetic voice from Raphael's notes (25 years in private banking). Educational content only, not investment advice.