WAIT... My TFSA isn't Always Tax Free?? A breakdown of When Taxes Actually Apply Inside Your TFSA
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WAIT... My TFSA isn't Always Tax Free?? A breakdown of When Taxes Actually Apply Inside Your TFSA
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Jess and Colleen share how they learned personal finance and investing through short, focused research sessions (including lunch-hour study), Canadian online resources, a couple of books (Beat the Bank and Millionaire Teacher), and finance podcasts, and they challenge listeners to spend 15–60 minutes researching terms like ETFs, TFSAs, RRSPs, and fees, plus using a compound interest calculator. Colleen also explains budgeting for Christmas by spreading gift purchases over multiple biweekly paycheques to reduce stress and avoid last-minute chaos, mentioning the NeeDoh toy craze. They then cover a TFSA nuance: the U.S. doesn’t recognize TFSAs as retirement accounts, so dividends from U.S. companies (including within U.S.-exposure ETFs) are subject to a 15% withholding tax, while gains aren’t taxed; Jess notes high U.S.-dividend holdings may be more efficient in an RRSP. Next episode will discuss all-in-one (portfolio) ETFs.
00:00 Welcome to TGIF
00:39 Learning Money Basics
02:38 Lunch Break Learning Challenge
04:56 Holiday Budget Planning
07:19 NeeDoh Gift Craze
10:11 TFSA Not Always Tax Free
10:48 US Dividend Tax Explained
13:31 TFSA vs RRSP Placement
15:49 Wrap Up and Next Episode