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My $1M Financial Independence Journey — March 2026
Life events Snapshot Progress Check March 2026 FI target $1,100,000 Portfolio value $78,000 % of FI target 7.09% Monthly contribution rate $3,000 Portfolio return +0.47% Check-in Learnings On my mind Looking ahead for Kyoufi
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Why banks offer new account promotions (and whether they’re worth it)
Banks give you money to switch. That’s the premise. But the reason why, the catch, and whether the math actually works in your favour is worth understanding before you start redirecting your paycheque. What’s actually driving the bonus The chequing account isn’t the product. You are. Before getting into the types of promos and how…
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Is It Worth Trying to Earn More?
I’m always in a strange place with myself where I want to make more money or to reach my leanFIRE number as soon as I can. It’s overwhelming and paralyzing (story for another time), but I think the kicker here is that it comes from a place of fear and anxiousness. It probably doesn’t help…
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Why Transfer Your RRSP to Another Bank?
Sometimes you’re unhappy or found better options for your RRSP, and you want to move to a different bank. There are some considerations to keep in mind, which we’ll cover later. But first off, here are reasons you might want to transfer your RRSP. What makes others transfer their RRSP elsewhere? There are many reasons…
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Tax Savings Resources for 2025
Christopher Liew wrote a great post here on several tax-savings actions you can take before December 31, 2025, which I’ll explore here to emphasize the wealth potential for us. Income tax brackets today A quick explainer of how Canadian taxes work is that different portions of your income is taxed at different rates. So if…
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BlackRock Cuts MERs on iShares Core ETFs After Vanguard Fee Reductions
iShares Core asset allocation ETFs, like XEQT, XGRO, XBAL, are being reduced from 0.18% to 0.17% effective December 18, 2025. Back on November 18, 2025, Vanguard reduced the management fee of their equivalent ETFs like VEQT from 0.22% to 0.17%. Considering the speed, I’d imagine BlackRock is doing this as a response to ensure that…
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Draining TFSA to Fund Your RRSP at Year-End
A post on Reddit asks about an interesting strategy to move your TFSA to max out your RRSP for the year, before taking whatever take returns to buy back your TFSA. My understanding is that RRSP is pre-tax, so when you max out your RRSP, you reduce your taxable income by that amount, and the…
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How Do I Start Investing Today?
For someone who ought to understand the principles and power of compounding interest, it’s ironic and hilarious how it took me years to get started with investing. So I’m largely writing this guide for myself. And of course anyone else who struggles the same way. In any case, regardless of how uncomfortable you are with…
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Canadian Government Announcement for Automatic Federal Benefits
It’s great to see the continued push to automate income tax filing. If everyone needs to do this every year and the Canada Revenue Agency (CRA) workers need to manage this, too, why not make it easier for everyone? Official announcement on Government of Canada website here. Countries like the United Kingdom, Germany, and Japan…
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My $1M Financial Independence Journey — September 2025
First post! Quick intro I started this website to record my financial independence journey, but I think it’ll be useful for myself if I share what I learn as it relates to personal finance, investing, and business. I hope this brings good to the world and someone one day can thank me for helping them…
Kyoufi
One Canadian’s take on making better money decisions