The modern vision of retirement - one of perfect happiness and leisure - is one that was crafted for us by an ad campaign for financial services. Our worry about what we’ll do after we stop working has also been crafted for us by decades of policy. It really, really doesn’t have to be this hard.
Read MoreA decent way to understand how the government thinks about common law relationships vs. marriage is that moving in together is mostly–but not always only–about income and getting married is–mostly, but not always only–about property.
Read MoreRESPs are accounts that have other accounts inside of them…kind of like Russian nesting dolls. And you can’t just take the money out and hope for the best…well, you can, but it’s likely to result in the government getting money that could have been yours, if only you knew how to get at it.
Read MoreFor many of us, the decisions we make about what to spend our money on are our most direct participation in the world of finance. Control over what we buy can sometimes feel like the only control we have, even if that control is limited by how much income we have and what the basic necessities of life cost.
Read MoreLife expectancy is math. It’s a number that comes from how long other people have lived in the past, and it describes how many more years you might live from today. It’s important for financial planning, but it’s even more important for changing the world.
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