Stocks, ETFs, crypto and AI, explained for regular Canadians who'd rather build wealth for decades than gamble on it for a week. One idea, one move, one number, every Sunday.
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≈ $7 a day. About one fancy coffee. Illustration only: real returns go up and down.
Crypto, AI and hot stocks get the headlines. Accounts, fees and habits build the wealth. Every Sunday you get both, in five minutes, in plain English.
How crypto fits a long-term plan, what a crypto ETF actually is, and why position size matters more than timing. No coin calls, ever.
The prompts worth trying, the mistakes AI makes about Canadian rules, and how deepfake investment scams work.
One ETF can hold hundreds or thousands of companies. What that means, what it costs, and why the fee line matters.
TFSA room since 2009, if you've never used it.
Why the early years feel like nothing is happening, and why that's the part that matters most.
When half of a 30-year curve finally shows up.
Once a month: what I automated, what slipped, what I changed. Percentages, never picks.
Total TFSA room for someone 18+ in Canada since 2009 who has never contributed.
CRA annual limits, 2009–2026About what $50 a week could become over 30 years at an illustrative 6% a year. You'd put in $78,000.
Illustration, not a forecastRoughly what a 1% fee can cost versus 0.2% on that same $50 a week over 30 years.
Illustration at 6% before feesOne first-time buyer's home stack: FHSA ($40K lifetime) plus the RRSP Home Buyers' Plan ($60K).
Before any growthYearly FHSA room, but only once you open one. Deduction in, tax-free out for a first home.
$40,000 lifetimeLost to fraud by Canadians in 2025, a record. About half was investment fraud.
Canadian Anti-Fraud CentreThe expected 2027 TFSA limit based on inflation indexing. Official number usually lands in November.
Expected; confirm with CRAThere's a Douglas fir on the west coast that's been growing for over 500 years. Nobody planted it for themselves. Someone just started.
Compounding means your money earns returns, then those returns earn returns. In the early years it feels like nothing is happening. That's exactly when most people quit.
Pick an amount you won't miss, even $25, and set an automatic transfer to your TFSA on payday. This week, just build the habit.
By day, I keep Vancouver properties running. For the last seven years I've followed the financial writers and industry leaders worth listening to, and tested their ideas on my own paycheque.
I'm Brazilian, Portuguese and Canadian, an unapologetic Bitcoin believer, and I have ambitious goals. I'll share what I believe and why. I'll never tell you what to buy.
This is the email I wish I'd had seven years ago: a seed, a paycheque and a plan. Let's see how big it grows.
Yes. The Sunday email and the TFSA vs FHSA vs RRSP cheat sheet are free. If paid extras ever exist, the weekly email stays free.
No. It's general education about how investing, Canadian accounts and long-term habits work, plus my own journey. It isn't tailored to you. For decisions about your situation, talk to a registered professional.
Yes, as topics to understand: how they work, how they fit (or don't) in a long-term plan, the risks and the fees. Never as "buy this now".
No. Unused TFSA room carries forward, so it's still waiting for you. The email starts from zero and assumes nothing.
Once a week, on Sunday. Occasionally a short heads-up before a key date. One-click unsubscribe, any time.
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