Gold Table

🌱💰 Money growing tips! You’ll need:

1) A Plan
Free up cash with strategies, and proper planning.

2) Time
Don’t wait to save. Start now!

3) Invest
Put your money in proper avenues to outpace inflation and taxes.

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If RRSP withdrawals are 100% taxable, why would I even open one? 🤔

Or if a TFSA has no tax deduction, wouldn't an RRSP make more sense?

If you are a first time home buyer, and if perhaps you're going to a post secondary school, then perhaps you can get the best of both worlds!

❗ There are only two ways the Canadian government will allow you to withdraw from your RRSP tax-free.

✅ If you qualify as a first-time homebuyer under the home buyer’s plan (HBP); or

✅ If you are using the RRSP to go back to school under the lifelong learning plan (LLP)

Speak to your financial representative to better understand your options!

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🤔 Ask yourself these questions before buying an insurance plan:

1) What do you want to protect? Short term debt, final disposition and funeral costs, and/or wealth transfer?

2) What do you need based on Debt, Income, Mortgage, and other Expenses? D.I.M.E.

3) Based on your age, health, and budget, customize the plan to tackle your objectives i.e. term, permanent or a bit of both.

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Debt Management Tips 101 💰:

📊 Know where your money is going and identify how much is going towards fixed, living, and optional expenses.

👩🏽‍💼💼 Speak to a professional to help with a debt roll-up plan and review available consolidation strategies.

💪 Prioritize your needs and stick to the plan!

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