start here / money-in-order

I want my money in order

The fundamentals, in the sequence that actually works.

1. 01

   Emergency fund & a simple budget

   3–6 months of expenses in a HISA; 50/30/20 for the rest.

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2. 02

   Clear high-interest debt

   Credit cards first. Avalanche unless the small win keeps you going.

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3. 03

   RRSP / TFSA / FHSA, decided

   Which account, in which order, for your situation.

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4. 04

   Your first $1,000 in index funds

   One broad ETF, automatic contributions, then leave it alone.

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