WealthyFi blog

Calm money writing for Canadians.

Plain-language guides on subscriptions, cashflow, TFSAs, RRSPs, and building wealth on autopilot — no jargon, no shame, no upsells.

6 essays

WealthyFi

Latest

SavingBeginnersMomentum

Your first $10,000: the hardest money you'll ever save

The first $10,000 is the hardest — because you build almost all of it by hand, before compounding shows up to help. Here's why it matters more than any dollar that comes after, and a visual ladder to get there.

July 1, 20266 min read

The psychology of subscription creep: why cancelling feels so hard

Subscription creep isn't a willpower problem — it's a design problem. Here's the behavioral science that makes ten forgotten charges feel invisible, and how to out-think each trick.

June 27, 20266 min read

Net WorthInvesting

How to actually build net worth in your 20s and 30s

Net worth isn't about your salary — it's about the gap between what you earn and what you keep. Here's a calm, five-part playbook (with the charts to prove it) for the two decades that matter most.

June 24, 20267 min read

InvestingCompound Interest

The quiet math of compound interest

Compound interest is the closest thing to a cheat code in personal finance — but only if you understand the one variable that matters most. Hint: it isn't the interest rate. A visual tour of the most patient force in your money.

June 10, 20266 min read

SubscriptionsCashflow

Kill subscription creep: the $1,200-a-year leak hiding in plain sight

The average person underestimates their subscriptions by more than half. Here's how the slow drip adds up — with charts, the anatomy of a zombie subscription, and a 20-minute audit to plug the leak for good.

May 27, 20266 min read

TFSARRSP

TFSA vs RRSP: which one should you fill first?

The honest answer isn't 'it depends' — it's your income. Here's the simple, visual rule Canadians can use to pick between a TFSA and an RRSP without ever opening a spreadsheet.

May 13, 20267 min read