62% of Canadians Count Their Home as a Key Part of Their Retirement Plan. Here Is Why That Assumption Has Five Structural Flaws and What to Do Instead HOOPP's 2025 survey found that 62% of Canadians view homeownership as a key part of their retirement strategy. They are treating a single, illiquid, undiversified, maintenance-intensive, geographicall... Budgeting Canada2026 CanadianHousing FinancialIndependence RealEstate
Your Marginal Tax Rate and Your Effective Tax Rate Are Different Numbers and Most Canadians Are Making Decisions Based on the Wrong One Canada's top federal marginal rate is 33%. Add Ontario's 13.16% provincial rate and a high earner faces a combined 46.16% marginal rate on income above $253,414. But a couple earning $220,000 combined... Budgeting Canada2026 CanadianTax CostOfLiving
Statistics Canada Says Raising One Child in Canada Costs $293,000. For Higher-Income Families, It's $403,910 - Before University. Here's What the Number Actually Includes. Statistics Canada's 2023 household expenditure data, the most current available, calculated that a middle-income, two-parent family with two children spends approximately $293,000 raising one child fr... CCB Canada Canada2026 FamilyFinance RESP
What "Financial Independence" Actually Costs in Canada in 2026 - By City, Income Level, and Family Structure BMO's 2026 Retirement Survey found the average Canadian believes they need $1.7 million to retire comfortably. BC residents target $2.2 million; Atlantic Canadians target $928,000. The right number fo... Canada2026 FinancialIndependence retirement
Beating the real cost of living in Canada in 2026: a household financial audit The official CPI headline of approximately 2.6% significantly understates what Canadian households actually feel. Shelter costs roughly 30% of household spending remain elevated despite modest home pr... Budgeting Canada2026 CostOfLiving Inflation