@calmmoneycoach: You’re 50 with nothing saved. Here’s your retirement plan. Most calculators say you’re done. The math says otherwise. Canada is already handing you $19K-$27K a year before you save a single dollar. CPP + OAS + GIS. You just can’t see it yet.And the account you save in? It matters more than how much you save. PWL Capital modeled it. TFSA path: 90% success. RRSP path: 66%. Same money. Different outcome. Free calculator in bio. Link to sources in comments. This is education, not financial advice. Link to subscriber list file https://calmmoneycoach.kit.com/50nothingsaved #retirement #retirementplanning #canada #cpp #oas
Brian | Calm Money Coach
Region: CA
Saturday 21 February 2026 22:23:27 GMT
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✨️dewdrop✨️ :
who, making 60k a year can put 1k away a month??!?! and not even in an RRSP, a TFSA??
2026-02-22 11:40:32
22
Nancy 🇨🇦 :
Do people even know about this GIS? My senior parents don’t get this. Is this a separate thing to apply for?
2026-02-23 00:19:26
6
leoteacher76 :
I’m curious…What TFSA gives 6%???
2026-02-23 03:13:23
3
marcosanibalrequena :
What you mean nothing saved ?
2026-02-22 21:33:45
1
K Plum 🇨🇦 :
What if your computer matches a percentage of RRSP
2026-03-18 01:22:32
3
Kelvin 🇨🇦 :
great explanation 👌 It can be so confusing
2026-02-22 17:59:30
3
Charlie McDonald :
Where are you finding 6% TFSA ?
2026-04-09 21:01:37
1
mammasbh :
how do I find the info on cpp in the my service canada account? we looked, can't find it
2026-02-23 00:35:57
2
Mitch Rah :
Very clear and helpful Thanks
2026-02-23 15:23:26
2
Nicole.ourmortgagelady 🇨🇦 :
Fantastic message! Thank you from a new follower.
2026-04-16 01:48:13
2
nonyabuz8 :
But if my employer matches my RRsP contribution and I have no extra money to go into my TFSA what then makes the best choice to save?
2026-02-24 23:52:32
2
Liz :
I can afford $100 not $100 per month . Looks like I’m the Walmart greater until I die
2026-02-23 19:53:55
6
canadiancountrygirlie🇨🇦 :
Thank you, you just put my mind at ease. The recommended numbers floating around are scary to me, at 50, but I think I’m in pretty good shape 🥰
2026-02-22 18:42:44
4
gypsy :
Okay: I’m feeling better about things. Thank you.
2026-03-04 18:28:38
2
Design By Desta :
Thanks for this clear explanation. 🙌
2026-02-22 15:00:33
2
Mark Robinson :
Very informative thank you.
2026-02-22 13:57:44
2
DouglasL :
its all smoke and mirrors enjoy life as it happens....
2026-03-16 20:48:02
2
Tuan Lam :
I retired at 49. 3Mill real estate portfolio
2026-04-30 20:08:44
1
Turbolover :
I am 49 with 500 K. I need to get it to 1M by the time I am 55. Do you think its possible
2026-02-22 19:00:07
2
Theo Ashmore 🇨🇦 :
How can you contribute $1K/month into a TFSA when the annual limit is $7K?
2026-02-23 04:17:43
1
honest1two :
Tfsa is tax free, when you withdraw? And put beneficiaries on it.
2026-02-22 12:28:36
3
lilawatt hour :
This is an amazing reality check for people 40+ who might feel like there's no point staying to save or invest at their age!!
2026-02-22 20:49:18
1
Daisy&Toast :
What if we worked for ourselves with no CPP
2026-02-22 14:00:59
1
B & Mamma 🇨🇦🇨🇦🇨🇦 :
I find your takes refreshing. Most retirement articles/advice focus on the top % of earners.
2026-02-23 22:29:38
2
crazylady50 :
who has an extra 1000 a month
2026-02-24 16:09:14
5
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