@calmmoneycoach: File your taxes at 18 even with zero income. That one sentence is worth thousands and almost nobody tells you. TFSA timing. FHSA deduction play. Why your federal student loan is 0%. The compound math that makes $100/mo at 18 worth $176K more than starting at 25. Also worth knowing: Wealthsimple and Questrade offer zero-commission trading on Canadian ETFs Most banks have free student accounts (TD, RBC, BMO, Scotia all do) You can file for free through Wealthsimple Tax, StudioTax, or CRA free clinics The CGEB, GST/HST credit, and provincial benefits all require filing to collect If there’s interest I’ll do a round 2 going deeper on any of these. Education, not advice. #canadianfinance #PersonalFinance #studentfinance #tfsa #fhsa

Brian | Calm Money Coach

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Tuesday 03 March 2026 01:01:27 GMT