Sonya Dolguina | CPA 🇨🇦🇺🇸
Region: CA
Friday 22 May 2026 14:53:13 GMT
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Optimolachi :
how about loopholes to take the money out, cuz taking the money out of fhsa is tax free but if you wait to roll it into rrsp those withdrawals will be taxed.
2026-05-22 18:31:42
124
danlif20 :
What if I already bought my first home and am living in it actively. Can I open an FHSA and benefit from it?
2026-06-05 02:33:09
1
Frank Finance 🇨🇦 :
add another pro move for younger and or lower income Canadians that make contributions. wait to claim the income deduction! carry it forward (indefinitely) until you are in a higher tax bracket, and then use the accumulated income tax deduction to reduce your income and save more in taxes! ( do this with a company matching RRSP plan as well).
2026-05-22 17:08:39
66
User5678754 :
First loophole has zero benefits, probably is way worse for you if anything
2026-05-22 20:42:59
17
padlock Renee :
where do you open.the acct
2026-08-08 06:42:49
1
gab :
Quick question for you please: I bought a condo last year so I am not a first home buyer anymore but my fiancee currently still is. He opened his FHSA a few years ago and has been contributing. If he comes to live with me after the wedding in my owned condo, would he still be allowed to withdraw tax free from the FHSA if he then decides to buy his first home?
2026-05-23 21:01:47
5
Gwozzy :
I just checked with my cpa and he said the account can stay open but you are not allowed to make a tax deductible contribution after any withdrawal. The contribution can grow tax free but there is no deduction which renders this move pointless
2026-05-24 22:05:28
0
toronto_647_ :
the problem is the first time you open it you will have only $8000 room it would be better to have this account opened 3 years ago so your room would be 24k
2026-06-09 19:12:12
0
Mallory :
Very good info. Thank you.
2026-08-02 17:50:06
1
Zee_W :
Max it out it’s just $40k 🙄
2026-05-22 21:56:15
12
fooji :
as much as people rag on the fhsa, I am a thorough enjoyer
2026-05-22 16:15:49
6
user7599207003882 :
What if i live with my parents.. can i buy their house ??
2026-05-23 02:03:53
2
Mike D :
I own a home in the US. We're gong to be selling that home before immigrating to the Canada. Are we ineligible for an HSA? My guess is no, but thought it would be worth checking...
2026-06-08 12:18:49
1
user9012407844216 :
how to contact you?
2026-05-23 00:44:02
1
sid :
can you explain when you are able to take it out ?
2026-06-08 11:25:43
1
🇨🇦 Kenny Cosway :
first time home owner or first time home buyer???
2026-07-19 01:06:29
1
sara :
What if my FHSA has $30,000 in it but I only want to use $25,000 towards my down payment. Am I able to use the other $5,000 towards fixing up the house ?
2026-06-09 21:18:31
1
Purvish Shah :
Great explanation
2026-05-26 14:12:41
2
Itankyou :
How does it feel to be a US/CAN CPA?
2026-05-22 22:41:55
1
Christopher Ban :
I have 2 rental property. if I rent not on the property I owed for 4 years. can I use my rrsp to buy a property after that?
2026-05-22 23:27:53
1
_moyin_5 :
After 5 yrs of the FHSA, do you have to wait 15 yrs to roll it into the RRSP or can you do so at anytime?
2026-05-24 20:12:32
1
Rob Borgersen :
Amazing! Beautiful loopholes! Thanks for sharing!
2026-05-23 16:26:14
2
Peter North :
that kid sounds adorable 🥰
2026-05-22 23:10:23
1
Engineering_henry :
is there any possible way of using my FHSA to buy a presale?
2026-05-25 04:24:53
0
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