@averageperson27: Feel good inc -Gorillaz. This took so long to time correctly brooo especially the rap part (If this flops imma crash out ok😭💀)#lyrics #song #feelgood #musicvideo #fyp

~𝐬𝐞𝐚-𝐬𝐚𝐥𝐭~ 🇨🇻

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Monday 22 June 2026 10:25:46 GMT

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IS RETIREMENT DEAD IN CANADA? Part 2, on a low income Most retirement advice wasn't written for a low income. Save 10 percent, max out your RRSP. With what? So I ran 2 tight cases through my own calculators in 180 cities and towns. Priya is a single mom in Ontario earning $35,000 with a 3-year-old. Linda is 67 and rents alone on CPP, OAS and GIS. 1. File your taxes every year, because most benefits only show up when you file. For Priya that's about $14,000 a year, more than half of it the Canada Child Benefit, and $0 if she doesn't file. A free tax clinic through the CRA will do it with you. 2. Some years have no room to save, and a plan can say so. With a 3-year-old in daycare, Priya comes up short on a careful budget in all 40 cities. Her window is the school years. 3. If you can save, use a TFSA. Money coming out doesn't count as income, so it doesn't cut your benefits now or your GIS later. GIS shrinks by 50 to 75 cents for every dollar taken out of an RRSP. 4. With nothing saved, the public pensions and credits pay Priya about $28,000 a year at 65. $200 a month through the school years takes that to about $31,000. 5. For a senior renting alone, the rent decides it. Linda gets about $26,700 a year in Saskatoon, and a 1-bedroom listed today takes more than half of that in 38 of 40 cities. So she protects the lease she has, gets on the list for subsidized seniors' housing early, and asks her province about a seniors' top-up and a rent supplement. 6. If you're stuck, call 211. It's free and confidential and it runs in most of Canada. If the stress is getting to be too much, call or text 9-8-8, any time. What's a benefit or credit you found late and wish you'd known about sooner? It's a long one, so it's on my podcast too, on Spotify and Apple. There's a free retirement calculator at calmmoneycoach.com, and my email list is free. The full guide, my retirement planner and my province calculator are in my paid community there. The takeaways are a free 4 page PDF: calmmoneycoach.kit.com/low-income-retirement General education only. Priya and Linda are made-up examples. Today's dollars, October 2026. #lowincome #gis #tfsa #personalfinancecanada

IS RETIREMENT DEAD IN CANADA? Part 2, on a low income Most retirement advice wasn't written for a low income. Save 10 percent, max out your RRSP. With what? So I ran 2 tight cases through my own calculators in 180 cities and towns. Priya is a single mom in Ontario earning $35,000 with a 3-year-old. Linda is 67 and rents alone on CPP, OAS and GIS. 1. File your taxes every year, because most benefits only show up when you file. For Priya that's about $14,000 a year, more than half of it the Canada Child Benefit, and $0 if she doesn't file. A free tax clinic through the CRA will do it with you. 2. Some years have no room to save, and a plan can say so. With a 3-year-old in daycare, Priya comes up short on a careful budget in all 40 cities. Her window is the school years. 3. If you can save, use a TFSA. Money coming out doesn't count as income, so it doesn't cut your benefits now or your GIS later. GIS shrinks by 50 to 75 cents for every dollar taken out of an RRSP. 4. With nothing saved, the public pensions and credits pay Priya about $28,000 a year at 65. $200 a month through the school years takes that to about $31,000. 5. For a senior renting alone, the rent decides it. Linda gets about $26,700 a year in Saskatoon, and a 1-bedroom listed today takes more than half of that in 38 of 40 cities. So she protects the lease she has, gets on the list for subsidized seniors' housing early, and asks her province about a seniors' top-up and a rent supplement. 6. If you're stuck, call 211. It's free and confidential and it runs in most of Canada. If the stress is getting to be too much, call or text 9-8-8, any time. What's a benefit or credit you found late and wish you'd known about sooner? It's a long one, so it's on my podcast too, on Spotify and Apple. There's a free retirement calculator at calmmoneycoach.com, and my email list is free. The full guide, my retirement planner and my province calculator are in my paid community there. The takeaways are a free 4 page PDF: calmmoneycoach.kit.com/low-income-retirement General education only. Priya and Linda are made-up examples. Today's dollars, October 2026. #lowincome #gis #tfsa #personalfinancecanada

https://alightcreative.com/am/share/u/PtqYIsxTD6gpQrJ0OktWSsA2uzW2/p/kFTHcHpIJT-f3dc834dfbd82dce

https://alightcreative.com/am/share/u/PtqYIsxTD6gpQrJ0OktWSsA2uzW2/p/kFTHcHpIJT-f3dc834dfbd82dce

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