@calmmoneycoach: Give While You're Living Living Inheritance in Canada? Most people never actually choose. They leave it all behind by default, and never get to be there when it lands. Here's the part nobody says out loud. You spent 40 years being careful. That instinct doesn't switch off the day you retire. So most retirees barely touch what they built. The average retiree with $500,000 draws down about 10% of it in 20 years, and 1 in 3 die with more than they started (EBRI). But a gift at 30 is a down payment. A foothold. The same money at 60 is a number on a statement. In Canada it's already happening. 1 in 3 first-time buyers now get family help to buy, averaging $115,000 (CIBC, 2024). One rule though, and it's the whole thing. Fund your own retirement first. Cover your essentials, plan to 95, keep a real long-term care reserve. Then give from the surplus, never from the security. Give with a warm hand or a cold one. Just make sure your own hand is full enough first. Not advice, just the math and the trade-offs. Save this for someone who needs the nudge.

Brian | Calm Money Coach

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Region: CA

Monday 29 June 2026 22:12:39 GMT