@calmmoneycoach: RDSP 2, TAKE EVERYTHING THE SYSTEM GIVES If someone in your family has the Disability Tax Credit, there's up to $90,000 of government money attached to it, and it only goes into one account. Two pots. The bond pays up to $1,000 a year with nothing from you, $20,000 lifetime. The grant is the match: 300 percent on the first $500 and 200 percent on the next $1,000, so $1,500 in brings $3,500. Both are income tested off the return from 2 years back, so 2026 runs off your 2024 return. Full grant sits below $117,045 of family income. Full bond needs $38,237 or less. Here's the part families miss. While your child is a minor it's your income being tested. From the year they turn 19 it's theirs, so the same child qualifies for everything whatever you earn. Which makes waiting look clever, and it isn't. Each year keeps the rate it had when it was earned. Waiting never upgrades an old year, it just takes time out of the account. One catch. The year they turn 19 is tested on the return from the year they turned 17. A 17 year old with no income has no reason to file. File it anyway. If you've got one of these open, where is it held? Only 2 of the 17 issuers let you hold stocks and ETFs. The full walkthrough and the entitlement calculator are in the community. Educational, not advice.

Brian | Calm Money Coach

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Wednesday 16 September 2026 15:52:24 GMT