Vawn Himmelsbach
Vawn Himmelsbach

Vawn Himmelsbach

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Their Top Finance Tip Once we understand the role our emotions play in managing money, we can start making better decisions.

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Lost Canadians

News May 02

Bill C-3 is redefining citizenship and who counts as “Canadian” — and the financial stakes are real

A groundbreaking change to Canada’s citizenship laws is drawing global attention — and raising real questions about housing, healthcare and the cost of belonging

Family of 4 holding moving boxes

Mortgages 1665 views

Some parents are considering buying homes for their kids before high school. Here’s the Canadian reality

As Canadian housing affordability pushes first-time buyers past age 40, some parents are taking drastic action — but the CRA has important rules that apply

Retired couple at airport

Managing Money Apr 27

Want to cut your retirement tax bill? These 5 countries can help you save — here’s what Canadians should know

Moving abroad in retirement could dramatically cut your tax bill — but only if you understand how Canada taxes non-residents and what happens to your CPP, OAS, RRSP and TFSA when you go

Retired older man smiling at the camera

Mortgages Apr 23

I’m 69 with a $250K reverse mortgage hanging over my head — should I use up most of my nest egg to pay it off?

Should you use savings to pay off a reverse mortgage early? Here’s how Canadians 55+ can weigh the options.

Rachel Cruze and Ken Coleman

Managing Money Apr 16

She won’t inherit her husband’s trust — The Ramsey Show advises against asking their daughter for a cut

When a family trust passes wealth to blood descendants only, a surviving spouse can be left with nothing — and Canadian law may not offer the protection you think it does

Photo of gas prices at pump and photo of man charging his EV

Auto Apr 15

Paying $2 a litre at the gas pump? Here's how Canadians can decide if switching to an EV is worth it right now

With fuel costs soaring and federal EV rebates making a comeback, many Canadians are rethinking their next car purchase — but is now really the right time to go electric?

Ray Dalio at a panel talk

News 1092 views

Ray Dalio says whoever controls the Strait of Hormuz wins. Here’s why Canadians should pay attention

The global oil shock triggered by the Iran war is more than a geopolitical story — it’s a personal finance story, and Ray Dalio says the stakes for your money couldn’t be higher

Losing out on bonus

Retirement Apr 14

My bonus disappeared before retirement — do I stay and fight or walk away on my own terms?

A missing bonus doesn't have to derail your retirement

Older couple embracing each other

Managing Money Apr 08

Over 500,000 Canadian stepfamilies face this estate planning blind spot — here's how to protect your assets

When one spouse has children from a previous marriage, a $1M estate can become a battleground — unless you have the right plan in place

Cohosts Rachel Cruze and Jade Warshaw

Managing Money Apr 03

A romance scam cost her everything. 10 years later, she’s fighting for control of her own finances again

Romance scams cost Canadians millions each year — but the impacts stretches beyond the financial

Woman looking serious

Retirement Mar 28

Divorcing after 50? What women need to know about money, pensions and starting over

Grey divorce is rising — but it hits women hardest. Here's how to protect your money and retire on your terms

Professional looking man

Managing Money Mar 24

3 tax strategies the wealthy use — and how to make them work for your income

From incorporating to tax-loss harvesting, the wealthy use legal strategies to shrink their tax bill. Here's how some of those moves apply to everyday Canadians, too

Family

Mortgages Mar 20

Keeping the mortgage in your name after divorce can protect your kids — but also block your next home purchase

As long as your name is on a mortgage, you’re legally responsible for it

Picture of male/female stressed

Investing Mar 11

AI salaries are ballooning to US$700K and widening wealth gaps between partners — why you should consider a prenup

While AI is creating job insecurity among many white-collar workers, AI professionals could see their salaries skyrocket to unprecedented levels

A photo of a female nurse

News Mar 10

Older Canadians are powering the 'gray-shaped economy' — how to take advantage of this shift (and what to watch out for)

These changing demographics “are reshaping jobs and spending in all kinds of ways"

Partner finances

Retirement Mar 05

When one spouse handles all the household finances, the other can be left vulnerable. How to change that now

Preparation doesn’t only need to be thoughtful — it’s necessary

Retired man with long hair

Managing Money Feb 27

Retired after 30 years: Should I help former coworkers for free?

Welcome to one of retirement’s stranger surprises — the job that won’t quite let go

Microshifting

Employment Feb 25

65% of workers want to ‘microshif’ their day — here’s how the scheduling hack could help you stay engaged

Microshifting is about making small business adjustments to when you work

Person holding credit card

Credit Cards Feb 19

Points expert says don’t sit on credit card rewards. Here are 2 reasons to use them now

“You don’t know what the future is going to hold"

Side Hustle

Employment Feb 18

Software engineer wants to quit $200K stable job for a side hustle making $2,000 a month, against solid advice

Don't quit your day job for a “hobby jobby" unless the numbers back you up

Woman with credit card

Credit Cards Feb 17

The call that may lower your credit card interest — and the script some consumers are feeding their bank to negotiate

Here's what you can say to credit card issuers when negotiating a lower APR

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