Money, decoded
Guides written by people who actually read the fine print: cited, dated, and linked to the calculators that do the math.
The 2026 dollar limit is $33,810, but the rule that binds most people is 18% of last year's earned income. You needed $187,833 of 2025 income for the headline figure to apply to you.
Half of a capital gain is taxable. The proposal to raise that to two-thirds above $250,000 was deferred, then cancelled in March 2025, and much of the advice online still has not caught up.
The province decides $9,722 of a $100,000 salary. Every province and territory ranked by what you keep, with the calculator for each.
Canadian scores run 300 to 900, not the 300 to 850 copied from US articles. Across 105 cards, the annual fee predicts the score you need better than the card type does.
The median Canadian family is worth $519,700. Why two families the same age can sit 68 percentile points apart, and what actually decides it.
The map to all 25 Vault Nerd calculators: what each answers and which ones follow on.
Down payment rules, the stress test, closing costs, and the order to do it all in.
How each account is taxed, who each suits, and the order most people should fill them.
Snowball vs avalanche, the minimum-payment trap, and where to find the extra money.
Pick by your spending, know what points are worth, and judge an annual fee honestly.
Acceptance, perks, and which one actually matters when you pick a card.