The Blog
Nomad Finance Club
Long-form personal finance education for Canadians. No fluff, no affiliate-stuffed listicles.
How to Track Your Finances: The 15-Minute Habit That Changes Everything
You can't improve what you don't look at. Here's the simple monthly habit (plus a deeper version) that quietly puts you in control of your money.
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How to Beat 80% of Canadian Investors in Three Easy Steps
You don't need to be smart or lucky to get ahead of most Canadians with money. You need three boring habits, done consistently. Here they are.
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The High Cost of 1%: How Investment Fees Quietly Eat Your Wealth
You feel a price tag. You never feel a fee. That's exactly what makes investment fees so dangerous. Here's what a 1% or 2% MER really costs you over a career.
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Asset Allocation: What Determines 90% of Your Investing Results
Everyone obsesses over which stock or fund to pick. The research says that choice barely matters. How you split your money across stocks and bonds does the real work.
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The 90/10 Rule: How to Invest Boringly and Still Scratch the Itch
Boring investing works, but it's boring. The 90/10 rule lets you keep 90% of your money in low-cost index funds while using 10% as fun money, without blowing up your future.
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Index Funds vs Individual Stocks: Why Boring Usually Wins
Picking your own stocks feels smart. The data says most people who try do worse than if they'd just bought the whole market. Here's why, plus the casino analogy that makes it click.
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Index Funds and ETFs: The Simplest Way to Own the Whole Market
You don't have to pick winning stocks to invest well. Index funds and ETFs let you own a slice of the entire market in one click. Here's how they work and why they win.
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How Much Emergency Fund Do You Actually Need? (A Canadian Guide)
Three to six months of expenses is the famous rule, but it's not one-size-fits-all. Here are the factors that should move your number up or down, plus how to find your real one.
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Canadian Investment Accounts: Which One to Start With? (The Order of Operations)
Emergency fund, TFSA, RRSP, brokerage. There's a smart order to fund them in, and most Canadians get it wrong. Here's the order of operations with current 2026 numbers.
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The Real Power of Compound Interest (Why Starting at 25 vs 35 Costs You $700,000)
Compound interest is the most important concept in personal finance and the easiest to ignore. Here's the actual math, with Canadian numbers, that shows why every year of delay matters.
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Why Automating Your Investments Is the Single Best Decision You'll Make
If willpower is your investing strategy, you've already lost. Here's how to set up an automated investing system that runs on its own and beats 95% of active investors over time.
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Snowball vs Avalanche: Which Debt Payoff Method Actually Wins?
The avalanche method is mathematically optimal. The snowball method is psychologically optimal. Here's how to decide which one wins for YOUR specific debts.
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The FHSA: Canada's Best First-Home Savings Account (2026 Guide)
The First Home Savings Account combines the best of TFSA and RRSP. Tax-deductible contributions, tax-free growth, tax-free withdrawals for a home. Here's how to actually use it.
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TFSA vs RRSP: Which Should You Fund First? (Canadian Guide for 2026)
The honest answer to TFSA vs RRSP depends on your tax bracket today, your expected income in retirement, and three other factors most articles ignore. Here's the actual decision tree.
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Reading is easy. Doing is the hard part.
If you want help turning what you read into a system that actually runs in your life, that's what the program is for.