EveryToonie Every dollar, tracked
EveryToonie Blog

Canadian money, explained plainly.

What CRA and your bank don't spell out — TFSA, RRSP, FHSA, and the rest, written by the same people building the tracker.

September 4, 2026

Should you invest or pay off debt first?

Before you open your first TFSA, work out whether extra cash should go toward debt or investing — the interest-rate math that decides it, the one exception that overrides it, and why starting early matters more than picking the "right" first move.

August 26, 2026

EQ Bank vs. Wealthsimple: where should your money actually sit?

Cash you might need next month and money you're investing toward this year's TFSA or RRSP room need two different accounts. Here's what each actually costs, and how we use both together.

August 26, 2026

What CRA My Account doesn't tell you about your TFSA room

CRA My Account does show a TFSA room number — but it's a once-a-year snapshot of last year, not what you've actually contributed. Here's exactly how the lag works for TFSA, RRSP, and FHSA, and why it matters.