The four pillars of personal finance.
Money moves in a loop: what you earn, what you keep, how you grow it, and how you spend it. Dad Finance is organised the same way — explore each pillar for the guides, calculators, and backtests that fit. Educational only; nothing here is advice.
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01
Income
Everything starts with what comes in. These pages explore how income works for Canadians — what your paycheque looks like after tax, how marginal rates shape a raise or a bonus, the benefits you might be leaving on the table, and how side income is taxed. Educational only — nothing here is advice.
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02
Savings
Once money's coming in, the next question is where to keep it. These pages explore Canada's tax-sheltered accounts — the TFSA, FHSA and RRSP — how much you need for retirement, and where to park cash you'll need before then. Educational only.
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03
Investing
This is where Dad Finance goes deep. These pages let you backtest classic lazy ETF portfolios and rules-based leveraged strategies against real market history — 2008, COVID, 2022 — with Monte Carlo projections and the drawdowns laid bare. Educational only.
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04
Spending
What you spend matters as much as what you earn. These pages explore the everyday — budgeting and credit-card rewards — and the big-ticket decisions that move the needle most: renting versus buying, the mortgage, and whether to prepay it or invest. Educational only.