The Canadian Money Podcast

Recent reports from early 2026 highlight a complex financial landscape in Canada characterized by corporate growth and geopolitical volatility . Retailer Aritzia achieved record revenues exceeding $1 billion, while MDA Space secured a strategic American defense contract and Shopify prepared to lead a recovery in the technology sector . However, the Canadian dollar and energy stocks faced downward...

Heading into 2026, Canada’s economy faces a significant "headwind" with modest 1.2–1.5% GDP growth , weak productivity, and an urgent push for radical tax reform to boost competitiveness. This episode explores the domestic and geopolitical shifts shaping the year, from the upcoming CUSMA review and the impact of U.S. intervention in Venezuela on Canadian crude prices to the widening "K-shaped" con...

This episode explores the shifting Canadian housing market.

📈 In this episode, we dive deep into the evolving landscape of Canada’s oil & gas industry and what 2025 has in store for investors and business owners. First, we unpack Scotiabank’s bullish upgrade of Canadian Natural Resources (CNQ), framing it as a major buying opportunity amid a backdrop of softened tariffs and oil price potential. Then, we explore BMO’s eye-opening report revealing milli...

Buying your first home can be exciting—but mortgages can feel overwhelming. In this episode, we break down everything you need to know about getting a mortgage in Canada. Learn how to qualify, the difference between fixed and variable rates, and what to expect with down payments and closing costs. We’ll also cover tips for improving your credit score, understanding pre-approvals, and navigating th...

Starting a business in Canada? One of the most important decisions you’ll make is choosing the right business structure. In this episode, we dive deep into the pros and cons of sole proprietorships, partnerships, corporations, and co-operatives. Learn how each structure affects your taxes, liability, and ability to raise capital, as well as what’s involved in registering your business. Whether you...

Considering buying a condo in Ontario? This episode is your ultimate guide to understanding the ins and outs of condo ownership. We’ll cover everything from condo fees and reserve funds to the rights and responsibilities of owners. Learn about the differences between freehold and condominium ownership, how to review a status certificate, and what to watch out for in condo rules and bylaws. Whether...

Thinking about buying a car in Ontario? This episode has everything you need to know before you hit the dealership. Learn how to spot hidden costs, negotiate a better deal, and decide between new and used vehicles. Whether it’s your first car or your next upgrade, this episode will help you make a smart, informed purchase in Ontario. Don’t drive off without tuning in!

Are you curious about Bitcoin but not sure where to start? In this episode, we break down the basics of Bitcoin in simple, easy-to-understand terms. Learn what Bitcoin is, how it works, and why it’s become such a buzzword in the world of finance. We’ll cover how to buy, store, and use Bitcoin, as well as the risks and rewards of investing in cryptocurrency. Whether you’re a total newbie or just wa...

Curious about the stock market but don’t know where to start? In this episode, we take you through the basics of investing, explaining what the stock market is and how it works. Learn about stocks, indexes, and how companies go public. We’ll also explore why the market goes up and down, and how you can start investing in a way that suits your financial goals. Whether you’re a complete beginner or...

Think options trading is only for wealthy investors? Think again! In this episode, we break down the basics of options trading and show how anyone can get involved, no matter their budget. Learn what options are, how they work, and why they can be a powerful tool for building wealth. We’ll cover the risks, rewards, and strategies to help you get started, along with tips for making informed decisio...

In this episode, we simplify the Canada Child Benefit (CCB), a monthly, non-taxable payment that helps families with children under 18. Learn who’s eligible, how to apply (including the Automated Benefits Application), and how the payment is calculated. We’ll also cover what happens if your circumstances change—like a new child or a change in marital status—and how to notify the CRA to avoid overp...

Confused about T5 slips? You’re not alone! In this episode, we break down everything you need to know about reporting investment income for 2024. From interest and dividends to the new rules for capital gains dividends, we make sense of what needs to go on a T5 slip. We’ll also cover how to file (including tips for online filing), what happens if you’re late, and how to handle payments to non-resi...

In this episode, we simplify the CRA’s employer guide on payroll deductions and remittances. Learn how to calculate and remit Canada Pension Plan (CPP), Employment Insurance (EI), and income tax deductions for your employees, including special rules for unique situations. Whether you’re a Canadian or non-resident employer, this episode is packed with practical insights to help you navigate payroll...

In this episode, we break down everything you need to know about Canada’s First Home Savings Account (FHSA). We explore who’s eligible, how to open an FHSA, and the contribution limits that apply. Learn about the tax benefits and the rules for making withdrawals, including qualifying, designated, and taxable scenarios. We’ll also cover transfers to RRSPs and RRIFs, what happens with excess contrib...

In this episode, we dive into the new tax implications for Canadian homeowners who rent their properties on Airbnb and similar platforms. A recent Tax Court ruling means properties consistently rented for short-term stays may be classified as commercial rather than residential, making them subject to a 13% GST/HST when sold. We break down the key details, including how this tax applies, what trigg...

In this episode, we take a deep dive into Locked-In Retirement Accounts (LIRAs) in Canada, a key tool for safeguarding pension funds until retirement. Whether you’re transitioning out of an employer pension plan or planning your retirement, this episode provides valuable insights into navigating LIRAs and maximizing your retirement savings.

In this episode, we examine the Canadian Taxpayers Federation’s report on the troubling tax changes starting now in 2025. With federal payroll tax increases (CPP and EI), rising carbon taxes, and higher alcohol taxes, hardworking Canadians are being asked to pay even more, especially those earning over $64,000. On the provincial level, new taxes like Alberta’s electric vehicle tax and BC’s home fl...

In this episode, we break down British Columbia's new home flipping tax, set to take effect on January 1, 2025. Discover how this 20% tax on profits from residential property sales works, including its phased reduction over two years. We discuss who it applies to, key exemptions, and when you need to file a tax return. With detailed examples and calculations, we’ll clarify how the tax impacts BC r...

Lots of people are leaving Canada! That's why we decided to explore what Canadian emigrants need to know, based on guidance from the CRA. If you’re planning to leave Canada, this episode is your essential tax guide!

Learn how to calculate your gross and net rental income, understand which expenses are deductible, and avoid common mistakes with non-deductible costs. We break down capital cost allowance (CCA), including property classes and calculation methods, and discuss key rules for principal residences and flipped properties. Perfect for landlords and property owners looking to stay tax-compliant and maxim...

In this episode, we break down the essentials of the Goods and Services Tax/Harmonized Sales Tax (GST/HST) in Canada. We cover who needs to register, including small suppliers and digital businesses, and explain tax obligations for different goods and services. Whether you’re starting a business or just want to understand GST/HST better, this episode is for you!

In this episode, we make sense of Registered Education Savings Plans (RESPs) and how they can help you save for your or your child’s education. Whether you're new to RESPs or want to make the most of yours, this episode has the basics you need to know!

In this episode, we break down the Canada Revenue Agency's comprehensive guide to Registered Retirement Savings Plans (RRSPs) and other registered retirement plans in Canada. From contributions and transfers to withdrawals and tax implications, we explore the ins and outs of RRSPs, Registered Retirement Income Funds (RRIFs), Registered Pension Plans (RPPs), and more. We also discuss anti-avoidance...

Impress your friends, family and your bank account with your in-depth knowledge of how to earn tax free investment income in Canada.