Always Take 100% Free Money
An employer match is a guaranteed 50% to 100% instant return on day one. No investment on Earth provides a risk-free 100% immediate gain. Never skip funding your match.
Review Benefits Module →
PRO TOOL
Contribution Optimizer & Waterfall
Stop guessing where your next savings dollar belongs. Sequence your annual contributions across employer plans, tax-deductible accounts, and tax-free containers for maximum net wealth.
01 / FREE MONEY
$4,000
Instant 100% return from your employer's matched contributions.
02 / TAX REFUND
$3,420
Estimated upfront income tax deduction generated to reinvest.
03 / TAX-FREE COMPOUNDING
$7,000
Directly shielded from capital gains and dividend taxes forever.
Your Financial Profile
(e.g., $1,000/month = $12,000/year)
Employer Match Rules
Your Priority Contribution Waterfall
Follow these ranked steps in exact order to capture every dollar of employer matching and eliminate unnecessary income taxes.
Strategic Principles
Why container order matters as much as investment selection
A $10,000 investment in a regular taxable account versus a TFSA or Roth IRA can lead to a 35% difference in spending power over 25 years.
Tax Bracket Arbitrage
Deducting RRSP/401(k) contributions while in a high current tax bracket (40%+) and withdrawing in retirement in a lower tax bracket (20%) generates massive permanent tax savings.
Review Taxes Module →The Power of Tax-Free Growth
TFSAs and Roth IRAs are funded with after-tax money, meaning you never owe a single penny in capital gains or dividend taxes regardless of how large the account grows.
Review Accounts Module →