Wealthy Maple

For 25+ years, I've worked across finance, accounting, and investing. I've also built my own investment portfolio from the ground up. One lesson stands out: Most Canadians don't struggle because they aren't smart. They struggle because no one taught them the rules. TFSA. RRSP. FHSA. Taxes. Retirement. Investing. Small, informed decisions—repeated consistently over decades—can quietly build lasting wealth. As a CPA & CFA charterholder, my goal is to make Canadian investing and tax planning simple and practical. Follow @Wealthy_Maple 🍁 for evidence-based Canadian money insights.

Canadian investors often focus on the US market. But here's the thing: Canadian stocks aren't as boring as they seem.

@RoaringHammy we will have AI instead of doctors at our time

As my parents get older, i noticed more and more of the work vacation time is used for taking them to medical appointments or hospital 😩 I wonder if my kids will take me when i'm old

@Budgetdog_ Very similar story in Canada, with my kids in high school here. They teach academic concepts, but not the financial skills people use every single day. It’s a real education gap — and it shows later in life.

American schools teach: ✅ The phases of the moon ✅ The Pythagorean Theorem ✅ "The powerhouse of the cell" American schools don't teach: ❌ How to invest ❌ How to file taxes ❌ How to read a paycheck This is the education crisis no one is talking about...

If we want financially confident adults, we need financially educated teens. Teach them: how credit scores work how to avoid high‑interest debt how to invest early how TFSAs and RRSPs actually function how small habits compound over time Financial literacy shouldn’t start at 30. It should start in high school.

Most Canadians know how to save money. Few understand how to *grow* it.

Investors love to chase the hottest stocks. But here's a truth no one tells you: Wealth isn't built by chasing trends. It's built by sticking to a plan, being patient, and letting compounding do the heavy lifting over decades.

@theficouple Absolutely agree. I did the same — even with a slightly lower mortgage rate. Having cash in the bank feels good, but wiping out a big chunk of debt feels better.

Let’s say you had $132,000 in the bank. But you also have a $132,000 mortgage at 5.8%. Pay off the house...absolute no brainer.

@SJosephBurns RSI - good signals

What technical indicator should EVERY trader have on their chart? 🤔

@iamcoriarnold Absolutely — and rental income comes with its own risks too. Vacancies, repairs, bad tenants, rising costs… all of that can wipe out “passive” income fast. The stock market gives you appreciation without the headaches — no tenants, no maintenance, no midnight calls.

The stock market is my favorite appreciating asset: - No tenants - No inventory - Full time flexibility Find out which stock market strategy is best for you:

The math is real — small return differences become huge over time. But this is exactly why risk tolerance and personal circumstances matter. Two investors don’t just have different returns. They have different incomes, pensions, timelines, and comfort levels with volatility. Chasing higher returns only works if you can actually stay invested through the swings.

I think people massively underestimate this Imagine two investors One achieves: 8% The other: 12% Current portfolio: £200,000 After 20 years Difference: £1,000,000 When your portfolio becomes large… Small percentage differences become huge amounts of money

Most Canadians think RRSPs are just for retirement. They're not.

@AboundWealth yes for personal finance and especially if you want to build your career in finance sector also

@Wealthy_Maple Very nice. Do you advise other people?

What’s a purchase under $100 that genuinely improved your finances? A book, a tool, an app, a course correction. The replies to this become a shopping list worth more than most paid newsletters. Drop yours.

@The_Money_Buddy a simple formula for doubling your money - 72 divided by growth rate

At 8%… Money doubles roughly every 9 years. $100k $200k $400k $800k $1.6M

@QC_Capitals 0, your parents could start it

What's the ideal age to start investing? 18 25 30 40+

@MFT_Get_Funded Learning not to panic.

What's the best investing habit you've developed?

@RoaringHammy yes, a huge difference between inflation and an average salary growth

Holy!! Inflation ain't no joke, 5 years ago my oil change was $100cad, today it was $180cad. Wtf

@BrandonWealth Personally, even close to retirement, I'd still prefer staying meaningfully invested in the stock market. A DB pension already acts like a built‑in bond allocation.

As a Canadian investor, let your portfolio evolve with your time horizon. 🇨🇦 In your 20s & 30s, a longer runway often justifies more risk favouring equities for growth and compounding. As retirement nears, gradually shift toward fixed income, and defensive assets to reduce volatility and preserve capital. Remember: your time horizon, risk tolerance, and goals matter more than age alone. Time in the market > timing the market. Stay invested folks

@IndexAndForget why? if you have enough funds you can replicate any index with stocks and don't pay ETF management fees

I feel bad for people that only invest in individual stocks.

@WagetoWealth I think they will have some optional accounting and investments classes in Grade 12 business stream, but this is not mandatory

@Wealthy_Maple That isn't much of a financial class, I agree. Hopefully, there is a second class?

My Grade 9 kid had a “financial literacy” class this year. They learned: - renting vs mortgage (very simplified) - compound interest at 2-3% - a few budgeting basics But nothing about investing. Nothing about TFSAs. Nothing about how Canadians actually build wealth. So kids walk away thinking money grows at 2-3% forever... and that renting vs buying is the biggest financial decision they’ll ever make.