20 Money Rules That Will Put You Ahead (Plus 1 Rule Nobody Teaches) скачать в хорошем качестве

20 Money Rules That Will Put You Ahead (Plus 1 Rule Nobody Teaches)

20 Money Rules That Will Put You Ahead (Plus 1 Rule Nobody Teaches) If I had to start over in Canada no savings, no investments, no property but I could keep what I know about money… These are the 20 principles I’d keep. In this video, I walk you through 20 money principles every Canadian should know, plus one powerful bonus tip if you stick around to the very end. Some of these principles are simple. Others are more advanced. Together, they form a Canadian money playbook you can return to again and again whether you’re just starting out or already managing significant wealth. I’m Yudhvir Kabuli, CPA, CFA, and like you, I’m trying to make smart money decisions in a country that isn’t always cheap or simple. This channel normally posts one new video every Saturday at 10 a.m., but this is a bonus mid-month video to say thank you to this growing community and to help you get a real head start on 2026 and beyond. This is education not personalized financial advice. Your situation is unique, so before making big changes, always speak with a professional who knows your numbers. What this video covers These principles touch every major part of Canadian personal finance, including: • Why personal finance is more personal than finance • Why your wealth comes from the gap between what you earn and what you keep • How to give every dollar a job (Consumption, Resilience, Growth) • Why understanding your marginal tax rate matters more than gross income • How to use TFSA, RRSP, FHSA, RESP, and RRIF properly • Why time in the market beats timing the market • How fees, taxes, and behaviour quietly erode returns • When debt helps and when it quietly hurts • Why emergency funds are infrastructure, not wasted cash • How to think about housing as both a home and a financial asset • Why protecting downside risk comes before chasing returns • Why automation beats willpower • Why silence around money is expensive in relationships • Why you should never outsource your financial understanding • Why your career is your first and biggest asset • Why you need to plan for a longer life than you expect • Why small, boring habits beat dramatic moves • Why progress matters more than perfection And finally… 🎁 Bonus Tip: The Future Raise Rule & Your Money Policy At the end of the video, I share a practical bonus tip most Canadians never think about: deciding how your future raises and bonuses will be used before they arrive. This simple rule can quietly increase your savings rate and long-term wealth without feeling like constant sacrifice, and it works especially well for Canadian households trying to balance lifestyle and progress. Who this video is for This video is for: • Canadians in their 20s, 30s, 40s, and 50s • Professionals and families • People earning good money but feeling unclear • Beginners and advanced viewers alike • Anyone who wants calmer, more intentional money decisions If you take even one principle from this video and apply it, the next decade of your money can look very different from the last. If you want more Canadian-specific, no-fluff personal finance, subscribe, like the video so more Canadians see it, and comment below which principle (or the bonus tip) hit you the hardest and which one you want a deeper video on next. Welcome to Your Canadian Money Playbook 🇨🇦. Chapters: - 00:00 – Welcome & Video Overview 00:28 – My Video Posting Routine 01:26 – Disclaimer 01:38 – Principle #1: Personal Finance Is More Personal Than Finance 02:24 – Principle #2: Focus on the Gap, Not Just Income 03:03 – Principle #3: Give Every Dollar a Job 03:53 – Principle #4: Understand Your Marginal Tax Rate 04:36 – Principle #5: Use Canadian Accounts Properly 05:47 – Principle #6: Time in the Market Beats Timing the Market 06:31 – Principle #7: Fees and Taxes Are Guaranteed Drags 07:11 – Principle #8: Be Careful With Leverage and “Good Debt” 07:53 – Principle #9: Build a Buffer Before a Portfolio 08:35 – Principle #10: Your Credit Score Is a Tool 09:13 – Principle #11: Housing Is a Home and a Financial Asset 09:57 – Principle #12: Protect Your Downside First 10:38 – Principle #13: Think After-Fee, After-Tax, After-Inflation 11:07 – Principle #14: Automation Beats Willpower 11:45 – Principle #15: Talk About Money With Affected People 12:23 – Principle #16: Don’t Outsource Your Brain 12:56 – Principle #17: Your Career Is Your First Asset 13:30 – Principle #18: Plan for Longer Than You Think 14:05 – Principle #19: Small, Boring Habits Beat Big Moves 14:37 – Principle #20: Progress Over Perfection 15:14 – Bonus: The “Future Raise Rule” & Family Money Policy #CanadianPersonalFinance #MoneyPrinciples #FinanceCanada #CanadianMoney #MoneyPlaybook #FinancialLiteracy #WealthBuilding #SmartMoney #TFSA #RRSP #InvestingCanada #MoneyMindset #PersonalFinanceCanada #CanadaFinance #FinancialEducation #MoneyHabits #LongTermWealth #CPA #CFA #CanadianDream