https://www.snowmansguide.com/blog daily 0.75 2025-01-26 https://www.snowmansguide.com/blog/case-study-am-i-ready-to-retire monthly 0.5 2020-08-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1597511224582-EMXHS89WYFKW0HE3RAOS/image-asset.jpeg Read the blog - Case Study #2 - Am I Ready to Retire? https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1594646797921-EALJ0EAVJ80T24D19AUE/KathrynsBudget.png Read the blog - Case Study #2 - Am I Ready to Retire? A table and pie chart that shows how Kathryn spends her monthly after-tax income. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1594404906054-HCWLGM0STA5S0W60HK9R/image-asset.png Read the blog - Case Study #2 - Am I Ready to Retire? A chart of Kathryn’s net worth from age 60 to 97. https://www.snowmansguide.com/blog/am-i-on-track-retirement-case-study monthly 0.5 2020-07-15 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1594736636047-HRZLE3B3KVY9WAVYBNWU/image-asset.jpeg Read the blog - Case Study #1 - Am I On Track for Retirement? https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1594646973475-YTEIHVOMV76MTCC455ZS/LeonsBudget.png Read the blog - Case Study #1 - Am I On Track for Retirement? A table and pie chart that shows how Leon spends his monthly after-tax income. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1594326359782-7N9659RRE37QQGOD713U/net-worth+-+base+case.png Read the blog - Case Study #1 - Am I On Track for Retirement? A chart showing Leon’s net worth from age 50 to 94. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1594328454555-5EUA4Z5A9SL0WIQSWBSS/net-worth+bad+case.png Read the blog - Case Study #1 - Am I On Track for Retirement? A chart of Leon’s net worth from age 50 to 94 assuming reduced income, savings and investment returns. https://www.snowmansguide.com/blog/spousal-rrsp-when-to-use monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1592401147435-6OYHEWD5Z5TZPD1BVSA9/image-asset.jpeg Read the blog - What a Spousal RRSP is and When to Use It https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1592319202502-MAQKF0MIZTXA3PMMY4JL/Spousal+RRSP.png Read the blog - What a Spousal RRSP is and When to Use It Flow chart showing the difference in taxes between a traditional savings account, an RRSP account and a spousal RRSP account. https://www.snowmansguide.com/blog/what-is-a-good-management-expense-ratio-mer monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591366216555-EA2RQXWKPPXIANU02YFX/image-asset.jpeg Read the blog - What is a Good Management Expense Ratio (MER)? https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591295882874-03VRSLQAUZBLPGHDKHY9/MER+Table+2.png Read the blog - What is a Good Management Expense Ratio (MER)? A table showing the annual cost of various management expense ratios (MERs). https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591391319621-IEZ6CWDOUACH63CJ8ZH6/What+is+a+good+MER.png Read the blog - What is a Good Management Expense Ratio (MER)? A table of different investment solutions in Canada and their MER. https://www.snowmansguide.com/blog/can-i-transfer-rrsp-to-tfsa-without-penalty monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591283698980-6M3FVTI2Q1D9KMCWE3IV/image-asset.jpeg Read the blog - Can I Transfer an RRSP to a TFSA Without Penalty? https://www.snowmansguide.com/blog/simplify-your-investing-with-all-in-one-etfs-like-vbal-vgro-veqt monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591217446796-WTNZQP751XL2BV76K0VC/image-asset.jpeg Read the blog - Simplify Your Investing with All-In-One ETFs like VBAL, VGRO and VEQT https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591216337683-G2X7DP5QVPLRQJE9LA0H/all-in-one+ETFs.png Read the blog - Simplify Your Investing with All-In-One ETFs like VBAL, VGRO and VEQT A table of Canadian all-in-one exchange-traded fund (ETF) options from Vanguard, BlackRock and BMO. https://www.snowmansguide.com/blog/how-many-rrsp-accounts-can-i-have monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591133984150-8IR9MOPDO3LMW29ETZFL/image-asset.jpeg Read the blog - How Many RRSP Accounts Can I Have? https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1590785148640-4GSSDA5S46ORGKVULR6I/RRSP+Multiple+Accounts.png Read the blog - How Many RRSP Accounts Can I Have? An table showing why you may have multiple RRSP accounts. https://www.snowmansguide.com/blog/mistake-on-your-taxes-in-canada monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1590765617511-GD24DJOCIOD0RHJNRJBH/image-asset.jpeg Read the blog - What Happens if You Make a Mistake on Your Taxes in Canada? https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1590765034593-6L73XPFQ4CI8MU1VLJ6N/Change+my+return.png Read the blog - What Happens if You Make a Mistake on Your Taxes in Canada? A screenshot of the change my return button in the CRA My Account portal. https://www.snowmansguide.com/blog/how-to-buy-stocks monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1590673870486-Q86Z8Q8U2WN9HFPR2PGL/How+to+buy+stocks.png Read the blog - How to Buy Stocks for Beginners Chart comparing the price of the stock market to the interest in “how to buy stocks” on Google. https://www.snowmansguide.com/blog/thoughts-on-the-stock-market-rebound monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1588278101606-GNVRDGGROQ1SY8N20GX7/image-asset.jpeg Read the blog - Thoughts on the Stock Market Rebound https://www.snowmansguide.com/blog/is-the-stock-market-overvalued monthly 0.5 2020-06-27 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591897177947-5POGG6A4CBTQESEAHEPM/image-asset.jpeg Read the blog - Is the Stock Market Overvalued? https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1587579961387-4T7WI2GTOKPT30B43Q5I/Fair+Value+Quickly.png Read the blog - Is the Stock Market Overvalued? Graph of a stock returning to fair value by declining in price. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1587580096242-XXFTG5ZCXEG7YPYWWQ7Y/Fair+Value+Gradually.png Read the blog - Is the Stock Market Overvalued? Graph of a stock returning to fair value without declining in price. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1587580778527-4P9F06YT2YDVMY3J2CTT/Remaining+Overvalued.png Read the blog - Is the Stock Market Overvalued? Graph of a stock remaining overvalued for an extended period. https://www.snowmansguide.com/blog/launch-of-ripple-financial-planning monthly 0.5 2024-01-13 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1587052106024-8IRPOYR66HSLB9I51BZG/Ripple%2BLinked%2BIn.jpg Read the blog - Launch of Ripple Financial Planning Ripple Financial Planning logo. https://www.snowmansguide.com/blog/stocks-etfs-mutual-funds-explained monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586357889252-APGHHUDEHWXA21OCB3WA/image-asset.jpeg Read the blog - Stocks, ETFs and Mutual Funds Explained Simply https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586274336120-ITKB4VC4586HD4E6Z1YG/MER+Table.png Read the blog - Stocks, ETFs and Mutual Funds Explained Simply Table outlining the annual fee paid to a mutual fund or ETF based on your investment amount and the MER. https://www.snowmansguide.com/blog/personal-finance-stats monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586357848350-TMI0JRQN5XPN7T5CLPO6/image-asset.jpeg Read the blog - Personal Finance Stats for Canadians https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832787164-HR5J87P34FJZ4JQ0U6Z7/savings+rate+with+logo.png Read the blog - Personal Finance Stats for Canadians Graph of the household savings rate in Canada from 1961 to 2019. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584550853822-TVMO2B14QDFG6B9T5DU4/Long-term+government+bond+yields.png Read the blog - Personal Finance Stats for Canadians Graph of Canadian 10-year government bond yields from 1960 to 2020. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584550602051-MN7JJVH6CVM0XVXJUCXQ/Unemployment+rate+for+Canada.png Read the blog - Personal Finance Stats for Canadians Graph of Canadian harmonized unemployment rate from 1960 to 2020. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832715569-5JP5NX7B1NCEWPPZI7FT/Median+pre-tax+income+with+logo.png Read the blog - Personal Finance Stats for Canadians Table of median pre-tax income in Canada as of 2018, organized by family status and age. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832606916-RKPIMEQKFTB19UM6EZWD/Median+after-tax+income+with+logo.png Read the blog - Personal Finance Stats for Canadians Table of median after-tax income in Canada as of 2018, organized by family status and age. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584551232633-1FDO1IIN8VUTZOAH9TJO/Inflation+in+Canada.png Read the blog - Personal Finance Stats for Canadians Graph of annual inflation rate in Canada from 1960 to 2020. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832487195-TS50H8OK1H3WW7NOOWPM/asset+ownership+with+logo.png Read the blog - Personal Finance Stats for Canadians Table of financial assets owned by Canadians as of 2016. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832414298-M7SCLJO5QY99U80S7AMI/Student+debt+with+logo.png Read the blog - Personal Finance Stats for Canadians Table of student debt statistics in Canada as of 2015. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832358853-72TB1SIK9M9OUR9GKSZK/Mortgage+Balance+with+logo.png Read the blog - Personal Finance Stats for Canadians Table of median mortgage balance in Canada in 1999 and 2016 across age ranges. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832281060-F7M2PTT2MY82RZU3VS5X/Debt+to+Disposable+Income+with+logo.png Read the blog - Personal Finance Stats for Canadians Chart of household debt to disposable income in Canada from 1990 to 2019. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584551938006-VCQS43B1I947MHLPGWW6/Real+reseidential+property+prices+for+Canada.png Read the blog - Personal Finance Stats for Canadians Graph of real residential property prices for Canada from 1970 to 2020. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832186309-IBEVX1NF5VRDM6Q21PT6/rent+across+Canada+with+logo.png Read the blog - Personal Finance Stats for Canadians Table of average rent in major cities across Canada as of 2019. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585832048232-DHW7L47GD1TT13TMSXJ3/retirement+age+with+logo.png Read the blog - Personal Finance Stats for Canadians Graphs of the median retirement age for Canadians from 2009 to 2019 for public sector, private sector and self-employed. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584563809790-YV8NI7B4MQ8AWM8MXC6O/Life+Expectancy.png Read the blog - Personal Finance Stats for Canadians Table of life expectancy likelihoods sorted by age and gender for Canadians. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1585831979887-PB5JSF5MEO0ATROHL273/net+worth+figures+with+logo.png Read the blog - Personal Finance Stats for Canadians Table with the net worth of Canadian households as of 2018, for the third income quintile household. https://www.snowmansguide.com/blog/tfsa-vs-rrsp monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586357991226-F0GLFSWM8SP4AI0NRIZM/image-asset.jpeg Read the blog - TFSA vs. RRSP for Retirement Savings https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584450931953-U38UUCU7W8XX2NLMH8D4/Exhibit+29.png Read the blog - TFSA vs. RRSP for Retirement Savings Two flow charts showing the difference between a TFSA and an RRSP account. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584458278128-E8IPXIBSEBGY9MV8VB0A/TFSA+vs.+RRSP+same+tax+rate.png Read the blog - TFSA vs. RRSP for Retirement Savings Two flow charts that you end up with the same amount with a TFSA or RRSP if your tax rate is the same now and in the future. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584465893398-EYHAMOHT4LOR1U5J9MKC/Tax+rates+by+10+percent.png Read the blog - TFSA vs. RRSP for Retirement Savings Table that shows whether the TFSA or RRSP is preferred given different tax rates today and in the future. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584466173660-YSZVQ96UETLES7NHTMWO/TFSA+vs.+RRSP+CCB.png Read the blog - TFSA vs. RRSP for Retirement Savings A table that shows the benefits of a TFSA or RRSP depending on tax rates if you currently receive CCB. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584467347061-3U72RGCQP8QDFWUNHLJC/TFSA+vs.+RRSP+OAS.png Read the blog - TFSA vs. RRSP for Retirement Savings A table that shows the benefits of a TFSA or RRSP depending on tax rates if you currently receive OAS. https://www.snowmansguide.com/blog/understanding-market-sell-off monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586360262631-EOTAUUUI3K25V0ZJ7T8T/image-asset.jpeg Read the blog - Understanding the Market Sell-off https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584975664557-EWK9QVGAAACNLB3FQ0LY/Forecast+Example.png Read the blog - Understanding the Market Sell-off Table showing how to value a stock by forecasting different scenarios. https://www.snowmansguide.com/blog/tax-considerations-school monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586358513030-VAZ4ADWHV478DBB93RWO/image-asset.jpeg Read the blog - Tax Considerations When Going Back to School https://www.snowmansguide.com/blog/whats-a-financial-plan monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586358676574-TY8AUZC80FUCQ7RSZ06W/image-asset.jpeg Read the blog - What's a Financial Plan? https://www.snowmansguide.com/blog/budgeting-tool-walk-through monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586358856662-J1IB9DD6JKDMPJZ0H24E/image-asset.jpeg Read the blog - Budgeting Tool with 5 Step Walk-Through https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584049630303-P1NW5NJHXEDBSPQLQH1C/TSG+Budgeting+Tool.png Read the blog - Budgeting Tool with 5 Step Walk-Through Screenshot of the budgeting tool available for download. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584049487077-KTLYI6LSZUCBVV4J3TA3/TSG+Budgeting+Tool+2.png Read the blog - Budgeting Tool with 5 Step Walk-Through Screenshot of the step by step walk through of creating a budget. https://www.snowmansguide.com/blog/where-to-start-goals-behaviour monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586358999283-FKO0G3WVK2EDKUY2DKBY/image-asset.jpeg Read the blog - Where to Start with Your Money: Goals and Behaviour https://www.snowmansguide.com/blog/where-to-start-financial-situation monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359099064-7RSU7E7QIFRGZAA3C1GC/image-asset.jpeg Read the blog - Where to Start with Your Money: Current Financial Situation https://www.snowmansguide.com/blog/where-to-start-major-life-events monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359185624-OORHH3U0OC3E1HKMPVNT/image-asset.jpeg Read the blog - Where to Start with Your Money: Major Life Events https://www.snowmansguide.com/blog/my-first-experience-with-investing monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359297661-QVTDRUV5POAFS1EG4K7C/image-asset.jpeg Read the blog - My First Investment - Lessons Learned a Decade Later https://www.snowmansguide.com/blog/setting-goals monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359360438-S58B3H55Q81KYWDHJWX7/image-asset.jpeg Read the blog - Two Important Steps when Setting Goals https://www.snowmansguide.com/blog/helpful-resources monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359482191-SPNTT0TL3RWVK6XU0ORQ/image-asset.jpeg Read the blog - Resources to Help You Manage Your Money https://www.snowmansguide.com/blog/personal-finance-explained monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359592815-SBTTUKNKWKRZOQM551XU/image-asset.jpeg Read the blog - Personal Finance Explained in Under 1,000 Words https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1574553431087-T8WMTL2SZEFLJK9HFUVB/Exhibit+50.png Read the blog - Personal Finance Explained in Under 1,000 Words https://www.snowmansguide.com/blog/the-importance-of-financial-literacy-month monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359740062-64PAMQXINJU1HYGM5F6I/image-asset.jpeg Read the blog - The Importance of Financial Literacy Month https://www.snowmansguide.com/blog/a-happy-life monthly 0.5 2024-07-07 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359833676-F1SOAM9T0RB2TT8N4D6K/image-asset.jpeg Read the blog - A Key Realization for a Happy Life https://www.snowmansguide.com/blog/benefiting-from-personal-finance monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586359957362-LEZIFWJLQO3S1OWFFEMZ/image-asset.jpeg Read the blog - Why Some People Aren’t Benefiting from Personal Finance https://www.snowmansguide.com/blog/what-is-personal-finance monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586360031005-XPYTB6BZL9UUDECA5JXI/image-asset.jpeg Read the blog - What is Personal Finance and Why Does it Matter? https://www.snowmansguide.com/blog/digital-book-release monthly 0.5 2021-04-17 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1618682163859-0PL58738NZ9CID1683IQ/SnowmansGuidePersonalFinance3D_Apr_2021_Modified_Header.jpg Read the blog - Release of The Snowman's Guide to Personal Finance https://www.snowmansguide.com/blog/hello-and-welcome monthly 0.5 2020-06-28 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586360228369-9S86V7N2ZGDDR7F8CXZY/image-asset.jpeg Read the blog - Hello and Welcome https://www.snowmansguide.com/contact daily 0.75 2026-03-25 https://www.snowmansguide.com/tsg daily 0.75 2019-11-02 https://www.snowmansguide.com/tsg/navigation monthly 0.5 2021-04-17 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1618682279479-7X3687CTYM1M3WX57AFL/SnowmansGuidePersonalFinance3D_Apr_2021_Modified_Header.jpg Read the book - Navigate Through the Entire Book Starting Here Book cover of The Snowman’s Guide to Personal Finance. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572722435024-6PGY621VQ5MKAYUVAGJ4/Summary+I.png Read the book - Navigate Through the Entire Book Starting Here Table of 9 analogies relating personal finance to building a snowman. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572722880354-5AASF996HH1IZZHBNQ11/Summary+II.png Read the book - Navigate Through the Entire Book Starting Here Table of 15 important personal finance topics with a key takeaway for each. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572723078049-T2J4OHZG0218QXRYPC7I/Appendix+To+Do+1.png Read the book - Navigate Through the Entire Book Starting Here Checklist of the highest priority steps for what to do with your money. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572723091751-AUY8HDGMNIA7BKT8XZA9/Appendix+To+Do+2.png Read the book - Navigate Through the Entire Book Starting Here Checklist of important steps to improve your financial plan. https://www.snowmansguide.com/tsg/introduction monthly 0.5 2020-02-11 https://www.snowmansguide.com/tsg/part-i monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/chapter-1 monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/chapter-2 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121344836-0F2FSAJ1RZ75U8HJBEK1/Exhibit+1.png Read the book - Chapter 2: The Snowball Effect - Growing Your Savings Image of a snowball growing as it rolls through snow. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121465772-YW9HVW8Z3P9I5ILY9834/Exhibit+2.png Read the book - Chapter 2: The Snowball Effect - Growing Your Savings Table comparing annual growth rate to how long it takes for your money to double. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121521891-0OO42B1EMZAS7F3EYWXC/Exhibit+3.png Read the book - Chapter 2: The Snowball Effect - Growing Your Savings Image of your savings compounding over time through the analogy of a snowball rolling through snow. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121543018-I5F4MTF4541EPP5XOAGL/Exhibit+4.png Read the book - Chapter 2: The Snowball Effect - Growing Your Savings Graph showing the power of compound growth through a comparison of two individuals saving. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121597330-J9OHG26Q1TXY7RS5HAX2/Exhibit+5.png Read the book - Chapter 2: The Snowball Effect - Growing Your Savings Charts demonstrating the power of compound growth by comparing two individuals saving. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121643699-CFAS11Y2DD5Z5SWB1WFZ/Exhibit+6.png Read the book - Chapter 2: The Snowball Effect - Growing Your Savings Table showing the power of regular savings and compound growth through three examples. https://www.snowmansguide.com/tsg/chapter-3 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121965116-WNG8T3S7V248PSCCQ31O/Exhibit+7.png Read the book - Chapter 3: Packing Snow - Quality of Investments Image showing the two main investment types, owning and lending. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572121985436-SYDM2P1N2ABEMIY8CVIB/Exhibit+8.png Read the book - Chapter 3: Packing Snow - Quality of Investments Graph showing that the longer you invest the lower your chances of earning a very high or very low return. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572122022903-Q1AOK20A4E5CXKZLCTLI/Exhibit+9.png Read the book - Chapter 3: Packing Snow - Quality of Investments Graph of three individual investments to show the randomness of returns year by year. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572122038218-VZNU4K4YZ3FSDJYRV2V9/Exhibit+10.png Read the book - Chapter 3: Packing Snow - Quality of Investments Graph showing that by diversifying your investments you smooth out your returns. https://www.snowmansguide.com/tsg/chapter-4 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572122587822-W2IDSZKIUCRREN9VR4LP/Exhibit+11.png Read the book - Chapter 4: Rolling Choices - Risk and Reward Image showing that uncertainty leads to a risk of loss, which leads to the risk of missing your goal. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572122567426-ZLRXVBXV8K2I7D4Q20YG/Exhibit+12.png Read the book - Chapter 4: Rolling Choices - Risk and Reward Graph that shows as your risk increases your average return increases. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572122539840-LL8LWE1SCQ7KYHGQTL77/Exhibit+13.png Read the book - Chapter 4: Rolling Choices - Risk and Reward 3 pie charts that show how much of Katelyn’s investments are in low-risk and high-risk investments as she ages. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572122516958-083NUWC14921OGJB55O0/Exhibit+14.png Read the book - Chapter 4: Rolling Choices - Risk and Reward 3 pie charts showing an investor drift and out of and back into balance of their target risk level. https://www.snowmansguide.com/tsg/chapter-5 monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/summary-i monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1582662567987-PB7KNTB8SKYVGN5NGJXF/Summary+I.png Read the book - Summary I Table of 9 analogies relating personal finance to building a snowman. https://www.snowmansguide.com/tsg/part-ii monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/chapter-6 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306020924-FHVQ7EJU6MRXTMF2QBZ9/Exhibit+15.png Read the book - Chapter 6: Expenses and Budgeting Image of two menus where the second menu pays you to eat. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306057506-DK2I6YXQPZ2XW58OHWDD/Exhibit+16.png Read the book - Chapter 6: Expenses and Budgeting Table showing how much Jennifer can spend each month and how she plans to spend it. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306076851-XXU6ERI0XT4B5Q3QG7EF/Exhibit+17.png Read the book - Chapter 6: Expenses and Budgeting 2 pie charts comparing Jennifer’s budget to a baseline 50%, 30%, 20% budget. https://www.snowmansguide.com/tsg/chapter-7 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306715776-ZSCKBIGXGW6CY25C8CXH/Exhibit+18.png Read the book - Chapter 7: Credit Score and Borrowing Pie chart showing the five areas that impact your credit score, and their relative importance. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306697631-QQLIUNS7TORPKNDPMJYC/Exhibit+19.png Read the book - Chapter 7: Credit Score and Borrowing Table comparing the interest rate and mortgage costs of two people with different credit scores. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306741295-CFE1JXCIM1NVEYRPIWLR/Exhibit+20.png Read the book - Chapter 7: Credit Score and Borrowing Table of details for Sarah’s three loans. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306767576-U7ODRU98MTYDZHGHSSJ2/Exhibit+21.png Read the book - Chapter 7: Credit Score and Borrowing Table showing how long it takes to pay off two different mortgages. https://www.snowmansguide.com/tsg/chapter-8 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572306975944-KHUX7L682MZOLS5PJ7UV/Exhibit+22.png Read the book - Chapter 8: Insurance and a Will Flow chart showing how insurance companies earn and spend money. https://www.snowmansguide.com/tsg/chapter-9 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572307145651-4SV6DAN9UR1XBRO0A060/Exhibit+23.png Read the book - Chapter 9: The Registered Retirement Savings Plan (RRSP) Two flow charts showing the difference between a traditional savings account and an RRSP account. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572307169003-NIYQUB0AED0S03NTC7Z7/Exhibit+24.png Read the book - Chapter 9: The Registered Retirement Savings Plan (RRSP) Chart showing how an RRSP contribution grows over time and then is taxed. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572307223199-A179DGY3UGK7DHOXDRWB/Exhibit+25.png Read the book - Chapter 9: The Registered Retirement Savings Plan (RRSP) Table comparing saving for a home with and without the RRSP’s Home Buyers’ Plan (HBP). https://www.snowmansguide.com/tsg/chapter-10 monthly 0.5 2021-03-01 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572307376332-FYSTX2ETPALSKYDUSCVR/Exhibit+26.png Read the book - Chapter 10: The Tax-Free Savings Account (TFSA) Two flow charts showing the difference between a traditional savings account and a TFSA. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572307398868-1V7OGVJVU8EMT7LSTFLC/Exhibit+27.png Read the book - Chapter 10: The Tax-Free Savings Account (TFSA) Two flow charts showing the tax benefits of using a TFSA instead of a traditional savings account. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1584388757012-46LJV5RDE4YITNI5N32V/Exhbit+28+for+2020.png Read the book - Chapter 10: The Tax-Free Savings Account (TFSA) Table outlining the main similarities and differences between a TFSA and an RRSP. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572307446395-00ZTYTYWZRH0SBJE1PPH/Exhibit+29.png Read the book - Chapter 10: The Tax-Free Savings Account (TFSA) Two flow charts showing the difference between a TFSA and an RRSP account. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572307465701-NJDJJMWKNU4JKGYKWY73/Exhibit+30.png Read the book - Chapter 10: The Tax-Free Savings Account (TFSA) Two flow charts that show how much you’ll have in retirement if you use a TFSA or an RRSP account. https://www.snowmansguide.com/tsg/chapter-11 monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/chapter-12 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308130729-2BP3VQSPSLFP23QGK3D7/Exhibit+31.png Read the book - Chapter 12: The Stock Market Table with details about each family member’s investment. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308182225-SDUPF4M9FAX9DZOWELHA/Exhibit+32.png Read the book - Chapter 12: The Stock Market Table outlining what investors focus on for each stage of growth. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308206270-P2OW6F9ZCTRT42JA2QIJ/Exhibit+33.png Read the book - Chapter 12: The Stock Market Table of examples of different P/E ratios. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308226885-ZXNGHT3L8XFMAWZI8F9W/Exhibit+34.png Read the book - Chapter 12: The Stock Market Graph of a company’s share value fluctuating and increasing in value over time. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308249560-L4DGXYBMIFEPSWS15JWJ/Exhibit+35.png Read the book - Chapter 12: The Stock Market Graph of investor emotions swinging significantly positive and negative over time. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308265450-62EASA0QAKVVG8VNG20Z/Exhibit+36.png Read the book - Chapter 12: The Stock Market Graph that shows a share price changing in value significantly over time while gradually increasing. https://www.snowmansguide.com/tsg/chapter-13 monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/chapter-14 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308563092-1K86REFHCRF5Z6MNIL21/Exhibit+37.png Read the book - Chapter 14: Investment Funds Table that outlines the difference between passive and active investing. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308582755-U40VRJQ0J1DQSWM7EOYS/Exhibit+38.png Read the book - Chapter 14: Investment Funds Two graphs that show the impact of paying an additional 1.25% MER over 30 years. https://www.snowmansguide.com/tsg/chapter-15 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308723802-QAKQJL61TRUOB8ETVFJU/Exhibit+39.png Read the book - Chapter 15: Real Estate Two tables showing up-front and monthly costs of home ownership. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308744340-F9BW3LO63EXF1XHNLNYM/Exhibit+40.png Read the book - Chapter 15: Real Estate Formula showing how to make money investing in real estate. https://www.snowmansguide.com/tsg/chapter-16 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572308880933-5N26QQTT48W27JSQCIN8/Exhibit+41.png Read the book - Chapter 16: The Registered Education Savings Plan (RESP) Flow chart of money deposited to and withdrawn from an RESP. https://www.snowmansguide.com/tsg/chapter-17 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309060759-HF3YP4ZJ8STSGWRKGCK0/Exhibit+42.png Read the book - Chapter 17: Taxes Two tables that show the federal tax rates and provincial tax rates for British Columbia. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309076798-34WOA6V8TU64HF87U228/Exhibit+43.png Read the book - Chapter 17: Taxes Table showing the combined tax rates for British Columbia. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309095728-UZS0H7BK79XZWVZ2RQSH/Exhibit+44.png Read the book - Chapter 17: Taxes Table explaining average and marginal tax rates. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309112660-7Y34UJW3296JPSEX37XW/Exhibit+445.png Read the book - Chapter 17: Taxes Table outlining tax rules for different types of investment income. https://www.snowmansguide.com/tsg/summary-ii monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309208928-RB1CP4L12QNP4896LG0N/Summary+II.png Read the book - Summary II Table of 15 important personal finance topics with a key takeaway for each. https://www.snowmansguide.com/tsg/part-iii monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/chapter-18 monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309344551-YX1GA6Q0S01NKDKTGUDC/Exhibit+46.png Read the book - Chapter 18: Your Subconscious Mind Chart that shows the rapid decline in perceived value of receiving a cookie in the future. https://www.snowmansguide.com/tsg/chapter-19 monthly 0.5 2020-06-11 https://www.snowmansguide.com/tsg/chapter-20 monthly 0.5 2020-02-13 https://www.snowmansguide.com/tsg/chapter-21 monthly 0.5 2020-02-13 https://www.snowmansguide.com/tsg/closing-remarks monthly 0.5 2020-02-13 https://www.snowmansguide.com/tsg/appendix-next-steps monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309620953-9GVTXPWM0B2AO6HWSO9D/Appendix+To+Do+1.png Read the book - Appendix: Next Steps Checklist of the highest priority steps for what to do with your money. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309639809-ARL0LUM80PK1RVGQIHHJ/Appendix+To+Do+2.png Read the book - Appendix: Next Steps Checklist of important steps to improve your financial plan. https://www.snowmansguide.com/tsg/appendix-investing monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309889309-NNK4DZSD2ZQBH9XRIUM6/Appendix+Set+a+Timeline.png Read the book - Appendix: How to Start Investing Table categorizing investment periods. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309913497-353QHBI2QB2H7P1SWF5O/Appendix+Set+a+Risk+Tolerance.png Read the book - Appendix: How to Start Investing Flow chart that shows how to decide on a risk level given your time period and other considerations. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309932357-7M1OVYB339K6KBRZ9J6T/Appendix+Set+Involvement.png Read the book - Appendix: How to Start Investing Image showing the range of options from being hands-off to hands-on with your investment decisions. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309960283-YW2DPN59XUM7BIMB2CB0/Appendix+Products+Available.png Read the book - Appendix: How to Start Investing Chart categorizing investment options depending on the risk level and your level of involvement. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572309990690-NSX287N3OQDNZCX8OHIY/Appendix+Account+Type.png Read the book - Appendix: How to Start Investing Table outlining the benefits of different investment account types. https://www.snowmansguide.com/tsg/appendix-retirement monthly 0.5 2020-06-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310204017-LVDYGFTG78VEBB2QGTLI/Exhibit+47.png Read the book - Appendix: How Much to Save for Retirement Chart showing Olivia’s income gradually increasing as she gets older. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310218315-B44TVR5DAMI0EQHWWS72/Exhibit+48.png Read the book - Appendix: How Much to Save for Retirement Chart showing Olivia’s retirement savings growing more and more rapidly as she approaches age 65. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310234675-HYXMMI7JGKIDHBJYV0M1/Exhibit+49.png Read the book - Appendix: How Much to Save for Retirement Table comparing Olivia’s retirement savings to her income over time. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310251989-A5N4PCUHS2F26SHIUGCZ/Exhibit+50.png Read the book - Appendix: How Much to Save for Retirement Table providing a benchmark to compare your retirement savings to your income over time. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310266361-IWCU0RMGW7H95L7GLAM9/Exhibit+51.png Read the book - Appendix: How Much to Save for Retirement Graph showing Olivia’s savings declining to zero at age 87. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310284244-17OV7XPV3QEO6HDPF4N0/Exhibit+52.png Read the book - Appendix: How Much to Save for Retirement Chart that show’s Olivia’s retirement savings increase until age 65 and then decline to zero at age 87. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310298355-U8JKMCQXBYEBR6CEOJ2M/Exhibit+53.png Read the book - Appendix: How Much to Save for Retirement Chart that show’s Olivia’s retirement savings increase until age 65 and then decline to zero at age 80. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1572310318455-5ATCA0NSZ08MOLDEG3FO/Exhibit+54.png Read the book - Appendix: How Much to Save for Retirement Chart that show’s Olivia’s retirement savings increase until age 65 and then decline to zero at age 92. https://www.snowmansguide.com/tsg/category/insurance monthly 0.5 https://www.snowmansguide.com/tsg/category/risk+management monthly 0.5 https://www.snowmansguide.com/tsg/category/real+estate monthly 0.5 https://www.snowmansguide.com/tsg/category/taxes monthly 0.5 https://www.snowmansguide.com/tsg/category/bonds monthly 0.5 https://www.snowmansguide.com/tsg/category/retirement monthly 0.5 https://www.snowmansguide.com/tsg/category/budgeting monthly 0.5 https://www.snowmansguide.com/tsg/category/stocks monthly 0.5 https://www.snowmansguide.com/tsg/category/saving monthly 0.5 https://www.snowmansguide.com/tsg/category/personal+finance monthly 0.5 https://www.snowmansguide.com/tsg/category/psychology monthly 0.5 https://www.snowmansguide.com/tsg/category/investing monthly 0.5 https://www.snowmansguide.com/tsg/category/debt monthly 0.5 https://www.snowmansguide.com/about-the-blog daily 0.75 2021-03-25 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1582826762216-8G2SF3TWMAMQREV5Z0MM/Backpacking+Photo.jpeg About https://www.snowmansguide.com/book-purchase daily 0.75 2025-01-11 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1618682367377-M91GLEK0KZYR4YR12BM2/SnowmansGuidePersonalFinance3D_Apr_2021_Modified_Header.jpg Purchase the book Book cover of The Snowman’s Guide to Personal Finance. https://www.snowmansguide.com/advice-only-financial-planning daily 0.75 2026-03-25 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1591307072996-ONX7VI1E989CRBMXHAXH/Best%2BBanner%2BVersion.png Financial planning Logo for Ripple Financial Planning. https://www.snowmansguide.com/personal-finance-glossary daily 0.75 2020-06-27 https://www.snowmansguide.com/home daily 1.0 2024-01-13 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586538232852-8M43P1UYHWM7UUTDJ4MB/image-asset.jpeg Home https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1618682045052-2Y0HIGHN3B3TIPBMSET4/SnowmansGuidePersonalFinance3D_Apr_2021_Modified_Header.jpg Home https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586538249377-0X6LKGVZURZJ7UKIIB5N/image-asset.jpeg Home https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586538279596-LT55UW1PNN2Z5D2V85DC/image-asset.jpeg Home https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586538308609-DFTAYCU4C0XE79UDJ0HF/image-asset.jpeg Home https://www.snowmansguide.com/personal-finance-resources-start daily 0.75 2021-04-17 https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1618682106893-DJBCYXDOGQQVPUN1VANZ/SnowmansGuidePersonalFinance3D_Apr_2021_Modified_Header.jpg Start here Photo of The Snowman’s Guide to Personal Finance book. https://images.squarespace-cdn.com/content/v1/5d671910bcb9230001fe1793/1586364560316-Q641FNZEJS9S3R3J30BR/Blog%2Bimages.jpg Start here Images of blog articles from The Snowman’s Guide. https://www.snowmansguide.com/privacy-policy daily 0.75 2020-07-08 https://www.snowmansguide.com/terms-of-use daily 0.75 2020-07-08