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Cents & Sensibility

Because adulting is hard enough without being broke.

Your no-BS guide to investing, personal finance and retirement, with a Canadian twist 🍁

The best books, blogs, and free resources from Canada 🍁 and around the world 🌍.

40+ ResourcesCanadian-FirstMostly FreeAll Levels

The Learning Map

Five zones to financial confidence

The Budgeting Cave

Zone 1 · Foundation

Master budgeting, emergency funds, and the 50/30/20 rule before anything else.

50/30/20 RuleEmergency FundDebt Snowball vs Avalanche+5 more
Beginner8 topics

The Investing Forest

Zone 2 · Growth

ETFs, index funds, TFSAs, RRSPs, and why your bank mutual funds are robbing you.

Index Funds vs ETFsTFSA BasicsRRSP Strategy+9 more
Beginner/Intermediate12 topics

The Retirement Castle

Zone 3 · Security

CPP, OAS, RRIFs, pension planning, and how to actually retire in Canada.

CPP ExplainedOAS & GISRRIF Withdrawals+7 more
Intermediate10 topics

The FIRE Mountain

Zone 4 · Ambition

Financial Independence, Retire Early: the math, the mindset, and the Canadian path.

Safe Withdrawal RateCoast FIREBarista FIRE+5 more
Advanced8 topics

The Mindset Vault

Zone 5 · Psychology

Why smart people make dumb money decisions, and how to rewire your brain.

Loss AversionLifestyle InflationSunk Cost Fallacy+3 more
All Levels6 topics

Resource Library

29 hand-picked resources

Books, blogs, podcasts, and free tools. Filter by format, origin, level, and topic to find your next great read or listen.

Showing 29 of 29 resources

📗 Book🍁 Canadian

Millionaire Teacher

Andrew Hallam

Nine rules of wealth you should have learned in school. The definitive guide to index investing for Canadians, written by a teacher who built a million-dollar portfolio on a teacher salary.

investingindex-fundsetfsBeginner
5 hrs
📗 Book🍁 Canadian

The Wealthy Barber Returns

David Chilton

A warm, story-driven masterclass in Canadian personal finance. Covers RRSPs, TFSAs, budgeting, and why we keep spending money we do not have on things we do not need.

budgetingretirementinvestingBeginner
4 hrs
📗 Book🍁 Canadian

Wealthing Like Rabbits

Robert R. Brown

Funny, irreverent, and deeply Canadian. Covers all the personal finance basics with the wit of a stand-up comedian and the wisdom of a CFP.

budgetinginvestingmindsetBeginner
4 hrs
📗 Book🍁 Canadian

Stop Over-Thinking Your Money!

Preet Banerjee

Five ridiculously simple steps to financial well-being. By one of Canada most trusted financial educators and former TV host of Million Dollar Neighbourhood.

budgetinginvestingmindsetBeginner
3 hrs
📗 Book🍁 Canadian

Beat the Bank

Larry Bates

The Canadian guide to simply successful investing. Exposes how bank mutual fund fees silently drain wealth and makes a compelling case for switching to ETFs.

investingetfsfeesBeginner
4 hrs
📗 Book🍁 Canadian

The Value of Simple

John Robertson

A practical guide to taking the complexity out of investing in Canada. Deep-dives on TFSA and RRSP optimization and tax-efficient asset location strategies.

investingretirementtaxIntermediate
5 hrs
📗 Book

The Psychology of Money

Morgan Housel

Timeless lessons on wealth, greed, and happiness. Possibly the most important finance book of the last decade, about behaviour, not spreadsheets.

mindsetinvestingretirementBeginner
4 hrs
📗 Book

The Little Book of Common Sense Investing

John C. Bogle

The index fund bible by the man who invented them. Bogle core argument: stop paying fees, own the whole market, and win by not losing.

investingindex-fundsetfsBeginner
3 hrs
📗 Book

I Will Teach You to Be Rich

Ramit Sethi

No guilt, no excuses, no BS. The irreverent 6-week program for 20 to 35 year olds to automate savings, invest, and build a rich life with zero deprivation.

budgetinginvestingmindsetBeginner
5 hrs
📗 Book

The Simple Path to Wealth

JL Collins

Distilled investing wisdom from JL Collins famous Stock Series blog. The most approachable FIRE-adjacent book: invest broadly, ignore the noise, get rich slowly.

investingfireindex-fundsBeginner
4 hrs
📗 Book

The Intelligent Investor

Benjamin Graham

Warren Buffett all-time favourite book. The definitive guide to value investing: margin of safety, Mr. Market, and why temperament matters more than IQ.

investingmindsetAdvanced
12 hrs
📗 Book

Die With Zero

Bill Perkins

A radical rethinking of retirement. Argues that over-saving is its own kind of failure, and you should optimize for life experiences, not a maximum account balance.

retirementmindsetfireIntermediate
4 hrs
🌐 Website🍁 Canadian🆓 Free

Canadian Couch Potato

Dan Bortolotti

The gold standard of Canadian index investing education. Model portfolios, ETF guides, RRSP and TFSA strategies, and a decade of unbiased financial journalism.

investingetfsretirementBeginner
Self-paced
🌐 Website🍁 Canadian🆓 Free

Million Dollar Journey

Frugal Trader (FT)

A Canadian investor real journey to $1M and beyond. Covers dividend investing, TFSA and RRSP tactics, brokerage reviews, and net worth tracking since 2006.

investingretirementbudgetingBeginner
Self-paced
🌐 Website🍁 Canadian🆓 Free

MoneySense

MoneySense Editorial Team

Canada most trusted personal finance magazine and website. Covers CPP and OAS, mortgages, RESPs, robo-advisors, and everything in between.

budgetinginvestingretirementBeginner
Self-paced
🌐 Website🍁 Canadian🆓 Free

Money.ca

Money.ca Editorial Team

Fast-growing Canadian personal finance media with 1.68M monthly readers. Covers everything from OAS strategy to bank reviews and TFSA optimization.

budgetinginvestingretirementBeginner
Self-paced
🌐 Website🍁 Canadian🆓 Free

Canadian Portfolio Manager Blog

Justin Bender (PWL Capital)

Deep-dive ETF analysis for serious DIY investors. Best source for XEQT vs VEQT comparisons, withholding tax optimization, and asset location strategies.

investingetfstaxAdvanced
Self-paced
🌐 Website🍁 Canadian🆓 Free

GetSmarterAboutMoney.ca

Ontario Securities Commission

Government-backed, completely unbiased financial education. Calculators, guides, and investor tools with zero product promotion. One of Canada most underrated resources.

investingbudgetingretirementBeginner
Self-paced
🌐 Website🍁 Canadian🆓 Free

Retire Happy

Jim Yih

Canada most comprehensive retirement-focused blog. Covers CPP splitting, OAS deferral strategies, RRIF conversions, and pension income splitting.

retirementIntermediate
Self-paced
🌐 Website🆓 Free

JL Collins Stock Series

JL Collins

A free, 31-part online curriculum that covers everything in The Simple Path to Wealth and more. Arguably the best free investing education on the internet.

investingfireindex-fundsBeginner
10 hrs
🌐 Website🆓 Free

Investopedia

Investopedia

The Wikipedia of finance. Every term, concept, strategy, and instrument explained clearly. An essential reference when you encounter a word you do not understand.

investingbudgetingretirementAll Levels
Reference
🌐 Website🆓 Free

Principles of Finance (OpenStax)

OpenStax / Rice University

A free, peer-reviewed, university-level finance textbook. Open-licensed and freely downloadable. Covers time value of money, risk, valuation, and financial planning.

investingbudgetingIntermediate
20+ hrs
🌐 Website🆓 Free

Bogleheads Wiki

Bogleheads Community

Community-built knowledge base inspired by John Bogle investing philosophy. Covers asset allocation, tax-efficient investing, Monte Carlo simulations, and more.

investingretirementetfsIntermediate
Self-paced
🌐 Website🆓 Free

Khan Academy, Personal Finance

Khan Academy

Free, structured video courses covering taxes, savings, investing, insurance, and retirement. Perfect for complete beginners who learn best through short videos.

budgetinginvestingretirementBeginner
Self-paced
🎙️ Podcast🍁 Canadian🆓 Free

Mostly Money, Mostly Canadian

Preet Banerjee

Witty, accessible, and unmistakably Canadian. Covers personal finance, behavioural economics, and Canadian market specifics with excellent expert guests.

investingmindsetbudgetingBeginner
30 min/episode
🎙️ Podcast🍁 Canadian🆓 Free

The Maple Money Show

Tom Drake

Weekly Canadian personal finance conversations. Practical advice on building wealth in Canada: TFSA strategies, real estate, debt payoff, and entrepreneurship.

investingbudgetingretirementBeginner
40 min/episode
🎙️ Podcast🍁 Canadian🆓 Free

Explore FI Canada

Kyle & Jessica

The FIRE movement adapted for the Canadian reality: TFSAs, RRSPs, CPP strategy, healthcare, and why early retirement looks different north of the border.

fireretirementinvestingIntermediate
50 min/episode
🎙️ Podcast🆓 Free

Afford Anything

Paula Pant

You can afford anything, but not everything. Explores the tradeoffs and philosophy behind financial independence with deep-thinking guests and long-form interviews.

firemindsetinvestingIntermediate
60 min/episode
🎙️ Podcast🆓 Free

BiggerPockets Money

Scott Trench & Mindy Jensen

Personal finance and FIRE stories from real people. Every episode features a real person journey: what they did right, wrong, and what they would change.

firebudgetinginvestingBeginner
60 min/episode

Listed for educational purposes only. Invest Wise Way is not affiliated with, sponsored by, or endorsed by these authors, publishers, podcasts, or websites, and none of them have endorsed Invest Wise Way. All titles, names, and trademarks belong to their respective owners. Descriptions are our own summaries. Links open external sites that we do not operate or control; we are not responsible for their content. This is general financial education, not financial, investment, or tax advice.

The Jargon Buster

20 money terms, demystified

Loading flashcards

Interactive Calculators

Play with the numbers

Five live calculators. Change an input and watch the result update instantly.

Final balance

$248,747

Total contributed

$91,000

Growth ($)

$157,747

Growth (%)

+173%

Indigo: invested at 7%. Grey: same money in a 0.5% savings account.

Educational, not advice. Returns are assumed constant and compounded monthly; real markets vary year to year.

30-Day Challenge

From broke-curious to money-confident

Your progress0 / 30 days

Achievements

Badges & bragging rights

Every milestone you hit unlocks a badge. Keep going to fill out the whole set.