Planted North

Start small. Grow big. 🌱 Investing, crypto & AI in plain English, from a guy who learned it on a paycheque. Free 64-page investing guide ↓

[Planted North @Plantednorth]

If you're in Canada, on a paycheque, and feel behind on money:

Every Sunday I send one idea, one small move and one number. A 3-minute read.

New subscribers also get the free 64-page Field Guide.

No picks. Nothing to sell. 🌱
https://t.co/qSLxbzkbAY

[Planted North @Plantednorth]

@danellisona What’s moved the needle for me: replies to big posts beat my own tweets by about 100x in views. Happy to connect with anyone building in money, AI or personal finance. Say hi below.

[Planted North @Plantednorth]

@MadelnCanada Montreal steak sandwich, poutine and Tim Hortons 🤠

[Planted North @Plantednorth]

$50 a week for 30 years at a 6% return: about $209,500 with a 0.2% fee, about $150,400 with a 2% fee.

Same deposits, roughly $59,000 apart.

Try your own numbers, free: https://t.co/nauc9R1fwY

Educational, not financial advice.

[Planted North @Plantednorth]

A small AI-and-money habit: paste your pay stub into a chatbot (remove your name, SIN and employee ID first) and ask it to explain each line. Tax, CPP, EI, benefits.

Five minutes, and you'll know where your gross pay actually goes.

[Planted North @Plantednorth]

FHSA in numbers: $8,000 a year, $40,000 lifetime.

Contributions are deductible like an RRSP. Withdrawals for a first home are tax-free like a TFSA. Unused room carries forward, up to $8,000, but room only starts once the account is open.

Educational, not financial advice.

[Planted North @Plantednorth]

A simple rule for where money lives:

Needed within 3 years: HISA or GIC.
3 to 5 years: depends how firm the date is.
5+ years: that's where investing starts to make sense.

The timeline picks the account before the returns do.

Educational, not financial advice.

[Planted North @Plantednorth]

When you get a raise, where does most of it end up?

A) Savings or investing, first thing
B) Paying down debt
C) Lifestyle (no judgment)
D) Not sure, it just disappears

[Planted North @Plantednorth]

@PunchyMoney Which is why the first thing a paycheque should buy is a few months of runway. It doesn't make the job safer, but it turns a layoff from a crisis into a hard month.

[Planted North @Plantednorth]

@Zeekottt With PCs, the productivity gains famously took years to show up in the numbers. New jobs tend to arrive later than the layoffs, and in places nobody predicted.

[Planted North @Plantednorth]

@JimChuong The unglamorous version: invest a slice of every paycheque for a long time, until the investments cover some of the bills. Slower than the dream, but it's one most people can actually reach.

[Planted North @Plantednorth]

@MoneyQuotesX Nobody cares is freeing, though. Nobody's checking what you drive either, so you can skip the upgrade and invest the difference.

[Planted North @Plantednorth]

@unusual_whales The detail that jumps out: two new cars cost about as much as the entire retirement line. That's probably the biggest lever on the list most people actually control.

[Planted North @Plantednorth]

@KobeissiLetter Leverage is what turns a bad day into a wipeout. People holding spot are down today. People who borrowed to bet are out.

[Planted North @Plantednorth]

@wealthly_app Lifestyle creep is the sneaky part. Re-running that 3-month average every season keeps the target honest instead of frozen.

[Planted North @Plantednorth]

Quick poll for Canadians on a paycheque: how big is your emergency fund goal?

A) 1 month of expenses
B) 3 months
C) 6 months
D) Still working on the first $500

No wrong answer. D is where most of us started.

[Planted North @Plantednorth]

If you're starting from zero with money, the free Planted North Field Guide is 64 pages of plain-English basics: TFSA, FHSA, RRSP, ETFs and fees. It comes with a short Sunday email for Canadians on a paycheque.

https://t.co/qSLxbzkbAY

[Planted North @Plantednorth]

@wealthly_app Agreed, and that's the step most people skip. Averaging the last three months of actual spending beats any guess, and it usually lands higher than people expect.

[Planted North @Plantednorth]

A small AI-and-money habit: paste last month's transactions into a chatbot (no account numbers) and ask it to sort them into needs, wants and subscriptions.

Then check its totals yourself. It's a good sorter and a sloppy adder.

[Planted North @Plantednorth]

https://t.co/ZHNrL0qy9r

[Planted North @Plantednorth]

Rule of 72: divide 72 by your yearly return to see roughly how long money takes to double.

At 6%, about 12 years. $10,000 left alone from 25 to 61 grows to about $81,000, without adding a dollar.

Returns aren't guaranteed. Educational, not financial advice.

[Planted North @Plantednorth]

Myth: a big tax refund means you did your taxes well.

A refund is your own money coming back, after the CRA held it all year with no interest. Nice to get, but it isn't a bonus.

Educational, not financial advice.