I am Ruth

I am Ruth

Divorce Taxes

Divorce and Separation Taxes Canada 2026 How splitting up affects your tax return — spousal support, asset division, credits, and what the CRA needs to know Going through a separation or divorce is emotionally draining enough without adding tax surprises…

Stock Options Tax

Stock Options Tax Canada 2026 How employee stock options are taxed — deductions, timing, CCPC benefits, and what you’ll actually owe Your startup just granted you 10,000 stock options at $5 per share, and you’re imagining the payday when those…

Unemployment Insurance and Taxes

Unemployment Insurance and Taxes Canada 2026 How EI benefits affect your tax return — what gets taxed, what you might owe back, and how to avoid surprises You just got laid off, applied for Employment Insurance, and now you’re receiving…

Do You Pay Taxes on Lottery Winnings?

Do You Pay Taxes on Lottery Winnings in Canada? The truth about keeping your jackpot — what the CRA actually takes (spoiler: it’s better than you think) You just scratched off a winning ticket or checked your Lotto Max numbers…

RRSP Withdrawal Tax

RRSP Withdrawal Tax Canada 2026 The real cost of taking money out early — withholding rates, marginal tax hits, and what you’ll actually pay So you’re thinking about pulling money from your RRSP before retirement, eh? Maybe you need cash…

Inheritance Tax Canada

Inheritance Tax Canada 2026 The truth about what you actually pay when inheriting assets — spoiler: it’s not what you think Here’s the deal — you just inherited your aunt’s cottage, or maybe your parents’ investment portfolio, and now you’re…

Capital Gains Tax

Capital Gains Tax Canada 2026 Breaking down the delayed inclusion rate changes, exemptions, and what you need to know about selling assets this year So you’re selling that cottage your family’s had forever, cashing out stock investments, or maybe finally…

CPP vs OAS

CPP vs OAS: Canada 2026 Understanding your retirement benefits — how these two pillars differ, what you’ll actually receive, and when to start collecting Alright, let’s talk retirement money. You’re scrolling through government websites, seeing acronyms like CPP and OAS…

Taxes in Canada vs United States

Taxes in Canada vs United States 2026 The truth about who really pays more — comparing income tax rates, what you actually get, and why the numbers aren’t as simple as you think Let’s address the elephant in the room…

TFSA vs RRSP

TFSA vs RRSP Canada 2026 Tax-free flexibility or tax-deferred retirement savings? Here’s the honest breakdown of which registered account actually makes sense for your money Alright, let’s talk about the most Canadian dilemma since choosing between poutine and beaver tails…