Sarah Chen

CFP Candidate

Sarah is a personal finance writer and CFP candidate based in Toronto. With over 6 years of experience covering Canadian tax-advantaged accounts, retirement planning, and investment strategies, she helps everyday Canadians navigate complex financial decisions. Her work focuses on making professional-grade financial planning accessible to everyone — not just those who can afford an advisor.

Articles by Sarah Chen

Account-Specific

Best TFSA Brokerage Promotions Canada 2026

Looking to transfer your TFSA? Here are the best brokerage promotions specifically for Tax-Free Savings Accounts.

December 15, 2025

Subscription

Why TrackMoola Pro is Worth It for Canadian Couples

Models for couples are finally here. Learn why TrackMoola Pro is the only financial app that understands shared expenses, individual accounts, and joint goals.

February 27, 2026

savings

How Sarah Turned $1,000 Into $4,500 Every Year With Her RDSP

A real story of maximizing RDSP government grants. Learn how the Canada Disability Savings Grant and Bond can multiply your savings by 350%.

February 27, 2026

Tax Planning

Should You Take an RRSP Loan? A Complete Guide with Real Scenarios

With the March 2, 2026 RRSP deadline approaching, many Canadians wonder: should I borrow to maximize my contribution? Learn when RRSP loans work—and when they don't.

February 7, 2026

Tax Planning

How I Chose Between RRSP and TFSA Using the Account Type Comparison Calculator

I had $10,000 to invest but didn't know whether to put it in my RRSP, TFSA, or a non-registered account. Here's how the Account Type Comparison calculator gave me a clear answer—and the exact numbers behind it.

January 25, 2026

Tax Planning

How I Avoided a TFSA Over-Contribution Using the Room Calculator

I was about to contribute $7,000 to my TFSA in 2026 when I decided to double-check my room. Here's how the TFSA Room Calculator showed I had already used part of my limit—and saved me from a costly mistake.

January 20, 2026

Tax Planning

How I Used the RRSP Room Calculator to Plan My Contribution and Refund

With the RRSP deadline approaching, I wasn't sure how much room I had or what my refund might be if I contributed $10,000. The RRSP Room Calculator gave me both numbers in seconds.

January 14, 2026

Tax Planning

How the FHSA Room Calculator Helped Me Max Out Before Buying My First Home

I opened an FHSA in 2024 but hadn't contributed the full $8,000 each year. When I got serious about buying in 2026, I used the FHSA Room Calculator to see how much I could still contribute and what my remaining lifetime room was.

January 8, 2026

Personal Finance

How Priya Built a $12,000 Emergency Fund in 10 Months

Priya had $200 in her savings account and a nagging fear of 'what if.' Here's how she turned that anxiety into a $12,000 safety net in under a year.

February 13, 2026

Education Savings

How New Parents Sofia and James Unlocked $7,200 in Free Education Money — Without Increasing Their Budget

Sofia and James were contributing $100/month to their daughter's RESP. The calculator showed they were leaving $300/year in free government money on the table.

February 22, 2026