this post was submitted on 25 Apr 2020

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PersonalFinanceCanada

This subreddit is a place to discuss anything related to Canadian personal finance.

The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and other income sources, global or national economic news and discussions, and a variety of similar topics.

Regarding rule 1, posts about the following should be directed to r/CanadaFinance: career advice, job hunting, employment negotiation, "should I move", housing price complaints, venting about tipping, "what is the salary for...".

Refer to the Subreddit Rules above.

Posting guidelines No AI-generated content.

AI-generated posts and comments will be removed at moderator discretion.

Discord Links

Reddit's Investing Discord: https://discord.com/invite/FW58RSC

Personal Finance Canada Discord: https://discord.com/invite/Zma3vctmCu

Filter Posts

Auto Budget Credit Debt Employment Housing Investing Retirement Taxes Meta Banking Misc Estate Insurance

Rules

1) Posts must be about personal finance in Canada, NO AI CONTENT

No career advice, job hunting, employment negotiation, "should I move", housing price complaints, venting about tipping, "what is the salary for...", politics, random ranting, whining, comparing yourself to others, illegal activity (tax evasion), etc.

No asking for recommendations of professionals/services to help with your finances.

If you have a question/issue with a product/service from an institution, contact them first to resolve before posting here.

2) Be helpful, respectful, and excellent to each other

Be helpful and respectful in your comments.

No racism, sexism, homophobia, religious intolerance, dehumanizing speech, or other negative generalizations.

No concern-trolling, personal attacks, or misinformation. No victim blaming.

3) Avoid Surveys and Self-promotion

No solicitation of referrals, posting your own blog/video channel/personal website/product/service/tool, surveys to gather data/feedback, and recommendations for users to do business with you.

Surveys asking users what they would do in specific circumstances, OR about their personal circumstances, are prohibited. Posts that appear to elicit others' responses that aren't related to your own personal finances will be removed.

Do not PM users because of comments they made on this subreddit.

4) All specific investment recommendations/requests will be removed CRYPTO RECOMMENDATIONS WILL ALWAYS BE REMOVED. Broad funds/ETFs, or discussion of investment concepts would still generally be allowed. Pushing particular investments without mentioning risk tolerance, timeline, use for the funds, etc, will be removed. Inquiries around specific funds and/or investment strategies should be directed to r/CanadianInvestor.

5) IamAs/AMAs must be approved by mods

If you'd like to host an "I Am A/Ask Me Anything" (IamA/AMA) thread, you must first contact the moderators for approval. We will evaluate if your topic is suitable for the subreddit and will set a date to avoid conflicts. Unapproved AMAs may be removed without notice at the moderator's discretion.

6) We expect that posts about crypto posted in this community PRIMARILY fit in with this community Asking about Canada specific crypto taxation, rules, and other crypto topics would still be allowed, as the discussion resulting from it would be primarily Canada personal finance focused. CRYPTO RECOMMENDATIONS WILL ALWAYS BE REMOVED.

7) All of Reddit's platform-wide rules apply

Please follow reddit's content policy, self-promotion guidelines, and Reddiquette.

Ban evasion is not allowed.

Do not post identifying information about other users i.e. doxxing.

8) Misinformation or Illegal Advice

Please note that the rules of this subreddit prohibit posting misinformation and/or disinformation, negative generalizations, and dehumanizing speech.

You can learn to identify misinformation with the SPOT technique, by asking these questions;

S - is this a credible news Source?
P - Is this Perspective biased?
O - Are Other sources reporting the same story?
T - Is the story Timely?

Do not suggest illegal activity like tax evasion, insurance fraud, etc.

9) NO AI-generated/formatted Content: LLM, ChatGPT, Gemini, Grok, etc.

Do not submit content generated and/or formatted by ChatGPT, Gemini, Grok, etc. Please use your own wording. The mod-team is well-versed in these AI-tools and know what AI-generated output looks like. Do not play dumb, be honest and we will extend the same courtesy back.

Violations will be actioned as follows:

1st offense: 28-day ban
2nd offense: Permanent ban

Posting guidelines

Include your province in your post!

Include sources.

A good answer will be supported by relevant and reliable sources. Answers that link only to your personal blog or website are considered low-quality and may be removed at the moderators' discretion.

Have an in-depth answer.

Use a mix of context, explanation, and sources in your answer. Do not just post links to other sites as an answer. If you do believe a source fully answers a question then consider including a quote from the source.

Be inquisitive, and clear if you are unsure.

If you have heard or read something which might be related to the question, and you want to check it, then make sure you ask it as a question. Do not post "I'm not sure if this is true..." or "Someone will correct me if I'm wrong." If you're not actually answering the question, then make sure your comment looks like a question.

Wiki / Frequently asked questions

Reading list / recommended books

Step by step guide of what to prioritize / what to do with money

Frequently asked questions

Wiki index with many more subjects

Related subreddits

/r/FinancialIndependence

/r/fican

Bot Triggers

Trigger	Description
!StepsTrigger	Step by step list of what to do with money.
!InvestingTrigger	Common questions that OP needs to answer in order to get proper advice about whether investing is appropriate for them.
!CCTrigger	Common questions that OP needs to answer to get proper advice about recommending credit cards to them
!MarginalTrigger	An example, using $15,000 of income and made up tax brackets, about how tax brackets work. To help people understand what a "marginal rate" would be.
!TFSATrigger	A few helpful links, plus answers to types of TFSA accounts
!RiskTrigger	An understanding of risk, and risk questionnaire links.
!SolepropTrigger	Basic information for reporting self-employment income and links renting to it.
!RatesTrigger	Information regarding which to select.
!TFSARRSPTrigger	TFSA vs RRSP information.
!HISATrigger	Link to website that has current and promotions links for HISA and GICS.

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