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@calmmoneycoach Avatar @calmmoneycoach Brian | Calm Money Coach

Brian | Calm Money Coach posts on TikTok about money, stocks, dividend, capital gains the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.

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Social Influence

Social category influence finance XXXXX% stocks XXXX% countries XXXX% currencies XXXX%

Social topic influence money 37.5%, stocks 25%, dividend #231, capital gains #80, $50k #61, tax bracket #828, math #1991, canada 6.25%, $10k 6.25%, $40k XXXX%

Top Social Posts

Top posts by engagements in the last XX hours

"This is what they dont teach you in school Capital gains are taxed at HALF the rate of regular income in Canada. Buy a stock for $10K sell for $50K = $40K gain. Only $20K is taxable. The other $20K Tax-free. At XX% tax you pay $8K and keep $42K. Compare that to regular income or dividends: Regular income: XX% tax = XX% gone US dividends: XX% tax = XX% gone CDN dividends: XX% tax (dividend tax credit) Capital gains: XX% effective tax (50% x 40%) Plus the BIG difference - TIMING: Dividends = taxed EVERY year (no control) Capital gains = only taxed when YOU sell (you control the timing) Example:"
TikTok Link 2025-10-23T14:42Z 4061 followers, 14.1K engagements

""What do I hold in each account" 👈 Most common question I get. Just educational not advice please talk to a professional before making changes. Here's my strategy (education not advice): My philosophy: Growth equity everywhere when you have time on your side. TFSA XEQT VEQT (CAD-listed) Tax-free growth forever Keep it simple RRSP VOO VTI QQQ (US-listed) ONLY account with tax treaty benefit If you hold bonds/GICs shelter them here Non-Registered 📈 VUN XEQT (long-term buy & hold) Capital gains = XX% inclusion only when you sell CAD dividends work here too Never US dividends or bonds"
TikTok Link 2025-11-24T16:56Z 4061 followers, 6641 engagements

"The X core ETFs that make up most portfolios for many investors: S&P XXX (VFV VOO) Total US Market (VUN VTI) Tech Tilt (QQQM) and International (VXUS VIU). This is educational content showing Canadian and US-listed options where to hold them (TFSA vs RRSP vs Taxable) and the overlap to be aware of. If your portfolio is already working for you dont change it. This is for people researching their core strategy. #VTI #VOO #VXUS #QQQM #CoreETFs"
TikTok Link 2025-11-12T22:25Z 4061 followers, 939.3K engagements

"Groceries. Gas. Rent. Daycare. It all feels harder right now. I wanted to understand why not the headline stuff but what the actual data shows about the structural reasons behind the squeeze on Canadian families. I pulled XX years of macro data and found three things: X. Housing decoupled from income. In 2000 a home cost 4x the average income. Today it's 8x. Income rose 60%. Housing rose 220%. X. Productivity flatlined. Canada produces about $20000 less economic value per worker than the US. That's why wages feel stuck businesses stopped investing in the tools and technology that make workers"
TikTok Link 2025-11-26T22:35Z 4061 followers, 2347 engagements

"TFSA vs RRSP vs Taxable: The $110K Mistake (Canadian Tax Strategy) TFSA RRSP or Taxable account Growth stocks or dividend stocks I ran the numbers over XX years and the results are shocking: some strategies beat others by over $110000. 📊 FREE TAX CALCULATOR: https://calmmoneycoach.kit.com/taxcalc #TFSA #RRSP #CanadianInvestor #TaxStrategy #PersonalFinanceCanada"
TikTok Link 2025-10-20T23:38Z 4057 followers, 26.1K engagements

"HGRO paid $X in distributions last year. VGRO paid $2470. Same portfolio. How is that legal and why does it save you thousands Swap ETFs convert your dividends into capital gains letting you defer tax for decades. Heres how they actually work: 🔹 Bank holds the stocks (not you) 🔹 Bank pays corporate tax (27% vs your 35%+) 🔹 You get zero distributions = zero annual tax 🔹 Everything becomes capital gains when YOU sell On $100K invested thats $875/year you keep compounding instead of paying to CRA. Over XX years You save $30K-$40K. The catch Limited to basic indexes someone still pays tax"
TikTok Link 2025-11-06T23:34Z 4061 followers, 5847 engagements

"Canadian Investor Guide: US Dividends vs Canadian Dividends 📊 Where you hold your dividend stocks MATTERS: US dividends in TFSA: XX% tax US dividends in RRSP: X% tax US dividends in Taxable: XX% tax Canadian dividends in Taxable: XXXX% tax I break down the exact math for TFSA RRSP and taxable accounts so you know where to hold each type of stock. 📈 Full tax breakdown with real numbers 💼 CPA with 15+ years experience #CanadianInvestor #USDividends #CanadianDividends #TFSA #RRSP Which account do you hold your US stocks in"
TikTok Link 2025-10-17T15:41Z 4061 followers, 80.2K engagements

"There's a tipping point with RRSPs where you start getting into a tough tax position. Once you hit $500K-$1M you're getting forced into massive withdrawals at XX. $30K-$35K in taxes EVERY year. And if you die Your RRSP is fully taxable to your heirs. I'm at a XX% tax bracket. RRSP works great for me NOW. But I have $180K in there and I'm not letting it go past $500K-$1M. Balance your accounts: ✅ TFSA first ✅ RRSP for employer match (but don't overstuff) ✅ Taxable for flexibility #moneytok #rrsp #tfsa #canadianinvesting #retirementplanning"
TikTok Link 2025-10-22T16:12Z 4061 followers, 93.8K engagements

"VOO and VFV track the same index. Same XXX stocks. But one costs you $12000 in your RRSP. Heres the rule: RRSP Always buy US version (VOO) TFSA Depends on your currency conversion cost The magic number is 0.83%. Your broker charges more than that to convert CAD to USD Buy the Canadian version. Less than that Buy the US version. Most brokers charge XXX% so Canadian wins. But Norberts Gambit cuts it to XXX% and US wins. This rule works for any Canadian vs US ETF pair: VOO/VFV VUN/XUU QQQ/ZQQ - same math. Download the full spreadsheet with every formula: calmmoneycoach.kit.com/cdnorusetf"
TikTok Link 2025-10-24T21:02Z 4061 followers, 36.3K engagements

"If you're holding VFV in your RRSP instead of VOO you're losing XX% of every dividend to US withholding tax. Here's the math: 📊 $100K in S&P 500: VOO: $1300/year ✓ VFV: $1105/year ✗ You lose: $195/year 📊 $100K in SCHD (3.4% yield): SCHD: $3400/year ✓ Canadian wrapper: $2890/year ✗ You lose: $510/year Over XX years That's $10000-$20000+ gone to withholding tax. The fix is simple: 🟢 RRSP: Hold US-listed ETFs (VOO VTI SCHD VYM) 🔵 TFSA/Taxable: Either works The tax treaty isn't going away - it's CRA IRS and both legislatures. Been in place since 1980. Yes FX fees matter when you buy. But"
TikTok Link 2025-11-01T16:31Z 4061 followers, 15.7K engagements

"Part X of 3: Investing Inside Your Corporation In Part X we learned corporations let you defer tax and keep more money compounding. But WHAT you invest in matters just as much. The problem: ALL investment income inside a corp is passivetaxed at XX% not 12%. Hit $50K You also lose your Small Business Deduction. Double penalty. Two buckets: Dividends/Interest RDTOH messy refund games $XX net Capital Gains CDA tax-free $XX net The strategy: Focus on GROWTH Minimize passive income Defer the gains longer = bigger arbitrage When you sell comes out tax-free via CDA The solution: Swap-based ETFs."
TikTok Link 2025-12-11T16:54Z 4061 followers, XXX engagements