[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @calmmoneycoach Brian | Calm Money Coach Brian | Calm Money Coach posts on TikTok about money, tax bracket, $35k, math the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours. ### Engagements: XXXXXX [#](/creator/tiktok::7546850221843514376/interactions)  - X Week XXXXXX +51% - X Month XXXXXX -XX% ### Mentions: X [#](/creator/tiktok::7546850221843514376/posts_active)  - X Month XX +3.60% ### Followers: XXXXX [#](/creator/tiktok::7546850221843514376/followers)  - X Week XXXXX +6.50% - X Month XXXXX +32% ### CreatorRank: XXXXXXX [#](/creator/tiktok::7546850221843514376/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) #5424 [stocks](/list/stocks) XXXX% [countries](/list/countries) XXXX% [currencies](/list/currencies) XXXX% **Social topic influence** [money](/topic/money) #2024, [tax bracket](/topic/tax-bracket) #107, [$35k](/topic/$35k) #1, [math](/topic/math) #311, [if you](/topic/if-you) 12.5%, [capital gains](/topic/capital-gains) #73, [$40k](/topic/$40k) #18, [stocks](/topic/stocks) #4092, [$500k](/topic/$500k) 6.25%, [$1m](/topic/$1m) XXXX% **Top assets mentioned** [Charles Schwab Corporation (SCHW)](/topic/charles-schwab) ### Top Social Posts Top posts by engagements in the last XX hours "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](https://www.tiktok.com/@calmmoneycoach/video/7564079571344084244) 2025-10-22T16:12Z 3909 followers, 90.9K 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](https://www.tiktok.com/@calmmoneycoach/video/7567795552583240980) 2025-11-01T16:31Z 3909 followers, 15.3K engagements "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](https://www.tiktok.com/@calmmoneycoach/video/7564427578698763540) 2025-10-23T14:42Z 3903 followers, 13.6K 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](https://www.tiktok.com/@calmmoneycoach/video/7564896654294404372) 2025-10-24T21:02Z 3903 followers, 35.2K 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](https://www.tiktok.com/@calmmoneycoach/video/7569759847491702037) 2025-11-06T23:34Z 3850 followers, 5816 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](https://www.tiktok.com/@calmmoneycoach/video/7576336762499353876) 2025-11-24T16:56Z 3909 followers, 5663 engagements "Fear gets clicks. Research builds wealth. Not financial advice but this has what worked for me from data. X studies your financial advisor hopes you never see: 📊 Charles Schwab - Missing XX best days over XX years costs you $290K. Those days usually happen right after the worst days. 📊 Vanguard - Lump sum beats dollar-cost averaging XX% of the time. DCA is emotional insurance not a strategy. 📊 S&P SPIVA Scorecard - XX% of active funds underperform after fees. Youre paying for a Porsche and getting a Civic. The math doesnt care about your feelings. Deploy capital when you have it. Sources:" [TikTok Link](https://www.tiktok.com/@calmmoneycoach/video/7577917576567639316) 2025-11-28T23:10Z 3903 followers, XXX engagements "Cash Damming explained for Canadian rental property owners. The net math: Yes Landlord B ends up with $19K more total debt ($264K vs $245K). But they collected $35K in tax refunds along the way. Net advantage: $16K ahead. And going forward Landlord A pays X% on $245K = $12250/year in non-deductible interest. Landlord B pays XXX% on $264K = $17160/year BUT after the XX% deduction actual cost is $10800/year. More debt. Lower carrying cost. Thats the point. Important notes: The HELOC can expand over time as your home value increases - thats what makes this work long-term This doesnt cover the" [TikTok Link](https://www.tiktok.com/@calmmoneycoach/video/7578558152640040213) 2025-11-30T16:36Z 3882 followers, 1.2M engagements "One wrong choice between these two can cost you $40K over XX years. I ran the math for three income levels. Heres what I found: $35K income: TFSA wins (GIS clawback destroys RRSP) $75K income: Its a tie (TFSA more flexible) $150K income: RRSP wins but only if you reinvest the refund GIS = Guaranteed Income Supplement. Its a benefit for low-income seniors but RRSP withdrawals trigger a XX% clawback. TFSA withdrawals dont. The refund isnt free money. Its a loan. Spend it and you lose the entire advantage. Save this for tax season. #tfsa #rrsp #canadianfinance #financialplanning" [TikTok Link](https://www.tiktok.com/@calmmoneycoach/video/7578934214448401684) 2025-12-01T16:55Z 3909 followers, 4475 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@calmmoneycoach Brian | Calm Money Coach
Brian | Calm Money Coach posts on TikTok about money, tax bracket, $35k, math the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.
Engagements: XXXXXX #
- X Week XXXXXX +51%
- X Month XXXXXX -XX%
Mentions: X #
- X Month XX +3.60%
Followers: XXXXX #
- X Week XXXXX +6.50%
- X Month XXXXX +32%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance #5424 stocks XXXX% countries XXXX% currencies XXXX%
Social topic influence money #2024, tax bracket #107, $35k #1, math #311, if you 12.5%, capital gains #73, $40k #18, stocks #4092, $500k 6.25%, $1m XXXX%
Top assets mentioned Charles Schwab Corporation (SCHW)
Top Social Posts
Top posts by engagements in the last XX hours
"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 3909 followers, 90.9K 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 3909 followers, 15.3K engagements
"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 3903 followers, 13.6K 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 3903 followers, 35.2K 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 3850 followers, 5816 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 3909 followers, 5663 engagements
"Fear gets clicks. Research builds wealth. Not financial advice but this has what worked for me from data. X studies your financial advisor hopes you never see: 📊 Charles Schwab - Missing XX best days over XX years costs you $290K. Those days usually happen right after the worst days. 📊 Vanguard - Lump sum beats dollar-cost averaging XX% of the time. DCA is emotional insurance not a strategy. 📊 S&P SPIVA Scorecard - XX% of active funds underperform after fees. Youre paying for a Porsche and getting a Civic. The math doesnt care about your feelings. Deploy capital when you have it. Sources:"
TikTok Link 2025-11-28T23:10Z 3903 followers, XXX engagements
"Cash Damming explained for Canadian rental property owners. The net math: Yes Landlord B ends up with $19K more total debt ($264K vs $245K). But they collected $35K in tax refunds along the way. Net advantage: $16K ahead. And going forward Landlord A pays X% on $245K = $12250/year in non-deductible interest. Landlord B pays XXX% on $264K = $17160/year BUT after the XX% deduction actual cost is $10800/year. More debt. Lower carrying cost. Thats the point. Important notes: The HELOC can expand over time as your home value increases - thats what makes this work long-term This doesnt cover the"
TikTok Link 2025-11-30T16:36Z 3882 followers, 1.2M engagements
"One wrong choice between these two can cost you $40K over XX years. I ran the math for three income levels. Heres what I found: $35K income: TFSA wins (GIS clawback destroys RRSP) $75K income: Its a tie (TFSA more flexible) $150K income: RRSP wins but only if you reinvest the refund GIS = Guaranteed Income Supplement. Its a benefit for low-income seniors but RRSP withdrawals trigger a XX% clawback. TFSA withdrawals dont. The refund isnt free money. Its a loan. Spend it and you lose the entire advantage. Save this for tax season. #tfsa #rrsp #canadianfinance #financialplanning"
TikTok Link 2025-12-01T16:55Z 3909 followers, 4475 engagements