3tej Blog - Page 11
129 guides on personal finance, taxes, real estate, investing, and health.
RRSP vs TFSA vs FHSA 2026: optimal Canadian savings order by income, age, and home-buying goal
Canadian savings priority 2026: RRSP $32,490, TFSA $7,000, FHSA $8,000 (lifetime $40K). When to pick which based on tax bracket, age, home-buying hori...
Buy vs rent 2026: 7-country comparison of break-even year and 10-year net worth
Buy vs rent in 2026: 10-year NPV comparison across US, UK, Canada, Australia, India, UAE, Singapore. Mortgage interest deduction, stamp duty, property...
Australia SkillSelect points 2026: how to reach 95+ for 189 invitation (8 boosts ranked)
Australian skilled migration points 2026: subclass 189/190/491. Hit 65 to pass, 95+ to invite for in-demand occupations. 8 proven boosts ranked: Profi...
How to save A$50,000 for your first home using FHSS in 2026: full Australian super strategy
Australian First Home Super Saver scheme 2026: contribute up to A$15,000/year, A$50,000 total to super, withdraw for first home deposit. 15 percent co...
15-year vs 30-year mortgage 2026: 5-country break-even + opportunity cost math
15-year vs 30-year mortgage 2026: 15-yr saves 40-50% total interest but EMI is 25-30% higher. Opportunity cost of investing the difference at 7%. Brea...
Top 10 US tax deductions for 2026 filers (ranked by average dollar saving)
The 10 biggest US federal tax deductions for 2026 filers: SALT, mortgage interest, charitable, medical, retirement contributions, HSA, student loan, b...