Money decisions, modeled out in plain numbers.
Free tools, animated explainers and plain-language articles on retirement planning, financial freedom and investing. Built for Canadians, useful anywhere.
Assumes a 5% real return and a 4% withdrawal rate. How this works
What I'm building
Free calculators that do the arithmetic so you can focus on the decision. More are on the way.
Financial Freedom Planner
Pick your freedom age and the lifestyle you want, then work backwards to the monthly investment it takes. Runs in your browser, no account needed.
Open the plannerNorbert's Gambit Calculator
Compare converting CAD to USD at a bank's exchange rate with converting through a dual-listed ETF, using your own prices and fees.
Run the numbersVideo explainers
Animated breakdowns of retirement math, TFSA, RRSP and FHSA choices, gold, options and AI stocks, with every number on screen.
Watch on YouTubeRead the reasoning
Big Tech's $2.2 billion-a-day spending bill
Microsoft, Alphabet, Amazon and Meta spent about US$202 billion on property and equipment in one quarter. Who had cash left, and who is funding the gap?
7 min read Stock analysisSanDisk vs Western Digital vs Seagate
All three storage makers reported record quarters and their stocks fell anyway. Growth, margins, cash, price and risk, compared head to head.
7 min read Stock analysisIntel and Reddit: growth, then a 29% drop
Intel's revenue grew 21% and Reddit's 53%, yet both stocks lost about 29% on October 30. The answer is in the outlook, not the last quarter.
7 min read Stock analysisNvidia, Microsoft, Credo: three numbers
Nvidia's data centre concentration, Microsoft's shrinking cash after capex and Credo's two growth rates, explained with reported figures.
5 min read Stock analysisCash flow after capex, explained
Operating cash flow, capital expenditures and free cash flow in plain language, and why one quarter of data can mislead you.
6 min read RetirementHow much do you need to retire?
A simple way to estimate your retirement number: start from spending, subtract CPP and OAS, then divide by a withdrawal rate. Plus the caveats that matter.
6 min readWatch, follow, ask
New explainers every week. Shorts and Reels go out most evenings.
Questions, ideas or collaborations?
Want a topic covered, found a mistake in a number, or interested in working together? Send an email, or message the channel on Instagram or Facebook. I read everything, though I can't give personal financial advice.