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Stay connected with fellow expats, discover valuable tips and insights and celebrate the Canadian Spirit wherever you are.

06/14/2026

If you watched a video about moving to Portugal that was made before this year, you need to forget everything it told you! 🛑 There are three massive things that changed in 2026, and most creators haven't caught up yet.

Here is what you actually need to know if you are planning to apply for a D7 or D8 visa:
1️⃣ Income Requirements: The amount you need to earn per month for the D7 visa used to be €760. Because it is tied to Portugal's minimum wage, that requirement has now jumped to €920 per month (or about €11,000 per year).
2️⃣ The D8 Digital Nomad Visa: Historically, remote workers used the D7 visa, but in 2026, immigration is steering remote workers toward the D8 Digital Nomad visa instead. The D7 is now meant strictly for passive income like pensions, rental income, or investments.
3️⃣ Passport Timelines: If your entire exit strategy relied on a 5-year timeline to get your passport, that plan has changed. The new law as of May 2026 shifts the timeline to 10 years for most people, and seven years if you are from the EU or a Portuguese-speaking country.

We all know that the rules on paper and the rules in practice are not always the exact same thing. So if you are currently living in Portugal on a D7 or D8 visa, let us know in the comments—does this match what you are actually experiencing with IMA and the consulate? Let's discuss, and let me know what country you want me to break down next! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

06/13/2026

I am currently in Romania, not Costa Rica—which is exactly why you need to hear this! 🌍 Everyone making Costa Rica content right now seems to be selling a course or pitching real estate, so here is the unbiased truth based on my own research.
If you are thinking of moving or working remotely in Costa Rica, here are 3 things that change everything:
1️⃣ The 180-Day Myth: Everyone says you automatically get a 180-day tourist visa, but it actually depends entirely on the border guard, who might only stamp you for 90 days. Plus, if you don't have proof of an onward flight leaving the country, you might not even be allowed to board your plane in Canada or the US!
2️⃣ Digital Nomad Visa: If you want to work remotely, skip the tourist route and look into the digital nomad visa. To qualify, you will need to prove an income of $3,000 per month, which also gets you a one-time import tax waiver.
3️⃣ Health Insurance: Your provincial or state health card will not work, and a basic travel policy from CAA or AAA isn't going to cut it. Costa Rica requires a minimum $50,000 health insurance policy to let you stay.
No matter how much you read on government websites, real life on the ground is always different. For those of you who have actually made the move, what did I get wrong? Let me know in the comments, and follow along for the next country breakdown! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

06/11/2026

Are you planning to move abroad and thinking you can simply "choose" your Canadian tax residency status? It’s a common misconception, but your tax residency isn't a matter of preference—it's based entirely on the specific rules and facts of your situation!

In this video, I am speaking with Ruby Chouhan from 360 Global Tax, to break down exactly how the Canada Revenue Agency determines your status by looking incredibly closely at your primary residential ties. For example, if you move abroad two months in advance but your spouse or partner stays behind in Canada, you are typically still considered a Canadian tax resident until they leave, too. This means your worldwide income remains completely taxable in Canada during that time! Other major primary ties include having minor dependents remaining in Canada, or keeping your Canadian real estate available for your own personal use.
Proactive planning is everything when it comes to severing ties. Every single financial situation is completely unique, but I’d love to know—are you planning to move abroad with your whole family at once, or in stages? Let's discuss in the comments! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

06/08/2026

Wondering how to actually tell the Canada Revenue Agency (CRA) that you are moving abroad? 🌍 Many expats assume they need to submit an official form before they leave, but cross-border accountants usually advise against it!

While the CRA does have a specific questionnaire for this—called the NR73 (Determination of Residency Status)—it is a massive 70+ question document. The catch? Depending on how you answer, the CRA can easily issue an incorrect opinion about your residency status. This can lead to completely unnecessary complications, like missing out on tax withholding requirements for your rental income or getting the wrong NR4 slips! In some cases, married couples have submitted the exact same form and received two completely different residency opinions!

Unless your situation is incredibly convoluted, the most proactive strategy is to have a cross-border professional assess your residential ties and advise you directly, rather than asking the CRA for an opinion. Every single financial situation is completely unique, but I’d love to know—have you started looking into your residency status yet? Let's discuss in the comments! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

06/07/2026

Are you planning a move abroad and looking forward to a lower cost of living? 🌍 It is important to remember that a cheaper destination does not automatically guarantee financial freedom!

The "Financial Pillar" of moving abroad is all about understanding the "what"—what your life actually costs and what your income looks like across borders. Even with a lower cost of living, you need to proactively plan for ongoing tax obligations back in Canada, new healthcare costs, and currency fluctuations that can completely change your purchasing power overnight. Your retirement budget was likely built on assumptions that may no longer be true the moment you land in your new home!
The best proactive step you can take before moving is to sit down with a financial advisor who specializes specifically in expats. Understanding the complex rules around foreign income, tax treaties, retirement distributions, and international banking can save you thousands and ensure your dream move is a success. Every single financial situation is completely unique, but I’d love to know—have you stress-tested your expat budget yet? Let's discuss in the comments! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

06/07/2026

Everyone talks about the money and the visa. Nobody talks about the grief. Before you buy that ticket, you need to understand the emotional pillar — because moving abroad isn't just a logistical decision, it's an identity shift.

One recommendation before you go: journal your why. On the hard days, it's everything.
Follow for the full framework: emotional → logistical → financial.

Disclaimer: This content is for informational and educational purposes only. Nothing here constitutes financial, legal, or immigration advice. Always consult a qualified professional for your specific situation.

06/06/2026

Planning your move out of Canada? 🌍 Before you pack that very first box, you need to have a solid strategy for your logistics!

Many expats underestimate the administrative side of moving abroad. Almost every single item on your moving checklist—from updating government offices to processing international financial paperwork—comes with a mandatory waiting period. Because these processing times can easily bottleneck your plans, proactive planners always give themselves a strict 90-day runway!
Giving yourself three full months ensures you have enough time to handle the essential logistics that will literally make or break your exit strategy, allowing for a smooth and stress-free departure. Every single move is completely unique, but I’d love to know—how far in advance are you planning your exit? Let's discuss in the comments! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

06/05/2026

Planning to turn your Canadian home into a rental property when you move abroad? 🏠 Before you pack your bags, you need to understand how your property's "cost basis" is calculated for tax purposes!
When you change your primary residence into an income-producing rental, the Canada Revenue Agency (CRA) usually triggers a deemed disposition. By default, if no specific tax election is filed, the new cost basis of your property becomes its fair market value at the time of the change in use.

However, proactive planners can look into filing a Section 45(2) election! If this election is filed, you use the original purchase price as your cost basis and can add in the principal residence exemption for the number of years you lived in the property as a resident, plus one extra year.

Every single financial situation is completely unique, but I’d love to know—are you planning to rent out or sell your Canadian home when you move? Let's discuss in the comments! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

06/05/2026

Ever wonder how this entire channel actually started? 🎬 Here is a little behind-the-scenes reality check!
A few months ago, I was completely addicted to scrolling TikTok, which we all know can feel exactly like a slot machine. I realized I was wasting so much time until I came across a creator who challenged me to a 100-day video sprint. The advice was simple: just open your phone, talk into it for 60 seconds, and don't worry about what you say because nobody is watching anyway!
My very first video was literally just me at 5:30 AM heading to the gym in the freezing winter dark. Since then, I have been waking up at 4:00 AM every single day to practice recording and build this community, all while still working my regular day job! And yes, I still make massive rookie mistakes—like recently doing an hour-and-a-half interview and completely forgetting to hit the record button! 🤦‍♂️
Building this has been an incredible journey. What is the funniest mistake you have ever made at your job? Let me know in the comments! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

05/29/2026

Are you planning to keep your Canadian financial advisor when you move abroad? 🌍 It is a great idea to check their licensing first!

Because investment advice is strictly regulated by jurisdiction, many Canadian investment platforms and advisors are only licensed to manage accounts for residents of Canada. If you move to a country like the US or the UK, your Canadian advisor may no longer be legally allowed to manage your portfolio because they lack the specific license for your new country.
This isn't personal; it is just international securities law! To avoid any surprises, have a proactive conversation with your financial advisor before you move. This will help you understand any trading restrictions and allow you to smoothly transition your wealth management if necessary. Every single financial situation is completely unique, but I’d love to know—have you discussed your move with your advisor yet? Let's chat in the comments! 👇

Disclaimer: This content is intended as general information only and is not to be relied upon as constituting legal, financial, or other professional advice. Every case is different, and your specific situation must be evaluated and handled on its own merits. A professional advisor should be consulted regarding your specific situation. The information presented is believed to be factual and up-to-date, but its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed.

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