FACTS With Simon.

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FACTS With Simon. Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from FACTS With Simon., 96 Rankin Street, Waterloo, ON.

We help Everyday Canadians stop leaving money on the table-weather that’s paying too much tax, Saving in the wrong accounts, Or just not having a plan.
📩 Free guides & weekly tips — follow to learn more.

10/04/2026

If you got a $10,000 bonus tomorrow, what's the FIRST thing you'd do with it? 💰

A) Pay down debt
😎 Invest it
C) Save for a home
D) Treat myself — I earned it 😎

Drop your letter below 👇 — no judgment, I'm genuinely curious.

Follow Facts with Simon for weekly money facts 🇨🇦

Saving for your first home? The FHSA is the most powerful tool most Canadians still haven't opened 🏠$8,000 a year, $40,0...
10/03/2026

Saving for your first home? The FHSA is the most powerful tool most Canadians still haven't opened 🏠

$8,000 a year, $40,000 lifetime — tax-deductible going in like an RRSP, tax-free coming out like a TFSA. Nothing else in Canada gives you both.

Swipe for the 5 facts that matter 👉

Save this for later — and follow Facts with Simon for weekly money facts 🇨🇦


*Heads-up: your automation fires Saturday morning too — bank that one as a spare for the following week.*

10/02/2026

The $500/month trap 🚗

The salesman never sells you the $30,000 price tag. He sells you the monthly payment — "just $500 a month, totally manageable."

But here's what that hides:

❌ Stretch it to 7 years and that $30,000 car costs you $42,000
❌ Stack it with credit cards and buy-now-pay-later and you're bleeding $12,000 a year
❌ Insurance, repairs, fuel, depreciation — your real monthly cost is way higher than $500
❌ Every dollar locked in payments is stolen from your future wealth

Being able to MAKE a payment doesn't mean you can AFFORD the purchase.

What's the highest monthly car payment you've ever had? Be honest 👇

Follow Facts with Simon for weekly money facts 🇨🇦

RRSP vs TFSA — which one should YOU fund first?It depends on your income, your goals, and when you'll need the money. Sw...
09/29/2026

RRSP vs TFSA — which one should YOU fund first?

It depends on your income, your goals, and when you'll need the money. Swipe for the simple breakdown 👉

Save this for later, and follow Facts with Simon for weekly money facts 🇨🇦


*Heads-up: your automation will also drop a bonus carousel here Tuesday morning — bank it as a spare for next week.*

09/28/2026

Renting is NOT throwing money away 🏠

You've heard it a hundred times: "rent is just throwing money away." But comparing rent to a mortgage payment is mathematically flawed — homeowners also pay interest, property taxes, and maintenance, plus they lock up a massive down payment.

The real comparison isn't rent vs mortgage. It's renting + investing the difference vs owning + building equity.

So — team rent or team own? Drop your take below 👇

Follow Facts with Simon for weekly money facts 🇨🇦

What's the ONE money topic you wish someone would finally explain in plain English?Drop it in the comments — the best an...
09/27/2026

What's the ONE money topic you wish someone would finally explain in plain English?

Drop it in the comments — the best answers become next week's posts 👇

Follow Facts with Simon for weekly money facts 🇨🇦


*Reply to every comment — that's what makes this format work.*

Think the TFSA is just a savings account? Think again.Here are 5 facts every Canadian should know — including the 2026 c...
09/27/2026

Think the TFSA is just a savings account? Think again.

Here are 5 facts every Canadian should know — including the 2026 contribution limit of $7,000.

Save this for later, and follow Facts with Simon for weekly money facts. 🇨🇦



All the numbers are verified for 2026. Next one arrives Tuesday morning.

08/03/2026

Relying on recurring willpower to drive capital accumulation is a fundamentally flawed behavioral strategy. Human decision-making is inherently susceptible to present bias, meaning immediate consumption will consistently outcompete long-term wealth objectives when friction is absent.

The remedy is not an increase in personal discipline, but a structural overhaul of your capital distribution architecture. By implementing automated defaults—such as split direct deposits at disconnected institutions and programmed auto-escalation clauses tied to compensation increases—you remove human agency from the operational workflow.

Over a multi-year horizon, substituting active decisions with systematic inertia shifts capital preservation from an exhausting psychological battle to an unyielding baseline utility. Optimize your defaults to secure future equity.

Strategy

🚨 95% of market corrections never become a crash.When markets fall, fear spreads quickly. But history tells a different ...
07/25/2026

🚨 95% of market corrections never become a crash.

When markets fall, fear spreads quickly. But history tells a different story.

📉 Since 1928:
• 5% pullbacks: 334 times
• 10% corrections: 104 times
• 20% bear markets: Only 27 times

The biggest threat to your investments often isn't the market—it's making emotional decisions during temporary declines.

Understanding the difference between a correction and a bear market can help you stay focused on your long-term goals.

👉 Swipe through to see what nearly 100 years of market history can teach investors.

💬 Which statistic surprised you the most?

⚠️ This content is for educational purposes only and is not individualized investment advice.

07/17/2026

Every bank is happy to help you open an investment account. Why?

Because they have no problem paying you 2% or 3% while earning 9% to 12% from the market using your money.

You think your money is working for you and getting all your returns when you open RRSP, TFSA, FHSA,RESP..No.

In reality, it’s working harder for them.

The biggest mistake isn’t investing—it’s not knowing where most of the return is going.

Before you invest another dollar, ask yourself: Who is benefiting the most from my money—me or the institution managing it?

Financial literacy isn’t about chasing returns. It’s about understanding where your money is really growing.

And if you want help ..call or txt link is in my Bio.

FinancialLiteracy

Address

96 Rankin Street
Waterloo, ON
N2V2B6

Telephone

+12266069548

Website

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