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Articles By Vickram Agarwal:

Spend

What is money actually for?

Columnist Vickram Agarwal spent more money than he ever thought he would on two Oasis concerts. The spreadsheet hated...

What is money actually for?
Portrait asian woman smiling relax in coffee shop cafe

Budgeting

In defense of the “dumb” purchase

Optimization culture says that every dollar must be maximized and every latte is a betrayal of your future self,...

In defense of the “dumb” purchase

Financial Planning

Trust, money, and AI: What Canadians are really wrestling with

More Canadians are turning to ChatGPT and other AI tools for money advice. Here's what to know about trust...

Trust, money, and AI: What Canadians are really wrestling with

Newcomers to Canada

The debt gap nobody talks about

Canada is built around borrowing, credit scores, and financing. For many newcomers, adapting to that system can feel overwhelming.

The debt gap nobody talks about

Save

Canadians are quietly overspending on convenience

Food delivery, grocery apps, and other modern conveniences can quietly drain your budget. Here’s why Canadians are spending more...

Canadians are quietly overspending on convenience
Person using a payment terminal at a restaurant

Newcomers to Canada

Canada’s tipping culture can feel like a minefield for newcomers

Canadians may be tired of tipping culture, but newcomers are still trying to figure out the rules.

Canada’s tipping culture can feel like a minefield for newcomers
Jar with coins labeled "education" sitting on top of a stack of books

RESPs

The universal worry: Can we afford our children’s future?

Most Canadian parents are saving for their child’s education, but few feel confident it will be enough. Here’s why...

The universal worry: Can we afford our children’s future?
Young couple at a desk with papers and a computer

Newcomers to Canada

Why filing your taxes is the first financial step that actually matters

Filing your taxes isn’t just a requirement—it’s the first step to accessing benefits, credits, and financial opportunities in Canada....

Why filing your taxes is the first financial step that actually matters

Newcomers to Canada

How global conflict affects your finances in Canada

Global conflicts affect Canadians’ finances in real time. Learn how rising costs, volatility, and uncertainty can impact your budget...

How global conflict affects your finances in Canada