{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Money Questions","title":"Where You're At, To Where You're To: Year End Tax Planning","html":"","width":"100%","height":180,"duration":1906,"description":"How can Canadian households get ahead of their tax bill before year-end? In this episode of Money Questions, Matthew McGowan and Nathan England discuss how to understand your household’s tax picture, plan around multiple income sources, and choose financial strategies that fit your goals.\nThey cover why year-end pay stubs and CRA account records are useful starting points; how multiple jobs, retirement income, and other sources of money can affect tax withholding; and why some people may need to plan for tax instalments. They also discuss how goals such as building an emergency fund or saving for a home can shape decisions about TFSAs, RRSPs, and FHSAs.\nThe conversation touches on tax deductions, credits, and income-tested benefits; Nova Scotia’s MOST program; retirement income, spousal RRSPs, and income splitting; and strategies such as tax-loss harvesting and charitable giving. A practical discussion about Canadian tax planning, household finances, and making time for decisions before December 31.\nChapters:\n00:00 Money Questions \n00:43 Year-end tax planning for households \n02:07 Start by understanding where you are \n03:27 Pay stubs, income, and tax withholding \n06:27 Multiple jobs and potential tax bills \n07:45 Tax instalments and additional income sources \n09:04 Match tax planning to your financial goals \n09:10 Emergency savings, TFSAs, and RRSP contributions \n10:57 Planning for near- and long-term goals \n11:28 Saving for a home with an FHSA \n12:30 Deductions, credits, and CRA records \n15:16 Nova Scotia’s MOST program \n17:57 Life events and the Canada Child Benefit \n19:12 Retirement income and tax withholding \n22:02 Planning for a spouse’s death and final tax returns \n23:09 Savings goals and taxable interest \n25:01 Spousal RRSPs and income splitting \n27:44 Tax-loss harvesting \n28:53 Charitable giving and gifting \n30:41 The year-end planning recap\nTo learn more, visit: https://www.evangelinewealth.com/\nDISCLAIMER: The comments contained herein are a general...","thumbnail_url":"https://img.transistorcdn.com/80xHWJv-eUp-4fNPTORyJy71SJwTauPmemz-84Hheig/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8xMTlk/NDliOWQyMjI0MDMy/MTI0MTAyNThhNmYz/YjRmMS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}