We are now well into 2026 and your New Year’s Resolution about managing your money better may have already been forgotten. As the late Sir John Templeton famously stated, the best time to invest is when you have money! The challenge for most people – with many people just struggling to make ends meet – is just getting started.

You can begin with a basic monthly contribution to your RRSP or TFSA to get into the savings habit. The younger you are, the better, but it is never too late to start as long as you are still working. Just don’t expect miracles if you don’t start saving for retirement until your mid-50’s for example.