Divya Moreau
MBA, Financial Educator
Divya is an MBA graduate and financial educator based in Calgary with a passion for helping Canadian families build wealth through disciplined saving and smart investing. She specializes in mortgage planning, real estate analysis, retirement projections, and first-home buyer strategies. Her writing translates complex financial concepts into clear, actionable steps for real Canadians.
Articles by Divya Moreau
With three kids and years of missed grant room, the Martins assumed they had lost out. A measured catch-up plan let them claim grants per child without straining the month.
October 15, 2026
The Tremblays had a few hundred dollars a month to spare and two strong opinions about it. Instead of arguing, they modelled both paths side by side.
October 4, 2026
Nadia kept feeling poorer than her bank balances suggested. The culprit was not her spending — it was a mortgage that had quietly been counted twice.
October 1, 2026
Priya kept agonizing over small spending choices while ignoring bigger levers. Then she turned planning into a game of what-ifs — and discovered the change that actually mattered.
September 17, 2026
When the back-to-school flyers arrived, Marc realized he had skipped a couple of years of RESP contributions. The good news: the government grant room was still waiting for him.
August 26, 2026
Jordan and Sam had read blog posts about the Smith Manoeuvre but could not agree on whether it was worth the risk. The calculator turned a vague debate into numbers their broker could react to.
April 2, 2026
How choosing the wrong account cost Marcus $12,000 in lost benefits. Learn the optimal order to contribute to FHSA, RRSP, TFSA, RESP, and RDSP.
February 27, 2026
Priya thought she was 'probably fine' for retirement — until she ran the numbers. Here's how she found an $800/month gap and built a 3-step plan to close it before 55.
February 22, 2026
Marcus was earning $95,000 a year but had less than $2,000 in savings. The cash flow calculator revealed he had 14 active subscriptions and was dining out 18 times a month.
February 22, 2026
Aisha and Raj were paying $2,800 a month in rent and wondering if buying was smarter. The calculator gave them the answer — and a crucial warning.
February 22, 2026
Deepa thought a $550,000 Toronto condo renting for $2,200 was a great investment. The calculator showed she'd lose $350 every month before accounting for vacancies.
February 22, 2026
Choosing the right mortgage strategy can save you tens of thousands of dollars. With our new comparison engine, you can now model every scenario from rate changes to recurring prepayments.
February 14, 2026
Earning 0.05% in a big bank savings account? You're leaving hundreds of dollars on the table. Here are the best alternatives for 2026.
February 13, 2026
Marcus felt stuck with credit card debt and a dream of homeownership. Here is how he used our chain calculator to build a realistic 4-year roadmap.
February 12, 2026