Welcome

Cashflows & Portfolios is a free resource providing a beginning-to-end guide for Do-It-Yourself investors. The journey begins with how to budget and generate cash flow; how best to invest that cashflow; onto using the nest egg to fund the next phase of life – retirement. 

We (Mark and Joe) are personal finance bloggers with a combined experience of over 25 years in helping Canadians with their finances. Using this experience, we created this site to provide you with actionable steps towards your financial goals. Both of us are in our 40’s, and like many of you, we started from scratch.  Using the steps and strategies outlined in this site has allowed us to build significant 7-figure portfolios that are leading the way to financial independence (more about us here).

Thanks for visiting – feel free to reach out and don’t forget to subscribe to our free newsletter!

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Featured articles

New Year Financial Checklist Items

financial checklist for the new year

Out with the old, in with the new some say. That said, whatever is old can also be new again with our valuable new year financial checklist items – to start your 2022 personal finance journey off right! Budgets are good but monitoring your cashflow is better in any year! While budgets are good we’re not really fans of them here on this site –…

Latest articles

How to Become The Money Master (Author Q&A and Giveaway!)

The Money Master interrview and giveaway

A new year brings new opportunities to grow and improve for all of us. In The Money Master, author and speaker Sandy Yong shares her personal experiences with money, interviews a few financial experts, and provides some actionable tools to show you how you can:  Develop a millionaire mindset Develop healthy and wealth-building habits that stick  Balance today’s needs with tomorrow’s wants or dreams How…

New Year Financial Checklist Items

financial checklist for the new year

Out with the old, in with the new some say. That said, whatever is old can also be new again with our valuable new year financial checklist items – to start your 2022 personal finance journey off right! Budgets are good but monitoring your cashflow is better in any year! While budgets are good we’re not really fans of them here on this site –…

Cashflows and Portfolios Best of 2021

cashflows and portfolios best of 2021

Happy Holidays everyone! Thanks for being part of our journey at Cashflows & Portfolios. Welcome to our best of 2021 where we will highlight some milestones and top posts from the last year. Our mission on this site is something quite unique in Canada. We’re not running this site to share any personal finance journey perspectives like many other blogs. In fact, we don’t share…

Top Year-End Tax Season Tips

top year end tax season tips

While you might be focused on other things this holiday season, the end of the calendar year is also a great time to get recharged and reorganized before another year approaches. Here are some of our favourite year-end tax season tips to save money now and build wealth later. Year-End Tax Season Tips 1. Receipts matter. Be aware an audit from our Canada Revenue Agency…

Is it Possible to Retire at 32 with a $1M Portfolio?

retire at 32 with 1m portfolio

Advocates and passionate followers of the Financial Independence, Retire Early (FIRE) movement have been ripped by some financial professionals for years now because financial planning is now harder than ever, and there is no magic bullet to any finance independence journey. So, we figured we’d answer this question with some math for today’s post to fuel that discussion: Is it possible to retire at 32…

Why You Should Take CPP at Age 70

why you should take cpp at 70

To help make good financial decisions today, that impact your tomorrow, you need to make some assumptions about the future. When you should take your Canada Pension Plan (CPP) benefit is one of those decisions. So, when and why take CPP at age 70? This post provides the goods including a link to one of our case studies. What is CPP? The Canada Pension Plan…

What is Inflation, Deflation, Stagflation?

what is inflation,deflation,stagflation

In economics, experts love to use complex terms to explain simple subjects. Well, for today’s post, we’re going to break down what is inflation, deflation and stagflation in simple terms including what that means for you and me – the passionate DIY investor. Read on and let us know your thoughts! What is Inflation, Deflation, Stagflation? What is Inflation? At the most basic level, inflation…

Top Bitcoin ETFs in Canada

top bitcoin ETFs in Canada

There’s no question that owning crypto assets, including Bitcoin, is hot with some investors.  Any crypto assets however can be very volatile, fraught with uncertainty, and to be honest – they might not pan out at all long-term. So, if you’re going to own Bitcoin, what are the Top Bitcoin ETFs in Canada? Should you even bother owning Bitcoin or any crypto in your portfolio?…