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!

get wealthier

Sign up for our free email newsletter to get our cashflow spreadsheet and be notified when new content is posted. You’ll also get exclusive content only made available for our subscribers. We have a 100% no-spam policy – see our privacy policy here.



If financial projections and retirement readiness are what you are after, we using some professional financial software (software that we are using for our own plans in fact), and making it available to you in our affordable and value-packed membership options. With this powerful software, we provide a detailed report(s) that answers questions specific to your financial situation and assumptions such as:

  • Do I have enough to retire?
  • When can I retire?
  • Will I run out of money in retirement?
  • What is the most I can spend in retirement?
  • How much of a financial legacy can I leave behind?
  • Should I take CPP at age 65 or 70?
  • How do I minimize OAS clawback?
  • Which account (and when) should I withdraw from for the highest tax efficiency and estate value?

Featured articles

TFSA vs. RRSP – Why the TFSA wins

why tfsa is better than rrsp

A quick search will highlight lots of articles that debate whether it is beneficial to invest inside the Tax-Free Savings Account (TFSA) or use the Registered Retirement Savings Plan (RRSP) for retirement. We’ll be blunt for today’s post: while it can “depend” we believe the TFSA wins over the RRSP for a few key reasons that every adult Canadian should know about. Read on why…

Is now the time to change your investing plan?

time to change your investing plan

This has been a wild investing year to date, no doubt. But maybe this time it’s different? Your diamond hands holding some crypto assets might have turned to stone. Stocks are getting hammered, even some beloved dividend paying stocks are well down in price. Bonds offer no place to hide. Real estate is correcting too. Cash is getting eaten by inflation. Is now the time…

When Beat the TSX (BTSX) works and when it doesn’t!

when beat the tsx BTSX works

In previous posts on our site, we highlighted the investing concepts behind Beat the TSX (BTSX) to juice your retirement income. In today’s post, we’ll highlight the Beat the TSX (BTSX) strategy, when it works, when it doesn’t, and just as importantly chat with a passionate, early-retiree that not only follows this strategy but writes about it extensively as a subject matter expert! Let’s get…

Latest articles

$100 Amazon Gift Card Giveaway Draw!

*** This giveaway is now closed – Congratulations to Trisha! *** $100 Amazon Gift Card Giveaway Draw! Thanks for stopping by Cashflows & Portfolios, a new site dedicated to helping you become wealthier regardless of your stage of life. We (Mark and Joe) are personal finance bloggers that have been around the block (more than once!) with a combined experience of over 25 years in…

The Power of WHY

One of the biggest financial issues we see and hear about today is called ‘Lifestyle Creep’.  Simply put, that’s allowing our expenses to creep higher and faster than our income will allow. It’s a consequence of moving towards or staying in a negative cash flow situation. Yet spending money is not a bad thing – in fact on this site – we encourage it!  You’ll…

The Four Keys to Investing Success

four keys to investing success

Like we mentioned in an earlier post, a big part of good financial management starts with cash flow management.  Once you get those basics down, you can evolve from there. From saving to investing but also to other elements of financial planning. You can venture into tax planning, insurance management, estate planning and more. We’ll touch on some of those elements later but for the…

Cash FLOW is King

You may think or have heard the mantra “cash is king” but I have news for you. Cash flow is king.  For a business to succeed, understanding your cash flow is essential. The same premise applies to your household finances.  Simply put, cash flow is the movement (i.e., flow) of money into and out of your possession. Positive cash flow is very desirable. It means…