10 Unsexy Habits That Save You Serious Money in Retirement (like, a lot)

After 13 years of helping Canadians retire, I can tell you something that might take the excitement out of your day. The retirees who do the best financially, the ones who sleep well at night and never worry about running out of money, are not doing anything particularly exciting in their finances. They're not finding clever investments.

They're not timing the markets. They're doing a handful of really boring things over and over, year after year. And those boring things are saving them tens of thousands and in some cases hundreds of thousands of dollars over the course of their retirement. So today I am going to walk you through 10 unsexy habits

that I see the most successful retirees do on a regular basis. Some of these might surprise you because most do not talk about them. And the best part is that none of these are complicated. Any of them can be done in a single afternoon. They just need to be done consistently. I'm Chad. I'm a certified

financial planner here in Canada and I have spent the last 13 years watching these habits separate the retirees who thrive from the ones that struggle. Let's get into them. And real quick, if you want us to look at your specific situation and figure out which of these habits would make the biggest difference in your plan,

there'll be a link in the description to book a call with my team. Now, let's start with the habit that I think saves more money than any other on this list. Habit number one, fill your tax bracket every single year. Habit number one is something that I do with my clients towards the end of each year. And it's

probably the least exciting thing you can possibly imagine doing with your money, but it's also the habit that over the course of a full retirement saves the most. Every year, I want you to look at your total taxable income. That's CPP, OAS, any pension that you might have, interest income, investment income, and whatever you've already