MMM-The laziest retirement plan you’ve never tried

I came across one of the simplest retirement concepts I’ve ever seen - and what caught my

attention wasn’t the strategy, but how small the contribution actually needed to be. 

We usually think of the TFSA as a “$7000/year problem” but when you break it down weekly, the

number feels surprisingly manageable. 

The part that hit me: my car payment is higher than this - honestly, my gas bill for my car is likely even higher.

And as always, if something sticks with me around real estate, personal finance or mortgages … I will share it with you.

1. Invest

$130 weekly ($540/month) 

Inside your TFSA

30 years 

8% annual return 

= ~ $963,000 tax free portfolio 

2. Withdraw

At retirement, use a 4% safe withdrawal rate:

That's ~ $3,200/month tax free …equivalent to earning $53,000/year. 

Is this going to set you up for retirement? Probably not. 

But if you are not maximizing your TFSA or not investing consistently, this is an easy, realistic

move that could change your entire financial trajectory.  

Most of us spend $130 per week without thinking about it. This just redirects it to your future. 

Automate it once, and let time do the heavy lifting. 

And yes - $50k in 30 years won’t feel like $50k today (think ~$20K in today’s dollars). That's why

you pair this with RRSPs, pensions, real estate, business assets etc. 

Build intentionally. Small moves, big outcomes.