Financebtswithsahil

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Financebtswithsahil Helping Canadian families understand their money before they sign anything ⚡️🇨🇦
Cutting products you don’t need.
📍Toronto, ON

Couple’s in 🍁, quick question: **who’s listed on your TFSA?**Most people open a TFSA, contribute regularly, and assume t...
10/13/2026

Couple’s in 🍁, quick question: **who’s listed on your TFSA?**

Most people open a TFSA, contribute regularly, and assume their family will automatically be taken care of.

But there’s one important detail many people overlook: **the difference between a successor holder and a beneficiary.**

A **successor holder** allows your spouse or common-law partner to take over the TFSA itself. The account continues under their name, and it can remain tax-free.

A **beneficiary** receives the value of the TFSA after your passing. The account itself does not continue, and there may be additional steps involved depending on the situation.

Neither option is “wrong”, it depends on who you’re leaving your TFSA to and what you want to happen.

Swipe through this example to understand the difference and make sure your accounts match your family’s needs.

✅ TFSA only
✅ Rules vary by province
✅ General education, not personal financial advice

𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿: The information provided is for general educational purposes only and does not constitute financial, investment, tax, or insurance advice. Products and strategies may not be suitable for everyone.

What dreams are my followers putting into action this year?
10/05/2026

What dreams are my followers putting into action this year?

10/02/2026

I wish someone explained BTID to me when I first arrived in Canada in 2017.

I didn’t even know that a funeral in Canada could cost around $30,000. I started thinking, if something happened to me, I didn’t want my family to struggle financially.

When I learned about life insurance, I was sold Permanent Life Insurance policy and was paying $200/month.

Fortunately, in 2022, I got educated about BTID: Buy Term and Invest the Difference I learned how to get the protection my family needs, while investing the difference for my future.

If something happens to me, my family has protection. If it doesn’t, I’m building significant investments for my future. I made the mistake of not knowing my options. That’s why I make these videos.

I want more Canadians to understand BTID before making a financial decision.

Comment “BTID” and I’ll explain it.
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𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿: The information provided is for general educational purposes only and does not constitute financial, investment, tax, or insurance advice. Products and strategies may not be suitable for everyone.

10/01/2026

This is what happened with a gentleman I recently spoke with.

He was putting $500 a month into a Universal Life insurance policy because he was told it could help fund his retirement, give him access to cash value, allow him to “be his own bank” and he just need to pay for 20 years only!

But when we actually went through his policy, some of the details were very different from the way the strategy was presented.

This happened to me too.

Years ago, I made the same mistake. I bought a financial product without fully understanding how it actually worked.

I was fortunate to get educated and understand what I had. That’s exactly why I make these videos.

What you see on social media may not work the way it’s presented. And many people buy a policy and never actually read it.

I don’t want you to make the same mistake that I made.

If you have a Universal Life insurance policy and want me to review it with you, comment “REVIEW” below 👇

𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿: The information provided is for general educational purposes only and does not constitute financial, investment, tax, or insurance advice. Products and strategies may not be suitable for everyone.


We’ve all done it, apologizing unnecessarily in the workplace. While being polite is great, over apologizing can make us...
09/30/2026

We’ve all done it, apologizing unnecessarily in the workplace. While being polite is great, over apologizing can make us sound unsure or hesitant. Here are some swaps to help you replace unnecessary apologies with confidence.

Here’s some Monday motivation for you!
09/28/2026

Here’s some Monday motivation for you!

09/28/2026

Quick one before December 31 🇨🇦

If you've got an FHSA (or you're planning to open one for a first home), contributions made by December 31 can be claimed as a tax deduction for this year.

One thing that trips people up: unlike an RRSP, there's no extra 60 days into the new year for this one. once December 31 passes, that window's closed for this tax year.

More in my bio if you want to talk it through 👇
linktr.ee/mesahilarora (link in bio!)

𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿: The information provided is for general educational purposes only and does not constitute financial, investment, tax, or insurance advice. Products and strategies may not be suitable for everyone.

09/24/2026

“I wish more people did this math before saying, ‘I’ll start later.’”

$500/month invested for 20 years at 10% annual return, that could grow to approximately $380,000. Great news is you only contributed $120,000. The rest comes from the potential growth of your investments over time.

That’s the power of compound growth.

You don’t necessarily need to start with a huge amount.

You need to start, stay consistent, and give your money time to potentially grow.

Now the real question is:

“Want to understand what it would take to potentially grow your money at 10% annually?”

Comment “HOW” and I’ll personally walk you through it.

𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿: The information provided is for general educational purposes only and does not constitute financial, investment, tax, or insurance advice. Products and strategies may not be suitable for everyone.

09/22/2026

Does finance ever feel overwhelming? I used to put it on the back-burner too, "I’ll figure it out properly one day," but for now, other priorities.

After working with enough clients, I realized the overwhelm was never really about the money. It's people thinking they need to understand everything before they're allowed to start, turns out you don't. Pick one thing, do that, learn the rest as you go.

I'm Sahil, a financial professional helping canadian families figure out their money.

𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿: The information provided is for general educational purposes only and does not constitute financial, investment, tax, or insurance advice. Products and strategies may not be suitable for everyone.

More in my bio if you want to actually talk it through!
linktr.ee/mesahilarora (link in bio!)

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