Good morning. In personal finance, the biggest gains and the biggest losses often come down to the same thing: whether you were paying attention at the right moment. Today's issue is about exactly that.
On The Money Today:
When a market crash could actually make you richer
What would you do with $24.7 million you forgot you had?
The fastest-growing scam — up 517% — targets your most automatic online habit
Let's get into it.
Robert Kiyosaki is calling 2026 the start of the greatest depression in world history — and says millions of boomers are already at risk. But he also says this moment could make you rich. Here's what his gold, Bitcoin and real estate playbook looks like inside a TFSA and RRSP.
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Sarah, a 50-year-old mom who left the workforce to raise her kids, nearly forgot about an old employee stock account. When she finally checked it, it had grown to roughly $24.7 million. What Ramsey told her about taxes, diversification and timing applies to any Canadian sitting on a windfall — big or small.
You've ticked that CAPTCHA box hundreds of times without thinking twice — and that's exactly what criminals are counting on. These attacks surged 517% last year, making it one of the fastest-growing forms of cybercrime in the world. They work by tricking you into installing malware yourself. Here's what to never do if a verification screen asks you to follow extra steps.
ALSO MAKING THE ROUNDS TODAY
DEBT: His marriage collapsed and his debt hit $169K. The Ramsey Show's recovery plan fits Canadians facing the same spiral
NEWS: 20 incidents, 4 suspects, $4.5M stolen: Inside the real estate fraud targeting vulnerable homeowners
RETIREMENT: 88% of Canadians still trust human advisors over AI. Find out what the latest Fidelity retirement survey reveals
CREDIT CARDS: Tim Hortons is cancelling its credit card on October 1. What cardholders need to do before their rewards points disappear
BANKING: Your bank can cut ties with you without warning. How to protect yourself from being debanked
HAVE YOUR SAY
Sarah found $24.7M sitting in a forgotten account. What would you do first?
That's a wrap for today! Before you go, we'd love to know what you thought of today's newsletter. Hit REPLY if you have more to share — we read every reply.
