加拿大如何自製$18,000被動收入並合法節稅30-45%How to Create $18,000 Passive Income in Canada and Save 30-45% Tax Legally

 

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真實個案：退休理財與「自製長糧」的智慧

加拿大如何自製$18,000被動收入並合法節稅30-45%

前幾天我偶然看到一個影片，標題是：

「真實個案: 如何自製$18,000被動收入 合法節省高達30-45%稅! 加拿大退休生活理財秘技」，
來自 Novella Wealth 的 我想退休 系列。

這影片立刻吸引了我，因為它正好觸動了我最近常想的一個問題：退休後，不只是「錢夠不夠」，而是如何把存下來的錢變成穩定可靠的收入。更讓我驚訝的是，只要運用正確的稅務策略，竟然能合法省下 30-45% 的稅！這就好像幫自己每年加了一份「隱形加薪」。

💡 我的一些心得與感受：

1. 被動收入 = 安心感
   股息、債息、甚至租金等穩定的被動收入，就像一個安全墊。知道每個月都有現金流入，面對市場波動就不會那麼緊張。這就像自己打造了一份「私人退休金」。

2. 稅收其實很關鍵
   我第一次了解 RRSP 提款時，才嚇一跳：原來稅可以吃掉那麼大一塊！這個影片提醒我，只要善用帳戶結構和提款順序，就能合法省下大筆稅金，等於幫自己多留錢。

3. 越早規劃，越能主導
   很多人覺得退休是65歲才要考慮的事，其實越早懂得 RRSP、TFSA 和非註冊帳戶的差別，就能越早設計出「成長＋現金流」兼顧的方案。

4. 真實案例最有說服力
   光聽理財道理有時很抽象，但看一個真實故事，就會覺得更貼近自己。影片裡的個案就讓我感受到：退休收入不是遙不可及，而是可以一步一步實現的。

📌 我的總結：
這部影片真的值得一看。它提醒我們：退休不只是「錢要存夠」，而是要「怎麼聰明地用錢」。創造穩定收入、合法節稅，才能讓退休生活更從容自在，真正達到財務自由。

#加拿大退休 #被動收入 #節稅 #理財秘技 #退休生活 #現金流 #財務自由

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Real Case: Retirement Planning and the Art of “Creating Your Own Pension”

The other day, I stumbled upon a video titled:
“Real Case: How to Create $18,000 Passive Income and Save 30-45% Tax Legally! Canadian Retirement Planning Secrets”,
produced by Novella Wealth in their I Want to Retire series.

It immediately caught my attention because it touched on something I’ve been thinking about myself: once we retire, it’s not just about how much we’ve saved, but how we turn our savings into steady, reliable income. And here’s the surprising part — with the right tax strategies, you can actually save up to 30-45% in taxes. That’s like giving yourself a hidden raise every year!

💡 My reflections after watching it:

1. Passive income = peace of mind
   Dividends, bond interest, or rental income act like a cushion. Knowing that money comes in every month makes market ups and downs less stressful. It feels like building your own “personal pension.”

2. Taxes can be sneaky — but manageable
   When I first looked into RRSP withdrawals, I was shocked at how much tax could eat into it. The video reminded me that with smart planning — like structuring accounts and sequencing withdrawals — you can legally save a huge chunk of tax.

3. The earlier you plan, the better
   Retirement planning shouldn’t wait until age 65. The earlier you understand RRSP, TFSA, and non-registered accounts, the more control you’ll have over both growth and cash flow.

4. Real cases speak louder than theory
   Financial tips can feel abstract, but seeing an actual case makes it real and practical. Retirement income is not a dream — it can be built step by step.

📌 In summary:
This video is worth watching, especially if you are preparing for retirement or already retired. It’s not just about saving enough — it’s about creating steady income, minimizing taxes, and stretching your money further. That’s the true path to financial freedom.

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Hashtags / 標籤：
#RetirementPlanning #PassiveIncome #TaxSaving #WealthManagement #NovellaWealth #RetirementLife #CashFlow #FinancialFreedom

Special Thanks

真實個案: 如何自製$18000被動收入 合法節省高達30-45%稅! 加拿大退休生活理財秘技 終極慳稅投資收入｜自製長糧每月入息滾動 打造退休金月月領「退休俸產生器」｜Novella我想退休EP10

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