05/10/2026
👾 Finance Beginner Village Level 3 is here. And this one is the most dangerous level of all.
🎥 Premiere May 10th (Sun) 3PM PDT: https://youtu.be/z7ilmnrSCaE (link in bio)
You probably think a TFSA is “safe” because it’s tax-free. But the CRA reassessed someone for $617,000 in their TFSA, and another for $640,000 over-contribution that cost $6,400/month in penalties.
In this episode, Gordon and Samantha break down:
→ The day-trading court case where $15K grew to $617K — and why CRA taxed all of it
→ How a 1% monthly penalty became $6,400/month for one investor
→ Why your TFSA charges 15% withholding tax on US dividends (but RRSP doesn’t)
→ The Successor Holder vs Beneficiary mistake that costs spouses entire TFSA rooms
If you’ve ever day-traded, bought US stocks, held penny stocks, or designated a spouse on your TFSA — this episode is essential.
Finance Beginner Village Level 3 drops May 10th 3PM PDT on Novella YouTube channel.
Subscribe & turn on notification: https://youtu.be/z7ilmnrSCaE (link in bio)
你以為 TFSA 免稅
就乜都唔使驚？😬
有人賺 $617,000
最後反被 CRA 全額追稅
有人放 $640,000 入去
每個月被罰 $6,400
唔係嚇你
全部都係加拿大真實判例
《理財新手村》Level 3
今次 Gordon 同 Samantha 會拆解：
→ Day trading 喺 TFSA 點解會被當「做生意」
→ 過量供款 1% 每月罰款點計
→ TFSA 買美股 vs RRSP 買美股嘅稅務分別
→ 另一半填 Beneficiary 同 Successor Holder 點解差咁遠
呢集係為所有
「以為 TFSA 免稅就咩都得」嘅人而拍
5 月 10 日 (星期日) 溫哥華時間 3PM 出片
Subscribe 同 like 支持一下 👍🏻
https://youtu.be/z7ilmnrSCaE (link in bio)
