{"id":97040,"date":"2026-03-06T15:51:35","date_gmt":"2026-03-06T20:51:35","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=97040"},"modified":"2026-03-09T07:54:44","modified_gmt":"2026-03-09T11:54:44","slug":"how-to-budget-after-job-loss","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/loss-of-income\/how-to-budget-after-job-loss\/","title":{"rendered":"How to Budget After Job Loss"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your emergency fund should give you 3 to 9 months of breathing room before worrying about earning money<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Apply for EI immediately after a job loss<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You can work part-time while receiving EI benefits<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Some creditors will allow you to pause or delay payments until you\u2019re working again<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>If you\u2019re like most people in the work<s><del> <\/del><\/s>force, chances are you\u2019ve wondered what to do if you lose your job. In fact, job loss is one of the most searched financial emergencies in Canada and many people worry about their ability to pay rent, mortgages and buy groceries within weeks of losing their job. You might already have an emergency fund for job loss and some idea of the unnecessary expenses that you\u2019d cut or put on hold if you had to. But besides knowing what to do immediately after losing your job \u2014 like updating your CV and collecting final pay and benefits \u2014 have you thought about how to budget and manage money after job loss?<\/p>\n\n\n\n<p>You needn\u2019t have the perfect budget. After all, losing a job is never ideal and comes with a slew of emotional ups and downs. An emergency budget is only temporary and is meant to help you manage your expenses until you start earning money again. This step-by-step plan can guide you on how to move forward successfully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-here-s-what-to-do-if-you-lose-your-job\">Here&#8217;s what to do if you lose your job<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Collect your final pay and severance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Apply for <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei\/ei-regular-benefit.html\" data-dig-id=\"LP-97040-158efa06\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Employment Insurance (EI)\" class=\"rbc-link-format\">Employment Insurance (EI)<\/a> immediately<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Assess your financial situation<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Prioritize expenses<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Stretch your emergency fund<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Increase short-term income while job searching<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-collect-your-final-pay-and-severance\">Collect your final pay and severance<\/h3>\n\n\n\n<p>Once your job loss shock wears off and you\u2019ve collected your personal effects<ins>,<\/ins> it\u2019s time to make sure you got everything you\u2019re owed. Don\u2019t take your former employer\u2019s word at face value and confirm any final payments that they owe you. This includes your last paycheques, unused sick days or vacation time, bonuses and\/or commissions \u2014 and severance pay.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-apply-for-ei-immediately\">Apply for EI immediately<\/h3>\n\n\n\n<p>The second thing to do after you\u2019ve lost your job is to apply for EI benefits. If you know or think you might qualify, apply for benefits immediately. Delaying could cause you to lose benefits or, at the very least, receive payments long after you need them.<\/p>\n\n\n\n<p>You need to qualify for EI to receive it, so make sure that you obtain all necessary forms from your former employer. This could include your records of employment (ROE) and T4 slip, which reflect the amount of money you were paid for the last calendar year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-assess-your-financial-situation-and-create-a-budget\">Assess your financial situation and create a budget<\/h3>\n\n\n\n<p>Next, it\u2019s time to adjust your budget to align with your new economic reality. Temporary as it might be, unemployment makes it hard to take spending for granted or to spend what you don\u2019t have.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-prioritize-expenses\">Prioritize expenses<\/h3>\n\n\n\n<p>It can be hard to manage your finances following a job loss \u2014 leaving you to wonder how to cover your existing costs with less. Start by grouping your expenses into essentials and non-essentials, prioritizing basic standard of living essentials like housing, groceries, utilities and transportation. Try to postpone or eliminate spending on anything you don\u2019t need and when it comes to paying back debt, stick to making minimum payments until you find a new job.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-support-options\">Financial support options<\/h3>\n\n\n\n<p>Meeting financial obligations without a steady income can be a tricky balancing act. What if you start missing payment dates and incurring late fees and penalties? What if you just no longer have enough money to cover your debts?<\/p>\n\n\n\n<p>Lenders and creditors might be more understanding than you think, especially if you contact them early and have a good record of repayment. Financial institutions like RBC offer hardship programs such as payment deferrals or budgeting support to help clients dealing with financial difficulties. This includes payment deferrals, financial planning support and personalized help. You might be able to temporarily postpone mortgage and student loan payments \u2014 and possibly refinance your loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-stretch-your-emergency-fund\">Stretch your emergency fund<\/h3>\n\n\n\n<p>It\u2019s never easy creating an <a href=\"https:\/\/www.rbcinvestease.com\/topics-trends\/how-to-build-an-emergency-fund-in-an-emergency.html?_gl=1*1owcoyk*_gcl_au*ODgzOTUwNDU5LjE3NzI1NDUzMDk.*_ga*ODg0NTk1NzkyLjE3NTE5MTY4ODA.*_ga_89NPCTDXQR*czE3NzI3MTM4MTAkbzEzNCRnMSR0MTc3MjcxNDIwMSRqNDUkbDAkaDA.&amp;_ot=1772714212834-1%3A1%2C2%3A1%2C3%3A1%2C4%3A1\" data-dig-id=\"LP-97040-811def5a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"emergency fund\" class=\"rbc-link-format\">emergency fund<\/a> when you\u2019ve just lost your job but try to use your savings strategically and avoid incurring new expenses. Closely examine any remaining income coming your way, whether it\u2019s from pending salary payments, bonuses, insurance payments or EI. This will tell you how much money you have left to work with until you find gainful employment.<\/p>\n\n\n\n<p>Next, review your credit card statements and identify any regular and ongoing expenses that you can pause or eliminate. Consider making minimum balance payments and try to negotiate a better interest rate so that you have more purchasing leverage if you must borrow against your credit card.<br><br>Lastly, pause any contributions you might be making to your investment or retirement accounts and redistribute those funds towards your essential expenses. And don\u2019t despair \u2014 these moves are only temporary.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-increase-short-term-income-while-job-searching\">Increase short-term income while job searching<\/h3>\n\n\n\n<p>You might need to find part-time or temporary work while continuing to search for your next full-time, permanent role. Again, this is only temporary and meant to help you stabilize your cash flow. Short-term income can come from part-time, freelance and one-off work opportunities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-to-my-benefits-and-insurance-if-i-lose-my-job\">What happens to my benefits and insurance if I lose my job?<\/h2>\n\n\n\n<p>There\u2019s often a grace period following when you lose your job, enabling you to take advantage of a few remaining days or weeks of employee benefits and insurance. Find out immediately what those remaining benefits and insurance amounts are and use them before they expire. Next, consider getting private insurance coverage or joining your spouse\u2019s insurance and benefits plan. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-you-keep-saving-or-investing-after-losing-your-job\">Should you keep saving or investing after losing your job?<\/h2>\n\n\n\n<p>Keep focusing on your essentials. Any expenses that aren\u2019t absolute necessities should be cancelled or paused if possible, including investing. But make sure that you understand all the rules and regulations associated with your investments and avoid making knee-jerk reactions that could negatively impact your growth potential or subject you to higher taxes or fees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-will-job-loss-affect-taxes\">Will job loss affect taxes?<\/h2>\n\n\n\n<p>Now that you\u2019re temporarily unemployed, it\u2019s important to know that severance and EI benefits are taxable. And while your employer likely withheld taxes from your paycheques with which to cover your taxes, you may now need to start calculating tax payments on your severance and EI benefits.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-prepare-financially-if-you-think-a-layoff-is-coming\">How to prepare financially if you think a layoff is coming<\/h2>\n\n\n\n<p>Recovering from a layoff can be difficult \u2014 especially when it catches you completely off guard. So, one of the best ways that you can deal with an upcoming job loss is to prepare for it. Build a short-term cash buffer and keep a close eye on expenses like subscriptions and memberships. Choose preparation over panic and avoid taking on new debt until you\u2019re back to earning a steady income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-financial-mistakes-to-avoid-after-job-loss\">Common financial mistakes to avoid after job loss<\/h2>\n\n\n\n<p>It&#8217;s easy to make financial mistakes after losing your job, especially if you\u2019re feeling pressured to come up with missing funds to cover all the expenses you had pre job loss. But be careful and pay attention to both your expenses and your current investments. For instance, cashing out RRSPs too quickly could lead you to miss out on its greater tax advantages and incentives. Missing or ignoring monthly bills and avoiding creditors could land you in a negative borrowing spiral, forcing you to take on high-interest debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-job-loss-checklist-what-to-do-in-the-first-week\">Job Loss Checklist: What to do in the first week<\/h2>\n\n\n\n<p><strong>This job loss checklist will help you take the right steps quickly:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Day 1: Process the news and breathe<\/strong><br>Losing your job can be difficult and it\u2019s perfectly normal to feel shocked, confused and disheartened. Take time to adjust and reflect on your new situation. Sleep in, eat well and try to exercise when you\u2019re up for it. Consider telling your loved ones and a few close friends \u2014 so they know to check in.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Day 2: Apply for EI and review severance<\/strong><br>Now that you\u2019ve had a day to process the news, ensure that you have some financial help on the way. Apply for EI and review your severance package. Registering can take some time, so get to it immediately to ensure that your claims are processed on time and that you\u2019re not waiting too long for your first EI payment.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Day 3: Review bills and due dates<\/strong><br>Go through your monthly expenses and prioritize bills like rent, mortgage payments and utilities. Pause or cancel subscription payments and memberships. If possible, negotiate lower interest rates on any credit products or services you have and set up banking alerts if you have access to AI tools like <a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/index.html?msockid=3804955c3ef86ab53c5583ac3fb26b9c\" data-dig-id=\"LP-97040-23a5c5ae\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"NOMI\" class=\"rbc-link-format\">NOMI<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Day 4: Update your resume and LinkedIn profile<\/strong><br>Make sure your resume and LinkedIn profile are up to date and solicit former supervisors and colleagues for recommendations, introductions and LinkedIn endorsements. Consult LinkedIn and the <a href=\"https:\/\/www.jobbank.gc.ca\/findajob\/resources\/write-good-resume\" data-dig-id=\"LP-97040-878cb3d2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Government of Canada\u2019s resume builder\" class=\"rbc-link-format\">Government of Canada\u2019s resume builder<\/a> for practical tools and tips.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Day 5: Review your insurance and benefits<\/strong><br>Go over your insurance and benefits to know exactly what you\u2019re covered for and how long your insurance and benefits will last. In cases of layoffs, employers will often try to extend health benefits like vision and dental care to recently laid off employees.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-cool-white section-inner  has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0x\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-faq\">FAQ<\/h3>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion aligncenter accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleae3627a7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionae3627a7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97040-ae3627a7\" aria-controls=\"accordionae3627a7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What bills should I pay first after job loss?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What bills should I pay first after job loss?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionae3627a7\" role=\"region\" aria-labelledby=\"accordion-titleae3627a7\"><div class=\"collapse-inner\">\n<p>Following a job loss, prioritize paying your rent or mortgage, utilities and insurance \u2014 and making minimum debt payments. &nbsp;&nbsp;<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title953cff3b\" class=\"collapse-toggle collapsed\" data-target=\"#accordion953cff3b\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97040-953cff3b\" aria-controls=\"accordion953cff3b\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Should I use my emergency fund after a layoff?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Should I use my emergency fund after a layoff?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion953cff3b\" role=\"region\" aria-labelledby=\"accordion-title953cff3b\"><div class=\"collapse-inner\">\n<p>Yes, emergency funds are meant to provide you with anywhere from three to nine months of breathing room following a layoff or similar major life change.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title79bc6956\" class=\"collapse-toggle collapsed\" data-target=\"#accordion79bc6956\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97040-79bc6956\" aria-controls=\"accordion79bc6956\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long can I survive financially without a job?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long can I survive financially without a job?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion79bc6956\" role=\"region\" aria-labelledby=\"accordion-title79bc6956\"><div class=\"collapse-inner\">\n<p>How long you can you survive financially after losing your job depends on your lifestyle and saving and spending habits. But it\u2019s always good to plan for about 6 months of unemployment following a job loss and to reduce your spending to allow your savings to last as long as possible.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec8f9b023\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc8f9b023\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97040-c8f9b023\" aria-controls=\"accordionc8f9b023\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How soon after losing my job should I apply for EI?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How soon after losing my job should I apply for EI?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc8f9b023\" role=\"region\" aria-labelledby=\"accordion-titlec8f9b023\"><div class=\"collapse-inner\">\n<p>Apply for EI immediately after losing your job. EI can take some time to register for, even when you\u2019re doing everything correctly. Setting up EI as soon as you\u2019re let go from your job will ensure that the process is in motion so that you can divert your attention to looking for work.&nbsp;<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleb2e6be71\" class=\"collapse-toggle collapsed\" data-target=\"#accordionb2e6be71\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97040-b2e6be71\" aria-controls=\"accordionb2e6be71\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I work while receiving EI?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I work while receiving EI?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionb2e6be71\" role=\"region\" aria-labelledby=\"accordion-titleb2e6be71\"><div class=\"collapse-inner\">\n<p>Yes \u2014 you can earn part-time income while receiving EI, but your benefits may be reduced based on your earnings.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef3a6c824\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf3a6c824\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97040-f3a6c824\" aria-controls=\"accordionf3a6c824\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long does EI take to start?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long does EI take to start?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf3a6c824\" role=\"region\" aria-labelledby=\"accordion-titlef3a6c824\"><div class=\"collapse-inner\">\n<p>EI payments usually begin within 28 days of applying if you qualify and submit your Record of Employment on time.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to budget after a job loss, including how to apply for EI, prioritize bills, stretch savings \u2014 and manage money until you find your next job.<\/p>\n","protected":false},"author":319,"featured_media":97041,"parent":57277,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[517,520],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[506],"rbc_difficulty_level":[33],"rbc_mmm_category":[302,330,308],"class_list":["post-97040","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-budgeting","tag-managing-money","rbc_content_type-article","rbc_lob_group-ways-to-bank","rbc_difficulty_level-beginner","rbc_mmm_category-debt-stress-relief","rbc_mmm_category-loss-of-income","rbc_mmm_category-unexpected-events"],"acf":{"contently_publication_id":"","custom_author":"Royal Bank of Canada","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - 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