{"id":32492,"date":"2024-09-26T18:00:40","date_gmt":"2024-09-26T18:00:40","guid":{"rendered":""},"modified":"2025-05-27T15:24:48","modified_gmt":"2025-05-27T15:24:48","slug":"nouveau-diplome-mais-endette-et-maintenant","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/etudes-et-carriere\/trouver-un-emploi\/nouveau-diplome-mais-endette-et-maintenant\/","title":{"rendered":"Nouveau dipl\u00f4m\u00e9, mais endett\u00e9. Et maintenant ?"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/entrepreneur\/\">\n\t\t\t\t\t\t\t<span>Entrepreneur<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Nouveau dipl\u00f4m\u00e9, mais endett\u00e9. Et maintenant ?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Terry Warne<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_2475380851_studentdebt.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Casquettes de graduation dans le ciel\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_2475380851_studentdebt.jpg 7482w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_2475380851_studentdebt.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_2475380851_studentdebt.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_2475380851_studentdebt.jpg?resize=1024,768 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_2475380851_studentdebt.jpg?resize=1536,1152 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_2475380851_studentdebt.jpg?resize=2048,1536 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Nouveau dipl\u00f4m\u00e9, mais endett\u00e9. Et maintenant ? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/etudes-et-carriere\/trouver-un-emploi\/nouveau-diplome-mais-endette-et-maintenant\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/etudes-et-carriere\/trouver-un-emploi\/nouveau-diplome-mais-endette-et-maintenant\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 26 septembre 2024 \u2022 4 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\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  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tlpl\">TLPL<\/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>Plus t\u00f4t vous rembourserez vos dettes \u00e9tudiantes, plus t\u00f4t vous pourrez commencer \u00e0 \u00e9pargner pour vivre les exp\u00e9riences importantes de la vie.<\/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>D\u00e9terminez le montant de vos dettes et \u00e9tablissez un plan et un budget pour les rembourser.<\/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>Si vous vous sentez d\u00e9pass\u00e9 par le remboursement de vos dettes, sachez que vous pouvez utiliser des services comme la consultation sur le cr\u00e9dit pour vous aider \u00e0 g\u00e9rer la situation.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>F\u00e9licitations&nbsp;! Vous avez travaill\u00e9 dur, vous avez pass\u00e9 des nuits blanches et vous avez vraiment tout donn\u00e9. Mais maintenant que vous \u00eates dipl\u00f4m\u00e9, vous \u00eates \u00e9galement endett\u00e9.<\/p>\n\n\n\n<p>Vous n\u2019\u00eates pas seul. Selon <a href=\"https:\/\/www150.statcan.gc.ca\/t1\/tbl1\/fr\/tv.action?pid=3710003601&amp;request_locale=fr\" target=\"_blank\" data-dig-id=\"LP-32492-d124437e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Statistique Canada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Statistique Canada<\/a>, pr\u00e8s de la moiti\u00e9 des \u00e9tudiants sont endett\u00e9s au moment d\u2019obtenir leur dipl\u00f4me, et <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/pub\/75-006-x\/2020001\/article\/00005-fra.htm\" target=\"_blank\" data-dig-id=\"LP-32492-83388373\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"64\u00a0% ont encore des dettes\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">64\u00a0% ont encore des dettes<\/a> trois ans plus tard.<\/p>\n\n\n\n<p>Ne vous laissez pas d\u00e9courager, il existe de nombreuses fa\u00e7ons de rembourser vos dettes et de remettre de l\u2019ordre dans vos finances. Voici quelques conseils et outils utiles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-par-ou-commencer\">Par o\u00f9 commencer&nbsp;?<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>D\u00e9terminez le montant r\u00e9el de vos dettes&nbsp;: <\/strong>Avez-vous un pr\u00eat du gouvernement&nbsp;? Une marge de cr\u00e9dit pour \u00e9tudiant&nbsp;? Des soldes de carte de cr\u00e9dit&nbsp;? Devez-vous de l\u2019argent \u00e0 votre famille&nbsp;?<\/p>\n<\/li>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Faites une liste de toutes vos dettes et de leurs int\u00e9r\u00eats\u00a0:<\/strong> Remboursez d\u2019abord les pr\u00eats dont les taux d\u2019int\u00e9r\u00eat sont les plus \u00e9lev\u00e9s. Vous pouvez utiliser une <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/calculatrices-de-pret.html\" data-dig-id=\"LP-32492-1c1fc70e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"calculatrice de pr\u00eat\" class=\"rbc-link-format\">calculatrice de pr\u00eat<\/a> pour simuler diff\u00e9rents sc\u00e9narios de remboursement.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>N\u2019oubliez pas qu\u2019en avril\u00a02023, (ce lien m\u00e8ne \u00e0 un site web dont le contenu est en anglais seulement) <a href=\"https:\/\/www.cbc.ca\/news\/politics\/fall-economic-statement-2022-1.6639440\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-32492-f9554418\" data-dig-label=\"le gouvernement canadien a \u00e9limin\u00e9 les frais d\u2019int\u00e9r\u00eats sur les pr\u00eats d\u2019\u00e9tudes canadiens\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">le gouvernement canadien a \u00e9limin\u00e9 les frais d\u2019int\u00e9r\u00eats sur les pr\u00eats d\u2019\u00e9tudes canadiens<\/a> et sur les pr\u00eats canadiens aux apprentis. Les dipl\u00f4m\u00e9s \u00e9conomisent ainsi en moyenne 520\u00a0$ par ann\u00e9e.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Faites un budget\u00a0: <\/strong>Une <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/cash-flow-calculator.html\" data-dig-id=\"LP-32492-8d5a0786\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"calculatrice du flux mensuel de tr\u00e9sorerie\" class=\"rbc-link-format\">calculatrice du flux mensuel de tr\u00e9sorerie<\/a> peut vous aider \u00e0 vous faire une id\u00e9e plus claire de vos d\u00e9penses et \u00e0 calculer le montant que vous pouvez consacrer au remboursement de vos dettes chaque mois.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quelles-sont-les-differentes-manieres-de-rembourser-des-dettes-etudiantes\">Quelles sont les diff\u00e9rentes mani\u00e8res de rembourser des dettes \u00e9tudiantes&nbsp;?<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Commencez d\u00e8s maintenant&nbsp;:<\/strong> Qu\u2019il s\u2019agisse d\u2019un pr\u00eat du gouvernement ou d\u2019une marge de cr\u00e9dit pour \u00e9tudiant, vous n\u2019\u00eates pas tenu d\u2019effectuer des versements sur capital pendant vos \u00e9tudes. Mais cela ne veut pas dire que vous ne pouvez pas commencer \u00e0 le faire \u00e0 n\u2019importe quel moment. En commen\u00e7ant \u00e0 rembourser votre pr\u00eat le plus t\u00f4t possible, vous contribuerez grandement \u00e0 r\u00e9duire votre endettement total.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Ne vous contentez pas de rembourser le minimum&nbsp;:<\/strong> Si vous le pouvez, essayez de rembourser plus que le minimum tous les mois, surtout quand il s\u2019agit de pr\u00eats dont les taux d\u2019int\u00e9r\u00eat sont \u00e9lev\u00e9s.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Quand vous commencerez \u00e0 recevoir un ch\u00e8que de paie, vous pourrez automatiquement transf\u00e9rer de l\u2019argent pour rembourser vos dettes. M\u00eame si le montant est petit, c\u2019est une excellente mani\u00e8re de commencer.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Trouvez des fa\u00e7ons d\u2019\u00e9conomiser&nbsp;:<\/strong> Vivre avec un colocataire, voire avec vos parents, est un bon moyen d\u2019\u00e9conomiser. M\u00eame si ce n\u2019est que pendant un an ou deux, vous pourrez consacrer l\u2019argent facilement \u00e9conomis\u00e9 au remboursement de vos dettes.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Penchez-vous sur les d\u00e9ductions d\u2019imp\u00f4t\u00a0:<\/strong> Il existe <a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/segments\/etudiants\/deductions-credits-courants-etudiants.html\" target=\"_blank\" data-dig-id=\"LP-32492-277f02a2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"des d\u00e9ductions d\u2019imp\u00f4t pour les \u00e9tudiants\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">des d\u00e9ductions d\u2019imp\u00f4t pour les \u00e9tudiants<\/a>. Parmi les d\u00e9ductions et cr\u00e9dits courants, on retrouve les int\u00e9r\u00eats pay\u00e9s sur les pr\u00eats \u00e9tudiants, les frais de scolarit\u00e9 et les montants pour manuels.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Pour obtenir de plus amples renseignements, vous pouvez aussi parler \u00e0 un <a href=\"https:\/\/www.rbcfinancialplanning.com\/fr\/index.html\" data-dig-id=\"LP-32492-a5e2ca98\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"conseiller financier RBC\" class=\"rbc-link-format\">conseiller financier RBC<\/a> qui vous pr\u00e9sentera les options qui s\u2019offrent \u00e0 vous.<\/p>\n\n\n\n<p>Oui, le remboursement de vos dettes \u00e9tudiantes peut vous sembler tr\u00e8s difficile, voire impossible, mais avec de la planification et de la d\u00e9termination, vous pouvez y arriver&nbsp;!<\/p>\n\n\n\n<h6 class=\"wp-block-heading\" id=\"h-ressources\">Ressources&nbsp;:<\/h6>\n\n\n\n<p>(ce lien m\u00e8ne \u00e0 un site web dont le contenu est en anglais seulement) <\/p>\n\n\n\n<p><a href=\"https:\/\/www.moneysense.ca\/columns\/making-it\/how-to-pay-off-your-student-loans-faster\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-32492-866c7f96\" data-dig-label=\"Struggling with student debt? Here\u2019s how to pay off student loans faster\u00a0\u2013 MoneySense\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"> Struggling with student debt? Here\u2019s how to pay off student loans faster\u00a0\u2013 MoneySense<\/a><\/p>\n\n\n\n<p>(ce lien m\u00e8ne \u00e0 un site web dont le contenu est en anglais seulement) <\/p>\n\n\n\n<p><a href=\"https:\/\/www.thestar.com\/business\/personal-finance\/how-to-lower-your-student-debt-and-cut-through-misconceptions-around-it\/article_05c6eafe-7633-5a01-adee-f1df56718af6.html?gad_source=1&amp;gclid=Cj0KCQjw2ou2BhCCARIsANAwM2H8zUMuGVNjdcA6RHDhnSk-FQ7icUBY_hUb6gtDiBhq-dLCbsrTUnMaAtfVEALw_wcB&amp;gclsrc=aw.ds\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-32492-ccaec9fd\" data-dig-label=\"How to lower your student debt \u2014 and cut through misconceptions around it\u00a0\u2013 thestar.com\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">How to lower your student debt \u2014 and cut through misconceptions around it\u00a0\u2013 thestar.com<\/a> <\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Nouveau dipl\u00f4m\u00e9, mais endett\u00e9. Et maintenant ? &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/etudes-et-carriere\/trouver-un-emploi\/nouveau-diplome-mais-endette-et-maintenant\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/etudes-et-carriere\/trouver-un-emploi\/nouveau-diplome-mais-endette-et-maintenant\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-33646830-9909-4359-ae0e-33e0895395a0\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/entrepreneur\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Entrepreneur<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"410\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/shutterstock_2496035303_employeebenefits.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" 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