{"id":6754,"date":"2020-10-19T00:00:00","date_gmt":"2020-10-19T00:00:00","guid":{"rendered":""},"modified":"2024-02-27T15:25:06","modified_gmt":"2024-02-27T15:25:06","slug":"rembourser-ses-dettes-ou-epargner-quelle-devrait-etre-la-priorite-pour-un-resident","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/rembourser-ses-dettes-ou-epargner-quelle-devrait-etre-la-priorite-pour-un-resident\/","title":{"rendered":"Rembourser ses dettes ou \u00e9pargner : quelle devrait \u00eatre la priorit\u00e9 ?"},"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\/epargne\/\">\n\t\t\t\t\t\t\t<span>\u00c9pargne<\/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\">Rembourser ses dettes ou \u00e9pargner : quelle devrait \u00eatre la priorit\u00e9 ?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Paige Smith<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-61.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Image d&#039;une jeune m\u00e9decin regardant pensivement par la fen\u00eatre.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-61.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-61.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-61.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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=Rembourser ses dettes ou \u00e9pargner : quelle devrait \u00eatre la priorit\u00e9 ? &#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\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/rembourser-ses-dettes-ou-epargner-quelle-devrait-etre-la-priorite-pour-un-resident\/\">\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\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/rembourser-ses-dettes-ou-epargner-quelle-devrait-etre-la-priorite-pour-un-resident\/\">\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 19 octobre 2020 \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<p>La d\u00e9cision quant \u00e0 l&rsquo;approche qui vous convient d\u00e9pend de votre niveau d&rsquo;endettement, de vos objectifs personnels et de vos attitudes \u00e0 l&rsquo;\u00e9gard de l&rsquo;argent. Pour d\u00e9terminer quelle sera votre strat\u00e9gie, commencez par vous poser les quatre questions suivantes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Quelle est ma situation financi\u00e8re ?<\/h2>\n\n\n\n<p>En premier lieu, \u00e9valuez votre sant\u00e9 financi\u00e8re. Dressez un bilan faisant \u00e9tat de votre actif, de votre passif, de vos revenus et de vos d\u00e9penses.<\/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>L&rsquo;actif comprend tout ce que vous poss\u00e9dez : votre voiture et votre \u00e9pargne, par exemple.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Le passif s\u2019entend de l\u2019ensemble de vos&nbsp;<em>dettes<\/em>, comme un solde de carte de cr\u00e9dit ou des pr\u00eats d\u2019\u00e9tudes.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les revenus s\u2019entendent de votre revenu net.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les d\u00e9penses englobent toutes les sorties d\u2019argent, par exemple le loyer, les frais de services publics, l\u2019\u00e9picerie et l\u2019abonnement \u00e0 un centre de conditionnement physique.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Faites vos calculs afin de d\u00e9terminer quelle part de votre revenu mensuel vous devez allouer aux d\u00e9penses incontournables et aux versements minimaux sur dettes. Vous saurez ainsi combien il vous reste d&rsquo;argent \u00e0 allouer \u00e0 l&rsquo;\u00e9pargne ou \u00e0 des remboursements de dettes additionnels.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Quels sont mes objectifs personnels ?<\/h2>\n\n\n\n<p>Que souhaitez-vous r\u00e9aliser sur les plans personnel et financier au cours des cinq \u00e0 dix prochaines ann\u00e9es ? Vous voulez peut-\u00eatre fonder une famille, accro\u00eetre votre \u00e9pargne-retraite, ou voyager. Vos d\u00e9cisions financi\u00e8res d\u00e9pendront de vos objectifs et d\u00e9termineront la part allou\u00e9e au remboursement des dettes. Par exemple, si vous souhaitez acheter une maison dans un quartier o\u00f9 elles sont ch\u00e8res, vous pourriez devoir commencer plus t\u00f4t \u00e0 mettre de l&rsquo;argent de c\u00f4t\u00e9 pour une mise de fonds.<\/p>\n\n\n\n<p>D\u00e9finissez l&rsquo;ordre de priorit\u00e9 de vos objectifs et songez \u00e0 vous constituer un fonds d&rsquo;urgence en cas d&rsquo;impr\u00e9vus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Quels types de dettes ai-je ?<\/h2>\n\n\n\n<p><b><\/b>Selon leur type, vos dettes auront des r\u00e9percussions diff\u00e9rentes sur vos finances.<\/p>\n\n\n\n<p>Pour en prendre la mesure, envisagez ces cinq facteurs :<\/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>S&rsquo;agit-il de pr\u00eats d&rsquo;une institution financi\u00e8re ou du gouvernement ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Quel est le montant que vous devez ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Quel est le taux d&rsquo;int\u00e9r\u00eat assorti \u00e0 chaque dette ?&lt;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Quelles sont les modalit\u00e9s de remboursement ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>\u00c0 combien s&rsquo;\u00e9l\u00e8vent vos versements mensuels minimaux ?<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Gardez \u00e0 l&rsquo;esprit que votre attitude \u00e0 l&rsquo;\u00e9gard des dettes influera \u00e9galement sur votre strat\u00e9gie. Si vous croyez \u00eatre en mesure de rembourser vos dettes dans les d\u00e9lais pr\u00e9vus, vous pouvez vous contenter d&rsquo;effectuer les versements minimaux. Si vous vous sentez submerg\u00e9 par vos dettes, vous pourriez r\u00e9duire votre stress en les remboursant plus rapidement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Quels sont les avantages et les inconv\u00e9nients de chaque approche ?<\/h2>\n\n\n\n<p>Maintenant que vous avez fait le point sur votre situation financi\u00e8re, soupesez les avantages et les inconv\u00e9nients de l&rsquo;\u00e9pargne et du remboursement des dettes.<\/p>\n\n\n\n<p><b>Accent sur le remboursement des dettes :<\/b><\/p>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\"><b>Avantages<\/b><\/th><th scope=\"col\"><b>Inconv\u00e9nients<\/b><\/th><\/tr><\/thead><tbody><tr><td>\u00c9conomiser sur les frais d&rsquo;int\u00e9r\u00eat.<\/td><td><\/td><\/tr><tr><td>D\u00e9gager des fonds une fois les dettes rembours\u00e9es.<\/td><td>Vous devrez faire des sacrifices sur le plan financier.<\/td><\/tr><tr><td>Possibilit\u00e9 de r\u00e9duire le stress.<\/td><td>Il pourra vous prendre plus de temps que pr\u00e9vu pour accro\u00eetre votre \u00e9pargne.<\/td><\/tr><\/tbody><\/table>\n\n\n\n<p class=\"mar-t-dbl\"><b>Accent sur l&rsquo;\u00e9pargne :<\/b><\/p>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\"><b>Avantages<\/b><\/th><th scope=\"col\"><b>Inconv\u00e9nients<\/b><\/th><\/tr><\/thead><tbody><tr><td>Plus vous commencez \u00e0 \u00e9pargner t\u00f4t, plus votre argent aura le temps de fructifier.<\/td><td>Il pourra vous prendre plus de temps que pr\u00e9vu pour rembourser vos dettes.<\/td><\/tr><tr><td>Vous pouvez utiliser l&rsquo;argent pour r\u00e9aliser divers objectifs, comme acheter une maison ou une voiture, ou constituer un fonds d&rsquo;urgence.<\/td><td>Les frais d&rsquo;int\u00e9r\u00eat sur vos dettes augmentent le montant total que vous avez \u00e0 payer.<\/td><\/tr><\/tbody><\/table>\n\n\n\n<p class=\"mar-t-hlf\">Votre d\u00e9cision \u00e0 l\u2019\u00e9gard de ces deux approches peut \u00eatre difficile. Toutefois, examiner vos finances et pr\u00e9ciser vos objectifs pourra vous aider \u00e0 la prendre. Vous voulez en apprendre davantage sur la gestion de vos finances ? Consultez l&rsquo;un de nos <a href=\"https:\/\/www.rbcroyalbank.com\/healthcare\/physician\/specialist-locator\/fr\/index.html\">sp\u00e9cialistes, Services aux professionnels de la sant\u00e9<\/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=Rembourser ses dettes ou \u00e9pargner : quelle devrait \u00eatre la priorit\u00e9 ? &#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\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/rembourser-ses-dettes-ou-epargner-quelle-devrait-etre-la-priorite-pour-un-resident\/\">\n        <img decoding=\"async\" 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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-22ee83ee-6f8e-4e6f-9fa1-cc1351c9f5ac\" 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\/epargne\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9pargne<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/professionnels-de-la-sante\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Professionnels de la sant\u00e9<\/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=\"721\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Deux personnes souriantes tenant des sacs apr\u00e8s une s\u00e9ance de magasinage\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg 5213w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=300,211 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=768,541 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=1024,721 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=1536,1082 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=2048,1443 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/\">\n\t\t\t\t\t\tGestion des d\u00e9penses\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/quest-ce-que-linflation-du-niveau-de-vie-signes-exemples-et-comment-y-mettre-fin\/\" class=\"card-title h4 mar-t-0\">Qu\u2019est-ce que l\u2019inflation du niveau de vie? Signes, exemples et comment y mettre fin<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/thumb-what-empty-nest_402x-2.webp?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"P\u00e8re avec fils jeune adulte assis ensemble dans un salon, souriant et riant, conveyant un sentiment de proximit\u00e9 et d&#039;harmonie.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/thumb-what-empty-nest_402x-2.webp 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/thumb-what-empty-nest_402x-2.webp?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/thumb-what-empty-nest_402x-2.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/evenements-de-la-vie\/finances-et-relations\/parentalite\/\">\n\t\t\t\t\t\tParentalit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/evenements-de-la-vie\/finances-et-relations\/parentalite\/retour-dun-enfant-adulte-a-la-maison-comment-preserver-budget-et-harmonie-familiale\/\" class=\"card-title h4 mar-t-0\">Retour d\u2019un enfant adulte \u00e0 la maison : Comment pr\u00e9server budget et harmonie familiale<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/\">\n\t\t\t\t\t\tGestion des d\u00e9penses\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/gare-aux-mauvaises-surprises-voici-cinq-astuces-pour-eviter-les-decouverts\/\" class=\"card-title h4 mar-t-0\">Gare aux mauvaises surprises. Voici cinq astuces pour \u00e9viter les d\u00e9couverts<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-22ee83ee-6f8e-4e6f-9fa1-cc1351c9f5ac {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-22ee83ee-6f8e-4e6f-9fa1-cc1351c9f5ac {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>La r\u00e9ponse d\u00e9pend de certains facteurs. Pour d\u00e9terminer quelle sera votre strat\u00e9gie, posez-vous les quatre questions suivantes.<\/p>\n","protected":false},"author":10,"featured_media":9994,"parent":6520,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[124,216],"rbc_content_type":[121],"rbc_audience":[150,143,139],"rbc_lob_group":[122],"rbc_difficulty_level":[123],"rbc_mmm_category":[34,29,35,57,59],"class_list":["post-6754","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-epargne","tag-professionnels-de-la-sante","rbc_content_type-article","rbc_audience-aines","rbc_audience-jeunes","rbc_audience-parents","rbc_lob_group-entreprises","rbc_difficulty_level-beginner","rbc_mmm_category-difficulte-a-joindre-les-deux-bouts","rbc_mmm_category-endettement-et-reduction-du-stress","rbc_mmm_category-evenements-imprevus","rbc_mmm_category-gestion-des-depenses","rbc_mmm_category-gestion-du-stress-financier"],"acf":{"contently_publication_id":"258357","custom_author":"Paige Smith","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"La r\u00e9ponse d\u00e9pend de certains facteurs. 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