{"id":6981,"date":"2023-03-15T00:00:00","date_gmt":"2023-03-15T00:00:00","guid":{"rendered":""},"modified":"2024-03-05T19:11:21","modified_gmt":"2024-03-05T19:11:21","slug":"comment-un-couple-daventuriers-profite-du-present-et-investit-pour-lavenir","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/epargne-futee\/comment-un-couple-daventuriers-profite-du-present-et-investit-pour-lavenir\/","title":{"rendered":"Comment rendre l&rsquo;\u00e9laboration d&rsquo;un budget amusante\u0085 et efficace"},"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\/finances-personnelles\/\">\n\t\t\t\t\t\t\t<span>Finances personnelles<\/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\">Comment rendre l&rsquo;\u00e9laboration d&rsquo;un budget amusante\u0085 et efficace<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Owen Guo<\/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-2023-03-02T152727.650.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Image du couple\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-02T152727.650.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-02T152727.650.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-02T152727.650.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=Comment rendre l&rsquo;\u00e9laboration d&rsquo;un budget amusante\u0085 et efficace &#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\/investisseur-inspire\/epargne-futee\/comment-un-couple-daventuriers-profite-du-present-et-investit-pour-lavenir\/\">\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\/investisseur-inspire\/epargne-futee\/comment-un-couple-daventuriers-profite-du-present-et-investit-pour-lavenir\/\">\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 15 mars 2023 \u2022 6 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>\u00c9pargner n\u2019emp\u00eache pas Lacey et Sean d\u2019avoir du plaisir.<\/p>\n\n\n\n<p>En 2022, les jeunes mari\u00e9s ont pass\u00e9 le voyage de leur vie en Europe. Ils ont bu du vin chaud dans un march\u00e9 de No\u00ebl \u00e0 Copenhague. Ils sont all\u00e9s au caf\u00e9 parisien qu\u2019on voit dans une \u00e9mission populaire sur Netflix. Et dans une ville baln\u00e9aire en Gr\u00e8ce, ils se sont promen\u00e9s dans les rues pav\u00e9es et ont regard\u00e9 le coucher du soleil.<\/p>\n\n\n\n<p>Mais tout n\u2019\u00e9tait pas qu\u2019amusement. En voyage, le couple n\u2019a jamais cess\u00e9 de travailler. Tous deux \u00e9tant n\u00e9s et ayant grandi \u00e0 Vancouver, en Colombie-Britannique, Lacey (27&nbsp;ans) et Sean (23&nbsp;ans) travaillaient \u00e0 temps plein dans le secteur des technologies \u00e0 ce moment-l\u00e0. La capacit\u00e9 de travailler \u00e0 distance leur a permis d\u2019explorer leur passion pour le voyage.<\/p>\n\n\n\n<p>\u00c0 l\u2019occasion d\u2019une entrevue, Lacey et Sean nous ont parl\u00e9 de leurs premiers apprentissages en mati\u00e8re de finances et de leurs objectifs de vie. La discipline et la planification sont \u00e0 la base de leur mode de vie, de m\u00eame qu\u2019une philosophie concernant l\u2019argent qui leur permet de profiter du moment pr\u00e9sent tout en \u00e9tant pr\u00e9voyants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les d\u00e9buts<\/h2>\n\n\n\n<p>C\u2019est la curiosit\u00e9 qui a amen\u00e9 le couple sur son parcours financier.<\/p>\n\n\n\n<p>La lecture d\u2019un livre sur l\u2019investissement a \u00e9veill\u00e9 l\u2019int\u00e9r\u00eat de Sean pour les questions d\u2019argent. Cet ouvrage a fait na\u00eetre chez lui une soif de connaissance \u00e0 l\u2019\u00e9gard de la constitution d\u2019un patrimoine par le biais de diff\u00e9rents placements. Il l\u2019a aussi aid\u00e9 \u00e0 d\u00e9terminer par o\u00f9 commencer. \u00ab&nbsp;\u00c0 mesure que j\u2019ai d\u00e9couvert de nouvelles choses sur les finances personnelles, je suis devenu de plus en plus curieux&nbsp;\u00bb, observe-t-il.<\/p>\n\n\n\n<p>Lacey admet qu\u2019elle s\u2019est int\u00e9ress\u00e9e un peu tard au monde des placements, mais elle rattrape rapidement le temps perdu.<\/p>\n\n\n\n<p>Peu avant de se marier, Lacey a ouvert un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI). Maintenant, elle et Sean investissent dans un CELI et dans un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite (REER).<\/p>\n\n\n\n<p>\u00ab&nbsp;Je n\u2019ai pas appris la gestion de l\u2019argent au sein de ma famille. Je ne savais m\u00eame pas ce qu\u2019\u00e9tait un CELI quand j\u2019ai commenc\u00e9 \u00e0 fr\u00e9quenter Sean. Cela a \u00e9t\u00e9 tr\u00e8s utile d\u2019apprendre ensemble les ficelles de l\u2019investissement et de l\u2019argent&nbsp;\u00bb, affirme-t-elle.<\/p>\n\n\n\n<p>En tant que fervents utilisateurs des m\u00e9dias sociaux et cr\u00e9ateurs de contenu, ils consultent YouTube et TikTok pour trouver des id\u00e9es et de la motivation. \u00ab&nbsp;On peut prendre mod\u00e8le sur ce que font les autres, d\u00e9clare Lacey. Nous avons appris \u00e0 utiliser cette source d\u2019inspiration, puis \u00e0 faire nos propres recherches pour v\u00e9rifier l\u2019exactitude de l\u2019information.&nbsp;\u00bb<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Apprendre \u00e0 \u00e9tablir un budget&nbsp;\u0096 en s\u2019amusant<\/h3>\n\n\n\n<p>C\u2019est \u00e0 l\u2019universit\u00e9 que Lacey a appris l\u2019importance d\u2019\u00e9tablir un budget. \u00c0 cette \u00e9poque, elle travaillait \u00e0 temps partiel pour subvenir \u00e0 ses besoins.<\/p>\n\n\n\n<p>\u00ab&nbsp;Chaque dollar comptait, dit-elle. Et je suis devenue tr\u00e8s dou\u00e9e pour d\u00e9nicher de bonnes affaires. Maintenant que nous b\u00e2tissons tous les deux notre carri\u00e8re et que nous g\u00e9rons notre budget, je continue d\u2019utiliser le m\u00eame format que durant mes \u00e9tudes.&nbsp;\u00bb<\/p>\n\n\n\n<p>Il s\u2019agit d\u2019un format simple. Chaque mois, Lacey et Sean soustraient leurs d\u00e9penses de leurs revenus. Ce qu\u2019il reste (et ce montant varie parfois), c\u2019est ce avec quoi le couple peut travailler.<\/p>\n\n\n\n<p>Certaines personnes angoissent \u00e0 l\u2019id\u00e9e d\u2019\u00e9tablir un budget Mais pas Lacey et Sean. Ils ont trouv\u00e9 un moyen de transformer cette t\u00e2che en jeu.<\/p>\n\n\n\n<p>\u00ab&nbsp;Si j\u2019ai achet\u00e9 quelque chose qui n\u2019est pas une n\u00e9cessit\u00e9, mais juste un d\u00e9sir, c\u2019est consid\u00e9r\u00e9 comme une perte, et Sean obtient le droit de se vanter&nbsp;\u00bb, explique Lacey. Quiconque respecte le budget re\u00e7oit une r\u00e9compense&nbsp;: un bon repas.<\/p>\n\n\n\n<p>\u00ab&nbsp;Cela nous a vraiment aid\u00e9s \u00e0 maintenir le cap, souligne Lacey. Cette comp\u00e9tition amicale fonctionne bien pour nous.&nbsp;\u00bb<\/p>\n\n\n\n<p>Pour le couple, l\u2019\u00e9tablissement d\u2019un budget est le fondement sur lequel reposent de nombreuses autres d\u00e9cisions financi\u00e8res.<\/p>\n\n\n\n<p>\u00ab&nbsp;Avec un budget, le but est de mettre assez d\u2019argent de c\u00f4t\u00e9 pour l\u2019avenir, que ce soit pour la retraite ou pour d\u2019autres objectifs, indique Sean. Si nous pouvons \u00e9pargner ne serait-ce qu\u2019une petite partie de nos revenus et laisser cet argent fructifier, cela peut \u00eatre tr\u00e8s efficace.&nbsp;\u00bb<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9pargner pour demain, profiter d\u2019aujourd\u2019hui<\/h3>\n\n\n\n<p>Le couple estime que l\u2019\u00e9pargne n\u2019est pas n\u00e9cessairement synonyme de restriction. \u00ab&nbsp;Nous pr\u00e9f\u00e9rons tous deux \u00e9pargner pour vivre des exp\u00e9riences plut\u00f4t que pour acqu\u00e9rir des biens&nbsp;\u00bb, dit Sean.<\/p>\n\n\n\n<p>\u00c0 preuve, Lacey et lui ont tout vendu \u00e0 Vancouver \u00e0 la fin de 2022 avant de partir pour trois mois en Europe. Gr\u00e2ce aux points voyage accumul\u00e9s sur leurs cartes de cr\u00e9dit, ils ont pu r\u00e9server des billets aller simple \u00e0 destination de Paris pour seulement 100&nbsp;$.<\/p>\n\n\n\n<p>Selon Lacey, il existe une multitude de fa\u00e7ons d\u2019\u00e9conomiser. \u00ab&nbsp;Avez-vous vraiment besoin d\u2019acheter des essuie-tout de marque dans un grand supermarch\u00e9&nbsp;? Vous pourriez aller dans un magasin \u00e0 un dollar et payer une fraction du prix.&nbsp;\u00bb<\/p>\n\n\n\n<p>L\u2019argent ainsi \u00e9conomis\u00e9 peut alors \u00eatre investi ou d\u00e9pens\u00e9 intentionnellement pour des choses qui contribuent au style de vie du couple ou \u00e0 l\u2019avenir qu\u2019il veut b\u00e2tir. Par exemple, pendant qu\u2019ils travaillaient \u00e0 distance \u00e0 Copenhague, Lacey et Sean, qui se pr\u00e9occupent de leur sant\u00e9, ont pris un abonnement d\u2019un mois dans un centre de conditionnement physique pour rester en forme. Avec l\u2019argent qu\u2019ils \u00e9conomisent r\u00e9guli\u00e8rement, ces deux passionn\u00e9s de cuisine go\u00fbtent \u00e0 des mets locaux et s\u2019offrent des repas dans des restaurants pris\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">L\u2019avenir financier<\/h4>\n\n\n\n<p>Le couple avance qu\u2019il a l\u2019intention de continuer \u00e0 explorer ce que la vie a \u00e0 offrir, qu\u2019il s\u2019agisse de voyager ou de quitter Vancouver pour essayer de vivre ailleurs. \u00ab&nbsp;En ce moment, nous mettons l\u2019accent sur l\u2019investissement constant de notre argent pour le faire fructifier au fil du temps&nbsp;\u00bb, note Sean.<\/p>\n\n\n\n<p>Une chose est s\u00fbre, pour le couple, pr\u00e9parer le futur et vivre le moment pr\u00e9sent vont de pair. \u00ab&nbsp;Nous utilisons beaucoup les pourcentages, dit Lacey. Nous consacrons un certain pourcentage de notre paie \u00e0 la retraite, \u00e0 l\u2019\u00e9pargne et aux placements. Ce qu\u2019il reste, nous pouvons l\u2019utiliser, admettons, pour un week-end en Californie.&nbsp;\u00bb<\/p>\n\n\n\n<p>Sean abonde dans le m\u00eame sens. \u00ab&nbsp;Je ne veux pas attendre d\u2019avoir 70&nbsp;ans pour voyager et ne pas \u00eatre en mesure d\u2019en profiter autant.&nbsp;\u00bb<\/p>\n\n\n\n<p>Sean et Lacey sont clients de RBC. Ils ont \u00e9t\u00e9 r\u00e9mun\u00e9r\u00e9s pour leur t\u00e9moignage.<\/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=Comment rendre l&rsquo;\u00e9laboration d&rsquo;un budget amusante\u0085 et efficace &#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\/investisseur-inspire\/epargne-futee\/comment-un-couple-daventuriers-profite-du-present-et-investit-pour-lavenir\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a9848461-ab15-403d-ab0d-34f0ba2ed41a\" 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\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune homme utilisant un ordinateur portable \u00e0 un bureau et regardant un calendrier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-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\/investisseur-inspire\/academie-des-placements\/\">\n\t\t\t\t\t\tAcad\u00e9mie des placements\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\/investisseur-inspire\/academie-des-placements\/planification-reer-de-derniere-minute-date-limite-plafonds-et-plus\/\" class=\"card-title h4 mar-t-0\">Guide des plafonds et des d\u00e9lais de cotisation \u00e0 un REER<\/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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une jeune femme plong\u00e9e dans ses pens\u00e9es\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=2048,1365 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\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/compte-depargne-libre-dimpot\/\" class=\"card-title h4 mar-t-0\">Qu\u2019est-ce qu\u2019un CELI et comment fonctionne-t-il ?<\/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=\"1024\" height=\"673\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Liste de contr\u00f4le des formulaires num\u00e9riques\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1536,1009 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=2048,1345 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\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/\">\n\t\t\t\t\t\t\u00c9tablissement du budget\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\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/plan-financier-2026-adaptation-de-votre-budget-de-votre-emprunt-et-de-vos-placements-a-vos-objectifs\/\" class=\"card-title h4 mar-t-0\">Plan financier 2026\u00a0: guide de l\u2019endettement, de l\u2019\u00e9tablissement d\u2019un budget et des placements au Canada<\/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-a9848461-ab15-403d-ab0d-34f0ba2ed41a {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-a9848461-ab15-403d-ab0d-34f0ba2ed41a {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Un couple passionn\u00e9 de voyage et de gastronomie se confie sur l&rsquo;\u00e9quilibre entre profiter d&rsquo;aujourd&rsquo;hui et d&rsquo;investir pour demain.<\/p>\n","protected":false},"author":10,"featured_media":11031,"parent":7090,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[130],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[280,169],"class_list":["post-6981","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-finances-personnelles","rbc_content_type-article","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-epargne-futee","rbc_mmm_category-investisseur-inspire"],"acf":{"contently_publication_id":"350779","custom_author":"Owen Guo","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) - 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