{"id":7031,"date":"2023-06-30T00:00:00","date_gmt":"2023-06-30T00:00:00","guid":{"rendered":""},"modified":"2024-02-26T21:19:21","modified_gmt":"2024-02-26T21:19:21","slug":"dilapider-de-largent-mettre-de-cote-des-fonds-voici-ce-que-la-langue-ma-appris-sur-mes-habitudes-financieres","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/dilapider-de-largent-mettre-de-cote-des-fonds-voici-ce-que-la-langue-ma-appris-sur-mes-habitudes-financieres\/","title":{"rendered":"Dilapider de l\u2019argent ? Mettre de c\u00f4t\u00e9 des fonds ? Voici ce que la langue m\u2019a appris sur mes habitudes financi\u00e8res"},"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\">Dilapider de l\u2019argent ? Mettre de c\u00f4t\u00e9 des fonds ? Voici ce que la langue m\u2019a appris sur mes habitudes financi\u00e8res<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Owen\u00a0Guo<\/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\/Untitled-design-2023-06-29T144855.251.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une illustration du cerveau humain\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-06-29T144855.251.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-06-29T144855.251.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-06-29T144855.251.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=Dilapider de l\u2019argent ? Mettre de c\u00f4t\u00e9 des fonds ? Voici ce que la langue m\u2019a appris sur mes habitudes financi\u00e8res &#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\/idees-et-motivation\/dilapider-de-largent-mettre-de-cote-des-fonds-voici-ce-que-la-langue-ma-appris-sur-mes-habitudes-financieres\/\">\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\/idees-et-motivation\/dilapider-de-largent-mettre-de-cote-des-fonds-voici-ce-que-la-langue-ma-appris-sur-mes-habitudes-financieres\/\">\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 30 juin 2023 \u2022 5 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>Il n\u2019y a pas si longtemps, je pouvais citer plusieurs expressions pour dire \u00ab&nbsp;d\u00e9penser&nbsp;\u00bb. Cependant, lorsque j\u2019ai essay\u00e9 de faire de m\u00eame pour le mot \u00ab&nbsp;\u00e9pargner&nbsp;\u00bb, j\u2019ai eu du mal \u00e0 trouver un synonyme.<\/p>\n\n\n\n<p>Pour savoir pourquoi, j\u2019ai consult\u00e9 un dictionnaire des synonymes. Mon outil de r\u00e9f\u00e9rence m\u2019a propos\u00e9 21&nbsp;mots susceptibles de remplacer \u00ab&nbsp;\u00e9pargner&nbsp;\u00bb et un nombre incroyable de 49&nbsp;substituts pour \u00ab&nbsp;d\u00e9penser&nbsp;\u00bb. Pour chaque expression signifiant \u00ab&nbsp;mettre de c\u00f4t\u00e9 des fonds&nbsp;\u00bb, je me retrouvais devant au moins deux fois plus de synonymes d\u2019\u00ab&nbsp;investir&nbsp;\u00bb et d\u2019\u00ab&nbsp;allouer&nbsp;\u00bb<strong>.<\/strong>&nbsp;J\u2019\u00e9tais fascin\u00e9, m\u00eame si je ne devais pas m\u2019en \u00e9tonner. Apr\u00e8s tout, n\u2019est-il pas plus facile de d\u00e9penser que d\u2019\u00e9pargner&nbsp;?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une tradition familiale<\/h2>\n\n\n\n<p>En plongeant dans l\u2019\u00e9tude des divers synonymes d\u2019\u00e9pargne et de d\u00e9pense, je me suis souvenu de ma jeunesse, au cours de laquelle les choix de mes parents en mati\u00e8re d\u2019argent m\u2019ont profond\u00e9ment marqu\u00e9.<\/p>\n\n\n\n<p>J\u2019ai grandi dans un foyer modeste en Chine. Mon p\u00e8re a \u00e9t\u00e9 le principal soutien de famille et mes parents ont toujours \u00e9conomis\u00e9. Ils l\u2019ont fait pour plusieurs raisons&nbsp;: mon \u00e9ducation, les soins de sant\u00e9 et, selon la tradition chinoise, le futur mariage de leur enfant unique. Ils avaient \u00e9galement besoin de suffisamment d\u2019argent pour vivre une retraite confortable. Pour eux, chaque centime d\u00e9pens\u00e9 constituait une perte d\u2019\u00e9pargne.<\/p>\n\n\n\n<p>Cette philosophie est devenue la mienne. Durant mes sept ann\u00e9es de carri\u00e8re \u00e0 P\u00e9kin, j\u2019ai beaucoup cuisin\u00e9, j\u2019ai achet\u00e9 des billets de compagnies a\u00e9riennes \u00e0 faible co\u00fbt et je logeais chez l\u2019habitant lorsque je voyageais \u00e0 l\u2019\u00e9tranger. Une fraction importante de mon salaire a \u00e9t\u00e9 mise de c\u00f4t\u00e9.<\/p>\n\n\n\n<p>Ensuite, en 2018, les choses ont chang\u00e9.<\/p>\n\n\n\n<p>Cette ann\u00e9e-l\u00e0, j\u2019ai d\u00e9m\u00e9nag\u00e9 \u00e0 Toronto pour pr\u00e9parer ma ma\u00eetrise. En raison de son co\u00fbt \u00e9lev\u00e9, l\u2019\u00e9ducation est devenue ma plus importante d\u00e9cision de d\u00e9pense depuis des ann\u00e9es. Cependant, la possibilit\u00e9 de payer mes frais de scolarit\u00e9 en tant qu\u2019\u00e9tudiant \u00e9tranger a permis d\u2019ouvrir un nouveau chapitre de ma vie&nbsp;: un nouveau d\u00e9part, en fait.<\/p>\n\n\n\n<p>J\u2019ai \u00e9puis\u00e9 mon \u00e9pargne apr\u00e8s deux ans d\u2019\u00e9tudes, mais j\u2019\u00e9tais libre de dettes quand j\u2019ai obtenu mon dipl\u00f4me. Un an plus tard, je suis devenu r\u00e9sident permanent au Canada, un pays que j\u2019appelle d\u00e9sormais mon foyer d\u2019adoption.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9pargner \u00e0 nouveau pour un nouvel avenir<\/h2>\n\n\n\n<p>Apr\u00e8s avoir trouv\u00e9 mon premier emploi, j\u2019ai rapidement renou\u00e9 avec un train de vie modeste.<\/p>\n\n\n\n<p>Mes revenus ont augment\u00e9, mais mes d\u00e9penses quotidiennes sont rest\u00e9es relativement stables. Apr\u00e8s deux ann\u00e9es o\u00f9 mes d\u00e9penses ont d\u00e9pass\u00e9 mes entr\u00e9es de fonds, je consacre maintenant plus de la moiti\u00e9 de mes revenus \u00e0 l\u2019\u00e9pargne et aux placements.<\/p>\n\n\n\n<p>En effet, je cherche \u00e0 franchir une nouvelle \u00e9tape dans ma vie&nbsp;: l\u2019achat d\u2019une copropri\u00e9t\u00e9. Cet objectif exige une mise de fonds encore plus importante que le co\u00fbt de mes \u00e9tudes au Canada.<\/p>\n\n\n\n<p>J\u2019esp\u00e8re y arriver d\u2019ici cinq ans. Le r\u00eave d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9 me permet de continuer \u00e0 \u00e9pargner de mani\u00e8re disciplin\u00e9e, et il pr\u00e9sente aussi un avantage psychologique. Les liquidit\u00e9s dont je dispose constituent une protection financi\u00e8re en cas de difficult\u00e9s, qu\u2019il s\u2019agisse d\u2019une perte de revenus ou d\u2019autres situations d\u2019urgence n\u00e9cessitant de l\u2019argent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9conomiser comme un \u00e9cureuil<\/h2>\n\n\n\n<p>Revenons aux mots. En voici quelques-uns qui m\u2019ont frapp\u00e9.<\/p>\n\n\n\n<p>Pour faire fructifier l\u2019\u00e9pargne, il faut \u00ab&nbsp;se constituer un bas de laine&nbsp;\u00bb ou \u00ab&nbsp;\u00e9conomiser comme un \u00e9cureuil&nbsp;\u00bb. Certes, ces synonymes semblent banals, voire un peu ennuyeux.<\/p>\n\n\n\n<p>En revanche, les synonymes de \u00ab&nbsp;d\u00e9penser&nbsp;\u00bb semblent beaucoup plus flamboyants. Si vous vous payez un d\u00eener plus luxueux que d\u2019habitude, vous&nbsp;<em>faites des folies<\/em>. Vous pouvez&nbsp;<em>flamber<\/em>&nbsp;une partie de vos revenus durement gagn\u00e9s pour un passe-temps co\u00fbteux. D\u00e9penser imprudemment, c\u2019est la d\u00e9finition du verbe&nbsp;<em>gaspiller<\/em>&nbsp;; vivre selon ses moyens, c\u2019est&nbsp;<em>\u00e9tablir un budget<\/em>.<\/p>\n\n\n\n<p>Alors, qu\u2019est-ce que cet exercice m\u2019a appris sur ma propre philosophie de l\u2019argent&nbsp;? Je dois admettre que l\u2019\u00e9pargne est loin d\u2019\u00eatre aussi exaltante que la d\u00e9pense. Cependant, l\u2019\u00e9pargne compte en tant qu\u2019acte de pr\u00e9voyance consistant \u00e0 troquer une satisfaction imm\u00e9diate contre une plus grande valeur future. (Je m\u2019inspire certainement de l\u2019histoire r\u00e9cente d\u2019un coll\u00e8gue,&nbsp;<em><a href=\"https:\/\/decouverte.rbcbanqueroyale.com\/toute-la-magie-de-mes-premiers-100-000-et-ensuite\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/toute-la-magie-de-mes-premiers-100-000-et-ensuite\/\" data-dig-id=\"LP-7031-ab1f5b99\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Toute la magie de mes premiers 100&nbsp;000&nbsp;$ et ensuite\" class=\"rbc-link-format\">Toute la magie de mes premiers 100&nbsp;000&nbsp;$ et ensuite<\/a>,&nbsp;<\/em>qui souligne les avantages de la composition).<\/p>\n\n\n\n<p>Je connais de premi\u00e8re main le pouvoir de l\u2019\u00e9pargne. Elle m\u2019a aid\u00e9 \u00e0 m\u2019installer au Canada en misant sur les \u00e9tudes. Et je sais que je continuerai \u00e0 \u00e9conomiser, sachant qu\u2019un jour, l\u2019\u00e9pargne rapportera gros. Je me suis rendu compte que l\u2019\u00e9pargne signifie faire des provisions en vue d\u2019un avenir plus riche.<\/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=Dilapider de l\u2019argent ? Mettre de c\u00f4t\u00e9 des fonds ? Voici ce que la langue m\u2019a appris sur mes habitudes financi\u00e8res &#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\/idees-et-motivation\/dilapider-de-largent-mettre-de-cote-des-fonds-voici-ce-que-la-langue-ma-appris-sur-mes-habitudes-financieres\/\">\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\/idees-et-motivation\/dilapider-de-largent-mettre-de-cote-des-fonds-voici-ce-que-la-langue-ma-appris-sur-mes-habitudes-financieres\/\">\n  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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-99cbe662-36de-4848-ba35-734eba352907 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-99cbe662-36de-4848-ba35-734eba352907 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Allant du gaspillage \u00e0 l\u2019\u00e9pargne, les notions utilis\u00e9es pour parler d\u2019argent m\u2019ont fait r\u00e9fl\u00e9chir \u00e0 mon propre rapport \u00e0 l\u2019argent.\u00a0\u00a0<\/p>\n","protected":false},"author":10,"featured_media":11484,"parent":7088,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[124],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[264,169],"class_list":["post-7031","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-epargne","rbc_content_type-article","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-idees-et-motivation","rbc_mmm_category-investisseur-inspire"],"acf":{"contently_publication_id":"362234","custom_author":"Owen\u00a0Guo","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 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