Starting your career


You got your first job. Congratulations! Your next step is coming up with a plan so that you can work towards your goals, whether it’s paying off debt, saving for a car, or putting together money for a down payment on a home.

We can help you with a financial plan that’ll take you where you want to go. Check out our tips and tools to get started.  

Meet with an advisor get your finances on track.

Top money tips

Now that you’ve successfully started your career, your next move is to get your finances on track. Planning your financial future is easier than you think. These useful tips and resources can help.

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Say ‘I do’ to budgeting: How to manage money as a couple

Learn how you can reach important milestones together with a shared budget.
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How to talk to your partner about your financial future

Ready to financially plan as a couple? Learn how to work with your partner for spending, saving and meeting your goals.
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How should I start investing in my 20s?

Did you know…

More than 73.2% of Canadians have some type of outstanding debt. *

Find out how to avoid the debt trap and pay up your student loans and other debts faster. opens in a new tab Created with Sketch.
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How should I pay off my student loans?
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Tips for having the money talk with your roommates

Talking about how you’ll split rent and shared living expenses can save you a load of trouble — and money. Here’s how you can talk money with your roomies.
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Get to know the ins and outs of the TFSA and why it’s a great way to start saving
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What’s the difference between an RRSP and a TFSA?
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How to make the most of your tax refund

Do you think you are getting a tax refund this year? If so – here are some ideas on how to make the most of it.

Did you know…

About 79% of Canadians under the age of 35 say saving for retirement is prohibitively expensive.** Saving for your future might be easier than you think.

Learn more about how you can invest regularly with Pre-Authorized Contributions (PACs). opens in a new tab Created with Sketch.
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Useful tools

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Learn where you are spending and saving


A great way to plan for your financial future is to understand where you are now. Use our calculator for a better picture of your finances and to help you budget for your goals.

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How can a TFSA help you plan for your future?


How much could you save in a TFSA over time? Try out our tool to see. 

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How can you save better for your retirement? 


Now that you’re starting your career, it’s a great time to start saving. Find out if you are saving enough for your future with our retirement savings calculator.

Let's have a conversation

Our Scotia advisors are here to help you plan your financial future. Talk to us today and get your retirement and financial goals on track.

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