<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Hilio]]></title><description><![CDATA[Hilio]]></description><link>https://www.hilioapp.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Sat, 04 Apr 2026 10:26:25 GMT</lastBuildDate><atom:link href="https://www.hilioapp.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Why Your Coffee Budget Isn't the Problem]]></title><description><![CDATA[Let's get one thing straight: your daily latte is not why you're financially stressed. The personal finance world loves to blame small daily pleasures for big financial problems. Skip the $5 coffee, they say, and you'll be rich. It's a satisfying story — simple, actionable, virtuous. It's also mostly wrong. The Math Doesn't Add Up If you spend $5 a day on coffee, that's roughly $1,800 a year. Not nothing — but let's put it in context. The average Canadian household spends over $25,000 a year...]]></description><link>https://www.hilioapp.com/post/why-your-coffee-budget-isn-t-the-problem</link><guid isPermaLink="false">69cfb3b5462bc80100bedeb2</guid><pubDate>Fri, 03 Apr 2026 12:34:05 GMT</pubDate><dc:creator>Pranit S</dc:creator></item><item><title><![CDATA[TFSA vs RRSP vs FHSA: Which One Should You Use First?]]></title><description><![CDATA["I have some money saved. Where do I actually put it?" Short answer: start with your TFSA. It's the most flexible account Canada offers — you can invest anything inside it and withdraw any time, tax-free. Once you have a specific goal (first home → FHSA, retirement → RRSP), layer those in. Here's how to think about all three. Wait — what even is each one? Canada gives you three registered accounts that let your money grow without getting taxed the usual way. Each one is built for a different...]]></description><link>https://www.hilioapp.com/post/tfsa-vs-rrsp-vs-fhsa-which-one-should-you-use-first</link><guid isPermaLink="false">69b3275cd558374c818db542</guid><pubDate>Thu, 12 Mar 2026 20:56:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/eb6018_f9b799771bb24543b265e3afeb50a3ca~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Pranit S</dc:creator></item></channel></rss>