Money Reset | The Checklist Every Canadian Needs in 2026

Video Description

January Reset | The 15-Step Money Checklist Every Canadian Needs in 2026 You may have started January with big financial goals. A new budget. No debt. Invest every paycheque. And then… life happened. Work happened. Kids happened. Winter happened. If your January hasn’t gone perfectly with money, this video is for you. Instead of giving up or waiting for “next year,” this video helps you treat January 31st as your real financial New Year’s Day. In this episode, I walk you through a clear, practical 15-step annual money checklist designed specifically for Canadians. I’m Yudhvir Kabuli, CPA, CFA, and like you, I’m trying to make smart financial decisions inside the same Canadian tax, banking, and investing system. This video is education, not personalized financial advice but the framework applies to almost every Canadian household. This January Reset is designed to help you: • Reset your finances without guilt • Get organized without overwhelm • Make calm, confident money decisions • Build systems that actually match real life What This Video Covers This is not a budget template or a one-size-fits-all plan. It’s a once-a-year financial reset you can run every January to realign everything. We walk through all 15 steps, including: 1️⃣ Creating a one-page net worth report 2️⃣ Mapping your 12-month cash flow 3️⃣ Setting clear savings and investing targets 4️⃣ Reviewing debt and interest rates 5️⃣ Checking your credit health 6️⃣ Auditing payroll and employer benefits 7️⃣ Reviewing TFSA, RRSP, FHSA, and account priorities 8️⃣ Making a smart RRSP decision before tax panic 9️⃣ Setting up a clean tax-season system 🔟 Rebalancing your portfolio and checking risk 1️⃣1️⃣ Reviewing insurance and risk protection 1️⃣2️⃣ Choosing one big money move for the year 1️⃣3️⃣ Scheduling quarterly “money dates” 1️⃣4️⃣ Having one honest money conversation 1️⃣5️⃣ Reviewing your estate and succession plan The goal is not perfection. The goal is progress with clarity. You don’t need to finish everything in one night. If you work through this checklist over a week or two, your financial life in 2026 can look very different from how it started. This video is for: • Canadians in their 20s, 30s, 40s, and 50s • Professionals and families • People earning money but feeling unorganized • Anyone who wants calmer, more intentional finances If you want more Canadian-specific, no-noise personal finance, subscribe, like the video so more Canadians see it, and comment below: 👉 Which step from the January Reset are you doing first? Welcome to Your Canadian Money Playbook 🇨🇦. Chapter: 00:00 – Intro 00:50 – Disclaimer 01:05 – Net Worth Snapshot (One-Page Report) 02:07 – Build a 12-Month Cash Flow Map 02:40 – Fixed, Variable & Seasonal Costs 03:22 – This Year’s Savings & Investing Targets 04:15 – Debt & Interest Rate Review 05:21 – Check Your Credit Health 06:12 – Payroll Setup & Employer Benefits 08:34 – RRSP Planning Before the Panic 09:38 – Set Up Your Tax-Season Folder 10:34 – Portfolio Rebalance & Risk Check 11:37 – Risk & Insurance Audit 11:49 – Life Insurance: Term & Annual Review 12:05 – Disability, Critical Illness & Home Insurance 12:39 – Pick One Big Money Move for the Year 13:25 – Schedule Your Money Dates 14:07 – One Honest Money Conversation 14:53 – Estate & Succession Planning 16:10 – Quick Recap #JanuaryReset #CanadianPersonalFinance #FinanceCanada #MoneyReset #CanadianMoney #MoneyPlaybook #FinancialPlanning #TFSA #RRSP #FHSA #WealthBuilding #MoneyHabits #PersonalFinanceCanada #CanadianFinance #FinancialLiteracy #MoneyGoals #NewYearReset #CanadaMoney #CPA #CFA