My name is Aman Sabarwal. Six months of paying every bill on time, and the score had barely moved. Two rules nobody mentions, and it took forty-four months instead of about thirty.
I had read the advice. The advice was not wrong. It just stopped before the part that mattered. That is not an accident.
Nothing about that is hidden, and it is disclosed at the bottom of most finance pages. But it decides where the writing stops, because the recommendation is the part that earns.
Rethink: the reason nobody explained the mechanism is that nobody gets paid when you understand it.
No affiliate links. No sponsors. Nothing for sale. Just the math.
Since the first video, April 2026.
Most sites publish and move on. A page written three years ago sits there with a three-year-old rule in it, and nothing tells you.
Rethink: the correction is the product.
When a rule changes, the page changes. When I get something wrong, the correction goes in three places: a pinned comment on the video, a line in its description, and an entry on the log here. The entry says what was said, what the source says, and what to do instead. It carries the date it was fixed.
Trust is earned slowly. One article, one video, one correction at a time.
Helping Canadians see money differently, so they make better financial decisions.
Everything here is researched and written by one person, in Winnipeg. Who writes this →
Next · The standards How this site is researched and written Where the facts come from, what decides whether something gets published, and what is made by machine and what is not.
