Investing · Book
Automatic
Jesse, 33 · Investing
The honest DTC application on mental-functions grounds, then set-and-forget investing that survives an inconsistent brain.
Chapters
The Form That Doesn't Believe You
The DTC is about how a condition affects daily life, not what it's called. Jesse learns an invisible condition can qualify on mental-functions grounds.
Impact, Not Diagnosis
Jesse learns how T2201 actually works for ADHD: the mental-functions category, describing functional impact honestly, and the medical practitioner's role.
When They Say No
A no on the DTC is often not the end. Jesse learns how often claims are refused, and how the review and appeal path works, with many approvals coming the second time.
The Window That's Still Open
Qualifying young means the RDSP's matched government money is still on the table. This is the door Ray's age closed, and the centrepiece tool for Jesse.
Free Money, Matched
The government matches RDSP contributions and may pay in for free through the bond. With carry-forward catch-up, it's the best-return move few have heard of.
One Fund, On Repeat
One diversified asset-allocation fund, bought automatically, beats a clever portfolio Jesse stops maintaining. Low-decision investing survives an inconsistent brain.
Set It and Forget It
Automatic contributions into the RDSP and TFSA remove the one step willpower keeps breaking. Fewer accounts and fewer decisions, deliberately boring.
Don't Touch It
The biggest threat to Jesse's portfolio is the urge to mess with it. Built-in friction protects a long-horizon plan from a novelty-seeking brain.
The Accommodation
For an executive-function disability, automation isn't a convenience, it's the accommodation that makes the plan possible. The Freedom app earns its moment here.
Building With Both
With the DTC unlocked and contributions automatic, the RDSP and TFSA build wealth in the background. Now Jesse points it at the long horizon.