Michael Campbell's Money Talks April 4 Episode
Apr 4, 2026
Tim Sesnick, tax pro and columnist, offers quick tips on RRSP timing, deductions and common filing mistakes. Ryan King, Equinox Gold's VP of Capital Markets, talks growth, production margins and how rising energy costs squeeze mining operations. They discuss forced selling, supply-chain resilience, M&A opportunities and the macro drivers behind gold’s moves.
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Split Income With Your Spouse To Save Tax
- Use spousal income-splitting techniques after marriage to lower household tax, such as prescribed-rate loans, spousal RSPs or paying a spouse a salary.
- Tim Sesnick outlines loans at prescribed rates, spousal RSPs and wages to equalize taxable income.
Do A Debt Swap To Make Interest Deductible
- Convert nondeductible debt to deductible investment debt by paying down debt with cash or investments then reborrowing to invest (debt swap).
- Tim Sesnick says this makes interest deductible when the new borrowing is for investing purposes, saving substantial tax if in high brackets.
Claim Home Expense Deductions But Stay Under 50% Rented
- When renting part of your home report income but claim proportionate expenses like mortgage interest, utilities and taxes, keeping rental under 50% to preserve the principal residence exemption.
- Tim Sesnick cautions that renting more than half may limit tax-free sale treatment of the home.