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Investor strategies and developer knowledge for you to learn and enjoy… for FREE! Prepare yourself for financial freedom by learning everyday.

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Who am I and what is this blog about

Hello! Thank you so much for having an interest reading my blog. My name is Samuel Poirier. I grew up in the beautiful city of Montreal in Canada and as I start this journey, I am 25 years old with a great future planned in mind. I am a software developer and investor with a huge craving for knowledge and sharing. I have been working hard on the knowledge part and I want to start improving the sharing part in my life. Being a developer, a blog is the most effective way I know to reach people and share some thoughts, skills, and discoveries I made. One thing I would ask you while reading all of this is, stay open-minded. Life is so much easier when we are.

Hopefully, my blog will inspire you to push yourself for a life of constant learning and grow. Everything in life is a matter of perspective. Some people see it as a game of “win or lose”, but I decided to see life as a game of “win or learn”.

Until now, my main passions have been mostly around technology and software development. Recently I’ve encountered a few events that made me open my eyes and getting interested in the world of finances. I started learning more about finance by reading multiple books that completely changed my vision on the future I wanted to go.

Some things that I read completely shocked me and made me realize that most Canadians and Americans are heading to a painful retirement without even knowing it. From what I’ve learned, there are ways that will guarantee me a smooth life ride to a financial freedom at my retirement. I know, you must think I am a bit intense thinking about retirement at 25 years old, but trust me, I wish I had learned all of this at 18.

Feel free to subscribe to my blog to get notifications, I will use this blog a bit as an open notebook for things I find interesting and to note stuff that I want to remember. I always thought, if it interests me, it might interest someone else.

Enjoy the reading!



If you have any question or idea you would like to share with me, please do, I will be happy to help as much as I can! 🙂

As a developer

In this section of the blog, I will share some random tech discoveries mostly around software development and technology. If you are interested about this subject, make sure you check this part occasionally. I will try to post updates whenever I feel they are worth sharing.

To give you the context of where I come from as a developer, I had the chance to grow my developer skills by working at an awesome company named BesLogic Inc. since 2012. I feel blessed to work with every single person in our company. Everyone share the same passions as I do for tech and computer science. I’ve also had the chance to become a shareholder of the company.

If you want to know more about what I do for a living, or even better, if you ever want to hire me or my team just checkout out our business website: https://www.beslogic.com


  • As a developer

    • Messy cables CES 2018 Intel comeback?

      One of my favorite tech event of the year is the consumer electronic show. Every year, many companies show us the hard work their team did over the past years. I gotta say, Intel really surprised me this year. Especially after the recent event of CPU Meltdown and Specter mess. The Verge made a great […]

    • Amazon Kindle vs anything else - 1 Amazon Kindle vs anything else

      As a developer, I love tech probably as much as I love learning new stuff. One way of learning that I use a lot is to read. Weather I learn by reading online or simply by reading a good old book. There are just some situations where the good old book wins. I recently decided […]

As an investor

In this section of the blog, I will share a lot of knowledge that I will acquire through my lifetime. In my intro, I mentioned that I am an investor. Here, you will learn that you that you should be to. The sooner the better. The world we live in doesn’t want the average investor to be more than the average. I am here to share what I wish was thought in school.

If you landed here, I can probably assume that you have some interests or questions around the finance world. I would suggest you to take a look at what I strongly believe we should have learned in school:

The ultimate personal finance learning guide


“Compound interest is man’s greatest invention.” – Albert Einstein


  • As an investor

    • 2018-05-22 - US investing as a Canadian As a Canadian investor, how to buy US dollars the right way

      If you started looking around for the right place to invest your money, you probably noticed that the Canadian market is far from being the best egg nest. According to Morningstar, the Canadian benchmark index (TSX Composite), we are ranking ourselves at the 25th position when competing for the best 5 year returns from 2013 […]

    • 2018-02-10 - Market crash is good for me Why would a market correction or crash be great for me?

      Since last week, we saw the S&P 500 drop by 7.5% from top to bottom. This caused a lot of panics from what I saw in the news. Weirdly, I am in the few that was pleasantly surprised. Let me explain why. Part of my investing strategy relies on two golden rules that do all […]

    • 2018-01-17 How do stocks work How do stocks work?

      When investing in the stock market, if you decide to buy stocks from a company, there are multiple key statistics and concepts you should know beforehand. You should always understand them before throwing any money to the company, otherwise I wouldn’t call that investing, but speculating or gambling. I’ve prepared a list of some really […]

    • 2018-01-14 - What is dollar cost averaging What is dollar-cost averaging?

      Investing can seem too complex or impossible for the average investor. People think it is too risky. They are afraid to make mistakes and lose money. Well, I  can tell you that those beliefs are simply not true. If you have the willingness to learn and you put the efforts to do so and understand, […]

    • 2018-01-11 - What is a dividend withholding tax What is a dividend withholding tax?

      One of the core rules of investing is to diversify as much as we can. Never put all of your eggs in the same basket. Most people know that. There is something I learned that not many knows. If you are not careful, you may pay a price you can avoid. A key recommendation for […]

    • Ray Dalio’s All-Weather portfolio’s secret

      If you have read Tonny Robbins’ book, MONEY Master the Game, you probably have learned one of the core principles of building wealth, which is to NOT lose money. Most people tend to forget about that rule by chasing high returns instead, which can be disastrous if a market crash would occur without preparation. In […]

    • TFSA or RSP TFSA or RSP: Which one to prioritize?

      We often hear the saying: “You must save money to grow your wealth”. Everyone knows that, but not everyone does it. There are tons of ways to “save” money that you can look up on the internet. Although, I realized that there is another related question that is a lot less obvious to find: Where […]

    • Don't upgrade your lifestyle yet Don’t upgrade your lifestyle… yet.

      If you read my previous post about the rule of thumb to become wealthy, you probably know the simple pattern to follow to avoid getting stuck in the expense and liability trap. Here is another obvious tip I wanted to share that most people seem to completely ignore. I see that human behavior all the […]

    • The rule of thumb to become wealthy The rule of thumb to become wealthy

      There is that misconception around the poor and middle class that when you have a lot of income, you are rich. Having a lot of money and being wealthy is not the same thing. Moneywise, being rich means having a lot of money. This definition does not talk about expenses and liabilities. A middle-class worker […]

As a human

This section will be a bit more philosophical. I just want to help others to realize that we have a much bigger impact on our future that we think. Simply by embracing the power of taking actions.

“You need only two things to be successful. Finding the right action to make and having the courage to do the action.” – Ray Dalio


  • As a human