{"id":60540,"date":"2026-04-29T12:12:54","date_gmt":"2026-04-29T16:12:54","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/the-6-bank-accounts-of-entrepreneurs-the-method-to-manage-your-finances-in-2026\/"},"modified":"2026-04-29T13:00:50","modified_gmt":"2026-04-29T17:00:50","slug":"the-6-bank-accounts-of-entrepreneurs-the-method-to-manage-your-finances-in-2026","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/the-6-bank-accounts-of-entrepreneurs-the-method-to-manage-your-finances-in-2026\/","title":{"rendered":"The 6 bank accounts that manage your personal finances: the complete method 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Les 6 comptes bancaires qui pilotent vos finances personnelles : la m\u00e9thode compl\u00e8te 2026\",\"description\":\"M\u00e9thode des 6 comptes bancaires (N\u00e9cessit\u00e9s, Libert\u00e9 financi\u00e8re, Long terme, \u00c9ducation, R\u00e9cr\u00e9ation, Donation) pour reprendre le contr\u00f4le de vos finances personnelles au Qu\u00e9bec. Calculateur de r\u00e9partition, auto-\u00e9valuation et FAQ. Section sp\u00e9ciale entrepreneurs incluse.\",\"datePublished\":\"2026-04-29\",\"dateModified\":\"2026-04-29\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/app\/\",\"description\":\"Jean Boissonneault, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), propri\u00e9taire d'Assur360 et courtier depuis plus de 30 ans.\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2022\/01\/assur360-logo.png\"}},\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/6-comptes-bancaires-finances-personnelles.png\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/mes-finances\/6-comptes-bancaires-finances-personnelles\/\"},\"about\":[{\"@type\":\"Thing\",\"name\":\"Finances personnelles\"},{\"@type\":\"Thing\",\"name\":\"Budget\"},{\"@type\":\"Thing\",\"name\":\"Libert\u00e9 financi\u00e8re\"},{\"@type\":\"Thing\",\"name\":\"\u00c9pargne\"}]}<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:24px 0 40px;\">\n  <p style=\"color:#94a3b8;font-size:13px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">PERSONAL FINANCE \u2014 2026 METHOD<\/p>\n  <h2 style=\"color:#ffffff;font-size:30px;margin:0 0 16px;line-height:1.2;\"><span class=\"ez-toc-section\" id=\"Most-people-put-everything-in-the-same-account-And-lose-control\"><\/span>Most people put everything in the same account. And lose control. <span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;font-size:17px;line-height:1.6;\">This is the simple 6-account system used by people who really manage their money \u2014 instead of being subjected to it. Interactive calculator included. Whether you are an employee, self-employed, entrepreneur or retired.  <\/p>\n  <a href=\"#calculateur-6-comptes\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">\u2193 Start my calculation<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">6<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Separate accounts<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">55 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Ceiling Necessities<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">10 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Towards freedom<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">5 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To calculate everything<\/div>\n  <\/div>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">You earn more, but you never feel like you&#8217;ve had enough. You save when there are any left over \u2014 so almost never. You indulge yourself with a taste of guilt. This spiral almost always has the same cause: <strong>a single bank account<\/strong> that mixes pay, everyday life, pleasure and future. When everything is in the same pool, no one knows how much water is left.    <\/p>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">The <strong>6-bank account<\/strong> method \u2014 popularized by <em>T. Harv Eker<\/em> as the &#8220;6 jars&#8221; system \u2014 solves this problem in 30 minutes: you cut each incoming dollar into 6 specialized envelopes, and you stop having to deal with your money. This article reformulates the method for <strong>Quebec in 2026<\/strong>, with an <strong>interactive calculator<\/strong>, a <strong>self-assessment<\/strong> and a section dedicated to <strong>self-employed workers and incorporated entrepreneurs<\/strong>. Bonus: we also talk about <em>when<\/em> to insure what you build, because <strong>Assur360<\/strong> is first and foremost an <strong>AMF-certified<\/strong> brokerage firm.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-one-account-no-piloting\"><\/span>Why one account = no piloting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>When your pay, fixed expenses, investments and enjoyment flow through one account, you can&#8217;t answer the three questions that really matter:<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #ef4444;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2753<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">How much can I spend?<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Without a dedicated fun account, every outing becomes a moral decision. The result: we still spend, but with guilt. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #ef4444;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">How much can I save?<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Without a &#8220;Financial Freedom&#8221; account topped up each month, savings become a leftover \u2014 and therefore almost always zero.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #ef4444;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf2a\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">What if a big expense comes up?<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Winter tyres, taxes, roofing, insurance deductibles: without a &#8220;long-term&#8221; account, every unforeseen event becomes a crisis and a debt.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">The central idea, in one sentence<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">You can&#8217;t <strong style=\"color:#ffffff;\">drive<\/strong> what you can&#8217;t <strong style=\"color:#ffffff;\">measure<\/strong>. Six counts = six gauges. Without them, you fly to broken instruments.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-accounts-one-by-one\"><\/span>The 6 accounts, one by one<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Every net dollar that comes in (after taxes) is immediately distributed among the 6 accounts. Discipline is in the <em>mechanical gesture,<\/em> not in the will. <\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-radius:12px;border-left:4px solid #10c4c7;padding:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0;min-width:44px;\">1<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:18px;\">Necessities Account <span style=\"color:#10c4c7;font-weight:700;font-size:14px;\">\u2014 55%<\/span><\/h3>\n      <p style=\"color:#334155;margin:0;line-height:1.7;\">Rent or mortgage, groceries, electricity, internet, insurance, transportation, daycare. It is the non-negotiable floor of your life. <strong>If that account swallows up more than 55% of your revenue for 3 months, you have a revenue problem, not a budget problem<\/strong> \u2014 increase inflows rather than cut off basic comfort. <\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-radius:12px;border-left:4px solid #10c4c7;padding:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0;min-width:44px;\">2<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:18px;\">Financial Freedom Account <span style=\"color:#10c4c7;font-weight:700;font-size:14px;\">\u2013 10%<\/span><\/h3>\n      <p style=\"color:#334155;margin:0 0 8px;line-height:1.7;\">The money that works for you: TFSAs, RRSPs, rental properties, index funds, dividends. <strong>Golden rule: feed, never touch<\/strong>. This account is not a spending tool, it is a compound interest machine. The earlier you put in it, the less you&#8217;ll have to put in later.  <\/p>\n      <p style=\"color:#64748b;font-size:13px;margin:0;font-style:italic;\">\u2192 For the <em>protection<\/em> of this construction, see our <a href=\"https:\/\/www.assur360.ca\/en\/2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month\/\" style=\"color:#10c4c7;\">term life insurance<\/a> (and why <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/mortgage-life-insurance-why-you-should-always-refuse-your-banks\/\" style=\"color:#10c4c7;\">refuse your bank&#8217;s<\/a>).<\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-radius:12px;border-left:4px solid #10c4c7;padding:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0;min-width:44px;\">3<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:18px;\">Long-Term Spending Account <span style=\"color:#10c4c7;font-weight:700;font-size:14px;\">\u2014 10%<\/span><\/h3>\n      <p style=\"color:#334155;margin:0;line-height:1.7;\">Vacations, cars, renovations, insurance deductibles, appliances, holiday gifts. All <strong>the big expenses, predictable or not<\/strong>. Without this account, every unforeseen event becomes a debt. With this account, the unexpected becomes a simple line of writing.   <\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-radius:12px;border-left:4px solid #10c4c7;padding:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0;min-width:44px;\">4<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:18px;\">Education Account <span style=\"color:#10c4c7;font-weight:700;font-size:14px;\">\u2014 10%<\/span><\/h3>\n      <p style=\"color:#334155;margin:0;line-height:1.7;\">Training, books, paid podcasts, evening classes, conferences, coaching. <strong>It is the account that multiplies the value of all the others<\/strong>. A person who does not invest in himself ends up depending on the free education of algorithms \u2014 and therefore interests that have nothing to do with his own progress. <\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-radius:12px;border-left:4px solid #10c4c7;padding:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0;min-width:44px;\">5<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:18px;\">Recreation Account <span style=\"color:#10c4c7;font-weight:700;font-size:14px;\">\u2014 10%<\/span><\/h3>\n      <p style=\"color:#334155;margin:0;line-height:1.7;\">Restaurants, outings, favorite clothes, gadgets, weekend trips, leisure. <strong>The money you spend guilt-free, because it was planned for it<\/strong>. A small rule that changes everything: this account must <em>be emptied<\/em> every month. Otherwise you underlive, and you will crack in compensation a little later.  <\/p>\n    <\/div>\n  <\/div>\n\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-radius:12px;border-left:4px solid #10c4c7;padding:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0;min-width:44px;\">6<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;margin:0 0 6px;font-size:18px;\">Donation Account <span style=\"color:#10c4c7;font-weight:700;font-size:14px;\">\u2014 5%<\/span><\/h3>\n      <p style=\"color:#334155;margin:0;line-height:1.7;\">Family, organizations, causes that matter, emergency donations. <strong>Giving with a dedicated account means giving with power and intention,<\/strong> not out of guilt or chance. Quebec bonus: The majority of donations are tax-deductible \u2014 your 5% often gives back ~30% to the long-term account. <\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"calculateur-6-comptes\"><span class=\"ez-toc-section\" id=\"%F0%9F%A7%AE-Interactive-calculator-your-allocation-in-5-seconds\"><\/span>\ud83e\uddee Interactive calculator: your allocation in 5 seconds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Enter your <strong>monthly net income<\/strong> (net pay or net withdrawals after taxes). The calculator instantly gives you the exact share to be transferred to each account. No buttons to click, no data sent \u2014 it&#8217;s all calculated in your browser.  <\/p>\n\n<div id=\"comptes-calc\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:28px;margin:24px 0;\">\n  <label for=\"comptes-revenu\" style=\"display:block;color:#0d1f2d;font-weight:700;font-size:16px;margin-bottom:12px;\">My monthly net income<\/label>\n  <div style=\"display:flex;align-items:center;gap:12px;background:#ffffff;border:2px solid #10c4c7;border-radius:10px;padding:8px 16px;max-width:360px;margin-bottom:24px;\">\n    <span style=\"color:#10c4c7;font-weight:700;font-size:22px;\">$<\/span>\n    <input id=\"comptes-revenu\" type=\"number\" min=\"0\" step=\"100\" value=\"4500\" style=\"flex:1;border:0;outline:0;background:transparent;font-size:22px;font-weight:700;color:#0d1f2d;width:100%;\" inputmode=\"numeric\"\/>\n    <span style=\"color:#64748b;font-size:14px;\">\/month<\/span>\n  <\/div>\n  <input id=\"comptes-slider\" type=\"range\" min=\"1000\" max=\"30000\" step=\"100\" value=\"4500\" style=\"width:100%;max-width:560px;accent-color:#10c4c7;margin-bottom:24px;display:block;\"\/>\n\n  <div id=\"comptes-cards\" style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px;\"><\/div>\n\n  \n<\/div>\n<script>\n(function(){\n  var comptes = [\n    {key:\"nec\",  label:\"N\u00e9cessit\u00e9s\",   pct:55, emoji:\"\ud83c\udfe0\", note:\"Logement, factures, transport, assurances.\"},\n    {key:\"lib\",  label:\"Libert\u00e9\",      pct:10, emoji:\"\ud83d\udcc8\", note:\"\u00c9pargne et placements. On alimente, on ne touche pas.\"},\n    {key:\"long\", label:\"Long terme\",   pct:10, emoji:\"\ud83d\udee0\ufe0f\", note:\"Vacances, auto, gros achats, franchises.\"},\n    {key:\"edu\",  label:\"\u00c9ducation\",    pct:10, emoji:\"\ud83d\udcda\", note:\"Formations, livres, cours, coaching.\"},\n    {key:\"rec\",  label:\"R\u00e9cr\u00e9ation\",   pct:10, emoji:\"\ud83c\udf89\", note:\"Restos, sorties, plaisirs sans culpabilit\u00e9.\"},\n    {key:\"don\",  label:\"Donation\",     pct:5,  emoji:\"\u2764\ufe0f\", note:\"Famille, causes, organismes.\"}\n  ];\n  var input = document.getElementById(\"comptes-revenu\");\n  var slider = document.getElementById(\"comptes-slider\");\n  var grid = document.getElementById(\"comptes-cards\");\n  var msg = document.getElementById(\"comptes-message\");\n  if(!input || !grid) return;\n\n  comptes.forEach(function(c){\n    var card = document.createElement(\"div\");\n    card.style.cssText = \"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:18px;\";\n    card.innerHTML =\n      '<div style=\"font-size:24px;margin-bottom:4px;\">'+c.emoji+'<\/div><\/script>\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u2699\ufe0f<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">The technical tip: automatic payday transfers<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Most Canadian banks (Desjardins, National Bank, RBC, EQ Bank, Tangerine, Wealthsimple Cash) allow you to create 5 free sub-accounts with recurring transfers. Schedule all 6 transfers <strong style=\"color:#ffffff;\">on payday<\/strong>. It&#8217;s mechanical, it&#8217;s free, and it replaces 100% of the &#8220;will&#8221; with a system.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8B-Self-assessment-where-are-you-at\"><\/span>\ud83d\udccb Self-assessment: where are you at?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Check the statements that really apply to your current situation. Your score is displayed at the bottom in real time. <\/p>\n\n<div id=\"comptes-quiz\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:28px;margin:24px 0;\">\n  <div style=\"display:flex;flex-direction:column;gap:12px;\" id=\"comptes-quiz-list\">\n    <label style=\"display:flex;gap:12px;align-items:flex-start;cursor:pointer;padding:12px 16px;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;\"><input type=\"checkbox\" class=\"cq\" style=\"margin-top:4px;accent-color:#10c4c7;width:18px;height:18px;\"\/><span style=\"color:#334155;line-height:1.5;\">I have a separate account for my needs, which <strong>is<\/strong> automatically funded each month.<\/span><\/label>\n    <label style=\"display:flex;gap:12px;align-items:flex-start;cursor:pointer;padding:12px 16px;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;\"><input type=\"checkbox\" class=\"cq\" style=\"margin-top:4px;accent-color:#10c4c7;width:18px;height:18px;\"\/><span style=\"color:#334155;line-height:1.5;\">I have an account or investment dedicated to <strong>financial freedom<\/strong> from which I never withdraw anything.<\/span><\/label>\n    <label style=\"display:flex;gap:12px;align-items:flex-start;cursor:pointer;padding:12px 16px;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;\"><input type=\"checkbox\" class=\"cq\" style=\"margin-top:4px;accent-color:#10c4c7;width:18px;height:18px;\"\/><span style=\"color:#334155;line-height:1.5;\">I have a buffer account for <strong>large foreseeable expenses<\/strong> (vacations, car, deductibles, renovations).<\/span><\/label>\n    <label style=\"display:flex;gap:12px;align-items:flex-start;cursor:pointer;padding:12px 16px;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;\"><input type=\"checkbox\" class=\"cq\" style=\"margin-top:4px;accent-color:#10c4c7;width:18px;height:18px;\"\/><span style=\"color:#334155;line-height:1.5;\">I spend at least <strong>5% of my income<\/strong> on lifelong learning (books, training, courses).<\/span><\/label>\n    <label style=\"display:flex;gap:12px;align-items:flex-start;cursor:pointer;padding:12px 16px;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;\"><input type=\"checkbox\" class=\"cq\" style=\"margin-top:4px;accent-color:#10c4c7;width:18px;height:18px;\"\/><span style=\"color:#334155;line-height:1.5;\">I have a &#8220;pleasure&#8221; account that I <strong>empty every month without guilt<\/strong>.<\/span><\/label>\n    <label style=\"display:flex;gap:12px;align-items:flex-start;cursor:pointer;padding:12px 16px;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;\"><input type=\"checkbox\" class=\"cq\" style=\"margin-top:4px;accent-color:#10c4c7;width:18px;height:18px;\"\/><span style=\"color:#334155;line-height:1.5;\">I give money <strong>in a planned way<\/strong>, not just when I&#8217;m asked.<\/span><\/label>\n    <label style=\"display:flex;gap:12px;align-items:flex-start;cursor:pointer;padding:12px 16px;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;\"><input type=\"checkbox\" class=\"cq\" style=\"margin-top:4px;accent-color:#10c4c7;width:18px;height:18px;\"\/><span style=\"color:#334155;line-height:1.5;\">My income is <strong>protected<\/strong> by appropriate life and\/or disability insurance.<\/span><\/label>\n  <\/div>\n  <div id=\"comptes-quiz-result\" style=\"margin-top:24px;padding:20px;border-radius:12px;background:#0d1f2d;color:#ffffff;text-align:center;\">\n    <div style=\"font-size:14px;color:#94a3b8;text-transform:uppercase;letter-spacing:2px;margin-bottom:8px;\">YOUR RIDING LEVEL<\/div>\n    <div id=\"comptes-quiz-score\" style=\"font-size:42px;font-weight:800;color:#10c4c7;line-height:1;margin-bottom:8px;\">0 \/ 7<\/div>\n    <div id=\"comptes-quiz-msg\" style=\"font-size:15px;line-height:1.6;color:#ffffff;\">Check the above statements to find out your score.<\/div>\n  <\/div>\n<\/div>\n<script>\n(function(){\n  var boxes = document.querySelectorAll(\"#comptes-quiz .cq\");\n  var scoreEl = document.getElementById(\"comptes-quiz-score\");\n  var msgEl = document.getElementById(\"comptes-quiz-msg\");\n  var resBox = document.getElementById(\"comptes-quiz-result\");\n  function update(){\n    var n = 0;\n    boxes.forEach(function(b){ if(b.checked) n++; });\n    scoreEl.textContent = n + \" \/ 7\";\n    var msg, bg;\n    if(n <= 1){ msg=\"D\u00e9marrage : vos finances vous subissent. Bonne nouvelle, n'importe quel compte ouvert demain change la trajectoire.\"; bg=\"#7f1d1d\"; }\n    else if(n <= 3){ msg=\"En route : vous avez les bons r\u00e9flexes mais pas encore le syst\u00e8me. Automatisez les virements le jour de paye.\"; bg=\"#92400e\"; }\n    else if(n <= 5){ msg=\"Avanc\u00e9 : vous pilotez. Il vous reste \u00e0 blinder les angles morts (imp\u00f4ts, protection du revenu, donation planifi\u00e9e).\"; bg=\"#0d1f2d\"; }\n    else { msg=\"Expert : votre argent travaille pour vous. Reste \u00e0 prot\u00e9ger la machine \u2014 assurance vie, invalidit\u00e9, responsabilit\u00e9 civile si vous \u00eates en affaires.\"; bg=\"#0d2d2d\"; }\n    msgEl.textContent = msg;\n    resBox.style.background = bg;\n  }\n  boxes.forEach(function(b){ b.addEventListener(\"change\", update); });\n  update();\n})();\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Summary-table-of-the-6-accounts\"><\/span>Summary table of the 6 accounts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;\">Account<\/th>\n        <th style=\"padding:14px 16px;text-align:center;\">% of revenue<\/th>\n        <th style=\"padding:14px 16px;text-align:left;\">Use for<\/th>\n        <th style=\"padding:14px 16px;text-align:left;\">Absolute rule<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">1. Necessities<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">55%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Housing, bills, transportation, insurance, groceries<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">If > 55%,<\/td>\n increase income                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">2. Financial<\/td>\n Freedom<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">10%<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">TFSA, RRSP, Real Estate, Index<\/td>\n Funds<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Feed, Never Withdraw <strong><\/strong>                        <\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">3. Long-term<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">10%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Vacations, cars, renovations, deductibles, big purchases<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">For large expenses foreseeable or not<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">4. Education<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">10%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Training, books, courses, coaching<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Multiply the value of other accounts<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#0d1f2d;\">5. Recess<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">10%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Restaurants, outings, gadgets, pleasures<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Must <strong>be emptied<\/strong> every month<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">6. Donation<\/td>\n        <td style=\"padding:12px 16px;text-align:center;color:#10c4c7;font-weight:700;\">5%<\/td>\n        <td style=\"padding:12px 16px;color:#334155;\">Family, organizations, causes<\/td>\n        <td style=\"padding:12px 16px;color:#334155;\">Giving with intention, never by chance<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Reference percentages (JARS method). Adapt them to your reality: a tight budget can start at 70\/5\/10\/5\/5\/5 and rebalance each quarter. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-mistakes-that-sabotage-the-system\"><\/span>The 6 mistakes that sabotage the system<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:20px;\">\n    <h3 style=\"color:#991b1b;font-size:16px;margin:0 0 8px;\">\u274c Keep a single \"versatile\" account<\/h3>\n    <p style=\"color:#7f1d1d;font-size:14px;line-height:1.6;margin:0;\">The method doesn't work in the head, it works in the accounts. Without physical separation, the brain cheats. <\/p>\n  <\/div>\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:20px;\">\n    <h3 style=\"color:#991b1b;font-size:16px;margin:0 0 8px;\">\u274c Tap the Libert\u00e9 account<\/h3>\n    <p style=\"color:#7f1d1d;font-size:14px;line-height:1.6;margin:0;\">Once opened, this account no longer has a debit card. If you pick it \"just this time\", the whole compounding effect collapses. <\/p>\n  <\/div>\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:20px;\">\n    <h3 style=\"color:#991b1b;font-size:16px;margin:0 0 8px;\">\u274c Forgetting the tax bill<\/h3>\n    <p style=\"color:#7f1d1d;font-size:14px;line-height:1.6;margin:0;\">Self-employed or employee with bonus: plan the bill in the long-term account. Otherwise, April becomes a tragedy every year. <\/p>\n  <\/div>\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:20px;\">\n    <h3 style=\"color:#991b1b;font-size:16px;margin:0 0 8px;\">\u274c Underfunding Pleasure<\/h3>\n    <p style=\"color:#7f1d1d;font-size:14px;line-height:1.6;margin:0;\">Cutting Recess to 0% works for 6 months, then explodes into a $2,000 offset purchase. It is better <strong>to authorize<\/strong> than <strong>to repress<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:20px;\">\n    <h3 style=\"color:#991b1b;font-size:16px;margin:0 0 8px;\">\u274c Protecting nothing<\/h3>\n    <p style=\"color:#7f1d1d;font-size:14px;line-height:1.6;margin:0;\">Without disability or life insurance, a serious event wipes out 5 years of Libert\u00e9 savings. The count is not enough \u2014 <strong>you need protection<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:20px;\">\n    <h3 style=\"color:#991b1b;font-size:16px;margin:0 0 8px;\">\u274c Waiting for \"the right time\"<\/h3>\n    <p style=\"color:#7f1d1d;font-size:14px;line-height:1.6;margin:0;\">At 1% of income, the system is already working. Perfection is the enemy of wealth \u2014 start with 6 sub-accounts <em>today<\/em>. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%97%EF%B8%8F-Special-Self-Employed-Workers-and-Incorporated-Entrepreneurs\"><\/span>\ud83c\udfd7\ufe0f Special Self-Employed Workers and Incorporated Entrepreneurs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>If your income comes in by turnover rather than by fixed pay, the method remains the same <em>after<\/em> the transition to the net salary. A few precise adjustments make all the difference: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcbc Pay yourself a fixed paycheque<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Your company's operating account is <strong>not<\/strong> a personal account. Decide on a monthly pay, transfer it to the 1st<sup>, then<\/sup> break it down into 6th. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83e\uddfe Revenu Qu\u00e9bec \/ CRA instalments<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Set aside ~25-30% of the net income in the long-term account before spreading the rest. Otherwise, quarterly instalments weaken everything. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfe2 Financial Freedom in Society<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If you are incorporated, a portion of the 10% Freedom can remain <strong>in the company<\/strong> (corporate investment, <a href=\"https:\/\/www.assur360.ca\/en\/universal-life-insurance-quebec-2026-protection-tax-investment\/\" style=\"color:#10c4c7;\">universal life<\/a>) rather than in a personal TFSA.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udee1\ufe0f Business Income Protection<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Without employer pay, disability = running out of fuel. <a href=\"https:\/\/www.assur360.ca\/en\/online-disability-disability-insurance-quote-protect-your-income\/\" style=\"color:#10c4c7;\">Disability salary insurance<\/a> covers this specific risk for the self-employed. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-your-6-accounts-deserve-real-protection\"><\/span>When your 6 accounts deserve real protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>The 6-account method builds wealth. But unprotected assets can collapse in 24 hours: disability, death, major disaster. This is exactly the role of an independent broker like <strong>Assur360<\/strong>.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-disability-disability-insurance-quote-protect-your-income\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udee1\ufe0f Disability salary insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">If you stop producing income, the Financial Freedom Account stops being funded. Salary insurance covers this breakdown. <\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\u23f3 Term life insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">The \"plan B\" that pays your family for what your bills haven't had time to accumulate. From $15\/month. <\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/universal-life-insurance-quebec-2026-protection-tax-investment\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcca Universal Life Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Part of your Tax-Sheltered Financial Freedom. Wealth management tool for wealthy households and incorporated entrepreneurs. <\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/pme-quebec-group-insurance-2026-employee-plan-for-2-or-more-people\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udc65 SME Group Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Do you have 2 or more employees? A group plan is deductible from the company and frees up the Personal Needs account. <\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Assur360-resources-to-help-you-with-your-plan\"><\/span>Assur360 resources to help you with your plan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/life-insurance-needs-calculator-2026-dime-method-replacement-capital\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83e\uddee Life Insurance Calculator<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How much does your family really need? 2 minutes. <\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/disability-insurance-needs-calculator-2026-optimal-waiting-period-assur360\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83e\ude7a Disability Calculator<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How many months can you go without employment income?<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/free-insurance-quiz-2026-what-insurance-do-you-need-in-quebec-assur360\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\u2753 Quiz: what insurance?<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">10 questions to identify your blind spots.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/mortgage-life-insurance-why-you-should-always-refuse-your-banks\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe6 Refusing the bank's life insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">7 reasons (and the math) that make it a bad deal.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In-Quebec-the-method-works-everywhere\"><\/span>In Quebec: the method works everywhere<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Laval<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Drummondville<\/strong> or <strong>Thetford Mines<\/strong>, the 6-account system works with any Canadian institution (Desjardins, National Bank, RBC, BMO, Tangerine, EQ Bank, Wealthsimple Cash). The percentages remain the same; only the institutions change. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why 6 accounts instead of 3 or 10?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Three accounts (life\/savings\/pleasure) do not separate <strong>the investment<\/strong> from the <strong>unforeseen buffer<\/strong>, nor the <strong>education<\/strong> from <strong>the gift<\/strong>. Ten accounts become a cognitive load. Six is the optimum found empirically by T. Harv Eker since the 90s.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the method work for a salaried employee?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Absolutely \u2014 that's where it's <em>easiest<\/em> to apply. A regular pay + direct deposit + 5 automatic transfers the next day = complete system in 30 minutes. You don't have to be in business to regain control.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do you really need 6 different physical accounts?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 but it's not 6 banks. Most Canadian banks allow <strong>5 free sub-accounts<\/strong> (Desjardins, National Bank, RBC, etc.). For the<sup>6th<\/sup> account (Libert\u00e9), a TFSA or an account with Wealthsimple\/EQ Bank opens the door to index investing.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What if my Necessities account exceeds 55% of my income?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In Quebec, many households exceed 60% because of housing. Two avenues: (1) <strong>increase<\/strong> income (overtime, promotion, services on the side); (2) <strong>reduce<\/strong> the heaviest fixed lines (renegotiate mortgages, shop around <a href=\"https:\/\/www.assur360.ca\/en\/\" style=\"color:#10c4c7;\">for car and home insurance<\/a>, cut dormant subscriptions). In the meantime, start with 70\/5\/5\/5\/10\/5 anyway \u2014 the important thing is to <em>get started<\/em>.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I integrate the TFSA\/RRSP account into the system?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The Financial Freedom Account <strong>is<\/strong> the main conduit to your TFSAs\/RRSPs. The 10% automatically goes to your broker (Wealthsimple, Disnat, IA Clarington, etc.) who invests according to your strategy. The \"Libert\u00e9\" bank account serves as a buffer zone for 1-2 months to smooth out contributions.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the Donation account mandatory?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Not mandatory, but recommended. Giving regularly, even small amounts, changes the relationship with money: we stop operating in \"lack\" mode. In addition, <strong>in Quebec and Canada, donations to registered organizations are tax deductible at about 30%,<\/strong> which partially finances your long-term donation.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the minimum percentage for the system to work?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">None. If you start at 1% per account (except Necessities), you have already <strong>installed the infrastructure<\/strong>. The system is gradually becoming the norm \u2014 and every increase in income is automatically distributed without thinking.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between Long Term and Financial Freedom?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Long-term<\/strong> = money you <em>will spend<\/em> in 6 months to 5 years (holidays, car, big purchases). <strong>Financial freedom<\/strong> = money you <strong>never<\/strong> spend, which produces passive income. One is a buffer, the other is a machine. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do you need insurance to protect these 6 accounts?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The Financial Freedom account only makes sense if <strong>you're still around to fund it<\/strong>. For most households, two types of protection are almost mandatory: <a href=\"https:\/\/www.assur360.ca\/en\/online-disability-disability-insurance-quote-protect-your-income\/\" style=\"color:#10c4c7;\">disability disability insurance<\/a> (engine breakdown) and <a href=\"https:\/\/www.assur360.ca\/en\/2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month\/\" style=\"color:#10c4c7;\">term life insurance<\/a> (plan B for the family). <strong>Assur360<\/strong> compares 30+ insurers in <strong>Quebec<\/strong>. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Pourquoi 6 comptes plut\u00f4t que 3 ou 10?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Trois comptes (vie \/ \u00e9pargne \/ plaisir) ne s\u00e9parent pas l'investissement du tampon impr\u00e9vus, ni l'\u00e9ducation de la donation. Dix comptes deviennent une charge cognitive. Six est l'optimum trouv\u00e9 empiriquement par T. Harv Eker depuis les ann\u00e9es 90.\"}},{\"@type\":\"Question\",\"name\":\"La m\u00e9thode fonctionne-t-elle pour un employ\u00e9 salari\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Absolument - c'est m\u00eame l\u00e0 qu'elle est la plus facile \u00e0 appliquer. Une paye r\u00e9guli\u00e8re, un d\u00e9p\u00f4t direct et 5 virements automatiques le lendemain donnent un syst\u00e8me complet en 30 minutes. Pas besoin d'\u00eatre en affaires pour reprendre le contr\u00f4le.\"}},{\"@type\":\"Question\",\"name\":\"Faut-il vraiment 6 comptes physiques diff\u00e9rents?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui mais ce ne sont pas 6 banques. La plupart des banques canadiennes permettent 5 sous-comptes gratuits. Pour le 6e compte (Libert\u00e9), un CELI ou un compte chez Wealthsimple\/EQ Bank ouvre la porte aux placements indiciels.\"}},{\"@type\":\"Question\",\"name\":\"Et si mon compte N\u00e9cessit\u00e9s d\u00e9passe 55 % de mes revenus?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Au Qu\u00e9bec, beaucoup de m\u00e9nages d\u00e9passent 60 % \u00e0 cause du logement. Deux pistes : augmenter le revenu (heures sup, promotion, services \u00e0 c\u00f4t\u00e9); ou r\u00e9duire les fixes les plus lourds (ren\u00e9gocier hypoth\u00e8que, magasiner les assurances, couper les abonnements). En attendant, d\u00e9marrez avec 70\/5\/5\/5\/10\/5 - l'important est de commencer.\"}},{\"@type\":\"Question\",\"name\":\"Comment int\u00e9grer le compte CELI\/REER au syst\u00e8me?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le compte Libert\u00e9 financi\u00e8re est le tuyau principal vers vos CELI\/REER. Le 10 % part automatiquement vers votre courtier qui investit selon votre strat\u00e9gie. Le compte bancaire Libert\u00e9 sert de zone tampon de 1-2 mois pour lisser les contributions.\"}},{\"@type\":\"Question\",\"name\":\"Le compte Donation est-il obligatoire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pas obligatoire, mais conseill\u00e9. Donner r\u00e9guli\u00e8rement change la relation \u00e0 l'argent. De plus, au Qu\u00e9bec et au Canada, les dons \u00e0 organismes enregistr\u00e9s sont d\u00e9ductibles d'imp\u00f4t \u00e0 environ 30 %, ce qui finance partiellement votre compte Long terme.\"}},{\"@type\":\"Question\",\"name\":\"Quel pourcentage minimum pour que le syst\u00e8me fonctionne?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aucun. Si vous d\u00e9marrez \u00e0 1 % par compte (sauf N\u00e9cessit\u00e9s), vous avez d\u00e9j\u00e0 install\u00e9 l'infrastructure. Le syst\u00e8me devient progressivement la norme et chaque hausse de revenu est automatiquement r\u00e9partie sans r\u00e9flexion.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre Long terme et Libert\u00e9 financi\u00e8re?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Long terme = argent que vous allez d\u00e9penser dans 6 mois \u00e0 5 ans (vacances, auto, gros achats). Libert\u00e9 financi\u00e8re = argent que vous ne d\u00e9pensez jamais, qui produit du revenu passif. L'un est un tampon, l'autre est une machine.\"}},{\"@type\":\"Question\",\"name\":\"Faut-il une assurance pour prot\u00e9ger ces 6 comptes?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le compte Libert\u00e9 financi\u00e8re n'a de sens que si vous \u00eates encore l\u00e0 pour l'alimenter. Pour la plupart des m\u00e9nages, deux protections sont quasi obligatoires : l'assurance salaire invalidit\u00e9 et l'assurance vie temporaire. Assur360 compare 30+ assureurs au Qu\u00e9bec.\"}}]}<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360 to protect your plan?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm (No. 2000037336)<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">+ <strong>100,000 submissions<\/strong> processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Network of <strong>13 independent firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Comparison of <strong>30+ insurers<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> broker, never tied to a bank<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">PROT\u00c9GEZ VOTRE LIBERT\u00c9 FINANCI\u00c8RE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Vos 6 comptes valent ce que valent vos protections.<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Soumission gratuite en 3 minutes pour assurance vie, salaire ou habitation. Aucun engagement.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-salaire-invalidite-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin:6px;\">Obtenir ma soumission<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;margin:6px;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Mes finances\",\"item\":\"https:\/\/www.assur360.ca\/blog\/mes-finances\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"6 comptes bancaires finances personnelles\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>The 6 bank account method (Necessities 55%, Freedom 10%, Long-term 10%, Education 10%, Recreation 10%, Donation 5%) to regain control of your personal finances in Quebec. Interactive calculator, self-assessment, FAQ and section dedicated to self-employed workers and incorporated entrepreneurs. <\/p>\n","protected":false},"author":1,"featured_media":60569,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"6 bank accounts: the method to manage your finances in 2026 | Assur360","_seopress_titles_desc":"6-account bank method (55\/10\/10\/10\/10\/5) to regain control of your finances in Quebec. Calculator, self-assessment, FAQs. Employees and entrepreneurs.  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