{"id":125,"date":"2026-11-03T10:00:00","date_gmt":"2026-11-03T10:00:00","guid":{"rendered":"https:\/\/blogs.room-vu.com\/kbhanna-com\/?p=125"},"modified":"2026-11-03T10:00:00","modified_gmt":"2026-11-03T10:00:00","slug":"nearly-1-in-5-canadians-would-pause-retirement-savings-to-buy-a-home-but-the-fhsa-and-hbp-offer-a-better-path","status":"publish","type":"post","link":"https:\/\/www.kbhanna.com\/blog\/2026\/11\/03\/nearly-1-in-5-canadians-would-pause-retirement-savings-to-buy-a-home-but-the-fhsa-and-hbp-offer-a-better-path\/","title":{"rendered":"Nearly 1 in 5 Canadians would pause retirement savings to buy a home \u2014 but the FHSA and HBP offer a better path"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Nearly 20% of Canadians would delay retirement savings to afford a home, though this can harm long-term growth and increase taxes. First-time buyers can use two federal programs: the FHSA, allowing tax-deductible contributions up to $40,000, and the HBP, permitting tax-free RRSP withdrawals up to $60,000 repayable over 15 years. Buyers should prioritize FHSA contributions, maintain employer RRSP matches, and consider market conditions before pausing retirement savings.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/ca.finance.yahoo.com\/news\/nearly-1-5-canadians-pause-130000386.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Nearly 20% of Canadians would delay retirement savings to afford a home, though this can harm long-term growth and increase taxes. First-time buyers can use two federal programs: the FHSA, allowing tax-deductible contributions up to $40,000, and the HBP, permitting tax-free RRSP withdrawals up to $60,000 repayable over 15 years. Buyers should prioritize FHSA contributions, [&hellip;]<\/p>\n","protected":false},"author":206,"featured_media":126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts\/125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/users\/206"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/comments?post=125"}],"version-history":[{"count":1,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts\/125\/revisions"}],"predecessor-version":[{"id":127,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts\/125\/revisions\/127"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/media\/126"}],"wp:attachment":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/media?parent=125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/categories?post=125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/tags?post=125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}