Most of us grew up hearing the same money advice: “Save for a rainy day,” “Don’t take on too much debt,” or “Work hard and you’ll be fine.” While well-meaning, these lessons often left out the bigger picture of how real wealth is actually built in Canada today. The truth is, wealth isn’t just about saving every penny — it’s about making your money work harder than you do. From leveraging smart debt to investing in real estate and understanding tax advantages, there are strate