The Samsara finding in section 03 is a thinking tool regardless of whether you ever own a listed share. Those plans fix a share count; the dollars are whatever the market makes of it. That removes the decision from the moment you would most want to make it badly.

The private-company equivalent is pre-deciding, in writing and in advance of the quarter, the salary-versus-dividend split, the monthly amount moved to the corporate investment account, and the personal RRSP and TFSA contributions — as fixed amounts, not as whatever is left over once you have seen how the quarter went. For 2026 the TFSA annual limit is $7,000 and the RRSP limit is 18% of prior-year earned income to the annual dollar maximum. Set the number once a year; stop re-deciding it twelve times.