As shown in the video

Nobody tells you. SAVE $6,000$6,000$5,000 in the next 12 months

For Canadians 65+ on CPP or OAS. Not just low incomes.For Americans 65+ on Medicare. Not just low incomes.

US EditionCanadian Edition

2321 moves, exact words
Forms: T1032, T1-ADJ and dates named
Large print, at home

C$7,043$6,942$5,742Our worked example, 12 monthsOur worked example, 12 months

$47Once · US dollars

Earn it back in your first month. Or get every penny back.

Get the Manual · $47 →

Start where you are

Which household is yours?

Tap yours. It shows where you start in the manual, and what the same moves were worth to our worked example.

Married, and one of us gets most of the pension Start at Move 1, the late pension split. Our example couple: C$3,190 back once (the CRA decides), then C$1,182 every year.

Say first · Move 1, page 27

“We didn’t split our pension income for 2023, 2024 or 2025. Please redo each year with the best split on Form T1032. We will both sign.”

Mail it by November 30 so all three years can come back within 12 months. The CRA decides whether to accept it.

The 2023 split must reach the CRA by April 30, 2027. The CRA decides whether to accept it.

Married, and our pensions are about even Start at Move 7, your savings rate. Without the two split moves, our example couple still keeps C$2,671 in 12 months, about C$101 a month from the five quickest moves.

Say first · Move 7, page 54

“I have about ____ in my savings account. What rate is it earning today, exactly?”

At the six big banks, the usual posted rate on ordinary savings is 0.01%. The same banks post 2.45% on a one-year GIC.

I live alone Start at Move 7. Your phone line, internet and TV package alone: about C$539 a year at our example’s prices. Plus your own savings rate, and in Ontario up to C$1,000 toward hearing aids.

How your number is worked out

One phone line: (C$51 − C$40) × 12 = C$132. Internet: C$240 and the TV package: C$167, because those bills are per home. Every Save move has a “Live alone?” line with the one-person figure.

Moves 1 to 3 need a spouse or partner, so you skip them.

We’re a married couple Start this week with Move 1, the drug-plan letter already in your mailbox (act by December 7). Our example couple: $6,942$5,742 in 12 months, about $99 a month from four quick bills.

The first month

Same phones, same towers, lower plan: $29 a month. The cable fees that aren’t taxes: $20. The FCC internet price label: $15. Same brands, a third cheaper: $35.

I live alone Every Save move shows the one-person figure. Bills charged per home are the same as a couple’s: $240 in cable fees, $180 on internet, the $115 property-tax cap.

A few one-person numbers

One phone line: $175 a year. Hearing aids: the same $2,820 on one pair. Your drug plan: $600 a year.

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Not a summary. The real thing.

Every move is written out, word for word.

Move 1, US Edition, as printed in the book.

Move 1, Canadian Edition, as printed in the book.

Move 1, exactly as printed. Tap the page to read it full size.

The official rule and the deadline
Who to call, and the exact words to say
The line for when they push back
The catch, and a page to write down who you spoke to

Check it yourself on canada.ca: Form T1032 · Form T1-ADJ. Every figure in the manual names its official source, checked October 2026.

Every figure in the manual names its official source, checked October 2026.

The first month

The quickest moves start paying on your very next bills.

Same phones, same towers, lower plan$29/mo
The cable fees that aren’t taxes$20/mo
The FCC internet price label$15/mo
Same brands, a third cheaper$35/mo
Every month$99

Savings off 0.01%, same bankC$27/mo
Same network, cheaper brandC$22/mo
The internet price already advertisedC$20/mo
The C$25 TV packageC$14/mo
The 100-day prescription fillC$18/mo
Every monthC$101

That is the Manual paid for in month one. And the December 7 drug-plan window closes on its own schedule: miss it, and it waits a full year.And the late pension split needs the forms in the mail by November 30, 2026 for all three refunds to arrive within 12 months. The CRA decides whether to accept it.

The Guarantee

Earn the $47 back in your first month. Or get every penny back.

Use the manual for 30 days. If it hasn’t shown you how to earn back the $47, or for any reason at all, email [email protected] from the email you paid with, and you get every penny back. No reason needed. No questions asked.

What happens after you pay

The button opens a secure checkout. It shows US$33, which is C$47, tax included. It shows $47, tax included. It asks for your billing address, a bank rule for card payments.
A download button appears right away, and an email with your link follows within minutes. Keep that email.
Open Start Here: the three calls to make this week. Print it at home, or read it on any screen.

Can’t find it, or stuck on a step? Write to [email protected]. A person answers.

The late pension split needs to be in the mail by November 30.The CRA’s limit for the 2023 pension split is April 30, 2027.The Medicare drug-plan window closes December 7.The quickest moves pay on your very next bills.

That way all three years can come back within 12 months. The CRA decides whether to accept it. Nobody will call to remind you.Nobody will call to remind you.Miss it, and it waits a full year. Nobody will call to remind you.Nobody will call to remind you.

Be the one in your house who has it on paper.

Get the Manual · $47 →

Earn it back in your first month. Or get every penny back.

Straight answers

Before you ask.

Why $47, when other guides cost $17 to $27?: Because it’s built to pay you back many times over: our worked example couple kept C$7,043$6,942$5,742 in 12 months. Free advice tells you a program exists. This gives you 2123 moves with the form, the deadline, who to call and the exact words to say. If it hasn’t paid you back in 30 days, you get every penny back.
Is it only for low-income seniors?: No. Most moves have no income test. Help that depends on income has its own section, and we never count it in our totals.
Does it work in my province?: Most moves are federal and work in every province. Three are Ontario programs, clearly marked, each with what BC, Alberta and Quebec offer instead.
Does it work in my state?: Most moves work in every state. Where a rule depends on your state, the move says so and gives you the exact question to ask.
I live alone. Is it still worth it?: Moves 1 to 3 need a spouse, so you start at Move 7. Every Save move shows what it’s worth for one person.
The video was free. Why pay?: The video tells you what exists. The manual gives you the form, the deadline, who to call, the exact words to say, and a page to write down who you spoke to.
Is the price in Canadian dollars?: C$47 total, tax included. Our checkout bills in US dollars, so it shows US$33, which is C$47. Your bank converts it; some cards add a small foreign-purchase fee.
I’d rather have it on paper.: Large 18-point print. It prints at home on ordinary letter paper, or at a library. Take the pages to your tax preparer.
What happens after I pay?: A download button right away, and an email with your link. Can’t find it? Write to [email protected] and a person answers.
Is it up to date?: Every figure was checked against official sources in October 2026, with the source on the page. The January 2027 update is free.
Will anyone call me or sell me more?: No. One payment. No subscription. No phone calls.
What if it isn’t right for me?: Email us within 30 days for every penny back. No reason needed.
Who is Gord Wallace?: Gord Wallace is the digital presenter of our videos, made with AI. The manual is written by The Home Front research desk, and every figure names its official source.

The Manual

One manual. Twenty-three moves. Six thousand dollars in the next 12 months.One manual. Twenty-one moves. Six thousand dollars in the next 12 months.

Medicare, taxes, insurance, hearing aids, groceries, phone, TV and internet. Twelve moves to save, eleven to protect what you keep. Each one with the official rule, the deadline and the step-by-step. Start this week with a letter that is already in your mailbox.Pensions, taxes, prescriptions, hearing aids, savings, phone, TV and internet. Ten moves to save, eleven to protect what you keep. Each one with the official rule, the deadline and the step-by-step. Start this week with your last three tax returns.

Large-print ebook · 140 pages · 2026–2027 EditionLarge-print ebook · 133 pages · 2026–2027 Edition

The playbook behind our example couple’s $6,942$5,742.The playbook behind our example couple’s C$7,043.

The December 7 drug-plan window. The Medigap birthday window. The 2022 hearing-aid rule. The new-customer re-rate. The state’s own insurance price list. The cable fees that aren’t taxes. The FCC price label. Free tax filing at 60+. The property-tax cap you have to apply for.The late pension split (the CRA decides whether to accept it). Pension splitting every year. Medical bills on the right return. Ontario’s hearing-aid help. The 100-day fill. Your drug deductible, paid back. The 0.01% savings trap. The cheaper brand on the same network. The C$25 TV package. Every rule checked against official sources in October 2026, with exactly what to do. Earn the $47 back inside your first month.

What’s inside:

The Home Front Manual — 140-page large-print ebook, 23 numbered moves: 12 to save, 11 to protect what you keep133-page large-print ebook, 21 numbered moves: 10 to save, 11 to protect what you keep, in Canadian dollars
For every move — the official rule, the deadline, who to call, the exact words to say, the line for when they push back, the catch, and a page to write down who you spoke to
Start Here — the first calls to make this week, the ones that pay the $47 back fastest
The 20-Minute Worksheet, every phone script on one page and the Deadline Calendar
The Family Workbook — 20 fillable pages: medication lists, accounts map, emergency plan and the Fridge Sheet
Free updates — every figure checked against official sources in October 2026; the January 2027 refresh comes at no extra charge
One payment$47

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Secure checkout · Visa · Mastercard · 30-day refund

II.

The Math

Where the $6,942 comes from.Where the $5,742 comes from.Where the C$7,043 comes from.

Pull up your last 12 months of bills and follow along. This is our example couple: retired in Maryland, both 68, on Original Medicare.This is our example couple: retired in Ontario, both 68, one of them with most of the workplace pension. Every line comes straight from the manual’s Ledger.

The December 7 drug-plan windowEvery year$1,200
The Medigap birthday windowEvery year$353
The 2022 hearing-aid ruleOne time · one pair$2,820
The car-insurance new-customer re-rateEvery year$461
The state’s own home-insurance price listEvery year$400
Same phones, same towers, lower planEvery year$350
The cable fees that aren’t taxesEvery year$240
The FCC internet price labelEvery year$180
Free tax filing at 60+Every year$220
The property-tax cap you apply forYear one$115
Same brands, a third cheaperEvery year$421
The federal warranty ruleEvery year$182
The next 12 months$6,942
The next 12 months$5,742

The late pension split, 2023–2025One time · the CRA decidesC$3,190
Pension splitting every yearEvery yearC$1,182
Medical bills on the right returnEvery yearC$265
Ontario’s hearing-aid helpOne timeC$1,000
The 100-day prescription fillEvery yearC$210
Your drug deductible, paid backEvery yearC$200
Savings off 0.01%, same bankEvery yearC$325
Same network, cheaper brandEvery yearC$264
The internet price already advertisedEvery yearC$240
The C$25 TV packageEvery yearC$167
The next 12 monthsC$7,043

Every number has a move in the Manual, with the official source and the steps.

$6,942$5,742C$7,043The first 12 months

$47The Manual, once

Get the Manual · $47 →

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III.

Why you never heard of it

The rules already set money aside for you. Almost nobody tells you it’s there.

No one calls you when a window opens. Windows open once a year, rules change quietly, credits wait for you to apply, and deadlines close without a reminder.

A 30-day window opens on your birthday. In Maryland it lets you keep the exact same Medigap coverage for less, with no health questions.$353 a year for our example couple
Since 2022, a federal rule lets adults buy hearing aids off the shelf, without the clinic price. Most people still don’t know.$2,820 on one pair
A letter that arrived by September 30 shows whether your drug plan costs more on January 1. After December 7, it’s too late to act for 2027.$1,200 a year for our example couple
Maryland’s property-tax cap is not automatic. If you never applied, you aren’t getting it, and it grows every year.

Couples who missed pension splitting may be able to go back three years. The CRA decides whether to accept it.C$3,190 for our example couple
Ontario pays up to C$1,000 toward hearing aids, but only if the steps happen in the right order. Buy first, and you get nothing.
The six big banks post 0.01% on ordinary savings and 2.45% on a one-year GIC, at the same counter.C$325 a year for our example couple
The rules cap a basic TV package at C$25 a month. The average subscriber pays C$58.90.C$167 a year for our example couple

Nobody makes money telling you. Companies have no reason to point you to a cheaper option, and no government office calls when a window opens. It’s all public, buried in rate guides, federal rules and agency fine print.

So we dug through it for you.

IV.

Inside the Manual

A few of the things you’ll find.

p. 28The one letter that tells you whether your drug plan is about to cost you more next year, and the date after which it’s too late to act.
p. 32The yearly “birthday window”: the same Medigap coverage for $353 less, with no health questions asked.
p. 37The 2022 federal rule most people still don’t know about, worth $2,820 on one pair, plus the four red flags that mean see a doctor first.
p. 41Why 20 years with one insurer can cost you more, and the one request that asks for the price a new customer would get.
p. 45The state’s own price list showing one insurer charging 5.6 times another for the identical home policy.
p. 53The “Broadcast TV fee” that looks like a tax but isn’t. On one Maryland bill it’s $30.25 a month.
p. 61Free tax filing aimed at people 60 and older, with no income test.
p. 72The federal law that says the dealer can’t void your warranty because routine service was done somewhere else.
Part TwoEleven moves that guard what you keep: how a couple can keep $500,000 at one bank fully insured, the beneficiary form that overrides your will, the free credit freeze, six questions before you buy gold, and the family code word that is said, never written.

p. 27Three missed years of pension splitting you may be able to claim now. C$3,190 for our example couple. The CRA decides whether to accept it.
p. 28Why “just change it online” is the wrong answer, and the form that goes by mail instead.
p. 32Pension splitting every year from now on: C$1,182 a year for our example couple.
p. 42Ontario’s up-to-C$1,000 hearing-aid help, and the one mistake that makes it pay nothing.
p. 46The 100-day fill: two-thirds fewer pharmacy fees on the same medicines.
p. 54Your bank pays 0.01%. The same-counter move worth C$325 a year to our example couple, still CDIC-insured.
p. 66The C$25 TV package the rules require your provider to offer.
Part TwoEleven moves that guard what you keep: the C$100,000 line and the nine CDIC categories, the beneficiary form that overrides your will, freezing or locking your credit, six questions before you buy gold, and the family code word that is said, never written.

Get the Manual · $47 →

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VI.

Questions

Before you order.

How do I get it? I’m not good with computers.

Right after you pay, you can download it, and an email with your link arrives too. Keep that email. It opens on any phone, tablet or computer; spread two fingers on the screen to make the print bigger. Prefer paper? Print it at home on ordinary Letter paper, or at a library or print shop. Nothing comes in the mail.

Can’t find the email? Look in spam or junk first. Still nothing? Write to [email protected] from the email you paid with. A person answers and sends your link again.

Why does the checkout ask for my address?

Card payments need a billing address; it’s a bank rule, and it helps stop card fraud. We don’t mail you anything, and we don’t call you.

Isn’t this information free online?

The rules are public. But they’re scattered across dozens of agency websites, rate guides and federal filings, and none of them tells you which ones matter for a retired household, the deadline, or the catch. The manual puts it all in one place, in order, checked October 2026.

Do I have to give anything up?

No. Same doctor, same brands, same phone, same channels. You keep what you have and stop overpaying for it.

Can my wife or husband use it too?

Yes. One purchase covers your household. Many moves work best done together, and the Family Workbook is made to fill in side by side.

I’m on Medicare Advantage. Is this for me?

Yes. The manual shows Advantage members how to get the same free total-cost check on their plan, and most of the money moves have nothing to do with your Medicare plan at all: insurance, taxes, phones, TV, internet, groceries and car service.

I don’t live in MarylandOntario.

Most moves work in every state. Where a rule depends on your state, the move carries an “In other states” box with what we confirmed, or the exact question to ask.

Most moves work in every province. The tax moves (1 to 3) are federal rules; our dollar figures use federal and Ontario tax rates, so yours will differ. Three moves are Ontario programs (hearing aids, the 100-day fill, the drug deductible). Each has an “In other provinces” box with what we confirmed for BC, Alberta and Quebec, or the exact question to ask your province.

I don’t live in the US or Canada.

Then this manual isn’t for you. Every move is written for US or Canadian rules and deadlines.

Is this financial advice?

No. It’s education: the official rule, the deadline and the free helper for each move. The decision stays yours.

I heard a different price in an older video.

Older videos describe our First Edition. This Second Edition replaces it, with new, deeper moves and a rebuilt Family Workbook. The price is $47, one payment.

Nobody tells you. SAVE $6,000$6,000$5,000 in the next 12 months

Which household is yours?

Every move is written out, word for word.

The quickest moves start paying on your very next bills.

Earn the $47 back in your first month. Or get every penny back.

What happens after you pay

The late pension split needs to be in the mail by November 30.The CRA’s limit for the 2023 pension split is April 30, 2027.The Medicare drug-plan window closes December 7.The quickest moves pay on your very next bills.

Before you ask.

Who it’s for. And who it isn’t.

It’s for you if

It’s worth less to you if

One manual. Twenty-three moves. Six thousand dollars in the next 12 months.One manual. Twenty-one moves. Six thousand dollars in the next 12 months.

The playbook behind our example couple’s $6,942$5,742.The playbook behind our example couple’s C$7,043.

Where the $6,942 comes from.Where the $5,742 comes from.Where the C$7,043 comes from.

The rules already set money aside for you. Almost nobody tells you it’s there.

What people did with the manual.

A few of the things you’ll find.

Before you order.

Nobody will call to remind you. The deadlines won’t wait.