@foundlostsoul Even if you wasted time and money seeing an accountant you would still have at best $400, so your only option is to get a job and maybe put your money into something you can't access like GIC.
@maggie123 BMO has the best commission free etf list, then is Scotia. After that CIBC has cheaper trades with $7 vs $10 for td/rbc. I would go BMO or Scotia for free etf trades.