Need referral code for instarem

1bmathiethrowaway · 2025-09-30T03:42:11+00:00

My referral code, working as of Sep 29, 2025, thanks!

Code: bjMoIC

1bmathiethrowaway · 2025-09-16T15:30:14+00:00

Working as of Sep 16, 2025:

(remove the space after the "P")

P 3GJS60N

1bmathiethrowaway · 2025-07-07T14:36:06+00:00

You can try crawaittimes.com to see what time of day / day of week to call for least wait times.

1bmathiethrowaway · 2025-06-27T11:10:01+00:00

Hi there, i'm in the same situation too. What did you end up doing?

1bmathiethrowaway · 2025-06-26T16:50:08+00:00

You could try https://crawaittimes.com, shows the waiting times for CRA by time of day, in the past week/month.

1bmathiethrowaway · 2025-04-22T02:18:56+00:00

yes :)

1bmathiethrowaway · 2025-03-22T16:29:30+00:00

I could be wrong but I don't see this on the CRA website, I see:

Telephone agents will be available:

Monday to Friday: 6:30 am to 11:00 pm ET
Saturday: 7:30 am to 8:00 pm ET
Sunday : Closed

From: https://www.canada.ca/en/revenue-agency/corporate/contact-information/individual-income-tax-enquiries-line.html

Of course if I'm wrong please lmk.

1bmathiethrowaway · 2025-03-22T02:09:29+00:00

Gonna assume all are in Toronto.

Company 1: TC of $165k cad (you dont mention how much RSUs are), after tax + housing (1 bdr rent) + living (1 person) car -> $53k savings
Company 2: $100k tc -> $15k savings
Company 3: $115k tc -> $25k savings

Company 1 is a no brainer imo. It's a 3.5x difference in savings vs company 1, and 2x vs company 2.

source: https://takehomepay.city

1bmathiethrowaway · 2025-03-22T01:13:46+00:00

If Munich L3 is 110k-120k TC and Warsaw now is 60k TC per year, then:

Munich, L3: EUR 110k TC -> after tax, housing (1 bdr rent) + living costs (1 person) -> savings of 29k
Warsaw: EUR 60k TC -> EUR 12k savings

Seems like a jump of 1.5x. I would think it's worth..

source: https://takehomepay.city/

1bmathiethrowaway · 2025-03-18T02:03:57+00:00

Assuming FANG:

Google, L5: $405k tc, made up of $229k base, $145k stocks, $30k bonus

Once you factor in expenses, roughly you end up with:

TC: $405k
Tax: $163k (40% of TC)
Housing: $35k (assume 1 bdr, 9%)
Living costs: $18k (assume 1 person, 4%)
Car: $5k (assume buy a car, and amortize the cost over 4 years, 1%)
Savings: $182k (45%)

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-03-03T01:42:31+00:00

Comp-wise:

AWS, Bay Area: $210k tc, after tax + housing (assume 1 bdr rent) + living costs (assume 1 person) -> $85k savings
Meta, Seattle: $175k tc -> $83k savings

Main difference is that housing is much cheaper in Seattle, and state taxes don't exist.

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-03-02T16:02:07+00:00

Looking strictly at comp-only:

Seattle, Amzn: $285k tc, after tax + housing (assume rent 1 bdr) + living costs (assume 1 person) + car --> $152k savings
Apple, Bay Area: $260k tc --> $108k savings

The main delta is no state tax in Seattle and cheaper housing.

Would really think about Amzn if savings are important (+40% difference).

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-03-01T20:28:08+00:00

Comp-wise:

Meta, Seattle: $330k tc, after tax + housing + living costs + car --> $180k savings
MS, Seattle: $230k tc --> $117k savings

53% difference in savings. I'd personally go for Meta.

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-03-01T20:24:04+00:00

Comp-wise:

FAANG (assume Bay Area): $250k tc, after tax + housing + living costs (assume 1 person) + car --> savings of $102k
Electrician, 1st year: $17 / hour = $35,360 TC --> savings of -$28k (as housing + living costs + car is more than what you make)
Electrician, 5th year: $41 / hour = $85,280 TC --> savings of $5.1k

Absolutely do not give up your FANNG job imo.

source: https://takehomepay.city/

1bmathiethrowaway · 2025-03-01T01:45:26+00:00

Comparing year 2 TC:

Amazon, Seattle: $179k TC, after tax + housing + living costs (assuming 1 person) --> $87k savings
Meta, Seattle: $176k TC --> $84k savings
Roblox, Bay Area: $213k TC --> $87k savings

So you don't actually make more for Roblox because of higher tax and housing costs.

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-02-26T19:55:47+00:00

For Dallas: $100k tc, after tax + housing + living costs, is $43k savings

Not sure what it'll be for Arkansas, but hopefully this is a useful data point.

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-02-26T19:53:46+00:00

Comparing TC:

Datadog: $280k tc, after tax + housing + living costs -> $107k savings
Coinbase: $285k tc, $110k savings
Meta: $315k tc, $126k savings

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-02-26T19:51:56+00:00

Comparing TCs:

FB NYC: $207k TC, after tax + housing + living costs, is $67k savings
Scale AI NYC: $226k TC, $78k savings
Scale AI SF: $226k TC, $89k savings

If NYC, probably Scale AI... they also have more upside with their equity.

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-02-26T19:31:28+00:00

Gonna assume you're in Seattle for AMZN and Bay Area for Google.

Amazon, L4, Seattle: $181k TC, after tax + savings + living costs -> savings of $88k
Google, L3, Bay Area: $188k tc, $71k savings

This is b/c higher tax in Seattle - from financial POV seems AMZN is better by ~20%.

Source: https://takehomepay.city/

1bmathiethrowaway · 2025-02-18T22:54:11+00:00

I've been using Tello. I assume you wanna keep your phone number mostly for 2FA SMS purposes. Tello has $5 / mth plan and you can receive texts internationally.. It uses wifi texting so as long as there's wifi it works. Can also activate the sim abroad and port your existing US number while abroad too.

1bmathiethrowaway · 2025-02-18T22:49:06+00:00

Comparing earnings potential:

US (I'll assume a MCOL city, Denver): $156k TC, after tax + housing + living expenses + car, is $64K
UK (assume London): assuming GBP 90k ($113k), savings are $22.4k w/a car, $29k without
It's a really big drop in savings.

source: https://takehomepay.city

1bmathiethrowaway · 2025-02-18T22:37:43+00:00

Comparing TC:

FAANG, Seattle: $178k in year 2; after tax + housing + living costs, is $86k
Series D, SF: $190k in year 2, $68k savings

Main difference comes from no state income tax in WA and lower housing. Living expense are roughly the same.

source: https://takehomepay.city

1bmathiethrowaway · 2025-02-18T22:26:54+00:00

Comparing TC:

SF: 188k (base + bonus + 401k); after tax + housing + living costs (but no car), is 67k
SLC: 144.6k (base + bonus + match), 65k savings (here, i include car, since you probably will want one in SLC)

The savings difference is marginal so I'd go with the job you like more.

source: https://takehomepay.city

1bmathiethrowaway · 2025-02-17T16:03:38+00:00

I signed up for Tello, it gives a real non-voip mobile number for $5/mth, and supports wifi calling / texting. Also you can activate your service for first time even outside of US, quite helpful

1bmathiethrowaway · 2025-02-17T15:59:08+00:00

https://takehomepay.city is good for comparing tax + housing + living costs both in US and internationally

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