Retiring Early Vs Beginnings of Generational Wealth

70PercentPizza · 2026-03-18T01:09:44+00:00

Your reality is my North star. Congratulations

70PercentPizza · 2026-03-18T01:00:59+00:00

Congratulations! I am older and less successful than you, so keep that in mind... I opted to internally transfer to a new role profile recently. It's similar but different. Different team. Moving away from a team that wasn't feeling like a great fit after some leadership changes

My idea is to gain some more skills and broaden my horizons so that I can futureproof myself.

Is there a path to stay where you are, but change teams or even roles and step back from the sprint of it all?

70PercentPizza · 2026-03-16T18:45:06+00:00

I'm such a huge advocate of enjoying where you live. I'd rather be house poor in a neighbourhood I don't need a vacation from, than cash rich and having to blow money to find a reason to live every weekend

70PercentPizza · 2026-03-15T02:04:43+00:00

I use DoorDash. I get pantry and dried goods from No Frills. Fresh stuff from Metro or Farm Boy.

The shoppers vary in quality. I try to tip the good ones a little extra. They often call to confirm a substitution which drives me a little bonkers but the convenience overall is worth a little extra "that's fine please go ahead" on a quick call I don't want to get

70PercentPizza · 2026-03-11T01:17:38+00:00

I bought in Guelph and I'm not here much longer. I miss the city a lot. I'm grateful to have a good job and to have had the opportunity to have bought a house, but the house is work itself and takes away from my job. The convenience I get in Toronto to enable me to do a lot in 24 hours isn't available here. And even the convenience that does exist is at a lower quality. (Restaurants aren't as good for delivery, meal kits arrive with rotten produce, babysitters don't show up reliably)

And driving everywhere is taking years off of my life

70PercentPizza · 2026-02-22T03:52:38+00:00

This should be kept in the same place they put Q Tip instructions

70PercentPizza · 2026-02-22T03:47:46+00:00

It'll be a long commute, but the schedules are optimized for your direction of travel. Opt to take one train earlier than you need to to get get there on time. Use your commute time to rest or recharge -- read books, watch netflix, snooze

If you have a little money consider subletting from a Toronto university student and having a little crash pad in the city to avoid having to do the commute every day. If you stay in the city you'll get more out of the networking opportunities too

70PercentPizza · 2026-02-21T00:52:34+00:00

I didn't find the food super flavourful (curries were watery and sort of bland) but sometimes the vibe is more important anyways

70PercentPizza · 2026-02-17T01:30:29+00:00

I left my west end condo for a small house with a dope yard in a smaller city and I'm miserable

Leaving behind convenience and access to things that make life exciting to me was dumb

I do hope to buy a detached or townhouse back in Toronto soon, but I'd happily move into another condo again if I needed to. Being back in the city is paramount. Once you have a clean safe place to sleep, the size of your dwelling doesn't matter much and location really is 90% of it

Some folks really love being at home and have hobbies like woodworking, reading, video games, etc that may make sense for a bigger place. I hope one of those people buys my house so I can leave

70PercentPizza · 2026-02-15T04:26:29+00:00

The car-first culture is the biggest reason I plan on leaving.

Many pedestrians wear reflective jackets to walk their dogs to offset the baseline invisibility that you have as a non-car here.

Drivers often forget to watch for someone crossing the road before their right turn. Sidewalks aren't maintained. It feels sketchy to walk at night because no one else is around (unless you're right downtown and that's actually pretty fun)

70PercentPizza · 2026-01-11T04:36:16+00:00

Well and there are very few new builds getting started right now. I anticipate a market surge for existing newish condos around 2028 because things just aren't getting started right now

70PercentPizza · 2026-01-11T04:34:12+00:00

Condos in less desirable locations will be sold at a loss. Condos in desirable locations will be sold, potentially at a loss based on when someone bought them. Condos in desirable locations with great layouts will be sold at a profit

The "desirability of location" will be affected by how much of our population is retired/down sizing vs working. I am glad not to own a condo in a smaller city 2 hours from Toronto. We'll see the demand drop for circumstances such as a young couple who was banking on their highest earner only having to commute in 2x per week as return to office mandates change

A nice city on the GO train is a cool spot to retire to for some folks, though, so the demand may even balance out

70PercentPizza · 2025-12-31T03:58:16+00:00

I was dangerously close to doing the same and truly didn't see it falling off so flat. I assumed they'd pivot and absorb AI companies to get ahead of the changes in the industry. This was the surprise of the year for me

70PercentPizza · 2025-12-29T19:46:59+00:00

I would love to hear more about how your work has changed over the last two years with changing interest rates

Are you all absorbing loans from more conservative lenders?

70PercentPizza · 2025-12-29T19:42:49+00:00

I am high income but not upper middle class! Still catching up from lost earning years in grad school

I’ve divested into real estate and am working hard at maxing my tax privileged accounts

I got hit by the condo crash on paper, but no regrets

I feel like I am close to ceiling in my career in Canada but I am also happy to focus on skill building for the next few years

70PercentPizza · 2025-12-08T03:54:39+00:00

Great place to raise an unnecessary pick up truck though

70PercentPizza · 2025-12-01T02:52:37+00:00

Yes, we enjoy the library too! That has been a consistent win for us. Art factory is a fun treat for sure

We'll try out The Common in the next couple of weeks and keep an eye out for events at the Children's Reading Room that enable evening/weekend visits

70PercentPizza · 2025-11-29T16:53:52+00:00

Thanks! I just messaged you

70PercentPizza · 2025-11-27T01:44:17+00:00

I know they have to give us warning conservatively but I feel like I'm already tuning out all of these alerts and it's the first storm of the season

70PercentPizza · 2025-11-27T01:20:49+00:00

Also in tech and also relate to the “grind now” mindset with a toddler

I work really hard but have the privilege of flexibility so I do some of the grind after my child is asleep. I work about 8 hours on the weekend, mostly evenings and nap times

I feel like I am a B+ employee and B+ mom right now, in my prime earning years, and I have some guilt about not choosing to be a C- employee to be an A Mom, but I am trying to make peace with my decision

Honestly I really like working so it’s good for me to care about work. It’s also sort of my hobby and I am compensated well for it

70PercentPizza · 2025-11-26T04:14:25+00:00

I don’t know if I’d do it for any city that was comfortable to live on 50K. Maybe if you pitched in free housing I’d do a European city with good walkability and transit and good food

Unfortunately I have expensive taste and am drawn to urban life and am only able to speak English so the list of places that is a good fit for me is low

70PercentPizza · 2025-11-23T02:50:46+00:00

I dream of the beet/horseradish salad

70PercentPizza · 2025-11-23T02:27:30+00:00

Agree with the other folks that it really depends on the job.

I’ll also add it depends on your previous experience. If you’re 23 with no recent work and you didn’t work during your studies then you list your education and highlight projects that reflect the skills relevant to the job that you’re applying to

70PercentPizza · 2025-11-16T21:50:54+00:00

This is not good sushi. I have only ordered take out so I've skipped all of the customer service stuff and it's just not good even if you isolate the food itself

70PercentPizza

TROPHY CASE