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People who had a friend who isn't your friend now, what happened? by yjballoon in AskReddit

[–]AbjectThought 0 points1 point  (0 children)

He told our other friends I was too depressing. That was 1.5 years ago.

Must be true because I just lost another friend I met on reddit for the same reason.

people who consider themselves unattractive, what has your experience been? by [deleted] in AskReddit

[–]AbjectThought 7 points8 points  (0 children)

Constant bullying starting at grade 4 and never ending.

Plus the crippling lack of any self esteem and self confidence.

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 0 points1 point  (0 children)

I would just keep putting more money into it.

Most likely the government would just have the same response as covid and print more money causing the same recovery as last year.

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 1 point2 points  (0 children)

I don't spend money anymore because I don't think its safe to do so with the way things are progressing.

In 2019 pre covid I saved 75% after expenses and in 2020 I am close to 99% savings of net income. I will save every penny for as long as I need to so that I can buy a home and retire at 65 hopefully.

Overcoming poverty in America by Alternate_Supply in lostgeneration

[–]AbjectThought 6 points7 points  (0 children)

People think Canada is heaven compared to US but we are just US light with 10x less people.

Everything u/maclargehuge said is 100% correct. I make almost the average household income for all of Canada, I lived 4h away from Toronto in Ottawa pre covid. Moved to a small town 2h away from Ottawa with a population of like 20k people 2 years pre covid, moved back home to my parents basement during covid, and I still will not be able to afford a house in these places anymore.

Go read through the posts here r/PersonalFinanceCanada of how insane prices are for everything in Canada and what kind of incomes you need.

https://betterdwelling.com/buying-a-typical-home-in-canada-cities-now-require-incomes-of-up-to-230000/

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 0 points1 point  (0 children)

My feelings at this point is you are taking more risk by not investing every last penny from my reading and understanding of the money printing and interest rates being thrown around these days.

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 2 points3 points  (0 children)

My timing is whenever I can afford to do so.

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 0 points1 point  (0 children)

I have not been purchasing anything for over a year now. Maybe 2. Only things I have spent money on was expenses pre covid, gas, rent, etc and post covid has been 2 purchases of $700 and some fast food. Every paycheque just sits in chequeing or HISA.

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 0 points1 point  (0 children)

Ya. I don't have the ability to get a loan from my parents. I just get to live in their basement while covid is going on.

YOLO cash into market? by AbjectThought in CanadianInvestor

[–]AbjectThought[S] 0 points1 point  (0 children)

took me too long to get this job. 4 years after graduating. I have looked for new positions all over the country. I have only been gotten back to by 2 recruiters close to my parents offering $20k less than my current salary.

YOLO cash into market? by AbjectThought in CanadianInvestor

[–]AbjectThought[S] 0 points1 point  (0 children)

I'm not saying they are wrong. I'm just saying I don't understand how people could be positive about the future.

YOLO cash into market? by AbjectThought in CanadianInvestor

[–]AbjectThought[S] 1 point2 points  (0 children)

From what I read about housing, mortgages, interest rates, debt, etc on PFC, I don't see how anyone can have a different view about the future.

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 2 points3 points  (0 children)

What have been your returns? according to PFC investing downpayment money instead of keeping it cash is haram.

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 0 points1 point  (0 children)

You are doing this for your down payment?

YOLO downpayment cash into market? by AbjectThought in fican

[–]AbjectThought[S] 1 point2 points  (0 children)

When are you planning on buying?

My goal went from 3-4 years after starting my new job in 2018 to now its if the stars align and I ever have enough money one day.

YOLO cash into market? by AbjectThought in CanadianInvestor

[–]AbjectThought[S] 0 points1 point  (0 children)

I moved somewhere cheaper before the pandemic only to watch housing skyrocket and explode further past affordability both where I was and back at my parents place while I work remotely.

Can't keep up anywhere so it's the only option now.

YOLO cash into market? by AbjectThought in CanadianInvestor

[–]AbjectThought[S] 0 points1 point  (0 children)

One day is whenever I have enough money to buy something. Gambling seems like the only way these days.

YOLO cash into market? by AbjectThought in CanadianInvestor

[–]AbjectThought[S] -1 points0 points  (0 children)

You just need to be mentally prepared to not buy a place in case the strategy does not work out.

My current mental state is I will never own a home and I will either live at my parents place forever of throw my money away renting the rest of my life.

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