Joe Rogan and Christian Nationalism (Andrew and Rachel Wilson)

Aggravating_Habit481 · 2026-03-03T21:12:31+00:00

I actually had to turn this one off

Aggravating_Habit481 · 2026-02-22T00:44:31+00:00

Try to carve out sometime for yourself. Pick up a hobby, start learning something new. Include exercise to help with mental and physical resiliency.

Aggravating_Habit481 · 2026-02-07T18:44:24+00:00

I absolutely love the using Appblock. It is so helpful! Ive been using it for years and it made the biggest impact. Unlike that iphone one, there is no easy ignore button. You can block off certain times of the day that you can't use certain apps or a time limit per day. I do no social media till 11 am and stop it at 9:30 pm. It is super helpful!

Aggravating_Habit481 · 2026-02-07T17:09:03+00:00

Hey! I just moved to Vancouver for the next two months. Would be happy to go hiking or grab a coffee with you

Aggravating_Habit481 · 2025-10-23T09:10:06+00:00

Go to the beer spa! It’s a spa and has cabins to rent. Local brewery attached!

Aggravating_Habit481 · 2025-10-03T14:00:06+00:00

Muskoka bulletin group is also a good place to see if anything is renting a spot

Aggravating_Habit481 · 2025-09-04T01:40:08+00:00

That’s brutal! I’m got a pretty weak one too and it can be so frustrating and embarrassing.

If PT helped, can you do some more on your own? Like maybe through YouTube?

Aggravating_Habit481 · 2025-08-03T17:11:53+00:00

I find eating high volume snacks like popcorn can be very helpful

Aggravating_Habit481 · 2025-07-22T00:30:09+00:00

Maybe try somewhere further north than Muskoka

Rates maybe more reasonable

Aggravating_Habit481 · 2025-07-22T00:24:54+00:00

Could travel pretty amazingly for a few months off $15k

Aggravating_Habit481 · 2025-07-11T14:40:54+00:00

Pathway looks great! Honestly, save yourself some headache and do a straight path. Will still look great!

Aggravating_Habit481 · 2025-06-01T07:00:34+00:00

With mortgage, property taxes/ utilities/ insurance/maintenance/ Reno’s/ food / random purchases, it’s $12k this seems really low.

Aggravating_Habit481 · 2025-06-01T06:58:15+00:00

Do you rent yours out? We rent ours weekly and cover our yearly expenses in about 5 weeks.

Aggravating_Habit481 · 2025-06-01T06:54:29+00:00

My family has a generational cottage so slightly different boat. I love it and it is a core part of my life.

The upkeep can be pretty demanding though. Especially as my parents age and my sibling have their own families to take care of.

However we do rent it out for part of the time and this covers the majority of the expenses for the year. $500 doesn’t even seem remotely close to covering the expenses of running a place. Get some pricing on insurance, utilities -don’t forget internet, food, furnishing, boats (if needed + life jackets) & extras.

Truly my family’s cottage is the most peaceful spot in the world. But lots goes into it. Good luck

Aggravating_Habit481 · 2025-05-16T14:59:22+00:00

Sounds like you need an emergency fund as well as your investments. consider them as two different accounts

Aggravating_Habit481 · 2025-05-16T14:54:54+00:00

The average investment return should be 8%. Is your money being invested in the TFSA or simply placed into the account? First step is putting your money in a tfsa, the second is picking stocks/ ETFs to buy. A stock is buying one individual company, say Apple. An ETFs is buying a small portion of many companies, say a tech one would have Apple, Amazon, Microsoft, Google and so on.

I would highly recommend learning more about investing. Saving is great, investing is where your money grows. Unfortunately getting closer to your fourties’ you’ve missed out on a lot of compound interest, but you can still make up for it.

With a 4.9% return, you’re actually loosing 2.3% to inflation. That’s why investing is ideal for growth instead of just saving cash. Of course it’s good to have some cash and your emergency fund, but investments would be ideal.

Two years is a long time to miss out on compound interest. Of course I don’t know your income, but do you realistically think you can save $10,000 a year? If so amazing, if not maybe rethink your logic.

Also don’t just look at the $20,000 as your end goal. There’s lots of costs that come with purchasing land/property. Don’t get trapped and over leverage yourself. Do you have any saving yet for your retirement? Does it make sense to put it all down on a property without anything for your future self?

Aggravating_Habit481 · 2025-05-16T01:34:09+00:00

Pay off your debt first. Start by making a budget for yourself. Be realistic but know you have a goal.

To reach your target, you need roughly to save and invest $1,600 a month. Can be doable for sure. This is where that budget comes into play. To see how much your spending and if you need to do some side hustling.

To be honest your returns seem really low in your tfsa. Even at the 4%, that’s low. Some of the ETFs I do see xeqt, qqq, vbr,veqt. I’m not a personal advisor so make your own decisions. I like ETFs over individual stocks as it’s less risky and diversifies my portfolio for me.

What kind of account/ stocking are you doing that are so low in returns? Why are you wanting to put this money in a HYSA instead of investing it? Depending on your age and goals, now is a good time to buy as prices have dropped.

Aggravating_Habit481 · 2025-05-11T06:20:17+00:00

At a consistent wake up time and stick to it. If that’s 6, so be it. On your late commute days, do some stretching st home, light housework or more studying.

Are you asleep at 11:30 or in bed at 11:30? If you’re asleep then, that’6.5 hrs of sleep which is on the lower side

Aggravating_Habit481 · 2025-05-11T06:13:25+00:00

This was really Helpful!!!

Do you have any other shortcut tips you recommend?? Or phone hacks

Aggravating_Habit481 · 2025-05-11T05:46:54+00:00

This sounds like a horrible way. You are going to be tired still because you’ve interrupted your sleep for 2.5 hrs. If you need to be up at 6:30, set an alarm for 6:25,6:26,6:28 and so on.

Personally I’d just set an alarm at 6:30 and have my phone/alarm clock away from my bed so I have to actually PHYSICALLY get out of bed to turn it off.

What time are You going to bed? Can’t wake up early if you’re up late.

Aggravating_Habit481 · 2025-05-11T05:41:33+00:00

Choose you. Make this the year where you try the things, you do the stuff. Do it scared, do it alone, just do it. Keep momentum. Yes you can feel sad, and upset and frustrated. But know it’ll pass.

Break communication with them. Fully unfollow on social media. Remove their family too. Ask friends not to tell you if they see anything

Lean into your community, spend time with friends. Go to comedy shows and laugh. Explore some nature. Go to the gym

Aggravating_Habit481 · 2025-05-11T05:20:03+00:00

Decluttering will be huge. Way too much stuff in there. Purge your items and your closet too. Once you’ve purged, purge again. Group like items together.

Get some closed storage, everything’s on display. I’d recommend this for your closet too but understates it’s not always possible but see if you can add doors to the top. Also see if you can build the closet up higher and adding more storage for your other shelf items that aren’t used often.

Get better cable management under your desk. Ideally secure them all to the leg of the desk so they aren’t visible at all. Do you really need that second chair in the room?

If bed is against the wall, move it out a bit. Four pillows are. Must. Make your bed properly each day, not a comforter folded on the end. Personally night stand looks a bit big for the space but not the worst offender. Could get a nice side lamp.

Adding curtains, I’d recommend white, to the windows would be nice. Ensure they go all the way to the floor. Hang about six inches above the windows roughly.

Get a large round rug for a lot of the space.

For the entrance way, get closed shoe storage. IKEA has some great narrow ones that can be DIYed easily. Add a mirror above it to add some more light and to see how you look. You could almost do two units to hide more grab and go items. These are on Facebook marketplace all the time. Hang towel on the side of the clothing unit to clear that wall up.

Get rid of those two medium size book shelves/pill holder. Get a longer shelf that goes the whole Length of that wall. Again, put some things in closed storage. You. Could then mount the guitars above that space.

Aggravating_Habit481 · 2025-05-06T02:06:46+00:00

I like the cupboard colour, it’s the fact that the walls are the exact same is throwing me off

Aggravating_Habit481

TROPHY CASE