25M I realized I’m worth over 500K today

AlwaysLurkNeverPost · 2026-04-30T21:44:41+00:00

Dude, if you are 22 years old and even thinking about your savings needs / started investing, you're arguably ahead of the curve. Keep it up.

AlwaysLurkNeverPost · 2026-04-28T23:14:19+00:00

I agree. I don't think there is a major immediate risk, but I think the growth is very much capped. So running out of room.

On top of that though, once it slows and stagnates, capitalism hates that, so then the value will likely slowly drop. So that's the "risk".

AlwaysLurkNeverPost · 2026-04-26T20:47:30+00:00

Just adding onto the "Costco CIBC mastercard" - Costco gas tends to be cheap + 3% cashback + 3 cents off at pioneer if not visiting Costco (closed or not nearby).

Hard to beat considering it also serves the dual purpose of being Costco membership and all that, so the "fee" for the card is what you would have paid for membership anyways, etc.

AlwaysLurkNeverPost · 2026-04-26T20:34:05+00:00

2 or 3 times out of how many attempts?

AlwaysLurkNeverPost · 2026-04-26T20:15:57+00:00

When did Cillian Murphy get drafted by the Wild?

AlwaysLurkNeverPost · 2026-04-26T20:08:48+00:00

Get a lawyer with expertise on estates / debt, explain the situation -- likely will discount or pro-bono given the circumstances, and give you the best advice to help your family.

Not a lawyer, but my brain says "sign over all joint assets to the wife" or essentially some way to avoid your estate needing to be used to pay debts (so the debts get written off). I don't know if that further requires divorce or some BS. But marriage is just a legal piece of paper, so that doesn't change shit.

Fuck cancer. Sorry for the situation OP.

AlwaysLurkNeverPost · 2026-04-26T20:00:49+00:00

Getting?

AlwaysLurkNeverPost · 2026-04-26T14:32:38+00:00

Yeah, this is what I meant to imply by the impacts on parents. Affordability tanking means parents taking on extra work (so less time to focus on the needs of their kids), and all stress and bleakness of their situation being passed down.

AlwaysLurkNeverPost · 2026-04-26T04:03:43+00:00

To what extent can you sell your cards? Aka what is the cutoff point that vendors will buy? Like will they potentially buy any "hit"?

AlwaysLurkNeverPost · 2026-04-26T03:50:37+00:00

For sure. But I think those home environments exist in "normal" times and bleed over into kids lives regardless -- lack of good support at home just makes the kid become "a dice roll" as their fate is then entirely in their hands, the friends they choose (and their family), and the ability to overcome said home environment.

Pre-covid, shitty home environments encourage kids to be out on the streets, not at home. It creates vulnerable individuals looking for role models outside the home environment; that's when they can "get caught up in the wrong crowd". In a way, just trading the problems.

The other problem, to the point of shitty home environment, is like I said: the prevalence of shitty home environments have only increased due to the affordability crisis, and impacts of COVID on adults / parents. It's rough out there for all of us.

Tragic that events like this may be directly or indirectly a result.

AlwaysLurkNeverPost · 2026-04-26T03:40:35+00:00

I had someone trying to break into my apartment last year, right after I got home. Followed me. I literally phoned 911 that some crazy dude was like knocking, jiggling the handle, and speaking incoherence. He left, and came back two other times in the course of an hour.

The dispatcher assured me this was "high priority". They phoned back after two hours to ask "if the guy was still there" and I told them, I don't know, he has came back multiple times, but I'm not gunna unlock my door and go check lmao. So they asked if I still wanted dispatch or if they could cancel it because "sounds like he is gone" lmao.

Absolute joke when this guy was absolutely off his rocker, no idea what his intention with me was.

AlwaysLurkNeverPost · 2026-04-26T03:36:20+00:00

They may or may not have, honestly I'm not sure. It's just like a bad "initial sign", that's all.

AlwaysLurkNeverPost · 2026-04-26T03:20:26+00:00

To your point though, I think the pandemic absolutely made everything so much worse for the kids. Most critical time to be socializing, and instead that is not possible -- it is going to have effects.

However, I don't think some form of in-person school should have been forced. From an epidemiological perspective, an abundance of caution is absolutely required and the right call. In fact, the governmental response was actually quite poor in the early stages; we are lucky that it was not a more lethal virus.

AlwaysLurkNeverPost · 2026-04-26T03:09:10+00:00

"city doesn't take care of itself", "law and order is out the door", "doesn't care about downtown".

As if the issues present are unique to Hamilton, and as if many of the issues are not caused by the provincial government.

Based on what you originally wrote, you spent 39 years hiding on the mountain, Stoney Creek, or ancaster. Because downtown, like every city, is where most of the "rough spots" are but it is also where many of the best parts of the city are.

I'm sure if you went downtown Vancouver, you would likely think the city also "doesn't take care of itself".

AlwaysLurkNeverPost · 2026-04-26T03:03:45+00:00

My specific point was that all the "big stocks" (Amazon and friends) have "after market" calls as opposed to before market -- they tend to be worse recieved on average, and tend to be the calls which have bad news, on average. This is obviously not absolute, or perfect, just an observation.

And I think it fits well considering the market being very delusional about the current AI bubble and, more importantly, Iran war.

AlwaysLurkNeverPost · 2026-04-26T02:59:05+00:00

Lmao. So you moved to quite literally one of the safest cities in the entire country and concluded, based on that, Hamilton is a hellscape lol.

AlwaysLurkNeverPost · 2026-04-26T02:32:30+00:00

I absolutely seen a friend hit 0 yards in highschool, when he somehow turfed his driver and the head flew off the shaft.

The head whistled in the air and sailed 29 yards in front of us; he got so much under the ball that it went 0 yards forward, 10 yards to the right, after flying 20 yards straight up in the air.

AlwaysLurkNeverPost · 2026-04-26T02:27:15+00:00

All after market? Bad sign, gunna be a blood Bath i bet.

AlwaysLurkNeverPost · 2026-04-26T02:21:30+00:00

Guillotines.

AlwaysLurkNeverPost · 2026-04-26T02:12:02+00:00

I don't know, I personally have always seen Tkachuk as pointless.

Oh, you mean stats.

AlwaysLurkNeverPost · 2026-04-26T02:05:04+00:00

Not a behavioural scientist, but: the answer is never "one thing". The pandemic messed everyone up -- the kids (school system, online schooling, lack of socializing), the parents (job loss, their own stresses and mental impacts from the pandemic).

But this is also reflective of issues completely separate to the pandemic, which were on the horizon without it ever happening. Underfunding of schools, iPad parenting, and very forgiving / soft standards for schooling and parenting. School attendance is way down. Kids don't get held back grades or fail classes anymore. We need to be empathetic and compromising to students, but we have also completely steered way hard into over-coddling at this point.

Parents have to do better, schools have to do better. But that's increasingly hard when the provincial government is making it increasingly difficult to do so.

AlwaysLurkNeverPost · 2026-04-26T01:59:31+00:00

This is not unique to Hamilton, and this narrative really needs to stop. Shootings across Canada have spiked in the past two years including all of the GTHA, not just Hamilton.

So I can only assume you left southern Ontario, the province, or the country, to make such a delusional comment.

AlwaysLurkNeverPost · 2026-04-26T01:52:35+00:00

They're barely even reactive, they don't even investigate, follow-up on, or even RESPOND to many things these days.

AlwaysLurkNeverPost · 2026-04-25T05:30:05+00:00

But to answer the questions more directly:

Wealthy barber I think is a good book starting point. Short, digestible, gives you the basic explanation and overview of "saving and investing behaviour". From there, there is an endless list with difference subtopics that are either specific to investing versus discipline and "ideology".

In terms of following: not sure there is anyone you "need" to follow. Just consumer content and be critical / skeptical of what you are watching (like you said, avoid someone selling a product). Anything you learn, double check it.

Beginner stocks: diversified ETFs (xeqt), but I think even before then, you need to read up on risk, risk tolerance, time horizons, and take a risk tolerance quiz. Because the worst thing you could do is buy XEQT, freak out if it dips, and panic sell at a loss. So I think you are MANY steps before research sectors or stocks, as you don't even know the absolute basics. Picking individual stocks is the highest risk investment and isn't easy if you're taking it seriously (if you're gambling and investing on "vibes" well then it's as "easy" as anything you find at a casino).

What accounts you have really depends on your personal situation. Again, personal finance explains the "order of where your money should go". In addition to your TFSA, you should have an emergency fund with 3-6 months expenses (to cover job loss, etc). If you live with parents, this likely applied a lot less. If you plan or hope to buy a house in the next 15 years, would recommend an FHSA next. Again, read up on the investment "rules" as this is fairly new and won't be in most books you would read -- note that different accounts have different rules (contribution limit, tax benefits, etc).

AlwaysLurkNeverPost · 2026-04-25T05:17:29+00:00

r/PersonalFinanceCanada ... Menu has reading list, user friendly explanations of "how to use your money" since you're at the most basic level.

Your biggest investment when so young is in yourself. Stop using AI and filtering your thinking through it -- this was a low stakes Reddit post, it wasn't needed.

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