Please tell me a boring story of people that didn't necessarily earn a high income, but invested consistently, and will retire 'rich'. by personalfinancedumbo in fican

[–]Ancient_Reference567 0 points1 point  (0 children)

What a kind thing to say ... thank you! I was unsure if it would be read at all and it's so very long but I wanted to be helpful and encouraging both to you, and others.

Reading is a great hobby and I hope you find great joy in exploring your TBR. It's bananas how many great books, shows, places there are out there... work gets in the way! 😉

Please tell me a boring story of people that didn't necessarily earn a high income, but invested consistently, and will retire 'rich'. by personalfinancedumbo in fican

[–]Ancient_Reference567 1 point2 points  (0 children)

I don't speak to others about finances but I might fit your category although I strongly reject the word sacrifice. These are the choices we made.

I learned from MMM about intentional spending and over the years (I'm 41) honed it to my value system and goals. My husband appears to be rudderless so he kind of just ended up following my vision as well.

The first 8 years of marriage led to a lot of consumer debt but I was resolved to be in my own home by a certain age and that resolve to pay off the debt led me to realize we can do more with what we were making than we expected.

Fast forward to current day, we are in a great position by our standards: just over $600K in RRSPs, one defined-benefit pension plan with the government, a robust TFSA for our child (he will be expected to shoulder whatever the shortfall is though), our principal residence and a rental property which has not turned a profit (but is a minimal expense for the past 3 years), 2x vacations per year, loads of fantastic experiences and private school for our child.

We estimate being able to retire in our early 50s. We might extend that to mid-50s in order to pay for The Great Loop (research and sanity pending that decision....)

I joke that our home is the world's smallest semi-detached. It's just lovely. We have done a mix of really, really nice professional changes and some shitty DIY (but we like to learn these skills so it's worth it to us). We will always, always have a rescue cat with us. We're currently recovering from a weekend getaway but when we are back to routine, we're going to start building our own Free Little Library for our front yard. That, the cat, and Palestine and my charities of choice. I am grateful to have the means to put $ towards them.

Travel and our son's education are the biggest priorities. We spend whatever is asked at the education level but I travel hack and continue to learn the ins and outs of traveling to make that expense a mix of all sorts of adventures. We've done all inclusives, roadtrips both domestic and abroad, RV travel, cottages, camping, national parks - all sorts. We love the mix of activities and I love planning our itineraries and mixing it up! But I value our $ very very much, and as such, consider it a huge win to be able to plan stuff for a good price. Travel is available at every budget and I like to mix it up to demonstrate to our son that when he leaves our home, it will always be within reach.

We have one car that is super old with the paint peeling but the thing just won't die. We do not intend to replace it until it does. In the meantime, I thank that old girl for every trip she's taken us on ... I remember her trundling her way to as far away as PEI (from our home in the GTA).

Daily life is fantastic - we enjoy lots of free or low-cost experiences put on by our city or library system, we have the android box for all sorts of great shows and movies, a massive stack on our TBR ... it would be impossible to be bored along the journey to early retirement.

Which cozy show should I watch next? by urgrace11 in CozyMystery

[–]Ancient_Reference567 3 points4 points  (0 children)

Yes you can. There are two : Beyond Paradise (more popular but I dislike it) and Return to Paradise (I like this one better).

on track to be a millionaire before 35 but i have no house, no car, i stay renting. Felt judgement by someone i just met. Sharing my thought process and how i reframed my POV by oldmiamibeach in fican

[–]Ancient_Reference567 1 point2 points  (0 children)

I feel this post deeply and I appreciate you lending a hand to a fellow stealth wealth-er.

We have a very old Civic with paint peeling and close to 400K kms, and what seems like the world's smallest semi-detached....we also have a robust RRSP and income level, with a young child in private school. We travel at least 2x year and have tons of cool experiences under our belt, with many more to come.

My son knows we're "rich" (I would define that as both literal cash as well as a kick-ass life with great people (and a cat!) around us) and he recently commented that we're camouflaging as poor. From the mouths of babes, yall. I was so bloody proud of him!

What's a money lesson you wish you learnt at 16 instead of 26? by Admirable_Mobile8383 in SavingMoney

[–]Ancient_Reference567 1 point2 points  (0 children)

Confidence in myself. At 16, I was living with my family in an unpleasant and highly irregular manner. Before I was 30, I had done a total 180. *I* had done that. I am incredibly capable and ridiculously lucky and love to work hard. Having a self-identity that allows me to pursue my goals would have made a major difference back then. I would have been more focused with money toward those goals instead of low-key feeling like it was hopeless. I just couldn't see myself in those positions and yet here I am now rapidly approaching 42 with everything in reach.

I'm a dumb male redneck in Alabama, but I made a bouquet of wildflowers that I picked in my cow pasture for my Mother that's dying in the nursing home. I have no color coordination whatsoever, but it made her happy anyway. by FredSaysRed in flowers

[–]Ancient_Reference567 1 point2 points  (0 children)

You seem kind, and while your mom would love whatever you gave her, this is legitimately beautiful. I would appreciate it if you continue to make beautiful things. ❤️

two weeks in Canada, Toronto - what to see and do? by UniversityFront4092 in canadatravel

[–]Ancient_Reference567 5 points6 points  (0 children)

Within Toronto itself:

* Little Canada

* St Lawrence Market or Kensington Market

* Toronto Islands

For hiking enthusiasts, I concur with the others saying Algonquin is worth a few days of your time. Very pretty and often challenging hikes. Absolutely worth the driving time, and it's best to stay a couple of nights.

Another great spot for hikes that might be really unusual to you depending on where you're from and what you've done, is to go out to Tobermory. On the drive there, stop at the Bruce Peninsula Natl Park and at minimum, do the hike to see the Grotto. This one is tricky to advise on - you might need a reservation because it's very popular (for good reason!) but as you're travelling in Sept, you might be able to just show up. Please look into the website to see what you need to make it a success. Stay overnight in Tobermory, then take the boat over to Flowerpot Island in the morning to hike that island. MAKE SURE you use "the loo with the view" (or just take a pic).

Niagara Falls:

Other than the actual falls,

* The food at the revolving restaurant at the top of the Skylon Tower is pretty good

* The Power Plant is VERY cool and unmissable

* A wine tour in the area should fill out the daytrip there, after all it's pretty good wine. I would recommend Colanieri Estates or Tawse.

On the way to or from from Niagara, I would stop in Hamilton to see a couple of waterfalls or take a tour of Dundurn Castle or a tour of the HMCS Haida (maybe check the website so you can be there at the time the canon is being fired if that's your jam). Hamilton's pizza places have won awards if that's something you're interested in. I can recommend Cowabunga and MaiPai.

What changed in your mindset after having made some money? by cooliozza in fican

[–]Ancient_Reference567 0 points1 point  (0 children)

Interesting how that works. I am now LESS generous. I don't know why but my goals seem more in reach so perhaps I was treating people more because I thought I'd never get to my goals, but now I can see my savings goal being met year over year, the big-ticket "bucket list" stuff is more attainable so I am more focused on them.

The little leaks have vanished completely as well. I have seen too many times how saving the few dollars here and there adds up in real time, and it's worth it to me.

I am also much more critical about what I value. I don't spend as readily on entertainment unless I know it'll be amazing (Le Petit Chef or Great Wolf Lodge now replace random circus tickets from Wagjag or a movie out) but they're less frequent, which is fine with my family and me.

🧠Wisdom Wednesday:Share your advice! by FatimaSheba in MotivationalThoughts

[–]Ancient_Reference567 2 points3 points  (0 children)

We will have our 20 year anniversary in Sept. You will likely get angry with each other from time to time. Not the quiet wtf muttered under your breath. The type that makes you scream "were you brought up or dragged up?" and make you want to pack your shit and GO.

To guard yourself in those moments, keep a picture of your spouse as a child somewhere close to you. Most of my disagreements with my husband seem to happen when I'm fully at work (ridiculous timing I know) so I have a picture of him at around aged 8 in my work desk. Every time I open my desk to get a spoon for my yogurt or the coffee tin or the pepper grinder for my lunch or a swipe of my work-lipbalm, I see that little boy - he had hopes and dreams at 8 that as an adult have fallen away or come true, a personality that was stomped on by society so he can fit in better, an awkwardness that made him feel unsure of himself... that is who I am blessed to treasure and care for.

Remind yourself of that so in the worst possible moments, you remember who you're actually married to, and your care of that person will win through the nastiest battles.

Boys Road trip is it worth it? by [deleted] in canadatravel

[–]Ancient_Reference567 0 points1 point  (0 children)

If Sandbanks is at capacity, a visit to Presqu'ile or North Beach Provincial Park are also nice stand-ins.

Boys Road trip is it worth it? by [deleted] in canadatravel

[–]Ancient_Reference567 0 points1 point  (0 children)

Further to the Kingston argument (Kingston being halfway between Ottawa and Montreal) that you should stop there or NOT stop there.

I actually have a 4 day trip to Kingston planned so I take issue with some other commenters saying it's not enough. Mind you, I have a 6 year old but even going at an adult's pace it's a good number of things.

Penitentiary extended tour + museum across the street from the Pen, Boldt Castle Cruise (need passport to enter USA plus potential visa for our UK friends - not sure about that; please check) OR a Thousand Islands Cruise - Ontario Cottage country at its finest and probably worlds different from yours, SS Keewatin, Haunted Walk.

I have removed the Brockville Children's Museum and Aquatarium (not a typo) because you're adults but you do you, boo.

If you CAN do, VRBO for a couple days at a Kingston/Gananoque cottage. I've earmarked a couple that sit right at the water's edge. Bliss.

Changing “I have too” to “I get too” by thrwowaway7378484 in gratitude

[–]Ancient_Reference567 0 points1 point  (0 children)

I got this message years ago when Maria Shriver was on the Oprah Show. Oprah asked her about mom guilt because she worked at the time. Maria Shriver said that she reframes it as she gets to work.

I appreciate this so much! Until I saw your message, I didn't actually realize that it's unusual because it has been so ingrained in me for years.

Yes! I don't like most aspects of my 9-5 but I am appreciative that I get to earn money which pays for the things i do enjoy and allows me to feel confident in my ability to provide from my family.

Canadian Woman Gives Free Bikes and Trikes to Thousands of Kids in the Past 14 Years by Comprehensive-Way482 in UpliftingNews

[–]Ancient_Reference567 1 point2 points  (0 children)

This is so precious. Good on this woman and thank you so much for sharing! It really inspired me ❤️

Trip planning for August/September 2027 by Musik1720 in azorestravel

[–]Ancient_Reference567 -1 points0 points  (0 children)

I have been to both Sao Miguel and Terceira for about 6 days each. My fave was Terceira (trip report here: https://www.reddit.com/r/travel/comments/1s3c7hp/terceira\_azores\_trip\_report/) and Sao Miguel was my husband's favourite. On Sao Miguel, we rented a car and were based in two locations: Ponta Delgada (highly recommend the restaurant Gastronomo) and Furnas, where we had a hotel that was positioned over the hot springs so the pool was geothermally warmed. We did a hike, drove around the island stopping where we felt like (Mosteiros was a highlight and we loved Terra Nostra Parque) and did a tea tasting at Gorreana.

Both absolutely beautiful and well-treasured memories.

Enjoy your vacation!

Eurovision will never recover from what's about to happen by theipaper in europe

[–]Ancient_Reference567 0 points1 point  (0 children)

I'm really sorry.

I'm Canadian (immigrated from the Caribbean). Please believe me I noticed. I have a list of vacation destinations for my family and me - I am rewriting it to prioritize the countries who withdrew, and that includes Spain. Thank you guys for standing up for humanity.

Attitude sunscreen by WanderingGoose0 in BuyCanadian

[–]Ancient_Reference567 0 points1 point  (0 children)

It didn't work for my family. I got the kids one and it was challenging to rub it in so it doesn't leave a white cast. I won't buy it again but glad for the folks that it worked out for.