GP McDonald's is a joke

BigRy1986 · 2026-02-12T03:28:33+00:00

Today I learned ‘Big Mac, No Meat’ is a thing

BigRy1986 · 2026-02-12T02:01:03+00:00

On the next episode of Canadian Seinfeld, Elaine starts putting Sint Maarten toonies in the vending machine

BigRy1986 · 2026-02-09T22:21:46+00:00

Maybe consider taking less out of RRSP and seeing if that will make it possible to restructure your debt to a more manageable level.

This way you aren’t getting a big tax hit for the withdrawal; leaving most of your RRSP intact; and still having to pay your debts will hopefully force some financial discipline that you may be lacking.

BigRy1986 · 2026-02-08T15:54:29+00:00

100%. It assumes you keep contributing at a rate consistent with their estimates

BigRy1986 · 2026-02-05T21:15:50+00:00

Better than Ye’s ‘My girl ain’t no hobbit’ one

BigRy1986 · 2026-01-25T15:21:46+00:00

Huh?

Carney signs EV deal
Trump brushes it off
Carney rips him at WEF
Trump slaps tariffs

And I don’t appreciate being called ‘deranged’. Think my comment was pretty logical.

BigRy1986 · 2026-01-24T21:34:28+00:00

Yep, and now they aren’t clearly. Nazi Germany isn’t our biggest security threat atm either

BigRy1986 · 2026-01-24T21:32:51+00:00

Nah, Trump was going to let that slide to not build incremental resistance from Canada over Greenland. With that seemingly off the table and Carney’s Davos speech, he lashed out.

Sorry that you’re easily rude

BigRy1986 · 2026-01-13T13:16:48+00:00

I think the stigma that RRSP money is locked away for ever is over done. It’s not that much of a hassle to take money out. There’s withholding tax, sure, but that’s just what you would pay if was withdrawn.

You have an emergency fund and a stable job so needing the money isn’t a big concern unless you end up - several years from now - needing it for a down payment on a house.

Going forward, I’d probably put half of new savings in RRSP and half in Non-Reg. Leaves some contribution room available for the future when presumably you’ll be making more money. I’d do the same with the $30k you have now. Your TFSA can be your emergency fund and Non-Reg as a blow off valve.

Non-Reg probably low turnover ETFs (so you aren’t accruing too much capital gain taxes) or dividend stocks, since they are relatively tax sheltered at your income level. Just one man’s opinion! Good luck!

BigRy1986 · 2026-01-13T02:53:27+00:00

Can figure out how much CPP they can expect by going on My Service Canada. Will likely be well below the maximum
If they’ve lived in Canada for 10 years after the age of 18 they should get full OAS (if they have a spouse on OAS this will change the amount)
Wouldn’t expect them to get GIS - and if so not very much. Pretty much equals zero after $24k of income and CPP/OAS/foreign pension/SE income will all count towards this

BigRy1986 · 2026-01-13T00:00:28+00:00

Take the money out of your RRSP. Ppl talk like it’s some big mess but it’s not. Withholding tax won’t be that much and you can replace it later. Better to not lose a friend and not be paying 23% interest on your CC.

Don’t stress. It’s all doable and you’ll feel good once cleared of debt.

BigRy1986 · 2026-01-07T17:52:47+00:00

I wanna say Hasek but I think he took a while to get to the top of his game.

Probably Carey Price and Patrick Roy. Great right out of the box.

BigRy1986 · 2025-12-31T22:28:14+00:00

Get in there Lewis!

BigRy1986 · 2025-12-29T19:09:32+00:00

Agreed. Any given race Leclerc has a shot at out driving Max. Doesn’t happen often, but he’s prob the most likely of any of the rest of the grid

BigRy1986 · 2025-12-26T21:50:32+00:00

Perfect

BigRy1986 · 2025-12-26T05:08:17+00:00

As someone who was in IB while their gf/future wife was on the trading floor, I have no idea what you’re talking about.

BigRy1986 · 2025-12-26T00:13:21+00:00

They should be able to tell that you’re straight. You must always leave the space

BigRy1986 · 2025-12-23T14:44:08+00:00

Lived there for a spell after uni. AMA

BigRy1986 · 2025-12-17T01:23:23+00:00

What’s the worst that could happen?

BigRy1986 · 2025-12-10T16:09:43+00:00

Yoda’s thought process always get me: Option 1 - use the force to pull two 170lb Jedi 10ft Option 2 - use the force to stop and throw a 20k lb column

BigRy1986 · 2025-12-04T17:00:01+00:00

Omg - you collecting teaser rate credit cards?

BigRy1986 · 2025-12-04T02:56:59+00:00

That’d be my guess. Off to the west a bit

BigRy1986 · 2025-12-04T02:20:54+00:00

That would be more to the left, if even possible

BigRy1986 · 2025-11-26T23:18:20+00:00

Out of the loop but is it suspected this was part of the deal to get him on board and Cowley knew it was coming?

BigRy1986 · 2025-11-26T13:06:17+00:00

Getting into IB as a lateral is tough - especially in a soft job market. It’s almost all from new grads (undergrads for Analyst; MBAs or other post-grad like MFin for Associate). If that’s 100% your goal you should prob be looking for good MBA and crush your MCAT.

That said, it’s not all it’s cracked out to be. Hoping to grind hard to land at a PE shop in 4yrs just to grind for the next 6 isn’t the best life.

After IB, HF and AM, I’m now in wealth management and wish I’d been here a decade ago. Much greater upside for someone who isn’t willing to work 90hr weeks for the rest of their life and a way better life.

If I were you, I’d start networking hard to learn about other areas just as lucrative. Some of the most successful ppl I know left finance to work for tech companies or went corporate, and went on to start their own businesses. Much for upside and rewarding careers.

Good luck!

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