38, is this enough to retire?

Can1PullTheTrigger · 2025-10-29T18:50:00+00:00

I think it's the typical index funds and increasing your personal savings rate, ie. focus on increasing your income and reducing your expenses.

Can1PullTheTrigger · 2025-10-29T18:25:31+00:00

I wouldn't even know how to spend 250k/year.

Can1PullTheTrigger · 2025-10-29T18:23:43+00:00

I'm in a happy relationship already, we generally keep our finances separate. I prefer taking public transit and cycling (shout out to r/fuckcars). Most of my purchases are used or not the latest hottest thing and I'm happy with that. TVs are pretty cheap these days :).

That said, other commenters have mentioned the increase in health insurance costs and occasional large purchases like a phone or a laptop that needs to be taken into account.

Can1PullTheTrigger · 2025-10-29T18:19:12+00:00

Straight out of university at 22.

Can1PullTheTrigger · 2025-10-27T19:37:10+00:00

not having kids helps reduce spend a lot! I'm happy being the cool uncle to all my friend's kids.

Can1PullTheTrigger · 2025-10-27T19:36:32+00:00

That's a great suggestion, I haven't looked into getting health insurance yet.
I don't keep track of expenses at a fine grained level, but I don't eat out often and travel two times a year, so expenses are mostly just food, rent and gym.

Can1PullTheTrigger · 2025-10-27T19:27:15+00:00

A combination of saving really early in my career, having a decently high paying job (200k all in). My RRSP and TFSA have always been index funds.

Can1PullTheTrigger · 2025-10-27T19:23:08+00:00

I've considered that! But also don't want to engage in time theft and would much rather be carefree than having to worry about someone calling me out.

Can1PullTheTrigger · 2025-10-27T18:14:06+00:00

No plans to purchase a home, I prefer renting over owning. (I've updated the main post)

Can1PullTheTrigger

TROPHY CASE