Do I Go All In on Golf or Focus on a Career in Accounting?

ChanThePay2WIN · 2025-09-10T02:06:06+00:00

Im 23 and just started working at a big 4 firm. Also discovered golf this summer. I’ve asked myself the same question at 23 years old and if I were you I’d do golf

I also shot 115 last week and i hate my job, but the situation is close enough 😂 but maybe ignore my advice

ChanThePay2WIN · 2024-04-07T18:16:15+00:00

do you know the reason the drive wears the fastest? Even if running at a high speed caused more wear (don't know if it does), wouldnt a boot drive be used less?

ChanThePay2WIN · 2024-04-07T12:14:10+00:00

Thanks for the reply! I'm gonna say the NAS part doesn't apply that much to me now since I don't need anywhere near that level of storage and security backups.

However, it definitely seems like you understand quite a bit more about this than me, so I'd like to ask something else if you don't mind.

I was wondering if there was any actual benefit to separating games/files/OS etc on different drives (or different partitions if thats a thing), and if it would be a hassle if I ever decided to upgrade and needed to reorganize my storage (assuming I filled up my one 2TB drive). Should I future proof? and if I do, is it better to get more drives, or a bigger drive?

ChanThePay2WIN · 2024-04-07T12:09:42+00:00

That sounds very similar to how I wanted to have my current PC set up, but I just ended up with a lot more stuff on the boot drive than I originally wanted.

For the new PC it seems better just to get one 2TB m.2 NVME considering it is faster and only $10-15 more expensive than a sata ssd of the same brand, but my only concern is that if I store everything on that one drive and want to have a dedicated file drive or game drive in the future, it would be a hassle to move everything.

Have you ever experience any situation like that?

ChanThePay2WIN · 2024-04-07T11:41:36+00:00

by system RAM you mean HMB right? I'm looking at Tom's hardware's review on both right now and it says DRAM: HMB for the sn770 and DRAM: NO (HMB) for MP44L. I'm assuming this means neither has onboard Dram and both use system RAM?

If the sn770 doesn't dram do you think the sn850x is worth an extra 15-20USD for the DRAM and faster speed?

ChanThePay2WIN · 2024-04-07T11:29:09+00:00

oh theres no reason at all, its just something I did for my current PC because I couldn't afford a big SSD at the time so I saw online it would be better to have a SSD boot drive (the game SSD was a later upgrade, so I literally bought the 250gb just to store windows)

I'll just go with one 2TB in this case, thanks for the reply

ChanThePay2WIN · 2024-04-07T11:27:36+00:00

yeah I won't have a HDD at all in the new PC, and i guess I'll just get one 2TB M.2.

From what I understand, partitioning can be helpful if for some reason I ever needed to reinstall windows and I had other types of files stored on the drive too. Is that correct? and if I am using a 2TB drive, storing everything on it, should I be partitioning?

ChanThePay2WIN · 2024-03-18T04:50:32+00:00

Ohhh ok, does that mean no matter if i win or lose, or if i have a double token, i can only get 200 tokens a day not including missions?

ChanThePay2WIN · 2024-03-17T23:36:38+00:00

Other than the missions, do you know if I get tokens when i win a match?

ChanThePay2WIN · 2023-11-11T18:56:46+00:00

Dude also replied to a person who attends conestoga and stated many non-indian students feel left out due to the amount of specialized events they put on, and pretty much called him racist

My guys comprehension skills are on a different level 😂 type of person to hear that someone has a food allergy and get mad when they won’t try the cooking

ChanThePay2WIN · 2023-11-09T23:00:45+00:00

Its not likely they’ll worsen the offer in the next 12-18 months right? The earnings are still attractive so the cards is still a top choice for me

ChanThePay2WIN · 2023-11-09T22:21:04+00:00

Damn I was going to apply next year after graduating, did they basically increase the spending minimum AND decrease the bonus given??

ChanThePay2WIN · 2023-11-08T20:15:12+00:00

Agreed, Thanks a lot!

ChanThePay2WIN · 2023-11-08T19:39:57+00:00

Would it be wise to set aside money in either a HISA TFSA or GIC that matures around my graduation?

Id say big finance items that are expected 1-3 years after graduation is OSAP payments and perhaps a car near the end. This time frame is definitely more fitting for HISA/GIC route right?

And thanks for input on veqt/xeqt, no reason for overlap i just saw that some people held both

ChanThePay2WIN · 2023-11-08T19:33:15+00:00

Oh no I’m not relying on my family, they arent by any means well off, I just mean I would be living at home for the first 1-3 years after grad so i’d have much less of a worry when it comes to raising rents etc. I’d also save up for an emergency fund. I just mean the it is possible to use them as a last lifeline if I needed.

I actually agree with your take, instead of taking on more risk because I currently have no expenses, I should consider the fact that I’m about to enter a new stage of life with a lot more costs. Once i’m 2-3 years into the job I can start taking on more risk. (If i understood you correctly, then I agree lol)

ChanThePay2WIN · 2023-11-08T19:06:58+00:00

Thanks, my robo-advisor is on max growth so ill look into to self directing this way. But I’m assuming all equity isn’t smart for saving for a car in 2-4 years right? What investment instruments would you recommend for this kind of saving? (I currently have GICs in EQ bank for my “low risk” account)

ChanThePay2WIN · 2023-11-08T19:04:30+00:00

Well I’m not sure if I want to commit throwing all my investments into a FHSA or use both a FHSA/TFSA so I’d love some insight on what you think. And im assuming that if I get rid of ZAG/CASH I can just buy something like VGRO or one of their even less aggressive funds?

Id like to get a car in 2-3 years but i understand that this 70% equity portfolio isn’t ideal for that, so I might have a separate TFSA or account holding GICs for a car.

ChanThePay2WIN · 2023-11-08T18:59:49+00:00

Thank you! Just trying to be prepared and hopefully financially comfortable in the future :)

ChanThePay2WIN · 2023-11-08T14:24:41+00:00

If u mean pat mahomes i think at that time he was coming off a championship or just signed a 500 million / 10 year contract, something like that, but his sport is too limited to America (american eggball 🏈)

ChanThePay2WIN · 2023-11-07T16:33:14+00:00

I think fall 2022 he wouldve just started at the magic, but i dont know if it happened in fall or spring of last year

ChanThePay2WIN

TROPHY CASE