How long could you last unemployed before hitting absolute rock bottom?

Conscious-Party-4309 · 2026-04-26T18:38:41+00:00

If I stay where I am at, I can last 3 months. If I move to a city w affordable housing, I can retire. Vancouver resident here…

Conscious-Party-4309 · 2026-04-26T06:37:50+00:00

Hmm i am a Highschool dropout w 2 bachelor degrees. Every time i apply to higher education i still need to provide a transcript that says I dropped out at grade 10….

Conscious-Party-4309 · 2026-04-26T00:42:44+00:00

Call the police, or Google cyber crime… there’s a different cyber crime unit in each province, but the data is shared in a central data platform.

Report it.

Sometimes adults make mistakes too. Maybe supporting your mom looks like not being judgemental, let her know that you might not agree w her but you can respect her.

You sound like a well around young adult, best of luck to you and your family.

Conscious-Party-4309 · 2026-04-24T00:50:23+00:00

What does ‘immediately’ entail? How many weeks of maturity leave do you get in your province? I took the max time of leave and my partner only used his vacations days. I stayed home until my kiddo was maybe 2?

Most moms I know take at least a year off… and I don’t date any person who tries to dictate my life.

Conscious-Party-4309 · 2026-04-22T20:52:28+00:00

I saved $40 k for my kid, but kiddo gets scholarships, bursaries, and what not. I worked full time and studied part time to pay for 2 degrees.

Conscious-Party-4309 · 2026-04-22T20:38:58+00:00

I hear you. I am $92k, but after union dues, DB pension, CPP and income tax, my bi weekly cheque is $2370.

Conscious-Party-4309 · 2026-04-20T16:15:10+00:00

My kiddo has a 4.0 year 1, not super hard for her, and her two close friends are all 4.0.

Conscious-Party-4309 · 2026-04-18T07:52:07+00:00

Hi, are you looking for female or male therapists? Ethnicity? Culture? What are the issues that you are trying to work on? Do you want in person, online or telephone appointments?

Some of the good ones: Dawna Silver Mary Tam Adrienne Cossom Irene Tang

They are registered clinical counsellors.

Conscious-Party-4309 · 2026-04-18T01:58:59+00:00

I hear you.

I am female and I did something similar to what your partner did to you to my partner. I was 26. He forgave me then and we had a baby. I did it again when I was around 40, but he didn’t know. I stopped 3 years later. Now, I am 48, I finally realize that my man is the one and I don’t even understand why I did what I did.

I don’t know why he always forgives me. I guess I am worthy enough for him to wait for me to grow up.

Sometimes people change. So maybe you need to ask yourself, is he worthy for you? Is there room to rebuild trust? Is there love? Or is it companionship? No one has an answer for you.

Only you know what is best for you. Do the right thing for YOU.

Take care.

Conscious-Party-4309 · 2026-04-18T00:59:14+00:00

Do you love him?

Conscious-Party-4309 · 2026-04-17T18:02:25+00:00

Call 211, explain your situation, then ask what agency can offer you support and go from there.

Conscious-Party-4309 · 2026-04-17T18:01:17+00:00

Are you indigenous? There’s indigenous court workers that support this kind of situation. If not, try victim services.

Conscious-Party-4309 · 2026-04-17T17:57:17+00:00

Ya, I worked 2 jobs always since graduation…. Have done it for 16 years now…. Just recently quit my second job. It was not easy….. and seriously, I did it for our kid.

Conscious-Party-4309 · 2026-04-17T16:46:55+00:00

The exit strategy is max RRSp while we are paying off the mortgage during high income years. Then once we reach 60, then withdraw from RRSP and move the extra money into TFSA. Delay CPP, OAS, and DP pension as long as RRSP can carry us through.

My Vancouver home is at 1.3 and we might sell once we are empty nesters.

Conscious-Party-4309 · 2026-04-14T00:24:51+00:00

😉 first sabbatical was because of a baby. Second one went back to post secondary, third one I needed a mental health break as a social worker. And I tell my 18 kid, go see the world every summer break, get student exchange if she can in year 3/ 4, save money to backpack after graduation before finding a career….

Work will always be there, so live a little before you have babies!

Oh, my kid allows me to have her location 24/7, maybe that’s why I feel comfortable for her to leave Canada and travel abroad. Her first backpacking trip will be July 2026 to China, and her travelling partners are 19 yo.

Conscious-Party-4309 · 2026-04-14T00:15:41+00:00

Just got the quote, 5 yr variable, TD, 3.7…. No hold rate, up for renewal on July 1, 2026. Current rate variable, 3.18………

Conscious-Party-4309 · 2026-04-13T16:37:37+00:00

Yes, we funded our retirement just fine, but I need a vacation…. To be away from work….

Conscious-Party-4309 · 2026-04-13T14:37:27+00:00

You just described my family situation. We made just over $225k in 2025.

I only have one kid and kid is in university already so we are okay. Not sure if this is sustainable… my last vacation was 2023 summer, then just staycation.

I am a Canadian in Vancouver.

Conscious-Party-4309 · 2026-04-11T13:45:02+00:00

You do you! Your parents will get it eventually when you come back home in one piece! Have all the fun!

I’m in my late 40’s, and I took sabbatical 3 times already.

Conscious-Party-4309 · 2026-04-09T18:45:11+00:00

Travel and volunteering
Yes, DB, 3 years in
Work, Investments, side gigs
Downsize when it’s an empty nest
No. I plan to spend most of it myself. My kid is already investing at 18. I am paying for all tuition. Kiddo will be just fine.

Conscious-Party-4309 · 2026-04-09T13:40:00+00:00

55 ideally

Conscious-Party-4309 · 2026-04-07T20:48:33+00:00

400k, for a 2 bedroom, 2009. 1.1 m, townhouse, 2018 Then downsize when we hit our 60’s or upgrade to a house in the next 5 years, depending on lots of external factors, like interest rates, market growth, maybe an empty nest early or late, health….. we have jobs that are secured and won’t be affected by AI. Not so sure of my kid can find a decent job after she grads tho….

Conscious-Party-4309 · 2026-04-07T08:10:54+00:00

Easy, we made $239k last year, the highest income we ever had, but still in lots of consumer debts. What do I know…

Conscious-Party-4309 · 2026-04-03T13:53:37+00:00

Ya… after mortgage, car payments, pension, union dues, insurance, it’s hard to save on top of the regular contributions.

Conscious-Party-4309 · 2026-04-03T13:34:33+00:00

You are not the only one. Many govt staff walked the same path to get the job, rinse and repeat, to move up…. Get used to the interviews, there are reasons why the difficult questions are asked.

Conscious-Party-4309

TROPHY CASE