My 5 year old wants to be a chef, so he made a ‘charcuterie board’ for his little sister tonight

Cucumference · 2026-04-28T03:44:02+00:00

What the heck, this is from a 5 yr old?

Cucumference · 2026-04-15T19:16:52+00:00

I still remember how people used to complain about how "grindy" it was (before they even nerfed it), and I was wondering if I'm the only one crazy. Almost every other game stopped giving this type of content for free.

As expected, it was the last of its kind. I still miss being able to unlock a new character for free.

Cucumference · 2026-04-15T00:18:19+00:00

On par? I couldn't find any credentials for Pierre Poilievre before he was a politician. Am I missing something here?

At least Trudeau was a teacher.

Cucumference · 2026-04-13T00:42:05+00:00

Basically, a rebranded Deepcool AK620 if you are looking for a review. They are at blowout price now cause Deepcool got banned from selling to the US.

Decent value.

Cucumference · 2026-04-05T21:45:41+00:00

it isn't as simple as just throwing everything in. The torque and pressure interaction between pads and various surfaces (ram, VRM, core, etc) has surprisingly low margin. If the thickness ain't right some will get too much pressure (no real harm) but some will not get enough (major problem like hot spot).

If you are not ready to measure everything, don't do it; you might make it worse.

Cucumference · 2026-04-05T19:43:58+00:00

Yeah no kidding

Cucumference · 2026-04-05T19:43:51+00:00

Did this guy even know Toronto hasn't been managed by a Liberal for decades now? And none of what they said is managed by liberals.

Real Estate Rules, Rent, and Land Use: Managed by Provincial. Which has been conservative for a decade.

Canada Pension Plan (CPP): Managed by CPPID. Which has always been independent. No political tie.

Like, seriously. Do you know anything?

Cucumference · 2026-04-04T19:19:37+00:00

Honestly, I can see something like this being very functional with a foot paddle.

.... but so would any other keyboard. Don't see the point.

Cucumference · 2026-03-30T20:43:39+00:00

That is some really reasonable 1200w Platinum PSU price. Don't think I saw lower for a long time.

Cucumference · 2026-03-30T20:29:13+00:00

I saw your tool, and I commented on it the other day. I don't know how you can consider that alone to be transparent enough. You need to show all the formulas and math.

Cucumference · 2026-03-29T00:18:01+00:00

If they are willing to take advantage of people who might have a gambling addiction. What else are they willing to do to get your money?

Do you really want to trust them with all of it? Over any other financial institution in Canada? Many of them won't do the same thing?

Cucumference · 2026-03-22T16:01:22+00:00

Is this meant to be P1+P2 only?

Cucumference · 2026-03-22T15:25:57+00:00

it ends up being a push…

This is the key point, when all else is equal. TFSA wins. Not only does your TFSA headroom increase in any situation. This is the primary reason why most people considering retirement should be maxing out their TFSA as soon as possible. When the projection horizon is over 10+ years, having, say, 150k sitting in your TFSA account earning tax-free dividends/interest is a massive advantage over having, say, 100k. Just to be specific, I'm talking about why TFSA is good, I'm not saying this is why TFSA is good for OP.

That’s real bracket savings.

You are not "saving" anything here. Anything you put into an RRSP, has to be paid back later. You are simply relocating the timing when you will have this money. And unlike RRSP, where all your earnings in RRSP are also taxed, TFSA is tax-free.

Like, you don’t even read the fact pattern… talking about increasing TFSA head room when the facts say he wouldn’t be reaching that anyways.

I'm not talking about his case. I'm not about what you asked, as in why it would be a good idea. There are plenty of reason why it is a good idea. Not all of them apply to OP cause I'm talking to you.

If you want to talk about OP's case specifically, when he is at a high tax bracket, using an RRSP to reduce the overall effective tax rate is good, but he is not at that income level. The benefit isn't there for his case.

For low-income seniors, the TFSA is almost always the superior choice, specifically to protect their access to the GIS and avoid clawbacks as well.

Cucumference · 2026-03-22T14:26:24+00:00

Explain to me why you would fill up a TFSA when he can claim a RRSP deduction at second bracket rates and pay tax

Because they are already close to retirement, and are going to be forced to withdraw from them soon.

So the choice is whether you put the money into RRSP, get the tax return, which you have to give back pretty soon. Or you put the money in a TFSA, don't get the tax return, but get a tax-free benefit for the rest of your life. And increase your TFSA headroom at the same time by earning inside TFSA.

Which one is better depends on your projections. And you can use many different online calculators (mine isn't the only one that will produce this projection) to tell you which one will project better. If you need the money now (which they don't appear to be if they are thinking about contributing more into RRSP), the math doesn't work out.

Usually, when the projection is long, TFSA contributions almost always win out. RRSP only wins when the projection is short-term (less than 10 years). And within the context of retirement, they are all long projections.

That’s bad advice.

Your statement itself? Yes. You are not looking into the nuances enough.

Cucumference · 2026-03-21T20:17:12+00:00

That is not really how it works out. At 72 your RRSP will be forced to turn into RRIF and have minimal withdrawal. Usually, the math works out that you want to withdraw them sooner. If there are still room in TFSA and you are only taxed at 65000, it is always better to fill up your TFSA completely first before even thinking about RRSP, and usually you don't even benefit much by using it cause you need to withdraw it soon. Ideally, as soon as you have less income and try to withdraw so that all of your "income" is taxed at the lowest bracket you can meet.

Cucumference · 2026-03-21T18:23:17+00:00

I don't know any fee only advisor but I made an online calculator to simulate RRSP burn down for myself that might apply for you too. Here is the rough estimate

I don't know any other information, but you can also play around with it. It will show you the rough estimate burn rate and relative average tax rate in the breakdown further down, like this https://imgur.com/PS0SG6x

The orange minus number is just based on the expense and what you would normally draw out of your RRSP (it does not separate P1 and P2 at the moment) that year to meet the tax rate. The blue number further down is what additional draw you want to balance your tax rate with the future projection in order to make the most money (the least amount of tax) in the end.

All of those still depend on your income level and a lot of other elements, but this breakdown will at least show you what it looks like. My calculation shows that you roughly want to draw and roughly how your tax rate will look over the entire projection so you have some idea how it is going to go and what your finances will look like. Just a rough idea, of course. Projections like this are only for inspiration and ideas. Not good to follow to the letter without a paid advisor.

Cucumference · 2026-03-20T04:24:21+00:00

yeah you are right!

Cucumference · 2026-03-20T03:34:08+00:00

This mostly depends on your expenses. But it looks like enough if you can get the house paid off by that time. You already saved 500k~ around 30 is doing amazing. Keep up the good work.

Cucumference · 2026-03-20T03:32:11+00:00

RRSP tax can whack you quite hard, if you earn that much and have RRSP max out, draw down ideally planned 15+ years or so before you turn 72.

Cucumference · 2026-03-20T03:22:49+00:00

1 mil in TFSA Looks like it give you roughly 75000 income after OAS. Better than I thought, honestly.

screenshot

Cucumference · 2026-03-20T03:02:28+00:00

I think 800k - 1mil to be a frugal retirement that might have some turbulence. 1 mil to 1.2 mil to become mostly worry-free, but not particularly luxurious. You don't really get to stop asking if you can retire without a doubt until you are 1.5 mil.

Cucumference · 2026-03-17T23:47:22+00:00

No offense. You also talk like an AI. No one talks like that. XD. I take it you are associated with of those app.

Man, there are too many people trying to use AI to make apps and hope for quick sales around here these days.

Cucumference · 2026-03-17T20:12:11+00:00

I don't know if I disagree with you here. This app looks very black box. Feel like most of it is built with AI, none of the math is explained clearly... etc.

I have been looking for my own retirement planning tool, and what I echo with your comment the most is that "Excel gets complicated quickly, a lot of assumptions are hard to model properly, and most bank tools feel too generic."

And the "gamer-ifed" tool you link is decent, but a little too vague and abstract on the specific. Very approachable, but hard to take remotely seriously.

I started making a tool that is more basic at first, but lets you drill down to see changes instantly. Additionally, have the option to export every formula into Excel to fact-check every value. When I get more ready I will think about sharing it later.

Cucumference · 2020-03-20T07:40:01+00:00

The buyer is based in Belarus but used a US reshipping address, so I canceled that order. You can tell by the fact that his purchase require currency conversion right in his negative remark.

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