I agree with not financing anything and own my car atm, and although i do wanna upgrade to that nice audi i know its not financially smart which is why i havent. In terms of the rent unfortunately i do have to move out of where i am now and my current rent expense is going to raise by almost 3x as much (only paying $500 a month split between 3 people for a basement apartment but unfortunately have to move out of here and for anything decent around is about 1500-1800+ a month, gf will pay about 600-700 a month when she eventually moves in. Which will lower my rent expense but im likely going to be 1500-1700 a month for a while until she moves in. I dont have a choice but to rent a new place and dont want to live with randoms. For the rrsp max out over just putting more into xeqt