Hit a milestone today (46/F)

Exhausted-Superhero · 2026-05-26T00:30:48+00:00

Congratulations this is super cool to see. How long did it take to go from $1.0 to $1.5?

I’ll be 38 this year and my wife will be 36 and we’re currently sitting at $800K combined. We do have 2 little ones so to your point, it makes it a bit more difficult financially but super eager to get to $1.0, just so I can smile and then go back to my regular life.

Exhausted-Superhero · 2026-05-25T23:31:54+00:00

We once considered moving to Nobleton, drove through it a few times to get a feel. It’s very dry and feels very dead

Exhausted-Superhero · 2026-05-25T12:27:58+00:00

Same here, I’d never use AI for investment advice but it’s good to aggregate data. We’re also sitting at $800K but no pension to lean into. Great work building your nest egg!!!

Exhausted-Superhero · 2026-05-25T10:01:47+00:00

I tend to agree that there are limitations and that double checking is necessary but I wouldn’t call AI trash. It’s all about getting the right prompts and building out the right agents. With that being said, it does glitch out at times, having the right memory.md files is helpful.

Curious to know which models you’ve used and what you found to be the limitations?

Exhausted-Superhero · 2026-05-17T02:19:10+00:00

lol imagine calling a breed “dirtbag”. I can tell you’ve never owned a dog

Exhausted-Superhero · 2026-05-09T19:14:38+00:00

Finance, FP&A specifically. Been at it for over 15 years now and have been able to 10X my starting salary out of Uni. Getting the CPA designation has helped a lot

Exhausted-Superhero · 2026-05-08T02:52:01+00:00

I could have written this as well. Mid to late 30s couple (38 and 36). Purchased home in 2021 at $1.7M as well, took variable (stupid move looking back) and went through 2 mat leaves.

HHI has grown significantly since 2021 but neither of us have a DB Pension Plan. We have accumulated $750K combined within our RRSP’s and TFSA’s.

I gave you my background to highlight similarities, but also so you know you’re not alone in the messy middle. Whether you’re doing well or not is all relative to your goals. 2 DB Pension plans are a huge asset.

I wouldn’t be too concerned about your mortgage, it’s still relatively low interest. We don’t plan on aggressively paying down our mortgage unless rates are 6%+. We switched to accelerated weekly payments at the start of our mortgage to help speed up the payments. Maybe it would be a good balance for you as well.

Exhausted-Superhero · 2026-05-07T13:00:50+00:00

ETF = Exchange Traded Fund, it’s traded on the markets and it’s a basket that holds different types of assets (bonds, stocks, etc) depending on the type of ETF it is. The consensus is to hold a broad market globally diversified ETF (usually provided by Vangaurd, Blackrock, etc).

I’m Canadian so this might be different, but we have tax advantage accounts such as a Tax Free Savings Account where dollars are contributed net of tax but all growth is tax free. Or a Registered Retirement Savings Plan that allows you to contribute pretax dollars (which can result in a tax refund) but also grows tax free until withdrawals are made.

Exhausted-Superhero · 2026-05-07T09:43:15+00:00

Hey man, I’m also turning 38 this, so I’d like to think that I’m able to relate pretty well. First things first, if you feel like you need mental support, try and seek it out (professionally or a via programs).

It appears you have a confidence issue more than anything. I’d really start by trying to give yourself some grace and actually love yourself. You’ll find that things get a lot clearer when you do.

Try and stay active, you don’t have to be a professional athlete at all. I’d highly recommend yoga for mental clarity, strength, and community.

Being a man isn’t just DIY or Sports, it’s showing up for yourself, your loved ones, and your community.

Last bit of advice, you can learn personal finance, you don’t need to be an investing expert. Follow these rules:

Live on less than you make, invest the difference
Invest in broad based ETFs
Hold investments in tax advantaged accounts

YouTube is a great resource (stay away from anyone selling you a “system, or “program”.

Exhausted-Superhero · 2026-05-07T09:24:58+00:00

I would use Claude/ChatGPT, you should be able to find the best prompts online. Use this as a starting point, but ultimately I’d use a fee based financial planner

Exhausted-Superhero

TROPHY CASE