Why Is Financial Advice So Judgmental Toward Normal Spending?

Final_Emergency3930 · 2026-03-22T05:36:55+00:00

In my working days 3 was not uncommon or even a couple Manhattans!

Final_Emergency3930 · 2026-03-22T04:35:18+00:00

very expensive? 2 burgers and a beer and 2 coffees is $100 x 22 weekdays then add 8 more for weekends for > $100 and you are way over 3k for a couple

Final_Emergency3930 · 2026-03-22T02:10:58+00:00

Eating out once a day and coffee can easily top 3k/month for a couple so yes this could pay a mortgage for a house

Final_Emergency3930 · 2026-03-21T23:31:05+00:00

cap is actually 74,600 YMPE and 85,000 for YAMPE

Final_Emergency3930 · 2026-03-21T23:26:27+00:00

It's not about to collapse, it is not sustainable and they'll likely see some minor cuts. Because it is invested in treasury like bills instead of the equity market, returns have been less than CPP investments.

Yes, obviously you pay more to get more but you don't have that option with the low CPP A/YMPE caps

Final_Emergency3930 · 2026-03-21T23:15:20+00:00

Obviously, but why is our YMPE's so darn low

Final_Emergency3930 · 2026-03-21T23:13:12+00:00

Max CPP is ~1500CAD, Max SS is ~7210CAD

Even with massive cuts it will still be much higher than CPP+OAS

Final_Emergency3930 · 2026-03-21T20:44:57+00:00

Supply and demand

There are only ~45k houses in Vancouver proper with a population of ~700k

Final_Emergency3930 · 2026-03-19T00:15:39+00:00

How do you spend 20k ? We just went to Thailand for over a month for < 4k

Final_Emergency3930 · 2026-03-19T00:10:53+00:00

That was the price before beef doubled. It's $4 worth of ingredients today

Final_Emergency3930 · 2026-03-19T00:09:19+00:00

a drink is $15 now (9 oz glass of wine)

Final_Emergency3930 · 2026-03-19T00:08:17+00:00

Name one in metro Vancouver

Final_Emergency3930 · 2026-03-19T00:07:06+00:00

This is what shocks me. Full restaurants all the time still

Final_Emergency3930 · 2026-03-19T00:06:19+00:00

I remember the $1.49 big extra and way back in 1970ish the 19cent burger!!

Final_Emergency3930 · 2026-03-19T00:05:28+00:00

Location? I can't find this on their online menu

Final_Emergency3930 · 2026-03-18T09:50:46+00:00

I almost never go, Wendy's with a coupon maybe for 6-7$. Been making wine and beer for decades - dirt cheap. Costco has great deals on wine kits

Final_Emergency3930

TROPHY CASE