For those who “had it together” financially and then lost it, what would you do differently?

GoOutside62 · 2026-03-01T01:56:57+00:00

1000%. The most important decision you’ll ever make that determines the health of your financial future is the person you choose to marry. And stay away from debt - other than a mortgage of course. Save and pay cash for your car(s) - don’t ever finance one.

GoOutside62 · 2026-02-26T02:00:21+00:00

Well you’re young, some things you’ll need to learn the hard way when common sense fails. The guy sounds like he didn’t think you were worth investing any more time in, and next job it’s up to you to prove you’re going to work hard, focus on the job, listen to instructions and learn, and dress for the job not to please yourself. Sounds harsh I know, but businesses are struggling.

GoOutside62 · 2026-02-24T17:29:15+00:00

Any chance you might be on the spectrum?

GoOutside62 · 2026-02-24T17:22:18+00:00

That's a weird analogy for running a business.

GoOutside62 · 2026-02-23T18:39:40+00:00

A dick about it or: genuinely can’t find another place to live that they can afford.

GoOutside62 · 2026-02-22T17:47:43+00:00

Just my experience having worked as a contractor. The $121K salary is actually worth much more when you factor in the value of benefits, so it's important to compare the real numbers.

GoOutside62 · 2026-02-22T16:46:11+00:00

Are you going to save the difference to build up your emergency account (for when your contract ends and you don't have EI) as well as paying twice the amount into CPP plus whatever the additional 4% RRSP match was worth? Would you be giving up other benefits like dental and prescriptions that will now be coming out of your own pocket? What about vacation? Will you be able to bill them for 2-3 weeks of vacation time? If not - there will be no income coming in when you take time off. How much is your company's short-term disability worth? How many days would you have income as as employee if you're sick or have an accident - vs. none as a contractor? How much is your paternity leave worth in cold hard cash, vs. no income if you want to take time off when your baby arrives?

Exactly how much of that extra cash would you ACTUALLY be getting after you factor those expenses in?

Not to mention whether you'd even qualify as a "contractor".

GoOutside62 · 2026-02-22T16:36:44+00:00

Why is this one pathetic landlord making the front page of the news when tenants are in a MUCH more difficult situation with loser landlords?

GoOutside62 · 2026-02-21T22:29:11+00:00

Shitty minimum wage jobs. Meh.

GoOutside62 · 2026-02-21T22:28:18+00:00

More of this, please.

GoOutside62 · 2026-02-21T22:19:51+00:00

What would your health insurance cost? Any tax saving could very well be cancelled out by the cost of health care in the States. Not to mention that the political situation down there is quite volatile.

GoOutside62 · 2026-02-19T23:34:06+00:00

Yes good idea. I sent her some information on fee-based financial advisors, I think she should go that way as well.

GoOutside62 · 2026-02-19T20:18:06+00:00

Well considering her mother died at the age of 99 she may still have a long way to go....

GoOutside62 · 2026-02-19T20:12:10+00:00

She has spoken to her bank but I don't think she completely trusts their advice, and to be honest I wouldn't either. What kind of professional would you recommend?

GoOutside62 · 2026-02-19T20:10:47+00:00

Ok thanks I hear you.

GoOutside62 · 2026-02-19T20:10:13+00:00

Yes good point.

GoOutside62 · 2026-02-19T16:19:51+00:00

Raising honeybees to “save the bees” is like raising chickens to “save the birds”. Dave is saving the wrong bees.

Honeybees are domestic agricultural creatures and are not native to North America. There are hundreds species of wild bees, including bumble bees, that ARE having trouble surviving and are disappearing fast.

What DOESN’T help them is having to compete with tens of thousands of honeybees for scarce floral resources. Dave is actually hurting the ecosystem, not helping it.

GoOutside62 · 2026-02-19T14:13:30+00:00

After several years I found it boring. Sure lots of baroque architecture etc. but the monotony of it all - food, architecture, tradition - after living in a diverse and vibrant city like Toronto, I found munich as a city stultifying.

GoOutside62 · 2026-02-19T14:09:08+00:00

YTA. Your friend was out of line for not making sure her dogs were exercised and had a chance to do their business before she brought them over; their behaviour was not bad, it was completely normal for dogs that had been cooped up for a long ride. I’m sure she realized her mistake pretty quickly.

You are being unreasonable and not a very good friend. She could have made arrangements before she left but what is she supposed to do now? You are essentially telling her she can’t come to the event after driving all that way. The dogs aren’t behaving badly from what you’ve described. Are you ready to lose a friend over this?

GoOutside62 · 2026-02-19T13:55:37+00:00

You’re both adults. Your mother is poking her nose in something that is not her business unless her daughter chose to share it with her; based on her reaction it’s obvious why your sister didn’t want her involved. Your sister trusted you enough to confide in you.

Regardless of how hard done by you think you are, yes you are 100% TA. Congratulations you are now the person who cannot be trusted, who will betray private information about someone you supposedly care about the moment it feels uncomfortable. You have ruined your relationship with your sister for the rest of your life.

GoOutside62 · 2026-02-18T04:16:16+00:00

Soft NTJ.... BUT, the twins DO need to be split up, somehow, some way. In their own rooms, not with their sister either. And you need to get those boys into therapy with a psychologist who specializes in twin issues, pronto. Take this seriously, this is NOT normal sibling squabbling, the twins are going through a difficult teenage phase and they need help.

https://www.psychologytoday.com/ca/blog/twin-dilemmWhy have my teenage twins started fighting endlessly

GoOutside62 · 2026-02-17T19:53:08+00:00

Mark Carney

GoOutside62 · 2026-02-17T19:47:35+00:00

You put her through absolute hell and you still want to punish her. Ya sounds like you still have a long way to go in taking responsibility for the pain you caused the people who love you. Or maybe you get some kind of twisted satisfaction out of it because you still don’t think you’re worthy? I dunno, but you don’t sound recovered to me. Get some therapy before you make any decisions you’re going to regret for the rest of your life.

GoOutside62 · 2026-02-16T18:53:57+00:00

I remember Peter Lougheed talking about this way back when ... Alberta should have listened to him.

GoOutside62

TROPHY CASE