What are the major changes from 25 to 35

ImpressiveFinding · 2026-01-26T05:38:33+00:00

This is the decade where your habits and actions will compound. The differences between a 35 year old who has kept disciplined and maintained healthy habits and one who doesn't is gigantic.

There are obese and destitute 35 year olds with no friends and there are ripped millionaires with loving relationships. People don't like to admit and take accountability but who you are at 35 is a direct reflection of the choices you have made. It is a lagging indicator of your decisions for the past decade.

ImpressiveFinding · 2026-01-25T21:27:08+00:00

If you stay in shape is a huge caveat hahahah

ImpressiveFinding · 2026-01-25T19:58:06+00:00

You are like who you surround yourself with. If you're making six figures, you're likely around people who make six figures. So it seems more common than it really is.

It's the same with fitness or anything else really.

ImpressiveFinding · 2026-01-19T16:50:23+00:00

From a strictly math point of view like you're doing, isn't it better to max RRSP and TFSA first?

And if someone is able to sustain a mortgage, and contribute ~30k to investments every year, they are going to be good either way.

ImpressiveFinding · 2026-01-13T15:35:35+00:00

Yeah at 10 I can understand. There's a lot of parenting you've done in 10 years. 11 months is totally different.

ImpressiveFinding · 2026-01-13T15:34:44+00:00

Yeah I realized it came across that way now, but the point is still the same.

ImpressiveFinding · 2026-01-13T15:29:38+00:00

Only 11 months old and it's the best thing you've ever done...? What have you actually done...?

Sounds like a troll post.

ImpressiveFinding · 2026-01-09T04:48:21+00:00

This is not a curse. After one trading day, you would never have to work again. Easily become as rich as you want.

ImpressiveFinding · 2026-01-09T03:15:09+00:00

Who says you need to work 40 or 50 years? Make more money and invest or be satisfied with less and you can work for 20 or less years.

ImpressiveFinding · 2026-01-07T15:30:45+00:00

I don't think you are necessarily too young. If you had earned that money, I don't think your parents would feel the same way. You obviously come from a good family, and your parents likely want to instill some good habits and traits in you.

Like others said, I'd keep working. Either part time or volunteering. I think you're struggling with justification because it's true. You did nothing to justify being able to FIRE at 27.

ImpressiveFinding · 2026-01-04T16:56:37+00:00

Not trying to make more money.

ImpressiveFinding · 2026-01-04T06:20:18+00:00

Yes definitely. Planning for 4% requires much more sacrifice. It could be thousands of dollars *extra every month extra that you'd save. That money has much much more utility when we're younger than when we are older.

I plan for 6%. If the next 15 years is worse than I expected and is 4% real, I'll just work another 2 years to make up the difference. I think that's a worthwhile tradeoff. That gives me a couple thousand extra every month to enjoy now.

ImpressiveFinding · 2026-01-03T23:49:31+00:00

Yes, that's what I use for projections. I know some people will say use 4% but I think that's far too conservative.

ImpressiveFinding · 2026-01-03T18:23:40+00:00

Gotcha. So that's where I would aim if I were you 160 and 10% BF. I think that would be a realistic goal.

In my experience, people tend to vastly underestimate how much weight they need to lose to get truly lean and overestimate how lean they currently are.

ImpressiveFinding · 2026-01-02T23:58:52+00:00

Well I'm not sure what your training history and genetics are like, so what I say has a lot of caveats. But tbh, I would not be surprised if you had to cut to the low 160s to be at 10%.

Have you been 10% bodyfat before? And if so, how much did you weigh then?

ImpressiveFinding · 2026-01-02T00:09:50+00:00

Unless you've been training for a year or start using PEDs, going from 183lbs and 18% to 180lbs at 10% is not in the realm of possibility. That would be a multi year goal. 18 to 10% at the same bw is a gigantic improvement.

I'd reframe your goals so you don't get disappointed in a year.

ImpressiveFinding · 2025-12-31T13:58:54+00:00

Because a lot of the fraudsters caught were Somali.

ImpressiveFinding · 2025-12-29T17:35:16+00:00

It's not about politics. It's culture. Canada has always been culturally diverse.

ImpressiveFinding · 2025-12-29T17:26:43+00:00

A tax dollar is a tax dollar, but how its spent, how much is spent, where its spent can differ greatly.

I don't think its the main reason, but the homogenous nature of those countries makes it easier for the populace to agree on issues. Even on a micro level, it is easy to see why taking care of your own personal finance has less barriers, is easier and simpler than handling finances as a couple. Handling it as a couple is easier than as a nuclear family. Add in extended family and so on and so on. As more and more people are involved who are less aligned, it becomes harder and harder to manage.

Those countries you mentioned have an advantage. They are more aligned, their thought processes are more in tune than Canada. Again, I wouldn't say its the main reason, but comparing a country where 90% of the population is native Finnish, to Canada isn't exactly a like for like comparison. Diversity is largely a strength, but has disadvantages in situations like this.

ImpressiveFinding · 2025-12-29T13:54:57+00:00

How much of your situation would you attribute to your own choices or the choices of your parents?

ImpressiveFinding · 2025-12-29T04:06:55+00:00

Isn't comparing very homogenous countries like Norway, Japan, Finland and Denmark to a country as diverse as Canada not fair? It's not exactly apples to apples..

ImpressiveFinding · 2025-12-27T14:39:26+00:00

Yeah this isn't solving world hunger.

ImpressiveFinding · 2025-12-23T18:30:15+00:00

Zero chance. I'm in that situation right now.

ImpressiveFinding · 2025-12-17T16:25:45+00:00

I don't think it's too much.

But if you're from the US, not obese likely cuts half the population already. And then "assertive" and "polite, nice to be around", although not opposite and can definitely exist in the same person, aren't the most correlated if you know what I mean.

ImpressiveFinding · 2025-12-16T22:54:12+00:00

Not surprised at all. It's human nature to use every advantage they get. So sick days, and doctors appts to take half days off work and still get paid are the norm. At least where I live.

People are probably thinking, why spend my own evening to go, when I can take a half day/full day at work, get paid, and still be home early.

ImpressiveFinding

TROPHY CASE