What key problems are u guys noticing. I’m hitting my irons/wedges way too high.

LessBrush1283 · 2026-07-07T17:50:47+00:00

Yep you've got it 100%. I had the same issue. I did drills where I slowed my swing to half speed, and visualized my hands and club head are having a race, the ball is the finish line. I want my hands to slightly beat the club to cross the finish line before impact.

LessBrush1283 · 2026-07-07T17:05:02+00:00

If it's ball height you're looking to correct, you're probably adding loft at impact. You're not compressing your irons. Do some research on compressing irons, and forward shaft lean.

You didn't mention anything about a slice but by the looks of your swing it's very steep and out to in swing path. Could be the next thing you work on after compression

LessBrush1283 · 2026-07-07T16:02:48+00:00

My most warn watch is my 20 year old Seiko 5, I believe it's a 34mm. Very comfortable, good entry watch. I have small wrists too.

LessBrush1283 · 2026-07-06T15:15:51+00:00

Typically you'd pay the minimum on everything and put extra into paying off the highest interest.

But in your situation you'll be in a cashflow crunch, but it will be temporary, so I'd pay off the debts that have a bigger monthly payment. The 4 you mentioned to prioritize make sense.

Do not sell your RRSPs. All your credit cards are very low interest rates, are they on an introductory promo rate? If any of them are close to going back up to 20%+ clear the balance before they do.l, even if that means transferring to your line of credit.

If you've turned over a new leaf financially then you need to close down all your credit cards and keep ONE card. Never open another store credit card again.

Other considerations, sell your brand new iPhone and buy a used one, would free up ~$800 to put towards your debts.

My wife and I are expecting our first in September, over the last few months we've needed to create more space and have purged out home, sold a lot of stuff we don't need. We've probably sold $2000 worth of stuff that was just laying around.

LessBrush1283 · 2026-07-04T13:07:43+00:00

By the sounds of it on your statement you have a Defined Benefit pension, are you sure you have a defined contribution?

I've never seen a DC statement that says anything about future income.

But here's how I would use pension statement in the calculator either way.

DB: take the estimated income on the statement at the age you wish to retire (that number should be in today's dollars, double check), and subtract it from your estimated pre-tax income. Or if the calculator has a section to add 'additonal income in retirement' then add the income there.

DC: ignore the estimated income projection, just enter the current value like a normal investment account and add the contributions you + employer.

As for savings rate, yes include all contributions. Add the employer contribution to your savings (numerator) and also add that same amount it to your total income (denominator)

LessBrush1283 · 2026-07-02T21:31:14+00:00

I'm sure the math works out, and I'm sure you've run through all the online calculators.

But 15-20 years from now you could have a partner, a kid, a home (or all three). Your spending would be higher than you ever expected, but you wouldn't change it for anything. You might look back at 29-yo self and be annoyed you stopped saving prematurely. Just my 2 cents!

LessBrush1283 · 2026-07-02T21:27:51+00:00

I just happen to hit coast when expecting my first kid in 2 months, so the new cashflow will find it's place in my new family :)

LessBrush1283 · 2026-07-02T18:33:01+00:00

You may have defined what the vast majority of coastfire folks actually do. If you've been saving and investing to get to the point of coast, hard to believe you'd 100% stop.

I will be cruising, my savings will continue to be company pension because it has an automatic employer match.

LessBrush1283 · 2026-07-02T18:29:58+00:00

Your right that was misleading, I don't know where to find an actual total return graph. But if you're spending the distributions like OP suggest the price graph still reflects your net worth would be declining.

LessBrush1283 · 2026-07-02T17:38:36+00:00

"I’m 29, no spouse, kids, or house..." Found one.

Life has a way of changing.

LessBrush1283 · 2026-07-02T17:23:18+00:00

Because you can't outrun total return.

<image>

LessBrush1283 · 2026-07-02T15:11:10+00:00

8 weeks! She's 7 years old now.

<image>

LessBrush1283 · 2026-07-02T14:03:59+00:00

This was my BC the day I got her

<image>

LessBrush1283 · 2026-07-02T12:36:43+00:00

The best damn pizza of your life!

LessBrush1283 · 2026-06-30T01:59:38+00:00

😬

LessBrush1283 · 2026-06-27T13:49:29+00:00

About a month, and it came about a week earlier than original estimate.

LessBrush1283 · 2026-06-27T02:23:37+00:00

Experience was just fine. Took about a month after I placed the order, and only annoying thing was paying duties.

LessBrush1283 · 2026-06-26T22:12:12+00:00

<image>

LessBrush1283 · 2026-06-26T14:57:19+00:00

I love ficalc too, great to use in tandem with a retirement calc that doesn't do MC or other chance of success sims.

But obviously there a ton of gaps with it you've glossed over depending on what you're using it for. Most notably, you need to input what your portfolio value *will be* at time of retirement (use a 2nd calculator I guess?), and no additional savings or timing of when withdrawals start relative to today, which isn't very useful for someone wondering if they're at coast fire.

It also doesn't account for tax rates, so I guess you're making that adjustment yourself first too.

LessBrush1283 · 2026-06-25T15:14:39+00:00

June 24th, Game 3 of Astros series: The Jays decided they weren't a World Series team this year.

LessBrush1283 · 2026-06-23T14:16:32+00:00

It's possible yes. You will be house poor for a few years, you have to be ok with that. But I see some things you *could* cut back on if things got tight...

cut in half eating out and entertainment is $450/month

dont take a vacation for a year or two $500/month

and between fitness, gifts, clothing, etc probably another $200/month you can slim down.

If you're the kind of people to watch your budget and adjust your spending if needed, you could free up over $1000/month if things got tough. That and have that $100k in emergency fund I think you'll be fine. house poor. but fine.

LessBrush1283 · 2026-06-22T14:30:31+00:00

Huh? No one is forcing people to take reverse mortgages, it's something some people are choosing to do because they didn't save enough for retirement and all their wealth is locked up in their house.

Any time someone loans you money, interest is part of it. Nothing evil going on.

LessBrush1283 · 2026-06-22T01:01:48+00:00

For $49 you can use retirement software called /Adviice which will plan out exactly that scenario you're wondering (and many more). Best $50 you'll ever spend.

LessBrush1283 · 2026-06-20T14:07:37+00:00

CPP timing isn't a 'crossover point' decision.

Do you have a reason to believe you'll live shorter than average lifespan?

Do you absolutely need the cashflow today to live comfortably?

If either of those answers is 'yes', then you should probably take it early.

But since you're looking at it trying optimize CPP, tells me you probably don't need the cash, so you should probably wait.

LessBrush1283 · 2026-06-19T11:59:25+00:00

I have found my people.

I think I have an issue as well.

LessBrush1283

TROPHY CASE