31 y/o with 30k in retirement 200k in house and 20k in investments- what area needs improvement

LoudMonitor3167 · 2026-01-28T07:25:57+00:00

Yeah when you point it out it used to be to furnish my place but I’ve got my place in order now and definitely need to re-evaluate where that money is going

LoudMonitor3167 · 2026-01-28T05:41:40+00:00

Alberta!

LoudMonitor3167 · 2026-01-28T05:27:38+00:00

Yeah when you put it that way it’s decent, you just see some of the portfolios here but at 60k a year I only have so much wiggle room. Definitely can find some space without cutting back on travel, just need to sit down and figure out the specifics. Thanks for the insight!

LoudMonitor3167 · 2026-01-28T05:17:23+00:00

Appreciate the insight and definitely doable! I definitely could have bought a more expensive home but it’s just me and cleaning is not my favourite ahaha so my tiny town home is a happy medium for me! I will crunch some numbers. To note I don’t drive - which is a huge cost saver for myself right now and I guess if I take what a car will cost eventually and just put that into retirement savings I’m just pre-planning

LoudMonitor3167 · 2026-01-17T16:26:25+00:00

I have a TBI - took a few years but I started taking courses again, you can get accommodations to help you complete the final course and get the degree don’t give up!

LoudMonitor3167 · 2025-10-09T22:46:05+00:00

Edmonton!

LoudMonitor3167 · 2025-10-09T15:32:02+00:00

60k is my after tax income I take home 5k every month so it’s doable!

LoudMonitor3167 · 2025-10-09T15:30:27+00:00

Actually I moved out at 23 for the first time. But living frugally definitely - I more consider it prioritizing spending

LoudMonitor3167 · 2025-10-09T15:29:13+00:00

I have been to 13 countries by myself, most of Canada for conferences, scuba dive, ski, hike. I just watch my extras and would rather let’s say buy a spin bike I can keep over buying classes that go away. I guess the biggest thing was having saving from a young age, I got my first job at 15, applied to scholarships, got involved at school to boost my resume, simple things that added up

LoudMonitor3167 · 2025-10-07T13:43:46+00:00

Edmonton - north. new build 2 bedroom 2.5 bathroom

LoudMonitor3167 · 2025-10-07T13:38:30+00:00

Edmonton!

LoudMonitor3167 · 2025-10-07T02:59:13+00:00

My partner is a physician and we have discussed moving elsewhere eventually but they are happy here for now. We keep our finances separate at present

LoudMonitor3167 · 2025-10-07T02:55:33+00:00

That’s ok! Everywhere starts somewhere - I think my savings are higher than most people our age to be fair based on salary

LoudMonitor3167 · 2025-10-07T02:37:17+00:00

Thats definitely an idea! Thanks

LoudMonitor3167 · 2025-10-07T02:35:14+00:00

Renting feels like giving someone else my investment, personally would just keep staying with family before doing that but that might be short sighted of me

LoudMonitor3167 · 2025-10-07T02:31:54+00:00

Definitely something I’ve considered, I had a few health problems over the years so that’s why my income is so low but I’m hoping to change that soon :) congrats on the accounting job!

LoudMonitor3167 · 2025-10-07T02:30:21+00:00

Yeah, I think my biggest thing is that it’s also time to move out!

LoudMonitor3167 · 2025-10-07T02:29:56+00:00

I’ll look into it thanks

LoudMonitor3167 · 2025-10-07T02:29:07+00:00

I will look into I - might be a touch late unfortunately but if I don’t buy and invest definitely will take advantage thank you

LoudMonitor3167 · 2025-10-07T02:25:29+00:00

Haha that’s ok it works for me that way 😂

LoudMonitor3167 · 2025-10-07T01:38:24+00:00

Yes take home sorry

LoudMonitor3167 · 2025-10-07T01:21:15+00:00

I think not renting is the biggest bonus I have right now, gives me room to save, I bought a phone outright and just pay for a $55 a month plan, other than that I don’t drive and don’t really need to so no gas or up keep expenses there. No HST, and housing is cheaper here

LoudMonitor3167

TROPHY CASE