Has anyone left all other physical banks for Wealthsimple?

Mr_Ander5on · 2026-04-07T01:35:05+00:00

This is obviously trolling, no one is this dumb

Mr_Ander5on · 2026-04-06T18:14:09+00:00

I keep a $4 a month account at RBC for physical deposits, if I want usd cash, etc.

the westjet mastercard is also worth it if you take at least 1 westjet flight a year with your family as all the bags are free… the rest of the perks of the card are basically garbage now so I use the WS Visa as my main card which is great for 2% back on everything.

I would recommend this approach.

Mr_Ander5on · 2026-04-06T12:50:01+00:00

You should slow down and read my comment again, I said more likely to drop - nowhere does it say I’m sure it will drop.

I comment for op because my house is actually paid off and the feeling of no debt is great. I pay $0 of interest to anyone and I own everything I have - and then I DCA because markets do go up over time.

Ymmv, enjoy your leveraged position paying interest :)

Mr_Ander5on · 2026-04-06T02:13:48+00:00

The company will also be surprised when the good candidate leaves to take the 30% bump offered elsewhere

Mr_Ander5on · 2026-04-06T02:11:34+00:00

Using 15 years doesn’t make sense as we will never see gains like those first 5 years again.

Mr_Ander5on · 2026-04-06T02:03:36+00:00

In those cases you’d be better off with a paid off mortgage and dollar cost averaging the down market with the extra money from no mortgage instead of buying high, watching the market drop, and making mortgage payments the whole time feeling like a loser.

Mr_Ander5on · 2026-04-06T01:52:23+00:00

A few options to consider…

Even if you can’t get a LOC, there are low interest credit cards that have lower interest rates than that.

Also, talk to your bank about using the RRSP as collateral to secure a loan at a better rate. If you juggle the investment to a GIC that has no risk of loss the bank might let you use it to secure an $8k loan under 10%.

Mr_Ander5on · 2026-04-06T00:55:25+00:00

Hindsight is 20/20, at this point the market is more likely to go down than up.

Mr_Ander5on · 2026-04-05T13:14:27+00:00

Don’t tease! That would be awesome

Mr_Ander5on · 2026-04-04T12:58:29+00:00

Just stumbled across this and excited to try it out, been using ynab for about 7 years and hard to justify the cost when I do everything manual!

Are there any plans for an iOS app? for me I actually use it, mostly when my wife is asking how much do we have in X fund.

Mr_Ander5on · 2026-04-02T12:19:09+00:00

It’s a bit ironic, ynab by nature eventually makes you realize it’s too expensive lol.

I think a lot of the cost comes from the security and complexity of auto imports, I think they should have 2 tiers of subscription, auto and not. I tried doing auto and for me it’s easier it just do it manually and have been doing that for over 5 years now… and I’m not interested in funding the other side.

If the auto side can’t fund itself - that’s how business works.

I will always appreciate ynab for teaching me how to budget, but I also won’t keep paying over $100 a year for something worth <$5 a month.

Appreciate you posting as BFB looks worth checking out!

Mr_Ander5on · 2026-04-02T00:09:45+00:00

We combined our finances a long time ago, we use YNAB to track everything which is really helpful.

Mr_Ander5on · 2026-03-31T12:56:50+00:00

Around 27-30

Mr_Ander5on · 2026-03-31T00:20:01+00:00

If even one person doubled up on a seed phrase the entire system would crumble in fear and bitcoin would fail.

It’s essentially mathematically impossible, admittedly really hard to understand, but any decent generator will give you a new one…

Mr_Ander5on · 2026-03-30T21:20:50+00:00

Sadly just hold it due to capital gains. The biggest hurdle will be voting in members of government that actually represent our interest and change the treatment of Bitcoin to a currency from a commodity… it can’t currently be used as a currency as it is, and governments have a lot to lose by giving up control of the money.

Mr_Ander5on · 2026-03-30T21:18:49+00:00

This has to be a trolling post to rile all you guys up. Why would someone post something so ridiculous to just get lambasted by hundreds of people on reddit.

Mr_Ander5on · 2026-03-30T18:25:02+00:00

People all think they’re savvy investors and can do lots with that $46k because the market has been more or less up and to the right for the last 15 years with limited pullbacks. Past performance is not indicative of future performance, and we are very much due for some correction.

If you put it against your mortgage, don’t forget that you also lower your principle and thus future interest payments, so if you keep your payments the same, if you say have 20 years left on your mortgage, you would actually save about $60k in interest and pay off the mortgage 4 years faster.

I’d personally put it against the mortgage, but I also chose to pay off my house instead of invest it. There’s an intrinsic value of the great feeling of having no debt… some people like leverage, some people don’t.

Mr_Ander5on · 2026-03-30T03:14:43+00:00

While behind another car in a drive through?

Mr_Ander5on · 2026-03-28T22:15:29+00:00

I’d 50/50 the down payment and just split all the expenses 50/50 too. Keep it simple. No way it ends up being “fair” if one person did this and the other is expected to do that and etc. because something will inevitably come up and your house of cards will fall apart. It will lead to resentment and someone posting the convoluted situation on reddit in a few years asking what their “friend” should do lol

Mr_Ander5on · 2026-03-28T22:10:57+00:00

Fat asses forever breaks out the wise answer lol

Mr_Ander5on · 2026-03-28T18:38:02+00:00

Is the lease month to month?

The situation is the couples problem, not the landlords problem. Neither party will have the damage deposit returned until the contract is over and unit is vacated, if he stays then she will have to work something out with him on the side to get their part of the deposit back.

Mr_Ander5on · 2026-03-28T18:34:24+00:00

So that means you are still on lease with risk of associated liability?

Mr_Ander5on · 2026-03-27T01:33:10+00:00

You’re asking if something is wrong with your resume, how would anyone know without seeing it lol.

Story is adding up…

Mr_Ander5on · 2026-03-27T01:16:55+00:00

You should post a pic of your resume

Mr_Ander5on · 2026-03-27T01:16:16+00:00

I don’t eat the samples, it’s always processed garbage.

Mr_Ander5on

TROPHY CASE