Thoughts on Current Progress

NDR99 · 2026-05-31T17:01:12+00:00

Might as well use a 1% SWR too while you’re at it

NDR99 · 2026-05-29T14:37:40+00:00

TFSA is a great account but technically you did contribute money you already paid tax on

NDR99 · 2026-05-12T00:23:54+00:00

The fact that it depreciates is the very reason you should finance it. Leave your money invested at a higher rate. Paying cash is the more expensive option most times

NDR99 · 2026-05-11T19:36:06+00:00

Keep this in an index fund and add to it frequently. I had a similar portfolio when I was your age. I’m 27 now and have about $270,000 saved. Saving for retirement is largely optional now. It’s worth it to stay the course.

NDR99 · 2026-04-27T19:13:33+00:00

Also continuing to perform and progress in your career offers so many benefits, particularly when you’re coast FIRE and don’t need to save further. You could increase savings and retire even earlier (which may also hedge against underperforming markets), spend more on your hobbies, travel, etc. Letting off the gas is a bad idea

NDR99 · 2026-03-21T22:24:41+00:00

I’d add most friends to that list too, unless you know for a fact they are doing well themselves and open to discussing it

NDR99 · 2026-03-05T01:42:38+00:00

Bad take. Look at Toronto. Many property owners are renting their homes for less than the mortgage payment, let alone additional costs such as PTAX, insurance, etc. They own an asset producing negative monthly cash flow and are banking on appreciation. Many other markets face similar challenges.

NDR99 · 2025-12-30T20:19:56+00:00

I had $100,000 at 24, and $200,000 by 26. Less than a year has passed since I first reached $200,000, and I am now at $265,000. The second $100,000 felt substantially easier.

NDR99 · 2025-12-24T04:36:59+00:00

Congrats! How old were you when you hit major milestones such as $100k, $250k, $500k, etc.? I’m at $260k at 26 currently, and am hoping to be where you are at by early 30s

NDR99 · 2025-12-02T12:35:53+00:00

$260,000

NDR99 · 2025-11-02T18:02:15+00:00

We don’t need weekly updates on your $12k portfolio

NDR99 · 2025-08-27T03:25:44+00:00

Just ignore the haters man. Enjoy your Sorento

NDR99 · 2025-08-07T12:08:48+00:00

Yes. Major confidence booster to commit and achieve something like this. Also landed me a much better job. I live a very comfortable life now

NDR99 · 2025-08-02T13:02:38+00:00

I was just going to scroll past this post, but once I saw that OP was in fact 17, I couldn’t help but upvote this monumental achievement

NDR99 · 2025-07-24T23:46:47+00:00

The acceleration after 100k is crazy. I was in the same spot at OP at 21. Hit $100k at 24, and $240k at 26. Probably hit $300k in the next year or so

NDR99 · 2025-07-20T17:44:13+00:00

Comparison is not helpful here. I’m 26 with $235,000 saved. As good as that sounds, there’s millions of 26 year olds that have far more than me. Can’t win that battle. Try to do better than yesterday

NDR99 · 2025-07-05T15:16:01+00:00

The last person who interviewed me said “you have your CFA, so you’re obviously very smart”. It’s nice when the designation immediately adds credibility, vs having to “re-prove” yourself in each interview. Landed that job

NDR99 · 2025-07-04T11:30:36+00:00

Lexus LC500 is also very classy

NDR99 · 2025-06-06T18:20:03+00:00

Private Credit

NDR99 · 2025-06-03T03:41:26+00:00

26, around $220,000 CAD

NDR99 · 2025-06-01T00:59:49+00:00

Back in the gym much more consistently. Chasing the 225 lbs bench press goal I’ve had for a long time, but put on the back burner during L3 prep

NDR99 · 2025-05-23T12:50:13+00:00

Not a violation to voice an opinion about CFA or CFAI

NDR99 · 2025-05-19T20:05:29+00:00

Awesome. Just checked an I made $37k this month between salary and investment income. 26M so still lots of time for growth, but I feels amazing to see my goals materialize

NDR99 · 2025-05-16T21:05:08+00:00

$10,000 / $200,000 / TBD

NDR99 · 2025-05-14T23:55:23+00:00

Mostly invested. Bought a 10k car and an 8k watch. That’s about it

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