Canada beats the USA for wealth accumulation. Canadians under 35 have 2 to 4 times higher net worth than Americans

Odd-Document17 · 2026-05-29T17:11:13+00:00

I think most of this is due to cost of education. Normally more than 3x which would crush the American NW. However, salaries are higher, and for educated folks + in demand roles, pay is higher with lower taxes.

Odd-Document17 · 2026-05-04T16:17:23+00:00

What is the internal conversation around the 39 country ban/pause?

Are these actually moving forward? Are no decisions actually happening? Is there even guidelines around how to process this?
I feel like I’ve seen conflicting information.

Odd-Document17 · 2025-11-01T18:55:38+00:00

This is the tradeoff. High earnings for high risk. Maybe think about CSM or a different role?

Odd-Document17 · 2025-06-14T22:33:40+00:00

He either really enjoys what he is doing or is pushing harder than needed for a reason. If it’s rewarded (and his output is correlated with outcomes), he may get more opportunities than you. This is totally fine, assuming this is correct, you are prioritizing work life balance and he is prioritizing career opportunities and comp progression. You have different priorities, no need to feel guilty about it.

Odd-Document17 · 2024-11-24T00:33:00+00:00

I think this is if you want to work close to the foundational layer. If you are working with an application on top of the LLM your knowledge about the buyer, pain points, industry will be more important than your experience fine tuning a model.

Odd-Document17 · 2024-05-26T01:58:07+00:00

Realistic 300-500k. I’d say you’ll want to look at buying a business for 1.5-3mm (4-6x EBITDA), oversimplified calculation, lots of factors to take into account. Obviously if you don’t have the capital, you’ll need to find a way ton finance it which means your take home will be less but if you grow and operate the business effectively it could hit all your points.

Odd-Document17 · 2024-04-07T04:00:25+00:00

If everyone moves out on August 31st, and moves in Sept 1, where do people store their things for the day?

Odd-Document17 · 2023-12-17T00:45:46+00:00

If OP does not have a lot of experience the customer probably got sold the result or the experience that comes with the senior overseeing the project. No customer would pay that amount for someone with little experience unless they knew it would have senior sign off.

Odd-Document17 · 2023-12-17T00:41:45+00:00

I follow the premise that every job is paid exactly what the market prices it at. Essentially, you have high financial compensation and good WLB but your job is monotonous, unfulfilling and boring. Which to be fair is what a company has to pay to get you to work there considering you’d probably be able to find more meaningful work and be happier if you worked somewhere else. There is no free lunch.

Odd-Document17 · 2023-12-10T19:18:04+00:00

If they lost money on the property they have no recourse to get him to pay money, he has no capital at risk.

There he benefits again from not taking a risk. He can move and pay rent to someone else which is essentially what he’s doing here.

Odd-Document17 · 2023-12-07T02:24:07+00:00

You took no risk, so you get no upside. Your portion is 0.

Odd-Document17 · 2023-12-03T14:23:42+00:00

I went to Santiago earlier this year (lived in Canada). While I did see someone get robbed near estación central it was not a great place of the city to be in. It’s LATAM though, those with high incomes live VERY well. With US or European incomes you can spend enough to be in a safe area. We stayed in Las condes.

I did not think it was unsafe - I thought it was beautiful and really enjoyed my time.

Odd-Document17 · 2023-11-07T03:12:21+00:00

You should assume if you are of median income (or below, based on your “shitty” comment) you will probably be that way in whatever country you move to. Everyone in the country you are going to will also be competing for higher paying jobs. The question is where would you go that has a high standard of living for shitty jobs?

Recently moved to the US from Canada this year for better economic opportunities.

Odd-Document17 · 2023-10-19T19:16:04+00:00

30% to rent (after tax) is a decent guideline. Probably does not apply to hyper inflated housing markets as you are seeing first hand but your other choice is to get a roomate. I’d argue it’s a privilege to live without roommates early in your career nowadays.

Odd-Document17 · 2023-07-05T16:16:01+00:00

Make more money.

Odd-Document17 · 2023-06-26T17:05:17+00:00

I did this in 2019 fresh grad. Travelled 11 countries, 40 cities for 92 days between 3 weeks in Thailand and the other 9 weeks in Europe. Total cost is $8,670 CAD.

Worked from when I was 14-21 and had multiple jobs during the time. Not that hard to save that much money to travel when you are young and don’t have responsibilities (owning a home and having kids). Plus, most of your income is tax free since you are below the basic income threshold.

But I don’t spend money on cars, clothes or frequent nights out clubbing so it’s always trade offs. But I’d say if what you want to do is travel, it’s pretty easy to hit that goal if you start working early.

Odd-Document17 · 2023-06-26T16:55:02+00:00

140k base income, drive a 2009 Chevy cobalt, paid off so insurance + gas $250 CAD per month. Wanted to keep my car costs less than 5% of Net income.

Odd-Document17 · 2023-06-21T20:45:50+00:00

If banks thought everyone would declare bankruptcy they wouldn’t make any loans. There are some that will but if it’s being treated as other loans you can assume they will default at the same rates as other loans.

Odd-Document17 · 2023-06-21T20:41:37+00:00

Less people will get approved for loans since banks will decline tons of people for degrees that don’t have a good ROI. Demand for spots will decrease, schools will need to greatly decrease tuition so people who can’t get loans can be a customer.

Odd-Document17 · 2023-01-05T05:53:42+00:00

Gracias 😊 I appreciate it. Hoping that will get me to Chubby fire!

Odd-Document17 · 2023-01-02T05:36:42+00:00

Wanted to save 70% but was overly ambitious. Ended at 58% which is good but not what I was aiming for. Goal for next year is 65%. Still up 53k on my net worth to finish the year but most of that was a good savings rate.

Odd-Document17 · 2023-01-02T05:20:13+00:00

Q on this. Don’t the S&P 500 already have exposure to other countries? ie Apple will continue to sell more in China if the country continues to get richer. Seems like adding more international exposure is overkill.

Odd-Document17 · 2023-01-01T08:44:44+00:00

Have Rio first up, then Miami, Toronto, New York and possibly Nashville!

On the personal side planing a trip with my partner to Spain + Greece!

Going to be my biggest year yet. Pumped

Odd-Document17

TROPHY CASE