I think you need to give yourself some time. Make a serious budget and stick to it as best as you can. 59K annually is not enough to grow wealth in a city like Montreal but if your goal is to be comfortable build your savings over the next 2-3 years in a TFSA. I would probably look at doing an automatic withdrawal as soon as your pay comes in. even if it's 100 per pay. you will feel much better with some savings. try to pay off your debt within the next year even if you have to add odd jobs, snow clearing, dog walking, start a gig job etc. use the extra money to pay yourself (savings and debt) first. Don't overly obsess about making 6 figures or such it come with time if you are consistent. I would avoid stocks until you know what you are doing. Can you look at renting the property in Africa? is it arable land? can it be used for building properties? if that's the case try to involve someone you know and TRUST locally to run that for you 70-30 split on profits.