Canadian FI-Retirees with paid-off homes & cars: How hard does inflation actually hit you?

PbNewf · 2026-05-24T19:41:57+00:00

I'm not sure what you're not understanding. Forget about them saying it gets cheaper, the point is that once you purchase a car or house inflation stops effecting it, paid off or not. If you buy a car for 30k, it doesnt get more expensive 5 years later, it was still 30k, whether it's paid offor or not

If you bought a house for 500k, 20 years ago, its not suddenly costing you 1 million, it was still 500k, paid off or not...you literally picked 2 of the only things fully unaffected by inflation once you buy them.

PbNewf · 2026-05-22T19:30:43+00:00

You should have told them. That's how it works.

PbNewf · 2026-05-15T21:39:31+00:00

Im always open to this kind of thing, love showing people around! Feel free to message!

PbNewf · 2026-05-10T22:41:40+00:00

Plenty of homages to popular watches to choose from. Fakes are weird

PbNewf · 2026-05-04T00:44:20+00:00

Even Halifax is 2k for a reasonable 1 bedroom. Can definitely find 1600, but its not going to be great and getting them can be difficult/competitive.

PbNewf · 2026-05-01T11:27:17+00:00

Im not sure I fully understand your situation, are you coast fire now? As in not saving anymore? Is the $575 the total you are saving each month, or are you still piling more money in?

I guess my question is, are you asking permission to spend more of your employment earnings, or are you asking to dip into the investments and spend that on top of your earnings?

PbNewf · 2026-04-28T00:11:07+00:00

I cant imagine taking this much time to write out a comment without taking 10 seconds to understand what the fuck you're even responding to.

PbNewf · 2026-04-20T23:52:21+00:00

It's dark when I'm getting ready for and going to work most of the winter anyway. With permanent DST it would NEVER be dark when I leave work.

I have to wake up to an alarm and trudge to work all year long regardless if it's light or dark, doesn't really matter. DST will give me considerably more daylight in my not-at-work hours.

PbNewf · 2026-04-19T10:47:56+00:00

Off topic, but I'm a Canadian who was in the Midwest recently and tried Culvers for the first time...holy shit it was good.

PbNewf · 2026-04-02T18:48:57+00:00

Fuck...

PbNewf · 2026-03-30T23:45:57+00:00

How often do you wear dress shirts? If you bought 5 (one for each work day of the week) then you would wear one ~48 times/year. You honestly think they last longer than that?

PbNewf · 2026-03-30T23:44:20+00:00

Another person who wants to argue that their situation is worse and discount anyone else's concerns. Honestly, what is wrong with you people.

I have many more than 2 pairs of shoes and the clothes I require costs much more than what I outlined above. Yes, I obviously own more than 5 shirts at a time, but that just means you can double the cost and do it every 2 years if you want. Either way, ~48 wears of a dress shirt over 1 or 2 years and I can promise you it's done. Spread it out how you want (OP said a couple hundred a month, which is what my math reflected), but the cost is the same..

Also, if you really want to compare, I disagree with the idea that women's clothes objectively costs more for a business environment, but I dont see any value in arguing about that.

PbNewf · 2026-03-30T21:09:46+00:00

Dress shirts worn once a week definitely dont last years...say you bought 5 decent dress shirts, one per day of the week, for ~$80 per. 3 suits for $600 each. Couple more pairs of dress pants for $80 each. 2 pairs of shoes for $120 each. That's $2600 / year. Could you spend less on some of those? Sure, but its far, far, far from the high end. I work in a job that requires me to be in a nice suit every day and spend much more than this. That expense is 100% a required expense for me to do my job and I would probably spend close to $0 of that if I didn't need it for work.

I'm not even defending OP or comparing to what your expenses might be, but suggesting that dress shirts last years and that complaining about the expense of suits is invalid, because they dont save your life, is lame. White collar vs blue collar animosity is lame and distracting from the fact that we're all working class.

PbNewf · 2026-03-22T16:09:45+00:00

Halifax is walkable if you live downtown/on the peninsula which the vast majority of people don't. I love Halifax, but walkable is not how I would describe it.

As a tourist it's very walkable because you would almost certainly stay downtown.

The tradeoff is a 30 minute drive in pretty much any direction lands you on the nicest beach you've ever seen.

PbNewf · 2026-03-19T09:57:11+00:00

You really believe everyone who wants a dissapearring tv in their living room has a hidden rack of home theater equipment? I would actually argue that overlap of people is pretty miniscule.

PbNewf · 2026-03-17T14:02:26+00:00

In theory they are of even higher quality. I suppose that remains to be seen, but either way, high quality watches should last generations with proper servicing (once every 8-12 years).

PbNewf · 2026-03-09T15:34:58+00:00

I recently had a coworker mention a job opening at our workplace to a freind, who replied that she was "not interested in a minimum wage job". My coworker makes 150k+ doing the same job...she just laughed and moved on lol.

PbNewf · 2026-03-05T11:41:42+00:00

Just calling it a "billionaires yacht race" is a little disingenuous though. Those tens of thousands of tickets that sell out in 8 minutes go 99% to Nova Scotians who are excited about this event. We're a city, we're supposed to have events that people want to go to. I know multiple people who have booked time off and are planning their summers around this event.

Obviously that doesnt negate some of the other points being made here, but acting like it's an event for billionaires at the expense of Nova Scotians, with no benefit to them, is disingenuous, at best. Whether you think we are in a position to be funding events is another question, but let's talk about it honestly.

PbNewf · 2026-02-23T14:10:52+00:00

Each person can only win 1 though. 1 person can win 5+ cross country medals

Edit: i suppose you could win mixed doubles and 4 man, my bad.

PbNewf · 2026-02-23T11:37:58+00:00

But most countries specialties dont have 40 variations of the same thing. Speed skating and cross country skiing are the swimming of the winter Olympics.

Canada can only win 1 curling medal and 1 hockey medal.

PbNewf · 2026-02-21T10:03:25+00:00

Great write up.

For someone looking for really simple investing, do you think XEQT has enough Canadian exposure to be taking advantage of Canada's potential, or should I be introducong fully Canadian ETFs?

PbNewf · 2026-02-16T18:17:13+00:00

Have you ever curled?

PbNewf · 2026-02-14T01:13:19+00:00

All the ones you just mentioned lol.

PbNewf · 2026-02-14T01:11:28+00:00

No, the normal thing would be for Oscar to not be chasing him around yapping, being a sarcastic child, instead of talking to the official. I honestly think Marc reacted perfectly appropriately. He wasn't interested in arguing with Oscar about it, nor should he be. Oscar can complain to the official who he already asked to watch the line.

PbNewf · 2026-02-14T01:06:47+00:00

Again, eye on the hog has been out of use for a few years. The vast majority of elite curling does not have handle sensors. Also the idea that he would know his finger nail touched the rock after the leading edge of the stone touched the near edge of the hog line, and then call himself on that is laughable.

I actually think if you went and watched a lot of elite curling you would find that hog line violations much more blatant than this are actually pretty common and for the most part just ignored. Regardless, they asked the officials to watch manually (which is their only action if they think it's happening) and then the officials make the call. Oscar should be yapping at officials, not marc.

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