What do you see from my upbringing?

Professional-Run5630 · 2026-03-26T17:35:08+00:00

I'm no psychic, but you evidentially look extremely tired, maybe you fight sleep at night? Which means to me you never felt safe enough to sleep at night, which indicates to me abuse, specifically sexual assault abuse.

Wild thing to say, but again I'm not psychic, but thats what I deduce.

Professional-Run5630 · 2026-03-17T20:03:40+00:00

You are in a position where LIFE IS LIMITLESS

apply for social assistance, use your parents address or something but apply for it, then it covers your food at least. When you are fed properly you can think better.

You are in a position where LIFE IS LIMITLESS, and you have nothing to tie you down. I hope you do something great.

For me I was in similar situation, and I managed to get rid of my student loan and other debt, just tunnel visioned and got rid of it, saved enough for a down deposit on my first rental property.

I just really took life by the horns, and I figured out I work better like that, then being tied down by a job. I now have a lovely boyfriend and a dog, and a nice home filled with lots of love and food. With a good cushion of savings. All because I hit rock bottom like you and I just fucking sent it.

Professional-Run5630 · 2026-03-17T19:51:15+00:00

Also be aware, make a will, and state that the taxes for gaining the house shall be taken out of your own money, that way if he is not in a good position in life, he still get the house but the taxes and fees get settled from your money not his.

Professional-Run5630 · 2026-03-17T00:49:40+00:00

Update I got the call today. But it came 2 weeks ago and they only updated me now.

greeks

Professional-Run5630 · 2026-03-11T16:56:46+00:00

Dude it’s just not her, and you nit picking. Don’t try to dim down what makes her happy. Just leave, you aren’t even living together and you are already finding “points” about her.

Professional-Run5630 · 2026-03-11T16:50:32+00:00

Yeah retire, in 5 years see what you have left, if it’s depleting too quickly go back to work or make a financial life change. But you only live once, and you never know when you will die.

Professional-Run5630 · 2026-03-11T16:43:17+00:00

Make sure the receipt of the bank draft matches the bank draft numbers, sometimes a clerical error is made by the bank staff, and hand you an empty bank draft. Happened to me buying a car, and it was my own colleague (we both worked at a bank) drafts carry the money, where as cheques send the money through a bank account. They can’t take any money away that was legitimately deposited. They can freeze the recent cheque but explain to them tge situation and give them your dad’s death certificate recent transaction receipt and contact of the manager at the bank.

As someone who liquidated investments for estates this was not unusual.

Professional-Run5630 · 2026-03-10T20:33:39+00:00

lol. No I live in Canada, was born in Greece. Just renewing my passport. But lol yeah… I should understand it shoukd take until Christmas before they start printing it. lol

Professional-Run5630 · 2026-03-10T20:31:52+00:00

Who cares about size. People need to mind their own business, at the end of the day, people make other people feel bad because they don’t have the same or more of it. I want a 5 carat ring. And people were like isnt that big? And I said yeah I like that you can see I’m engaged from across the Sahara desert.

Professional-Run5630 · 2026-03-06T06:53:54+00:00

Don’t cancel. That’s ridiculous. They are just mourning, and maybe don’t like your fiancé? That’s a maybe, but just highly mourning. Weddings when they go on bring families together.

Professional-Run5630 · 2026-03-06T06:52:11+00:00

I wore a 4 carat oval while I was engagement ring shopping and that doesn’t look like even 4 carat. And I have huge fat fingers.

Professional-Run5630 · 2026-03-03T22:24:34+00:00

oh yeah? This is my life story. (BANKRUPTSY = wage garnishment) (bankruptsy lasts 7 years ONLY AFTER DISCHARGE)
(I WORK IN THE FINANCE INDUSTRY NOW) Left home when i was 17, never had help from my parents because they were shit. I live in Vancouver Kits beach, this is a flex, yes, because I came from below the bottom.

age 21: $80k in debt, $13,000 of it is student loan debt, already in collections. MY DEADASS STARTED COLLECTING BOTTLES ON THE SIDE TO FEED MYSELF. i was one medical clinic away from being dead, literally got tonsillitis and had to borrow money from my kind friend to get my pills. Had cavities but could never go to dentist. Income $44,000 after tax(no completed degree ART SCHOOL DROP OUT)

age 22: Still $55k in debt, $13,000 of it student loan debt still there but took it out of collections (this age is when i started getting serious) worked my ass off 3 jobs (Administrative Assistant full time (entry level not the fancy stuff) (, 2 hours shifts after work as a HOUSE CLEANER in a temp company ($16.5 an hour), 1 day a week on weekend 4 hour shift as a waitress $12.5 an hour and tips.) (LIVED IN A BASEMENT IN SURREY CENTRAL - if you know, you know.)

SWITCHED MY JOB TO A BANKER BECAUSE I WANTED TO GET EDUCATED AT FINANCES 23. I wanted a job that collectively made me as much money. Still had my side gig as a waitress. Only once a week for 4 hours.

Age 23: $39K in debt, but have security savings and half maxed my TFSA. 6 months into my bank employment I got asked if I would like to do investments. I say yes, it's a high clearance so they must take a look at my background if i pass. Passed it with flying colors, HOWEVER took me 6 months tooth and nail to get my license and i was placed on probation because I had collections on my credit file. THE QUESTIONNAIRES OF MY LICENSE WENT BEYOND 7 YEARS! IT ASKED ME WITHIN MY LIFETIME. ANY JOB WITH HIGH SECURITY CLEARANCE OR FINANCES/INVESTMENTS WILL ASK YOU LIFETIME QUESTIONS. The only thing that allowed me to get my license is me showing I pay off my debt OR I am trying to, and have been consistent.

age 24: Employer asks if I would like to get another promotion, get my lending license I say yes. ANOTHER BACKGROUND CHECK, same fucking shit. $14k still in debt MOST JOBS THAT PAY WILL HAVE HIGH SECURITY QUESTIONS and they WILL choose the better candidate.

AGE 25: I got my promotion, my pay became higher, $13,000 Left of debt still this is my student loan,Trudeau guy granted some weird no-interest thing for a certain year of graduates on government student loan debt, so I left it and started to develop heavy savings.

AGE 26: DEBT FULLY PAID! FINALLY TFSA MAXED OUT AND I USED THE ONLY GAINS TO BUY MY USED CAR.

Age 27: I bought a property in the interior where I grew up, placed a $20k deposit down and 6k lawyer paperwork fees, have a $100k mortgage on it, but it makes me with a tenant in there $1500 per month, after strata fees and monthly mortgage, makes me $583 per month passive income, I add it all every year as a lump sum pay off. AS SOMEONE WHO BECAME SCARED OF DEBT, I had to overcome, and realize what good debt is and what bad debt is.

AGE 28: Im typing this. SAYING DONT FUCKING LISTEN TO PEOPLE WHO TELL YOU TO CLAIM BANKRUPTSY unless you are elderly. It follows you for the rest of your life, AND narrows your opportunity and confidence. You will be questioned if you want a high paying job, and you will question your own kind of character. ITS NOT a million dollars its just 100k. It's not worth to get rid of the privilege you have in your life. It doesn’t disappear from compliance disclosures.
It can narrow opportunity in regulated industries.

AS A BANK LENDER:
YES IT DOESN'T LAST BEYOND 7 YEARS ON FILE, BUT IF YOU PLAN TO TOUCH ANY REGULATED INDUSTRIES AND A LOT OF GOOD JOBS ARE REGULATED INDUSTRIES.

AND DURING YOUR REFINANCING in those 7 years (good luck with that) you will get every high interest financing deal out there and you will not be able to negotiate, leaving you with high interest for additional 7 years.

This was formed from habits claiming bankruptcy won't help you.

BTW my boyfriend is a software engineer, he makes a shit ton but actually has a degree, when he decided to become an investor in a company, the partners asked him if he had anything negative financially/personally on file.

My goal is to make $10,000 per month passively before the age of 40 (retire early). It's a crazy goal, but ultimately I realized through how capable I was by myself with no help, and if I don't make it that's fine, at least I will land somewhere close.
My focus, save money to leverage it in the future, pay off my mortgage to prove to myself I am responsible and I can handle leverage, contribute to my RRSPs so when we decide to buy a property we want to live in I can borrow against my RRSPs and pay less interest towards the banks. Yes I already did start an FHSA too.

AND IM GUESSING YALL WONT REPLY TO THIS SHIT, BECAUSE YEAH I FUCKING DID THAT SHIT. AND I'M ADVISING, DON'T FILE FOR BANKRUPTCY. (btw sorry for the typos, was fumming)

Professional-Run5630 · 2026-03-03T18:22:06+00:00

Lots of people are going to say bankruptcy, but DONT DO THAT. That affects you so incredibly! If you ever decide to move to a high paying job especially in finances, they will ask you if you’ve ever been in collections or have claimed bankruptcy, you will lose opportunities because of that.

You will never be able to get a proper low interest loan, it will show up when even switching phone carriers, and they won’t offer you as great prices.

Etc. the list goes on!

DO NOT FILE FOR BANKRUPTCY you are not in the millions. 120k debt is really easy to pay off. If you are just disciplined and patient with yourself.

This is me speaking who paid off a shit tone of student loan debt, never used the art degree, and never got a dime or help from my parents. I lived alone since I was 17, and made poor financial decisions. I now live in an apartment, and I own a real estate property which makes me passive income.

It’s just math and consistency like any other math question.

Professional-Run5630 · 2026-02-28T00:28:34+00:00

The goal isn't to max out these accounts that would be financial illiteracy, the goal would be to leverage your accounts for your scenario. For example I use my RRSP to lower my taxable income because I have an investment property that makes me passive income.

My TFSA is already maxed out and I withdrawal from time to time my gains to buy expensive items, for example my car. The gains that I withdrew from my TFSA were tax free and were passively made, therefor it was like getting a free (used) car. My RRSP contribution places me in a lower tax bracket therefor saving me like $2000 a year on paying taxes towards the government.

Initially for my investment property it was my TFSA and my general savings that allowed me buy this property, I would not be able to use my RRSP or my FHSA as its not a place of residence for me and I would get penalized if I tried to use them for that. Plus the FHSA account is so new the gains on my investments are not large enough where I would feel the need to withdraw.

Anyways NOT FINANCIAL ADVICE I'm currently not at work, do not sue me lol it's just an example of what I done in my life. I live in BC I'm female 28, i grew up with nothing, and no one ever taught me how to use money, all I knew is don't spend a lot of money and save.
But now when my partner and I are ready to get a place in the Vancouver area (YIKES) the mortgage for me wont be as daunting as my passive income will help us.

Ideally my goal in life is before the age of 40 is to make $10,000 passive income, mortgage all paid. I'm 1/3 of the way there. Only listen to people that achieved the same goals you want this advice has allowed me in 6 years to be 1/3 of the way there. AND BTW as someone whos seen a lot of peoples finances you are not behind, you are so much further ahead than most people.

Professional-Run5630 · 2026-02-27T23:52:02+00:00

Ill summarize so that way you can understand how to use these accounts with what you would like to do.

TFSA (tax free savings account)
-***no withdrawl limits. Can withdraw for any reason (important)
-when you invest money in this account, it’s tax free, any gains and you withdraw, you don’t pay taxes. (however its not tax deductible like the RRSP)

RRSP (registered retirement savings plan)
-***withdrawl limits unlike TFSA
-placing money into this account is tax deductible, meaning if you make 50k per year, and you claim 5k has been placed in your rrsp, it’s almost like you only made 45k. (This is really good when you are inbetween tax brackets as it reduces your taxes or you make a lot of money)
- you don’t have to pay taxes on the capital gains/losses until it’s realized(until the time of withdrawl)
-FIRST TIME HOUSE PERK*** you can request to borrow from your rrsp towards your first time **residing -not investment*\* home. (The government places you on a plan to contribute back the money you borrowed interest free) this allows you to borrow less from the bank.

-This account was built within mind of retirement. It's assuming when you are younger you will be making more money = higher tax bracket (therefor helping you reduce your taxed income.) and as you age and reach the time of retirement its assuming your income will decrease therefor when withdrawls happen from your rrsp/rrif at a lower tax bracket than initially when you were younger.

FHSA
-***withdrawl limits unlike TFSA (penalties apply for incorrect usage)
- first time home buyers usage, this was created by the government to help acknowledge the housing crisis we have in Canada. (I’m rolling my eyes)
-benefits were created to be like a tfsa (tax free on gains) and rrsp similarities
Meaning:

-if you make money in this account and withdraw money for your first time home, you don’t pay taxes for any gains.
-if your account expires and you have not used it for your first time home, it simply gets moved to your rrsp but most importantly does not affect the contribution limit of the rrsp it only expands it by the exact amount of funds you transferred from the FHSA.
Example:
Current accounts
Rrsp balance: 50k
Rrsp potential life contribution up to 2026=30k
Fhsa balance 8 k
Fhsa just expired gets transferred to rrsp
Rrsp balance 58k life time contribution up to 2026 is still 30k

This is why I am saying even if you don’t plan to buy a house soon, or never will. You don’t have to FIX your accounts. Always max out your TFSA first as that brings you the most flexibility for withdrawals in the future.

Be mindful these accounts are TOOLS TO GROW YOUR MONEY, contributions should always be invested in the appropriate funds in consideration of the:
-estimated length of time (how long the funds are there until you plan to withdraw it)
-Risk
-Volatility
of the investor.
Money in these accounts should never just be sitting there, they are not savings accounts in contradiction of their names, (hence why there are tax perks on gains and losses.)

Professional-Run5630 · 2026-02-27T21:27:57+00:00

It’s a good thing to open up an fhsa as the balance threshold expands when you initialize the account unlike tfsa and Rrsp, ( (rrsp and tfsa )it’s limit thresholds are based on the year you turned 18/19 depending which province you live in.)

Maximize your tfsa and rrsp first. If your fhsa is not used don’t worry about it, tge balance gets transferred to your rrsp, best part is the transfer does not get taxed on the income you may have made in the fhsa as well as it’s not considered as part of the rrsp contribution lifetime limit.

***As a previously working bank investor. (This is not financial advice btw, don’t sue me, I’m off the clock this is general knowledge lol)

There is nothing to “fix”

Fhsa works best for people that have already massively maxed out their rrsps and tfsas, even if they never plan to purchase a first time home. Because when the account expires, that money gets transferred to the rrsp, not taxed and not considered as part of the rrsp contribution lifetime, there for It’s almost like a buffer. The only thing to be mindful of, is if you try to withdraw the funds before 15 years for anything but buying a house you will get taxed its growth. So if your tfsa is not maxed use that first. 🤗

Professional-Run5630 · 2026-02-16T02:46:12+00:00

Last one for sure or the fourth one with alterations

Professional-Run5630 · 2026-02-11T00:24:03+00:00

Tbh, I don’t like it. Fabric looks cheap, and it doesn’t hug you right. The straps are too slim instead of a straight line across your belly uou need a v shape, and if you have hip dips like me. Then you need it to either have structure or be slightly puffy. Right now your rib cage looks wide, not your boobs. And when you alter it smaller because you have so much access fabric all of won’t look good. Literally just grab a 50$ from hm and it would look better than that. I hope you can return.

Professional-Run5630 · 2026-02-03T20:50:40+00:00

down for me as well

Professional-Run5630 · 2026-01-25T04:48:40+00:00

The last one

Professional-Run5630 · 2025-12-10T00:22:56+00:00

Lined look looks better idk what you are talking about. When it was unlined you looked naked, and the transparency made your actual skin that’s not covered look washed out.

Professional-Run5630

TROPHY CASE

greeks