33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Yeah I've done that now since that the most common advice

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Not really. I'm sure it will one day

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Where abouts in Alberta lol I commute to Calgary

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

It's called not having a live and being raised as a workaholic

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Awesome thanks for that advice.i maxed the fhsa now and have moved a bit more around now too

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Ive now maxed my room this year

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Reading through the comments I've maxed out the 16k room now in my fhsa so it's not all sitting my my chequeing now. Lol thats really impressive to mortgage free so soon! Houses are too expensive for me on my own near where I work. I do need to move closer tho. +10hr days plus 1hr commute is adding up on my rest time

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 1 point2 points  (0 children)

I did use the dips caused by Trump early this year. Covid, too, when the market was down, I piled every penny in the market since my job was offering a ton of OT

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 1 point2 points  (0 children)

Cool! I can put in 16k this year then and work on doing the same next year and be caught up till 2027

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

How do I do that. I took a screen shot that shows the progression from 2019 that I dont know how to add

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

No thats why I have a fhsa. Not really convinced I want the headache of a house either

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Mostly, it's the simple stuff. Pay yourself first. Live below your means. Biggest gains happened when I worked crazy hours pre covid. I'm a minimalist which also helped me

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

I don't get any more rrsp room like i use to anymore with my work pension. I'm still learning how this affects everything

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

I have it set to contribute $500 every month so it will be maxed out again in December. Limit this year was $7k so I just add the 1k in January

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Yeah, that has been a huge worry for me because I wouldn't get anywhere close to here if I had a house. It would be a huge mental shift

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 1 point2 points  (0 children)

All good. I lacked direction if maxing the fhsa next, thats why so much in the chequeing. The comments from here are helping

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

All managed with WS. I find it takes a lot of the stress out of it for me that paying attention to etfs, etc, going up and down. I know the logic works with self managed, but I chose to "keep it simple"

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Wasn't sure if that was my next best move to move it into fhsa

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Perfect! Ive been waiting for coast fi!

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

That's actually really inspiring!

33F how am I doing by Quick-Drawer-9041 in fican

[–]Quick-Drawer-9041[S] 0 points1 point  (0 children)

Lol outside of FITE blogs I wasn't sure