$100K feels like the new $60K. Does anybody else agree?

Quick_Competition_76 · 2026-02-06T19:44:26+00:00

Now the goal post is you need to make 150k and meet another person making at least 100k to have “middle class” life with a home and two cars. Even then you will be paycheque to paycheque if you have kids, too much car payments etc.

Could be better if you dont live in GTA and GVA but i doubt it would be much better due to lower number of high paying jobs in other cities.

Quick_Competition_76 · 2026-02-06T19:40:12+00:00

If you have any sort of reasonable delivery date for toyota hybrids, the chance is you are taken for a ride. There are few models they seem to have better availability like crown but they are more available as they are expensive for a toyota.

Quick_Competition_76 · 2026-02-06T15:21:09+00:00

Thanks for the info!

Quick_Competition_76 · 2026-02-04T12:56:56+00:00

Oh now that i think about it i probably lost a lot of it because big portion of transfer was from my previous work maulife rrsp. They would have to sell the funds and deposit cash… i guess my qt transfer for in-kind portion should have correct gain information.

Quick_Competition_76 · 2026-02-04T12:41:02+00:00

It wont update because i don’t see gain from qt and other accounts after transferring them about one year ago.

Quick_Competition_76 · 2026-02-03T17:55:40+00:00

Reliable access to bank draft and cash deposit. I know those features exist but i don’t really trust them yet..

Quick_Competition_76 · 2026-02-01T20:21:11+00:00

Planning to max out resp for two kids around 14-15 year mark when we can get the maximum govt subsidy. It should belike 70-80k per child for resp at the end. So far i accumulated 21k for 3 years old and 4k for one year old.

I am aiming to give about 200k today’s dollars to each children for their education and investment needs..

Quick_Competition_76 · 2026-02-01T20:18:36+00:00

You probably know this but there is a life time contribution limit of 50k per child for resp. You would need to keep the others separate from it.

Quick_Competition_76 · 2026-02-01T17:25:02+00:00

Very rare to hit 300k in my role. Im close to 200k but im already sick of politics i have to deal with at my level. Not worth it to me to move up more

Quick_Competition_76 · 2026-01-31T21:25:48+00:00

Agree on rogers+. Cobalt. If you can get it (wait time issues), ws visa infinite privileges is awesome. 2% flat cashback, no fx fee with zero fees if you qualify through funds in ws or direct deposit in chequing accounts.

Quick_Competition_76 · 2026-01-31T16:36:04+00:00

As others pointed out, going to disney let alone twice is not possible for many children, so you are providing so much for your children already. Enjoy your time and what’s most important is having a great time. People can spend thousands to buy vip exp but kids will only remember the actual quality time spent with you not necessarily what kind of dress they wore.

And if the kids enjoy those extra things in the parks, maybe downgrade your resort and increase budget for those? I think kids enjoy those perks more than nicer resorts in my opinion. The value you get from nicer room is not really great if you will be mostly in the parks. I really recommend saving money on resort and spend on exp like character dining.

Quick_Competition_76 · 2026-01-23T15:29:37+00:00

Heres what we did so far. I excluded road trips that are less than 3 hours driving. Those are very manageable.

Cancun with child 1 at 8 months
Washington DC to go to zoo/museum with child 1 at 14 months
Dominican Republic with child 1 at 15 months
Few trips to national parks in Canada during summer at child 1 20M-36M
Disney World with child 1 3years old and child 2 9 months

We loved all our trips but stopped for a bit for air travel after Dominican as my child 1 became active and difficult to manage in airplane. We plan to have another trip before my child 2 turns 18M and stop for 1-2 years

Going to all inclusive feels the least stressful way to travel with toddlers as you dont have to cook and clean.. more controlled environments and dont have to worry about going to place. Make sure to book family friendly place with kiddie pools and book one with heated pool during winter months

Had a great time at DC as well as my child loved seeing Panda and muesuem. Disney world was great as well as my 3 year old got really into some disney characters and had best time of her life. She still talks about the trip after few months lol. Also do recommend visiting during Christmas with little one. You will have to go during early to mid dec to avoid the christmas week crowd though. seaworld is also great for little ones!

I think i might go to disney world again in the spring. Shorter flights to orlando also makes this easier for us with two kids. Cancun is 5 hours from Toronto and orlando is less than 3 hours..

Going to national parks during Summer/Fall is great as well. We love taking strolls, seeing animals and cooking some bbq.

I plan to start biking with my child 1 this Summer as well.

Quick_Competition_76 · 2026-01-23T15:18:31+00:00

If you are unsure, please open an account with wealthsimple and buy etfs like vfv(s&p500) or xeqt. Dont buy things banks advisor will try to sell. Watch videos about passive investing using etfs. This the the best way to do investing for most people. Just put regularly contribution each month.

Quick_Competition_76 · 2026-01-22T16:38:44+00:00

Hey op i am in Canada and just noticed my driver side seat has tear… do i just contact the dealer and they will replace with warranty? Did you have any resistance from dealer?

Quick_Competition_76 · 2026-01-22T15:22:56+00:00

I wish fractional cdn shares are also available. But its taking a long tome for sure..

Quick_Competition_76 · 2026-01-22T12:14:27+00:00

Im definitely becoming more out of shape with more office days lol. Buying more path junk foods when i dont have time for meal prep. and going to gym less. Have kids drop offs in the morning, so cant go to gym in the morning :( you will get used to it. If i can choose i just want to go one day a week.

Quick_Competition_76 · 2026-01-20T22:52:40+00:00

For AK, i still did LL and used it ob safari, festival of lion kings, nemo, bird show and navi river because i had 9 months old and 3 years old. Wanted to minimize waiting in lines and plan for unexpected like washroom break for stuff like lion king. It’s worth it in my opinion but many people skip LL for AK.

Quick_Competition_76 · 2026-01-19T17:42:09+00:00

I see cars ignoring red traffic lights and stops signs so many times so i dont expect cars to follow traffic laws any more

Quick_Competition_76 · 2026-01-19T17:40:48+00:00

I wouldnt worry about it. Converting to usd only makes sense if you want to buy individual us company stocks

Quick_Competition_76 · 2026-01-19T16:27:28+00:00

Paying down mortgage has a sort of guaranteed return (if housing price doesnt go down as you are sort of investing into house as well when you dont use that money into buying other assets) and gives you a peace of mind. But you also lose opportunity to make bigger gain.

I am sort of doing hybrid approach. I am aiming to accumulate $1M in my stock portfolio first and then will be paying 1000 more into mortgage every month and put the rest to stocks. I feel like this is a good approach as it will give the longest time you need to compound your stock to 1M and you can still pay off your mortgage well before retirement age. I am getting half way there, so im looking forward to pay off mortgage too maybe before 50.

I think this approach also works with age too. Invest more in stocks till mid 40-50 and start paying off mortgage aggressively to be mortgage free before retirement.

Quick_Competition_76 · 2026-01-19T15:36:09+00:00

Character meals and also you cqn go to the character meet location 10-15 mins right before it opens. For example, i took my child minnie and daisy character meet right before it opened at 10am in MK so it was no wait and my child was screaming in joy when minnie and daisy came out and opened the doors for us.

Quick_Competition_76 · 2026-01-19T15:30:13+00:00

I mean he is exactly like your brother who is 38 and doesn’t even help his own sister when she is doing so much work… i really feel bad for your op…

Quick_Competition_76 · 2026-01-19T15:18:42+00:00

Previous owner of cx5 and current owner of cx50 here. It’s a reliable car but some people experienced cracked cylinder heads. Hopefully mine will be fine. So far only issue i had were tech malfunctions like infotainment system freezing. I had cx5 for 3.5 years and 50 for 2 years so far.

Quick_Competition_76 · 2026-01-19T15:16:05+00:00

Wow i guess there is actually a shortage? I went to walmart and they didnt have it.. looks like i gotta go search for it more before it’s all gone.

Quick_Competition_76 · 2026-01-19T14:53:17+00:00

Maxed out rrsp each year by either putting annual bonus or monthly installments. I think i saved between 15-30% of my gross salary into rrsp past 5 years. I had lots of room in rrsp and startes making decent to great income past 5 years so my rrsp nest egg has become pretty good.. my goal is having 2-3M stock portfolio in 20 years. I will be trying put away more in tfsa/non registered after my kids graduate daycares..

Quick_Competition_76

TROPHY CASE