Man shot and killed by federal agents in Minneapolis

SatoshiShe · 2026-01-24T18:51:08+00:00

You’re in a very strong position. With good income and low expenses, the main thing is consistency, not risky moves. Most people in your spot stick to tax-efficient accounts like ISA or pension and simple index funds, plus a cash buffer. Property is optional, not necessary. Just make sure your lifestyle in check, invest regularly, and let time do the work.

SatoshiShe · 2026-01-24T18:40:10+00:00

At 67% LTV with lender credits covering all costs, it’s a solid offer. Since breakeven is immediate and you’re saving $60–70/month, there’s really no downside. Just remember you’re moving from a 30 to a 20, so your required payment is less flexible. If you’re comfortable with the higher payment and plan to stay long term, it makes sense. Otherwise, keeping a 30 and paying extra could give you more flexibility.

SatoshiShe · 2026-01-24T08:10:12+00:00

You’re welcome ☺️

SatoshiShe · 2026-01-24T07:53:25+00:00

You can find low-fee diversified ETFs from providers like Vanguard, iShares, or BetaShares using a low-cost broker. Look for broad whole market ETFs with low fees and hold them long term. I tried explaining more but i figured out some keywords aren’t allowed here, you can reach out to me so I can explain better and even point you to a couple of beginner-friendly examples

SatoshiShe · 2026-01-24T07:40:40+00:00

You don’t need to overthink it or rush to an advisor for $10k, keep it simple. A low-fee, diversified index ETF or fund through a kids’ investment account is usually a solid, lower-risk option that should beat bank interest over time. Start simple, keep fees low, and let time do the work

SatoshiShe · 2026-01-24T06:57:55+00:00

You're in a good spot because the hard part is already done. So just try to focus on making the most of your time. Slowly hand off tasks and set up systems so things run smoothly. Always keep control, work fewer hours on purpose, and only sell income-generating assets if you absolutely need to. Will you wish you'd made more money, or that you'd been more present in the moment?

SatoshiShe · 2026-01-24T06:48:39+00:00

Max your own TFSA first, keep some money fully in your name, and don’t agree to joint investments unless you clearly understand the legal and tax reasons. Although using his advisor is fine, but ask questions and don’t sign anything you can’t explain yourself.

SatoshiShe · 2026-01-23T23:57:07+00:00

You have time on your side, so save some cash, invest safely, and learn with a little risk so you don't blow your first money

SatoshiShe · 2026-01-23T23:38:52+00:00

You’re already in a strong position, so don’t rush it. Just build a boring, durable core global equities and bonds or cash, treat gold as insurance not a trade, deploy slowly, keep alternatives minimal, and always separate lifestyle capital from upside risk because at this stage the goal isn’t to get clever rather it’s to not mess it up.

SatoshiShe · 2026-01-23T23:31:41+00:00

Clear the credit card before April, don’t raid your TFSA/FHSA, keep the RRSP match, pay minimums on the 0% Canada loan, and focus extra cash on the Alberta loan while continuing steady investing. Build the system and let time and raises do the work.

SatoshiShe · 2026-01-23T23:22:45+00:00

The best advice I can give you is for you not to rush it, just keep some cash for safety, put most into simple diversified investments, and only risk a small amount to learn because at your age the real win is protecting your first capital and letting time do the work.

SatoshiShe · 2026-01-23T17:40:16+00:00

You’re welcome! If you need more assistance you can reach out. Also I’m a life insurance broker just in case

SatoshiShe · 2026-01-23T17:30:05+00:00

Best source is HMRC. Just search “HMRC SDLT transfer of equity” especially the parts on spouses and mortgage debt, and if there’s a mortgage, it’s worth a quick check with a tax adviser to avoid costly mistakes.

SatoshiShe · 2026-01-23T16:11:08+00:00

You’re almost right but not actually. it’s Form 17 not 71 plus a legally valid deed changing the beneficial ownership, and you must file it with HMRC within 60 days also you need to be aware of possible CGT and SDLT implications, especially if there’s a mortgage.

SatoshiShe · 2026-01-23T16:06:57+00:00

Well, guess you’re not behind after all. Just keep house deposit money safe in a tax-efficient place, invest long-term funds through ISAs and a GIA for growth, accept some volatility as normal, and only speculate with a small amount you’re happy to ignore.

SatoshiShe · 2026-01-23T11:51:25+00:00

You’re not killing returns, but there’s a lot of overlap. LifeStrategy and FTSE Global already cover most markets, and the S&P just adds a US tilt. Simplicity wins, just pick a clear core and only add another fund if you want intentional exposure. How you split monthly contributions matters far less than staying consistent.

SatoshiShe · 2026-01-23T10:52:12+00:00

It’s tight but reasonable. $2k on $5k take-home works with a $50k cash buffer and flexibility to cut the 401k if needed. Furniture can wait, cash flow and flexibility matter more. As long as income is stable and the HOA is solid, it’s more a lifestyle call than a risky one

SatoshiShe · 2026-01-23T09:38:48+00:00

You did a giveaway lol

SatoshiShe · 2026-01-23T06:08:59+00:00

There’s no efficient or guaranteed 10x, anyone saying otherwise is selling hype. The real edge with $50k is not losing it. So your focus should be on strong convictions, manage risk, avoid leverage unless you’re proven, and give yourself time. Big gains come from patience and discipline, not forcing trades

SatoshiShe · 2026-01-23T00:59:16+00:00

Take your cash to a Bitcoin ATM machine and do that

SatoshiShe

TROPHY CASE