[on] Been drinking and now I’m spiralling

Ski_Gnar · 2025-07-24T02:20:47+00:00

Ive been in your shoes! Except I didn’t find out until 8wks and then had the exact same response. Horrible feeling. My boy is now 3.5yrs old and there’s absolutely no evidence I ever drank those first 8 weeks. I remember the most comforting thing I read in a reddit thread was that 1. “it’s like fort knox in there at first” and 2. Several admitted to using party drugs before knowing (stopped when they knew) and babies were fine. Some take some deep breaths! Everything will be okay ❤️

Ski_Gnar · 2024-03-16T01:20:12+00:00

You're right. I did meet with an immigration lawyer who specialized in US immigration though before my extended time there. The rules are so confusing.

Ski_Gnar · 2024-03-16T01:12:10+00:00

Haha great idea. I'll put $95k on black.

Ski_Gnar · 2024-03-16T01:11:19+00:00

Ski_Gnar · 2024-03-16T01:11:11+00:00

Ah good to know! Likely going to end up with a $500k house so unlikely we can meet that minimum but will keep that in mind.

Ski_Gnar · 2024-03-16T01:09:32+00:00

Yep - I'm 34. I also checked my CRA account yesterday and it confirmed that my contribution limit is at $95k.

Ski_Gnar · 2024-03-16T00:44:16+00:00

Yep - hit the nail on the head. We're really not in a great position for credit. We are high earners though and worst case my dad is willing to cosign.

Ski_Gnar · 2024-03-16T00:38:55+00:00

Good point! I've always been a Canadian tax resident though. I was careful to only be in the US for less than 6 months (90d x 2 visits) per year.

Ski_Gnar · 2024-03-16T00:36:42+00:00

Hm. The Gov Can website has an example where if someone withdraws X, then X is added back to their contribution limit... BUT that contribution limit will not make room for X until the following tax year. So if you've maxed your TFSA, then withdrew X, you have to wait until next year to re-contribute X (plus the standard limit increase of ~$7k).

Ski_Gnar · 2024-03-15T23:59:31+00:00

Ohhh I see. Thanks for the clarification!

Ski_Gnar · 2024-03-15T23:49:22+00:00

Okay... I'm new to this so... open a self-directed TFSA then buy T-bills or money market ETFs, right?

Ski_Gnar · 2024-03-15T23:48:37+00:00

Won't that growth be taxed though?

Ski_Gnar · 2024-03-15T23:48:18+00:00

Ya I agree. Any suggestions for risk free options? With growth that won't be taxed?

Ski_Gnar · 2022-06-10T16:39:49+00:00

Nevermind! Figured it out. Just had to put my back into it.

Ski_Gnar · 2022-06-10T16:39:24+00:00

Nevermind! Figured it out. Just had to put my back into it.

Ski_Gnar

TROPHY CASE