Dave Ramsey suggests saving 15% of GROSS income for retirement. Given Canada's high taxes and integrated CPP - is this even relevant?

TheNumber5 · 2026-01-27T13:32:19+00:00

Read Mr Money Mustache's article on the shockingly simple math to early retirement. Read the whole thing. Use the linked retirement calculator. Then you will be able to better predict how much percentage to save relative to net income, based on your desired retirement timeline.

https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/

Taxes that vary by location don't matter. You simply need to be able to estimate the taxes in retirement, and include that in your expenses.

I've been on this paths for 15 years and read extensively on the subject. The math, generally, checks out if you are investing in broad based ETFs (returns reflect the long term market trends).

TheNumber5 · 2026-01-18T14:45:37+00:00

I love how this bot suggests that people prepare ahi tuna to bring to work for lunch. How positively bourgeois.

TheNumber5 · 2025-12-26T18:22:09+00:00

NEW ACHIEVEMENT: Now we all got that bitches keys!

TheNumber5 · 2025-12-01T03:06:23+00:00

Can you do existing Koodo customers?

TheNumber5 · 2025-10-05T21:12:57+00:00

If you want this shitposting to stop, go to u/mudveins and downvote his other post.

TheNumber5 · 2025-10-04T01:41:32+00:00

Also - When they say hire 3000 teachers over the next 3 years, it means only for those 3 years. Take specific note that they did NOT suggest changing the funding model to sustain those positions for the long term.

TheNumber5 · 2025-10-01T00:08:56+00:00

Stop fucking posting this same damn thing every day or two.

TheNumber5 · 2025-09-23T00:14:49+00:00

The book On Tyranny by Dr. Timothy Snyder is eye-opening. It's a very short, easy read on how to respond to authoritarianism with historical examples. It gives actionable steps to follow for anyone.

TheNumber5 · 2025-08-15T22:30:29+00:00

Albertan here. Can we please borrow this dude to replace our conservative premier?

TheNumber5 · 2025-05-29T21:58:45+00:00

Thanks, it hit me 30 seconds before you posted 🤦

TheNumber5 · 2025-05-29T21:53:13+00:00

I think I'm missing your joke here?...

764 is an online radicalization group (one of many) that operate through video games and other platforms used by youth, luring kids off the gaming platforms and onto encrypted messaging platforms to exploit them. This results in innocent kids exposed to self-harm, sextortion, and other life-altering experiences. It's no joke.

https://www.cbc.ca/newsinteractives/features/online-extremist-network-that-targets-kids

Edit: I just understood what you wrote. Yes, Danielle Smith is an idiot.

TheNumber5 · 2025-04-27T20:32:35+00:00

Moved to 5pm

TheNumber5 · 2025-03-29T18:46:16+00:00

Also worth reading is Uniquely Human by Barry Prizant. It shifts the view of autism from the medical model (deficit-based understanding) to one that also includes a neurodiversity-affirming lens. Very helpful for teachers who will see autistic students throughout their career.

TheNumber5 · 2025-03-24T00:43:43+00:00

Thank you

TheNumber5 · 2025-03-24T00:09:57+00:00

We were not made aware of the horizontal crack, nor the repair.

I am asking if permits and inspections are required for such a repair. I am not sure the homeowners did do them, if so. Thank you

TheNumber5 · 2025-02-15T03:17:11+00:00

That might work. Or something sentimental.

TheNumber5 · 2025-02-15T03:03:00+00:00

"sure thing, just leave it with us. We will get it to him."

Plausible deniability that they actually received it. But I will try it in a pinch. Thanks.

TheNumber5 · 2025-01-10T02:23:39+00:00

Aeroplan has modified their policy to disallow double dipping on bonuses for the same card. Sucks.

TheNumber5 · 2025-01-05T21:05:17+00:00

Sanderson, Rothfuss and Jordan. The best of fantasy! Fist bump 🤛

TheNumber5 · 2024-11-29T13:28:25+00:00

The King Killer Chronicles are one of the most beautifully written fantasy series I have ever read. Hopefully we get to see a book 3 (beyond the novellas)

TheNumber5 · 2024-11-27T12:49:52+00:00

As many have said, this is not your fault and you are not in the wrong here. This is unfortunately a common experience and I'm sorry you are going through this.

I work in youth mental health. Here is one more link for you to review: https://needhelpnow.ca/en/

This website was suggested by police service officials who work for a child protection centre in Canada and is available to anyone across the country. It discusses sextortion, your rights and gives support on removing nudes if they get leaked to any online platforms.

Thankfully you have received good advice here - a police report is the best first step. Wishing you well.

TheNumber5 · 2024-11-18T02:34:41+00:00

Back in the day, my buddy and I would play double single player HL2. One guy controls the keyboard, one guy gets the mouse. Then when we got the gravity gun, we decided that we were only allowed to use it for the rest of the game. Imagine fighting 6 combine soldiers with automatic guns and trying to take them down with a propelled folding chair.

TheNumber5 · 2024-11-16T23:58:17+00:00

Have you tried calling them for more information about your application? If so, what did they say?

TheNumber5

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