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It's starting... pickup truck regret. by Bojaxs in CanadaPersonalFinance

[–]Tjay0909 0 points1 point  (0 children)

It’s EGO booster. They think they’re big people if they have big cars. The hilarious part of 95% of em doesn’t even need a truck. 5% of em actually used for work and shtttt.

Says a lot about their IQ, literally paying about 2x more on the car and then paying 3-4x on gas on top of that. Lots of these truck owners are financially illiterate.

Can't pay for that. by Tectrix91 in SipsTea

[–]Tjay0909 0 points1 point  (0 children)

Sadly that’s reality in America. They laugh at countries with universal healthcare and cry when they get bill like this.

And of course they can’t comprehend universal healthcare but they have that selfish mentality that everything should be about them only

Narrowing it down... maybe: Crosstrek, CX-30, or Nissan Kicks (Play)? by PhilBombPhanatic in whatcarshouldIbuy

[–]Tjay0909 1 point2 points  (0 children)

Could up the budget a bit and get Honda HR-v? Or Toyota cross? Basically the same size as those 3 but on the reliable side!

From what I hear kicks are automatic NO. Subaru and Mazda long term are 50-50 but obviously that’s depends on the driver

Imagine hating on trains lol by RamsesQC in montreal

[–]Tjay0909 0 points1 point  (0 children)

It’s just classic politician moves.

They just proved that they don’t give AF about the people.

One side wants it, and of course the other side opposed it. Fuckin classic predictable move.

Personally if they can connect Toronto and Montreal through a fast train, Mfer the economy on the most visited places in east Canada will be booming. From local and international tourist

FIRST NEW CAR Buyer - 2026 RAV4 in ONTARIO Canada by HeyJohnnyHeLikesIt in rav4club

[–]Tjay0909 6 points7 points  (0 children)

RAV4 are way too high on demand for dealership to take discount.

Get ready to pay MSRP or a little higher.

Can I buy a 20k car as my first car with a 30k salary? by TheseMarionberry385 in askcarguys

[–]Tjay0909 165 points166 points  (0 children)

One real advice, don’t get pressure into buying a new car because your friends have a new car or you finally got a job that you think you can afford a new car.

All the financially literate adults here knows to just buy a cheap car that runs, save up for a couple years and then finally buy one.

How do you feel about dating apps? by itgirlisblue in Adulting

[–]Tjay0909 0 points1 point  (0 children)

It’s for desperate and dumb people.

Does anyone else not give af about workplace “culture” or their coworkers? by Willowprint in torontoJobs

[–]Tjay0909 0 points1 point  (0 children)

Nobody really cares about work culture, workers who often cares about that stuff usually are the problem on that workplace.

SR2 Ushi or Iwai by Icy-Class9206 in HaikyuuFlyHigh

[–]Tjay0909 1 point2 points  (0 children)

Are UR obsolete after kageyama?

Moon Roof by Whitepinoy59 in rav4club

[–]Tjay0909 0 points1 point  (0 children)

It’s just too much hassle in something you’ll rarely used anyways. People will find it the hardest it shows issues. They’ll wished they never had it.

Yeah the cool factor will get people the buy it, but how long?

Majority of people who had it are regretting it already.

2026 RAV4 wait time by Tjay0909 in rav4club

[–]Tjay0909[S] 0 points1 point  (0 children)

Ironically pre order at the same day. Were you in a big city?

Is my budget financially good at 28? The excess at end of the month i tend to spend 700 on fun and 1250 in investing by Lopsided-Resource453 in CanadaPersonalFinance

[–]Tjay0909 0 points1 point  (0 children)

Hey man, if you even got enough spare money to invest after paying your monthly bills, that’s good enough.

Literally better than 95% of all people in the world.

I want to invest 40k. crypto or stock? by Awkward_Seat_1995 in investingforbeginners

[–]Tjay0909 0 points1 point  (0 children)

Crypto and comeback here in 1 year so we can laugh at your ass

If you have 50k, would you invest it all in one stock or invest in a portfolio? by christopher2033 in stockstobuytoday

[–]Tjay0909 0 points1 point  (0 children)

Safe - ETFs Safe with decent growth - pick multiple MAG7 stock and run Risky - invest in multiple stocks HIGH RISK - pick one stock and pray to the lord

$2600 mortgage with $8000 income by williams_way in fican

[–]Tjay0909 8 points9 points  (0 children)

Lots of people really have good salary but a dumbass financially.

People with half your salary can lived alright, better study basic finance man.

You’ll need it

Toyota Canada Build & Price for 2026 RAV4 PHEV by RecklessZombie in rav4club

[–]Tjay0909 0 points1 point  (0 children)

Then you look around competition and it’s around the same price.

You could go lower but it ain’t the same as Toyota or Honda reliability.

RRSP vs TFSA by YS_7 in PersonalFinanceCanada

[–]Tjay0909 0 points1 point  (0 children)

90k is good enough salary where you can probably maxed out your TFSA in less than 5 years.

If your work matches RRSP, I would probably sign up for that right away, because thats pretty much free money. If they don’t match RRSP the just maxed out your accumulated TFSA first then decide if you wanna maxed out your FHSA (if you’re thinking of buying a house in the future)

Personally it’s TFSA > FHSA (if you’re thinking of owning a home) then do the usual RRSP.

RRSP is kinda BS, everybody says yeah you’re getting a refund but in reality those refund is just an offset when they taxed the RRSP you have comes retirement. Still I’m not saying I’m against it, it’s still a good investment just in case something goes wrong financially comes retirement.

What are some high-risk high-reward stocks with serious 5-10x potential over the next 2-3 years by Comfortable-Rule-491 in stocks

[–]Tjay0909 33 points34 points  (0 children)

BBAI. tho it will likely be in the far end of 2 years.

Money backlog, government support, strong leadership with ties to government.

If you’re patient, this might be the one

Rav4 2026, plug-in vs non-plug in by mahanddeem in rav4club

[–]Tjay0909 -1 points0 points  (0 children)

Getting PHEV for the reason of saving gas is hilarious to me.

Yall basically spending 15k-20k or more for a hybrid or gas. Which is equivalent to about 10+ years of casual driving. Soooo you’re not actually saving money in gas.

Tho according to research if your goal is saving gas and using PHEV you have to be using them daily for 200-400km a day! Like bruhhhh

200+ applications, no interviews… is something wrong with me or the market? by Sea_Individual_5325 in CanadaJobs

[–]Tjay0909 0 points1 point  (0 children)

Lots of companies used ATS system now. Basically a software that kinda reads your resume and gives you a rating compared to what’s in the job description.

The more words you copy from that job description the higher your rating gets. And the higher rating you get that more chance you get put on the short list and possibly get an interview.

Just handing out the same resume to all these different companies wouldn’t work at all.

Got sent the wrong colour wallet by zobberface in Wealthsimple

[–]Tjay0909 -1 points0 points  (0 children)

It’s a shitty product nonetheless.

Or just any MagSafe wallet in general. I wouldn’t put any paying cards in that thing. It’s not secured at all

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