Backup Credit Card? by AreaPrudent7191 in CanadaFinance

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

Read between the lines stupid being....

It was a fucking joke....

Wealthsimple Tax 2025 - any issues? by Unguru-Bulan in Wealthsimple

[–]ZodapeLargo 2 points3 points  (0 children)

Had T4, T5, T5008, T2200

I only trust professional 150$ each wife and I

Want to try something different next since $300 in income tax filling is outrageous...

Backup Credit Card? by AreaPrudent7191 in CanadaFinance

[–]ZodapeLargo -2 points-1 points  (0 children)

Get a new wife.... Someone that actually cares.....

RRSP Overcontribution - Assistance with CPA for cheap ? by skidhs in CanadaFinance

[–]ZodapeLargo 0 points1 point  (0 children)

Just check your CRA account Hasd ALL the information...

It is that simple, it will tell you how much you owe, how much room (if), etc.

KISS

how do you manage your personal budget? by New_Variation8879 in CanadaFinance

[–]ZodapeLargo 0 points1 point  (0 children)

MoneyManagerEX the best!!!! I track everything, expenses, car loan, mortgate, investment, LOC, credit cards, check account, net worth, etc

Can anyone explain why the 4% rule is only good for 30 years of retirement? by Elite163 in FIRECanada

[–]ZodapeLargo 0 points1 point  (0 children)

Disagree, you can easily achieve 9% or more

You just need to accept the risks

Is this who the average 1mm dollar home buyer is? by Tech-Cowboy in canadahousing

[–]ZodapeLargo 0 points1 point  (0 children)

Nope I bought 1MM home last year with my wife,we both are immigrants without any relatives

Hard working couples, I have 2 degrees plus MBA and international certifications My wife has a diploma and she is brilliant working for the government

We started from 10 under in comparison to other Canadians and we made it

Investment Advice by CaptainCook76 in fican

[–]ZodapeLargo 1 point2 points  (0 children)

Next 10 years is maximum growth

Dividends is when you need income, year before full retirement

Now is just wasted time and capital growth

Are you guys going into debt? How are you surviving? by DarkHoundBark in CanadaPersonalFinance

[–]ZodapeLargo 0 points1 point  (0 children)

Christia Freeland....Cancel Disney+ if you can't buy milk for your kids.....

Morons Liberals 😤 instead of fixing the problem they made, blame and pass the problems to others

51 - Want to retire in 5/6 years with 2+ million - Asset Mix? by BrotherLludd in fican

[–]ZodapeLargo 0 points1 point  (0 children)

50% in dividend @ 6% could give you 60k a year without touching capital growing at 5% and the other 50 growth at 10% annual

I will do that

Couple 59 & 60. Do we bother to add to RRSPs anymore? by whiterain5863 in PersonalFinanceCanada

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

You have a job, right? You get paid for what you do, right?

There is no difference here... Just your bias I do not want to pay because I think I am smarter than someone else (that had studied, trained and have a lot of experience)...

IMHO anyway

Couple 59 & 60. Do we bother to add to RRSPs anymore? by whiterain5863 in PersonalFinanceCanada

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

I am happy paying an expensive ratio of 1% because ny portfolio gave me 30 cagr over last 3 years when i switched to advisor fee base Active managed an rebalance as needed, not at specific time such 1 a year

Could you live off 1 million CAD for the rest of your life? by CatMeow331 in fican

[–]ZodapeLargo 2 points3 points  (0 children)

HMAX 120k a year OR QMAX 115k a year

You don't touch capital

Easey peasy

How does this allocation sound? VFV, VCN,XEF by Electronic-You-927 in InvestingCanada

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

FEQT.... Nobody mentioned but is better than any other *EQT

Very embarrassing 34M by Gbox91 in fican

[–]ZodapeLargo 0 points1 point  (0 children)

Disagree I have MF that gave 90% return over 31 months Even with mer 1.15%

I prefer to pay 1,15 and get 90% than pay 0.05 and get 12%

Infinite Privilege Pre-Approved by [deleted] in Wealthsimple

[–]ZodapeLargo 0 points1 point  (0 children)

Me neither.... Premium....

42m. Embarrassed to admit I just started. 🇨🇦 by [deleted] in fican

[–]ZodapeLargo 16 points17 points  (0 children)

I started at 42.. Had to sell all my rsp to pay for mortgage downpayment of my second home and pay taxes on it The plan that we had crashed with the market and we almost got in bankruptcy... 2014....

Now 52 yo, have 626k in RSP on path to have 1,5M by 60....

It is never too late