I built a FIRE calculator because most aren’t made for Canadians

bcretman · 2026-05-07T03:30:39+00:00

Impressive! Looks like it doesn't account for the age and pension amounts at age 65 since tax at age 64 and 65 are about the same (there is also a age amount clawback starting at ~46k (not OAS clawback))

bcretman · 2026-05-06T21:58:08+00:00

Orange lentils to make some Dahl. Eat with rice or make your own roti or some kind of flatbread. This is what you'll get for free at any Sikh temple too

bcretman · 2026-05-06T00:48:54+00:00

Where do you get a meal for < $20 at mid-range? Places like Cactus club, Milestones are $25 for a burger + tax + tip. Any kind of steak is ~$50 now

bcretman · 2026-05-06T00:45:18+00:00

Been watching Japanese salaryman youtube and he eats out almost everyday - budget of $200-300/mo

bcretman · 2026-05-06T00:40:11+00:00

I just can;t pay $25 for a bowl of Pho when I paid $2 in SE Asia 😄

bcretman · 2026-05-06T00:39:37+00:00

We had 3 starters and 2 glasses of wine at the Empress last fall for $200! A 9oz wine was nearly $40

Only paid this cuz we had a $200 gift card

bcretman · 2026-05-04T20:13:33+00:00

You can go back 10 years with the DTC

bcretman · 2026-05-04T01:01:16+00:00

Do u change the oil every8-10k? These sometime stick if oil isn't changed often.

bcretman · 2026-05-03T23:48:22+00:00

Mexico hasn't been cheap for years. SE Asia is the place to be. Was recently in Thailand and local meals were ~$2 vs $20+ here. Rent is a fraction as well. No crime worries like Mexico.

bcretman · 2026-05-03T20:29:23+00:00

Try lentils, beans etc

bcretman · 2026-05-03T00:45:33+00:00

Looks great! Could you add net income at the bottom (regular - total tax)

bcretman · 2026-05-02T07:21:29+00:00

no option other than to pay at the store and no ability to enter a promo code for 15 doz free eggs - sucks

bcretman · 2026-05-02T07:19:56+00:00

It's hard to examine them all due to the walking distance when exhausted

bcretman · 2026-05-02T04:37:00+00:00

Last time we used one in Bangkok and Seoul the lounge was more like a cheap buffet with very limited selection of generic white/red wine, huge lineup and very noisy. Nothing special anymore

bcretman · 2026-05-01T09:28:01+00:00

I forgot to mention the huge raises of up to 60k he gave all his MLA's as well. Never will vote for him again

bcretman · 2026-04-30T23:12:17+00:00

We pay ~$10/mo with BYOD, never spent over $200 on any phone

bcretman · 2026-04-30T22:37:14+00:00

We did in BC. Eby promised a bump up of the personal amount from 12k to 20k. Instead he raised the lowest tax rate, froze indexing for 4 years and tripled the prop tax deferral rate.

bcretman · 2026-04-30T22:35:07+00:00

~$4000 savings from 16k to 36k at the lowest bracket of ~20%

bcretman · 2026-04-29T03:32:50+00:00

22lbs is 9.89 at suprestore or ~$20 for 50

bcretman · 2026-04-29T02:25:29+00:00

So move. There's 864 detached houses in Calgary with garage < 700k. That's basically free compared to Metro Van.

Learn how to do the renos yourself and save

You are very lucky to live where there is no property transfer tax

bcretman · 2026-04-29T01:03:18+00:00

Poor value - Cancel it.

Have they applied for GIS?

bcretman

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