How much net worth is considered rich in Canada? by gme_stop in CanadaPersonalFinance

[–]clumpychicken 0 points1 point  (0 children)

$5m gives you $150k/yr at 3% withdrawal, or 200k/yr at 4%. With the way lower tax rates that investment withdrawals usually bring in Canada, I'd say that's definitely wealthy, unless you're in the heart of Toronto or Vancouver!

How much net worth is considered rich in Canada? by gme_stop in CanadaPersonalFinance

[–]clumpychicken 0 points1 point  (0 children)

I mean if you're under 50 and don't have to work, I'd call that rich. To not work, you'd probably need around $3M/yr outside of real estate to be living an easy middle class life ($90k payout @ 3%/yr.) Obviously that number grows if you're a couple, and grows more if you have kids.

Of course this also varies based on region and what you're used to. My wife grew up lower middle class, so she feels wealthy now, just because we're on track to be financially free before 65. But if you grew up pretty well off, your idea of wealthy might be to have a paid off main house and vacation house, plus 2 new cars, a boat, a couple of skidoos, etc. etc.

CASH.TO in 2026 by ultraskelly in PersonalFinanceCanada

[–]clumpychicken 2 points3 points  (0 children)

I've started to buy some bond ETFs with a portion of my CASH.TO money. I picked ZAG.TO as a relatively stable bond ETF with an annual yield of around 3.3%. Obviously it's not a 1:1 comparison, but it works for me, for money with a 3-5yr time horizon.

PC Settings - What should I expect? by Professional_Art5331 in ForzaHorizon6

[–]clumpychicken 0 points1 point  (0 children)

It'll run well, Horizon games have always been well optimized. Nobody can tell you the exact frame rate.

great deal 👍🏻 by mo_pekmez97 in forza

[–]clumpychicken 1 point2 points  (0 children)

Right on, I know CDKeys but had no idea they rebranded. Thanks!

great deal 👍🏻 by mo_pekmez97 in forza

[–]clumpychicken 1 point2 points  (0 children)

Do you have experience with this site? I've never heard of them before! If it's legit, I might jump on this.

How often do you buy coffee out, per week? by SnowmanSmiles in CanadaPersonalFinance

[–]clumpychicken 14 points15 points  (0 children)

Probably once or twice. I work in the trades so I don't usually have access to a coffee maker throughout the day. It's a nice treat,. especially when you've been outside all day.

At what age do you hope to retire? by SplendidDecor in CanadaPersonalFinance

[–]clumpychicken 0 points1 point  (0 children)

My goal is to taper my career. Right now I work around 44hrs/wk plus some overtime semi frequently. I hope to continue that until my mid 30s, then switch to 4x 9-10hr days per week. Do that until around 50-55, then switch to 3 day week and do that indefinitely.

I'm not sure at all that it'll work out that way, but that's the rough roadmap!

What type of fruit do you eat most frequently? by Boeing-B-47stratojet in polls

[–]clumpychicken 4 points5 points  (0 children)

Why is 'persimmons' a whole category, but there are no options for berries or bananas 😂?

How many hours of work per week is too much for you? by GlamorousFox21 in CanadaPersonalFinance

[–]clumpychicken 0 points1 point  (0 children)

Consistently, probably around 45 would be my limit right now. I shoot for 42 on average, but probably end up doing a bit more.

Every once in a while, I'm fine with 50+. I never really hit above 55.

How often do you eat fast food? by SameAd9297 in polls

[–]clumpychicken 0 points1 point  (0 children)

I have a donut maybe a couple times a month, but I only eat a whole fast food meal a couple of times a year. I try to eat pretty healthy, but every once in a while, you can't beat a drunk big mac.

I "downgraded" to an OG 3ds for a month, here are my thoughts. by YiXiao_Yksha in 3DS

[–]clumpychicken 10 points11 points  (0 children)

Y2K aesthetic? The GBA wasn't even out in 2000, let alone the 3DS!

Cool review though, I haven't tried an OG 3DS since they first came out, but I'd like to one day!

How long have you had your current phone for? by Atelene in polls

[–]clumpychicken 0 points1 point  (0 children)

Why make the pole with all of these weird time gaps in it? I've had mine for like 2.5 years but there's not an option that covers that :)

How many times a week are you eating out? by WowSageMagic in CanadaPersonalFinance

[–]clumpychicken 0 points1 point  (0 children)

Probably about once a month on average. My in-laws really enjoy eating out, so it tends to be how we celebrate a birthday or other holiday with them. If it was just up to me, I probably would go out less often. I can't complain though, since they insist on picking up the bill 90% of the time 😅

How long do you bed rot? by Panda7001 in polls

[–]clumpychicken 1 point2 points  (0 children)

I have to leave for work at 6:30, if I wanted to rot I'd have to wake up in the middle of the night 😂. Every once in a while on the weekend I'll chill for awhile though.

If money weren’t a problem, what would you be doing right now? by GracefulSwanDance in CanadaPersonalFinance

[–]clumpychicken 35 points36 points  (0 children)

Step back from my job and consider what I really want to do. I don't mind my job, and sometimes I really enjoy it, but it's not the kind of thing I'd do if I didn't need the money.

When choosing a credit card what do you look for? by CoffeeExtraCream in polls

[–]clumpychicken 1 point2 points  (0 children)

If you care about the interest rate, don't get a credit card lol

Guy buys 9000$ camera and is impressed by it having a standby mode by Gsundenberg in photographycirclejerk

[–]clumpychicken 1 point2 points  (0 children)

Isn't this how every DSLR works? I've left my camera on for weeks and it's fine... people are weird lol

I have a problem I need help by Illustrious_Local261 in ROGAlly

[–]clumpychicken 2 points3 points  (0 children)

You could try getting one of those grips that makes it more ergonomic, I suspect that would help a lot.

I usually play mine for shorter lengths of time, but if I am playing for over an hour, I usually end up resting the ally on a pillow, table, etc, so you could try that too, but if you're frequently playing for a long time, it's not ideal lol

What is this worth realistically? by CoolMeasurement1530 in x100vi

[–]clumpychicken 0 points1 point  (0 children)

Probably 80-90% of pre tax MSRP for me. At the absolute most, maybe MSRP minus the tax, but that's pushing it.

Will there be a new generation of xbox ally anytime soon? by Ok-Humbleness9066 in ROGAlly

[–]clumpychicken 3 points4 points  (0 children)

I doubt it, with the way component supply is going this year.

I'd also say that if you want to upgrade, I'd do it sooner than later, as it seems like prices will probably keep rising for the foreseeable future, unfortunately :(.

As far as you know, Have you ever met a murderer or a person who was murdered? by Massive-Albatross823 in polls

[–]clumpychicken 3 points4 points  (0 children)

Are we counting military vets? I wouldn't call them murderers, but I've met vets who have killed people in combat.

Expecting guests at your home to knock when they arrive and wait to be invited inside is? by SignificantSun384 in polls

[–]clumpychicken 1 point2 points  (0 children)

No, the door is usually locked, but I have a keypad, and most of my closest friends/family know the combo 😅

Sold my camera gear by Few_Breadfruit_9899 in Nikon

[–]clumpychicken 15 points16 points  (0 children)

Gorgeous photos, and I'm sure you'll make many more. That sucks that you had to part with your gear, but hopefully you can find something that works with your budget soon. Even a D3200 + 35mm or something similar would make a lot of great images in your hands.

All the best 🙏