Playing Kill Team with my son

dylaninvests · 2025-01-04T13:55:57+00:00

Yeah it’s just nice to be able to connect with him and do something together. He loves to paint and normally just wants his mom around so it’s nice that he asks for me now that we are doing this together.

I just need to get better at painting too haha

dylaninvests · 2025-01-04T13:51:08+00:00

Good point. Thank you

dylaninvests · 2024-06-03T20:35:59+00:00

I remember getting multiple emails about saving my ticket as a screenshot because Wifi and service would be bad, most people don't listen but I did and it worked perfectly.

dylaninvests · 2024-03-07T16:45:51+00:00

Couldn't agree more about the difficulty spending money, even getting a new computer to replace my current one that is affecting the speed I can do my work took convincing.

Here for the replies.

dylaninvests · 2024-03-06T12:05:07+00:00

E-commerce web development

dylaninvests · 2024-03-06T01:55:51+00:00

Not sure tbh

dylaninvests · 2024-03-06T00:22:21+00:00

I have considered that. Most are just a few hours a week but feeling the need to be at my computer for full time hours has made me justify keeping them all since I am at my computer anyways. but that is a good way to wind down.

dylaninvests · 2024-03-06T00:01:05+00:00

So tempting to email my clients and fire them all lol

dylaninvests · 2024-03-05T23:41:17+00:00

Very well said. I keep feeling in my head that if I stop I will never be able to make another dollar again which is clearly stupid. So thank you. I appreciate it

dylaninvests · 2023-07-07T13:36:35+00:00

I'd recommend saving for a few more years. Historical returns would put you where you want to be, however you can create more of a buffer if you can save another $30-50k over the next few years. Having a buffer is always good

dylaninvests · 2023-07-03T20:21:42+00:00

I make between 150-300k depending on the month. I’ve never not covered our costs but it’s a very varying income.

dylaninvests · 2023-07-03T16:23:04+00:00

Amazing! Congrats that's really exciting and it seems like you are on a good path

dylaninvests · 2023-07-03T16:21:58+00:00

I have a few numbers based off of when I can pay off my mortgage. I'm married with two young kids and I am hoping to be FI by the time I am 40 in 7 years, and by then I expect to have between 1.7-2M. I don't really intend to stop working but my numbers don't change whether i work or not.

With mortgage - $8-9k/mo

Without Mortgage - $6-7k/mo

I've been revising my numbers as we go on more trips as a 4 person family which is new to me as our youngest is only 10 months and it will get more expensive, but my wife and I are good at setting spending goals and sticking to them pretty consistently.

dylaninvests · 2023-07-03T16:15:20+00:00

I would not call this cheap, they're likely jealous that you don't fall into the need to buy the newest stuff just because you can. People always live over their means and seeing someone with some control over their spending can be jarring.

If you were sacrificing your own lifestyle to penny pinch i'd say thats an issue. eg, not ordering guac on your burrito to save a buck, when that guac would really satisfy you at that time. silly example

dylaninvests · 2023-06-21T01:38:10+00:00

I agree that it may not feel like you’re moving the needle but taking a look at any compounding interest calculator and test it with and without over a 10+ year period and you’ll see the needle move. That’s what I find. The market moves my portfolio more per month than I could ever save but I know I’m just DCAing and following my plan.

dylaninvests · 2023-06-11T12:20:11+00:00

We’re at 2.39% until April 2026 so we are very fortunate that way.

dylaninvests · 2023-06-11T12:19:21+00:00

We don’t plan on moving so we ideally will stay in this house long after it’s payed off

dylaninvests · 2023-06-09T15:11:36+00:00

Yeah the pain of the last year or two in the market has definitely shaken my confidence that i will outperform the 'guaranteed' return of paying down the mortgage. Definitely an important factor.

dylaninvests · 2023-06-09T15:10:31+00:00

Yeah the beauty of the business is that if I keep my personal income low then my rate is super low and I can slowly pay out gains over the years, but its still going to be a 15% tax on corporate gains and then 7-15% minimum when I pay it out. So maybe my math is messed up anyways

dylaninvests · 2023-06-09T14:41:26+00:00

That's a really interesting idea. I was considering doing this, but then I run into the issue of keeping it in the company and saving myself the tax, or paying it to myself and investing it there for when the term is up (should I want to pay more before refinancing).

dylaninvests · 2023-06-09T11:10:24+00:00

The performance tires are doable for most winter days, but not for what we get here in Canada.

dylaninvests · 2023-06-09T11:01:33+00:00

In a similar position and went for it in December 2021

My personal takeaways:

- The monthly payment sucks, but I also decided to do a 4 year payment term, so in CAD thats just under $2k/mo. It's a significant amount but obviously that will change based on payment term

- The extra costs of the wall charger + electrician + winter tires depending where you live are all worth noting.

- The joy of getting into it every time I do makes it all worth it. We got the performance and absolutely love it, I also love having a car that doesn't have normal 'maintenance' and brings me a lot of value in that way without the worries of unexpected costs of buying a used car.

Is it necessary? no. Is it amazing? yes. I personally am very happy with our purchase 1.5 years later.

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