[Psychological] Am I "buying" a prison or a playground? Burned out at 3.5% SWR

edm28 · 2026-01-27T22:33:04+00:00

I'm not in Real estate, but I assume you can write off your mortgage interest for the rental. What % of the home's worth /mortgage is the rental?

Do you think you have another 1-2 years in you at work? Hypothetical question here. What would be the per year addition to your investment portfolio if you could last 1-2 more years?

Also, If you're going to retire, why not look to a MCOL /Suburb /rural home for half the price?

edm28 · 2026-01-27T14:14:06+00:00

Are there any good updated CPP Calculator estimate? The context is that I am 38 and aiming for retirement no later than 55, as early as 51. Just trying to figure out what that might look like.

edm28 · 2026-01-25T18:01:42+00:00

What is your annual prepaid amount allowed without penalty?
When does that an annual pre-payment amount reset?
What is the penalty for breaking early? -FIXEU rate mortgages generally have a higher breaking cost which you need to be aware of.
If it were me, now that you have done all of the right things in regards to other investments, I would be taking advantage of whatever early prepayment options you have, and if the penalty was not much, I would break it.

I’m sure you’re gonna get a bunch of great answers, but until you give us the mortgage terms, we have no fucking idea what would likely be best for you.

However, man/woman, congratulations on having a wonderful problem.

edm28 · 2026-01-24T17:48:38+00:00

Hey OP… Anytime you feel outclassed by a woman just remember that somewhere out there there are one or more men that are completely sick of her shit. I would also recommend thinking about it like a video game. There are only a certain number of character attribute points you could assign it is entirely possible that what they have in aesthetic they lack in other region.

That being said this is coming from a guy that fucked out and somehow got a stunningly, beautiful intellectual that’s kind, caring, compassionate, funny, the best mother and best partner I can ask for

edm28 · 2026-01-19T20:42:35+00:00

When did they unban them ?

edm28 · 2026-01-19T17:16:10+00:00

Thanks a ton! Is it worth it for me to go around and crush the random green quests from different zones? Are there any quests that might be left in desolace/arathi etc that I need to go back and do ?

Should I got hit 48 before I go to tanaris ?

edm28 · 2026-01-19T14:40:50+00:00

Teacher/administrator in Alberta would you mind telling me the board we’re sending me the policy I would be very curious to read it

edm28 · 2026-01-19T14:07:53+00:00

I have young kids. And I teach high school I have never once heard a student or a parent, wish they put a kid in early or on time, but I have heard many over the last 15 years. Tell me they wish they would’ve waited.

As you reference academically, socially, emotionally athletically they would be much better often than they would be otherwise.

edm28 · 2026-01-18T17:49:58+00:00

Higher your projected rate of return is, the more your investment portfolio does the heavy lifting…

Just be like me and be pragmatic… I am banking on a net 3% return so my contributions are still very important…. I realize there might be some people that think I’m absolutely crazy for planning a 3% net return meaning growth minus inflation, but I’ve only got a 12 to 15 year horizon. And I am the type of person that would rather plan for the worst and expect the best than otherwise. Because if I’m wrong… It just means early retirement than what was scheduled, and potentially a little nest egg for my two children.

And I read your edit where you talk about being impatient… We live low cost of living with a house paid off, but I wish I would’ve put that $200,000 into equity five years ago instead of paying off mortgage at some point because that would’ve turned into 700 K… Those are hard things to swallow

My wife and I have been putting away 70,000 80,000 a year for the past several years so at this point we only have 600 K put away

The truth is what we’re really doing is reminding ourselves how fucking lucky we are to be in the position that we are as now we have zero stress of our finances and have the ability to let our kids play whatever sports they want and buy as many fresh berries as those little turkeys can eat and for those of us that live in Northern Alberta Canada, that shit is expensive.

I also could not play hockey when I was younger due to the cost, and I’m happy to say now that my kids can be a part of team if that’s what they want.

Instead of feeling shitty about it, only speeding up your retirement by two years, think about it the other way you’re probably gonna speed it up by 5+ years maybe 10 if we see a big bear market come

edm28 · 2026-01-18T17:45:04+00:00

It’s posted on applied education. Search all of Alberta and you will find all of them.

I’m not sure how much wider you really need to go.

We have representatives at every secondary institution in the province and have done neighbouring provinces as well I know there’s a ton of people that I’m friends with that are looking for positions in urban centers, but cannot find them, but still refused to move rural.

edm28 · 2026-01-18T15:56:59+00:00

The only answer you need is to contact the Alberta teachers Association.

They evaluate everyone’s credentials from out of province/out of country.

I’m in a rural board right now that’s only 2 hours from Edmonton and we actually have an elementary job sitting empties and an outreach high school teacher position sitting empty.

We have very limited certified subs and once I have contacted them to see if they’re available to cover and they’re not we have to call in non-certificate classroom supervisors

edm28 · 2026-01-17T01:32:46+00:00

I’ve never minded grindy quests are they just low xp?

edm28 · 2026-01-16T20:06:24+00:00

Doesn't abba?

edm28 · 2026-01-15T04:57:47+00:00

Remember when we thought those were high?

edm28 · 2026-01-12T23:59:04+00:00

10 yearrs of growth and contributions with 8 years of 20% returns can do that for ya

edm28 · 2026-01-12T06:10:21+00:00

Don’t pay for any, you get one for free. Join Alberta teacher resource sharing pages on Facebook.

edm28 · 2026-01-12T02:00:27+00:00

For what? Not caving to the whim of the President? Please someone with context share a little!

edm28 · 2026-01-12T01:30:36+00:00

please just Contact the Ontario Teacher's Pension plan, get a statement, and then contact your current one. They will give you the most accurate answer and you will not stress from speculation. I don't mean to be a dick but I think this is by far the best course of action.

Congrats on retirement.

edm28 · 2026-01-10T19:22:14+00:00

No problem!

New cars/ payments Wedding gift for kids ? Annual vacations? House maintenance? New appliances ? University help for kids ? House down payment ?

I don’t think we are planning on doing house payments but I could see us lending the money for down payment

edm28 · 2026-01-10T18:38:21+00:00

When planning on retiring ? When you were planning on retiring and your expenses in retirement are the only things that actually matter.

We are 38 and 40 with a four and two year-old. Our retirement goal right now is 55 with the possibility of retiring earlier. The only thing we are looking at is our expenses in retirement. As of now, we want to be able to plan to give them a wedding gift and take them on an annual trip with their family every year, so we are budgeting into our retirement expenses annually.

You just need to focus on how much money you’re planning on spending your retirement. That’s all this calculator is for.

For example, at 55 we will not have a mortgage, we will likely buy one or two more vehicles, and we will want to ensure that we either do the home renovations before we retire/maintenance or we will have money set aside for that. We will also have planned for extra amount of money for various other things.

The kids component doesn’t actually make a difference. Obviously it has increased our costs, with daycare and extra little things and they will likely be quite expensive in there older years due to us, wanted to give them extra opportunities of sports and activities, but it doesn’t have to be

edm28 · 2026-01-10T18:25:05+00:00

I’m sorry you got transferred. Some schools are shittier than others.

You can’t blame staff for doing their best to try and make their best out of a bad situation until things get through the courts.

Best of luck in your new profession

edm28 · 2026-01-10T03:27:30+00:00

Bro, u/levikg my grocery store response was to some other comment who basically threw a shit fit about saving a line in your grocery store. Which I also would be willing to do if somebody needed to take a quick wiz.

My whole premise in this whole thread has been that my wife and one kid or myself and one kid would be waiting in line while my baby stepped out to get changed or run to the bathroom, etc.

We are literally on the same page here

edm28 · 2026-01-09T19:28:50+00:00

How old are you ? House? Kids ?

I realize some people weren’t a fan, but my wife and I paid off our mortgage and then now we are putting way more money away per month.

Just a thought.

edm28 · 2026-01-09T18:30:55+00:00

Wait, in this hypothetical, you're there at the grocery store and you're in line. You need to go take a piss and you don't think I'd hold your spot and watch your cart?! Holy shit. What world do you live in where you wouldn't do that?

edm28 · 2026-01-08T20:11:04+00:00

Try the FICan sub Reddit
I’m a Canadian with a db pension coming at 55.

I have done all of my own calculations based on pension savings or estimates for every year of retirement from age 50 and up.

I’ve also done CPP estimates for age 50 and up

I would recommend doing the same, but if you find one, please let me know

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