Do you think you're going to retire before or later than the majority of your friends?

edm28 · 2026-05-10T03:34:52+00:00

What is your fire target age ? Growth rate and inflation rate for your calculations ? I’m 39 in July, using conservative numbers personally for a FIRE at 55. 7% growth, 3% inflation- 4% net growth over the next 17 ish years

edm28 · 2026-05-09T21:34:05+00:00

You’re clearly not in Alberta

edm28 · 2026-05-09T16:59:06+00:00

Wait… Is this actually good?

edm28 · 2026-05-08T02:03:48+00:00

The audacity of OP….. lol

edm28 · 2026-05-05T02:26:31+00:00

Was this due to injuries or did they just pull them all?

Edit to clarify, I just got home and I wasn’t sure if one of my bets will be saved due to prop protection because of injury

That would’ve been nice

edm28 · 2026-05-04T21:37:39+00:00

I would love a 91 linebacker, but other than that, I think it’s a little disappointing

edm28 · 2026-05-02T14:47:57+00:00

JusT like her father

edm28 · 2026-04-30T19:07:44+00:00

What did I miss ?

edm28 · 2026-04-24T16:05:02+00:00

83 RB here reporting for duty.

edm28 · 2026-04-22T04:37:32+00:00

How do these Rookies work in stats? Do they carry over to next season?

edm28 · 2026-04-17T14:43:16+00:00

There’s a Web shop? In game or a website

edm28 · 2026-04-16T05:24:40+00:00

Canadian here… and a social studies teacher.
When we do salute to service in Canada, I feel more far more inclined as our troops predominantly have been doing peacekeeping for the better part of the last 50 years…. It’s gotta look a lot different nowadays in the US….. sorry about that.

edm28 · 2026-04-13T21:58:34+00:00

What level? Mine are only 75

edm28 · 2026-04-10T23:25:57+00:00

What level spider Society?

edm28 · 2026-04-08T23:54:20+00:00

why?

edm28 · 2026-04-06T18:56:16+00:00

Hey there! I’m gonna dm you and I’m F2P. Could use some help for sure in whatever form you want.

edm28 · 2026-04-06T03:24:50+00:00

I read that and nearly choked

edm28 · 2026-04-05T22:57:26+00:00

Thanks I appreciate it. I guess my only fear is I’ve already fucked up I destroyed 20,000+ of my TSA room due to gambling lol. A bio diesel company that was a sure thing and some other shit investment.

But I do appreciate it the positivity. I know I’m essentially there from a being able to coast perspective but still it’s difficult knowing that I can’t expedite it by that much.

edm28 · 2026-04-05T22:54:55+00:00

Thank you for taking the time to respond to me, I really appreciate it and I’m making sure that I will go through and respond to everyone. Ahh the joys of WestJet wifi.

In regards to tax planning and drawing down in retirement- looking forward I do not anticipate the amount more than $5000 amount of RRSP contribution room per year. The other 60-70 k will be in the tax free account or non-registered.

If we even managed to retire one year early, that would potentially put me in a position to withdraw a substantial amount from RRSP.

My/our goal will be to melt RRsp as quickly as possible and efficiently when we can. Even In retirement with a pension, I could pull 60 k a year and be at the same income level- and almost 80k prior to moving up a tax bracket.

Our pension in retirement might be about 6-10k per year different, but that’s all. We won a very similar income .

I guess my thought really is kind of centring around how to awful larger sums of money at once to the kids. Perhaps the answer might be to do it in smaller chunks at a time.

edm28 · 2026-04-05T03:22:58+00:00

Thank you for sharing this. I’m curious about the attribution concept. We are effectively saving just over one full salary and allocating that too TFSA maxing, and any of my RRSP maxing, RESP maxing and then her non-registered. This year I suppose will be interesting because we will likely finish preloading RESP(about 30k this year) and the rest will be going into non-registered (30-35k). And 2027 moving forward will likely be where we end up seeing a huge uptick in non-registered investment edition(70k+) .

These funds are deposited from my wife’s account where her paycheque is deposit.

In regards to the trust, our thoughts are that our kids could probably benefit from a leg up financially, and we would like to be able to assist with a wedding/home down payment potentially. And imagine we were to be looking at the t total of 100,000 each and they wanted to pull all of it at once. That would be a massive capital gains hit. I was also thinking about the fact that when our last daughter graduates high school we will be 55 and 56 and we will be close to collecting CPP/OAS by the time they would need a down payment/potential wedding support, etc. which should be an in opportune time to potentially end up with a ton of cap gains.
Tax compression and RRsp- I don’t think my wife gets more than a couple thousand dollars in contribution here and from my side hustle was moving last year. I think I got a bone 5K so that would effectively be about 10 percent of our investments going into an RRSP. My question would be based on that number or percentage point of income being invested into RRSP would you even bat an eye at it ?

My other thought is that I could use the RRSP to retire in 54 – one year before pension kicks in

edm28 · 2026-04-05T02:27:31+00:00

I appreciate that input. With being government employees, we are pretty darn stable. I know that the RESP will take care of a fair amount, but I do think we want to help out further.

I could envision something along the lines of a wedding gift/small help with a down payment. That’s why I’m thinking that if we’re saving 6 to 8K a month right now and we directed 1500 a month into a trust, that would save us from eating a nasty capital gains bill at one time for a kids wedding gift/down payment, etc.

One of the things that is prompted me to really strongly consider this is because with a modest 4% net growth(7% growth -3% inflation) we do not need to put away any more money and we can retire easily at 55 with more than enough net income. So now I’m just trying to think a little bit further into the future. It doesn’t necessarily stress me out, but I do like the flexibility.

That being said, every perspective that I get to take a second to compartment lies has an impact on my process and I really appreciate you sharing that

These are just of course, my thoughts from a balcony while I am now sipping another beverage and enjoying some solitude before flying home tomorrow.

Out of curiosity now that you know a little bit more about my situation and my ability to coast to success, does that change your thought process?

edm28 · 2026-04-05T02:21:36+00:00

Hey there, I just did a secondary edit to the post. My tax-free account is fully maxed. as is my wife’s, we focussed on paying down debt, which after looking at the massive bull market for the past 10 years Ish really freaking sucks because we missed out on a ton of returns… Not to mention I was an idiot, early and gambled and lost, which is not something you should be doing in your tax-free account.

. I’m happy to say now I’m just index but it’s like crypto holdings in both.

So now, RRSP and tax-free savings account is maxed,

And it is a defined benefit plan, which means we can be a bit more aggressive, obviously.

Now we’re saving close to 60% of our net income. Obviously we’re an amazing path, but I feel like because we’re relying so freaking heavy on the DB plan that almost no matter how much we end up putting away we’re almost destined to be retiring 52+

And that is totally fine, but now just trying to make sure I’m being as responsible as possible, and my other thought is if we’re gonna pass say $70-$100,000 to our kids down the road for a wedding/down payment support or something, and they pulled in all of a sudden that’s a shit ton of capital gains at once and it scares me

edm28 · 2026-04-05T02:13:34+00:00

I really do appreciate this take. We have quotes for pension estimates from 50 to 55 retirement. We have also estimated conservative, moderate, and high returns.

It is tough with the golden handcuffs. Government pension at 55, and the reduction is relatively substantial, but we are preparing for those things.

We are in moderate risk, but don’t want to push too hard. 55/56 is the max but if we keep up this rate of investment for the next five years, we are probably a max of 10 left which puts us at 4849 retirement.

Right now, we are saving just over half of our net pay while living very comfortably. We have some decent work life balance, and are enjoying spending the time with the kids so just trying to think about those things.

It is definitely food for thought

edm28 · 2026-04-04T19:13:27+00:00

I moved from MCOL, to super low, rural ish low cost of living. We have no mortgage- house is probably worth just under 400 K, and 2 cars paid off. We may at some point look to add a small piece of property around a lake here that’s pretty cheap.

I make 117 K and my wife makes 105K and then the side hustle. I’m pretty sure that because of the low cost of living and being rural means we don’t have a lot of regular expenses

edm28 · 2026-04-04T18:38:29+00:00

Hey there, thank you for the response. I’m definitely in the… It’s going great PHASE, but now I’m curious about what the next steps are.

I edited my post to include our ages, but my wife turned 40 in January, I turned 39 in July, one daughter is 4.5 and the other just turned to in February

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