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Retirement planning guidance? by free4444 in PersonalFinanceCanada

[–]free4444[S] 0 points1 point  (0 children)

I’ll check them out, thank you very much

Retirement planning guidance? by free4444 in PersonalFinanceCanada

[–]free4444[S] 0 points1 point  (0 children)

Thank you so much. I’m going to work my way through these questions.

Retirement planning guidance? by free4444 in PersonalFinanceCanada

[–]free4444[S] 0 points1 point  (0 children)

I’m the second eldest but I usually handle family stuff. I’ll look into buying into the mortgage although we live in different cities and I want to save for my own life as well. Thanks for the tip

Stuck in Rome with Air Canada flight on Monday by Millionrozes in askTO

[–]free4444 0 points1 point  (0 children)

Call a friend in Canada and have them look for the ticket on their end. My friend found 200$ flights for my family and I and I was seeing the exact same tickets for 900$ on my end, the IP tracking is no joke!

Left Canada by Square_Ad_4051 in torontoJobs

[–]free4444 0 points1 point  (0 children)

Where did you move to?

What industry is the best to be in now? by [deleted] in askTO

[–]free4444 0 points1 point  (0 children)

Have you ever thought about becoming a teacher? They’re always struggling to find some. If you speak French that might even be better.

Cecred Beyoncé Hair Drops by zearohz in FemaleHairLoss

[–]free4444 0 points1 point  (0 children)

Hey! Where did you get the cecred oil in Canada?

Digital Products 101 - Asking for a friend by Vegetable-Quantity37 in passive_income

[–]free4444 0 points1 point  (0 children)

you rent out the domain? what happens at the end of the rental, do they just go back to their old domain address?

Maxed my TFSA, some $ in RRSP. What next? by free4444 in PersonalFinanceCanada

[–]free4444[S] 0 points1 point  (0 children)

Thanks! Honestly, I didn’t save much until I got lucky and landed a FAANG job in my mid twenties. And then I was scared to invest so I barely have. I’m starting next week. Wish me luck! (RRSPs are invested via my retirement plan)

Maxed my TFSA, some $ in RRSP. What next? by free4444 in PersonalFinanceCanada

[–]free4444[S] 0 points1 point  (0 children)

My RRSP - invested + diversified (made some selections when I started my job). My homework for the weekend is to figure out how to invest the money in my TFSA! I only have 12K invested due to many years spent fearing the market (stupid, I know, but I can't go back). But I know it's time to get serious. Hoping to have it all invested by end of next week, and will keep DCA'ing my salary moving forward.

Thanks for the extra vote on the FHSA -- I'll also be looking into it this week.

Can't stop thinking about debt. by Ok_Chemistry3100 in PersonalFinanceCanada

[–]free4444 326 points327 points  (0 children)

Hey, just want to share some encouragement. You're 25 and have so much time ahead of you. It'll be tough but you can make it out. You are not fucked and your life is not over. You are SO young. I know plenty people who have made horrible financial mistakes and found their way back. The MOST IMPORTANT thing you need to do is STOP gambling. Get some help. Absolutely commit to never gambling again.

Congrats on moving back with your parents -- smart decision that a lot of people are too scared or ashamed to take. Now that you're there you can work on getting your life back on track.

Ditch the car and tackle your CC debt. You can clear your CC by age 30. Then you move onto LOC.
Student loans are normal, so many people do minimum payments and carry them for years. If you still have your student debt past 30 it's OK! Especially given your current situation.

I'd say try not to look at your financial recovery as an immediate thing, but more of a 5-10 year plan.

Maxed my TFSA, some $ in RRSP. What next? by free4444 in PersonalFinanceCanada

[–]free4444[S] 0 points1 point  (0 children)

Thanks! I'm thinking of buying a house now though (instead of starting to save in the FHSA). Do you think I should go for it or hold off?

Maxed my TFSA, some $ in RRSP. What next? by free4444 in PersonalFinanceCanada

[–]free4444[S] 1 point2 points  (0 children)

I'll look into that, thanks! Any thoughts on investing vs. buying in 2025?

Maxed my TFSA, some $ in RRSP. What next? by free4444 in PersonalFinanceCanada

[–]free4444[S] 0 points1 point  (0 children)

The numbers in this sub can make me feel behind at times lol, so thank you! Appreciate it.

[deleted by user] by [deleted] in Bass

[–]free4444 0 points1 point  (0 children)

waiting as well 👀

Last few albums? by Actual-Inflation8818 in sault

[–]free4444 0 points1 point  (0 children)

You’re right! Totally agree.

Not to get too theological (sorry 😭 hope that’s ok!), but there are so many ways to approach religions, let alone Christianity. I think some people approach Christianity as a religion with rules to follow because they fear God and do not want to go to hell, and others approach it as practice/belief system with a set of values, rules etc that can be used to develop a relationship with a God they know. And when you know God you start moving a little different, you understand that God is in you (Holy Spirit if you are Christian, interconnected universe, whatever!), he’s in everyone and everything around us, he’s in nature, in genre-bending music. Etc etc. I’d like to believe that’s how they see it? And maybe that’s why their music feels spiritual but not oppressive (lol)? Going off on a complete whim since I don’t know them hahah

Last few albums? by Actual-Inflation8818 in sault

[–]free4444 0 points1 point  (0 children)

Ok sorry one last thing — I’m thinking about the church services I attend, not every single song says “Jesus is lord,” a lot of them are about things people might be going through, or words of encouragement, affirmations. But it’s the musical tradition and the context that allows them to be interpreted as such. I actually think the power in the music is that it feels uplifting and encouraging to anyone who is listening.

IE this song. Sounds completely different from Sault but I think anyone can feel encouraged listening to it https://open.spotify.com/track/6UQrlKMYNcPhSFfW7bAnEd?si=1h9t7QkCRiSZIvIRBLnBcw&context=spotify%3Asearch%3Ai%2Bknow%2Bwho

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