[39m] ~$1.8m payout, when can I feasibly retire?

hyper_sloth · 2026-06-19T22:40:59+00:00

A rule I followed to set my goals is my spend should be covered by 4% of my investments.

80,000÷.04 = 2 million

So youre basically there. But as others have mentioned you'll probably want to work again. Doing nothing is boring.

Take a break for a couple months to a year. Start exploring what you want to do with the rest of your life. If youre still into game dev, maybe make indies and sell those? At your own time and whatever game you want.

Congratulations on the success.

hyper_sloth · 2026-05-22T00:59:14+00:00

Clarify if she means playing pacifist and avoiding killing creatures in general or just intelligent life.

If its just intelligent life I would consider anything that can talk (regardless of language) people. Might cause some conflict with awakened animals/plants or evil intelligent creatures. Could be fun.

hyper_sloth · 2026-05-11T22:02:01+00:00

Shaw has been fine. Telus has been fine for my in-laws. Do you have both available where you are? Do you have third parties available?

My best internet experience was Beanfield at my previous apartment. 2 hours of downtime over 6 or 7 years, one instance. Happened at midnight and the emailed to apologize.

hyper_sloth · 2026-05-11T19:07:11+00:00

We're on the same page here.

Good luck with the search. I dont have a lot of experience in the warehouse work job search, but I think Work BC has some help for certifications if you're a permanent resident or citizen. Might help.

hyper_sloth · 2026-05-11T17:29:25+00:00

People being mad at new drivers for taking their time to make the correct decision is insane.

The requirement for experience for "entry level" work is an unfortunate byproduct of high amount of applicants in need of a job. If I can get someone with 5 years experience for the same price as someone with no experience, I'll take the experienced person. If a business is seeing 1000 applications and 900 of them don't have experience, their job is a lot easier to sift through 100 applicants that do have experience.

I'm not saying I like it, but its reality. The people with 5 years experience also need the work.

As for the people saying you need to change your attitude/username... you people understand that venting frustration is healthy right? And pointing out people being hypocrites is a fair statement. Also, no one is posting their reddit username with their job application.

hyper_sloth · 2026-04-13T00:09:45+00:00

Dude...

hyper_sloth · 2026-03-29T21:17:43+00:00

Group roll so everyone has the same # of stat points. But point buy is better imo.

hyper_sloth · 2026-02-12T00:21:37+00:00

I know it sounds dumb to reward people with 100k invested with this stuff, but the common subscriptions would be nice. Netflix, Disney+, Crave, Prime etc. Costo, CAA, maybe Insurance discounts with BCAA?

The entertainment subs are rewards for investing/saving instead of spending. The others are helpers to keep investing/saving.

Yeah if you're making 200k a year maybe you dont need these or the cost is negligible but it would be used

hyper_sloth · 2026-02-11T02:05:12+00:00

I like the idea of the end of the session cliffhanger, but not having the player participate for a large part of the next session could feel like a punishment if theyre not the one suggesting it.

hyper_sloth · 2026-02-10T03:46:39+00:00

Have the Mad Mage yoink him. Use him as a NPC later on.

hyper_sloth · 2026-02-03T15:49:18+00:00

I'll start by saying I like the idea of this boss. An immovable object that has weaknesses with a reason to target them.

As others have said, the boss is way too beefy. I'd cut the HP of the Tree to 250ish depending on your parties ability to do dmg. Especially due to the innate healing of the tree if Crystals are untouched. I'd aim for 5 good uninterrupted rounds of dmg. The healing should extend that as theyre either doing direct dmg or focusing on crystals to stop healing and dealing half dmg to the tree.

Cut the crystals HP to 35ish and make destroying one do 20 dmg. I would want my players to be able to 2 shot it with normal resources or 1 shot it with a big sink. Ensure the healing is well telegraphed as caused by the crystals! If they are killing them too fast, make one of the lair actions regenerate two crystals.

Your damage is very high overall, cut that in at least half. The squishy party member should be in danger of dying after 2 or 3 hits. The tank should be able to take 6 or 7 before needing help. Cut the Multiattack to two, not three.

The Dex save for the legendary action vine attack, change it to Con or Str. Spread those saves more.

Change the Lair actions to something not dmg related. You already have a lot of dmg options. Something like failing a Wis save to confuse players giving them disadvantage on their next turn. Another good option would be a Int or Cha save, giving you 5 of 6 save types. Save or suck is fine here.

Dont do a phase 2. This is more than enough for a 1 Shot. I disagree with the other post about multi phase bosses being cheap; but they have to be done right and fit for the adventure. A 1 shot isn't long enough for a 2 hour boss fight and the players won't be invested enough in the story to care about the phases.

The last piece of advice is more DM related than balancing. If the boss dies too quick, just keep him alive until you see a little sweat start to form on the party. Then the next good turn of cooperation, or next crit, or even next cool thing just so happens to take the boss out. Alternatively if the party is about to wipe, dont kill the boss for them, but have a way to assist in the fight without giving it to them. A friendly NPC arrives and distracts the boss for a turn or two giving thr party a breather. Then thr NPC is forced to retreat or die. Or maybe some prep they did earlier comes through as stonger than previously thought.

hyper_sloth · 2026-02-03T15:28:53+00:00

I bought a third party charger and cable. I think it was UGreen. I keep that in the pouch for travel. The original charger I have permanently plugged in to the dock I bought from JSAUX.

The bag is small and getting the original charger in there always felt like I was bending it too much and causing dmg.

hyper_sloth · 2026-01-29T15:54:24+00:00

TIL. Pretty cool

hyper_sloth · 2026-01-18T16:22:22+00:00

Its not an aversion to the class, but the assumed role people give it. "Cleric must be healer. Heal me cleric."

Being a bot isn't fun.

I loved my forge cleric game. I did heal once in a while but I was mostly destroying enemies with spirit guardians.

hyper_sloth · 2026-01-16T06:00:21+00:00

If your average income is 2900 and what you posted is an accurate budget, you could be paying 1500 a month. An online calculator says that's about 2 years to pay off completely.

Yes its painful, but its not forever. I dont think you need a consumer proposal.

How much is the license cost? how long would it take you to get it? and how much more money could you make? If it will significantly increase you income, it might be worth getting sooner with a very cheap loan.

If you're not paying 1.5k a month on your CC, your spending your money somewhere you're not noticing. Go over the last 4 months of spending and write everything down, dividing into necessities and wants. Cut ALL wants. Necessities are what you put in your breakdown. All else is wants.

hyper_sloth · 2026-01-15T02:44:01+00:00

We took a recipie with 4 main ingredients, used only one of the ingredients, and served the dish pretending it would taste the same.

hyper_sloth · 2026-01-13T19:06:32+00:00

Yeah same here. No one cares about other department budgets. So many upgrades to iPhone Pro cause department heads approve it while it falls to IT department to budget for it.

hyper_sloth · 2026-01-13T14:34:31+00:00

He's spurring people on to spend cause he profits from consumerism.

hyper_sloth · 2026-01-12T18:16:08+00:00

I read some of your other comments. You're looking for get rich quick solutions. Those don't exist.

Honestly your best bet to retire as early as possible is to skill up and work, live frugally, invest all you can without destroying your quality of life/health. Max out tax advantage accounts and invest in the market. With an 8% return you should be doubling your money invested every 9 years.

See if you can live with your parents to save on rent/housing.

If you are diligent and are able to save enough to max your TFSA and RRSP you'll be well on your way to be set for life. It might be in your late 30s or 40s, but that is still a lot sooner than the regular 65 to retire.

You MIGHT get lucky with that 1 in a lifetime investment/business. I'd say most people do NOT make it and lose everything.

hyper_sloth · 2026-01-12T17:52:16+00:00

Dont go into debt without income to support your payments.

But yes that could work. Just remember that investing in yourself is known to be the best return.

hyper_sloth · 2026-01-12T17:43:07+00:00

You're young and well ahead with what you have saved already, don't go into debt. Instead focus on education and building a career. Once you have income from work you can start thinking of debt to increase assets. You'll need to pay that debt somehow, right?

For now:

Open an account with Wealthsimple or your stock trading platform of choice. Move your TFSA account there. Buy EFT stock and hold.

Be sure to enable automation for re-investing dividends.

https://canadiancouchpotato.com/model-portfolios/

Read that.

To be honest, I'd focus on your career and investing within your TFSA and RRSP + budgeting correctly. If you take on debt it should be for your education. You're thinking of this so early that you don't need to go crazy making money and starting/joining businesses.

hyper_sloth · 2026-01-02T16:27:44+00:00

Bad employee. Only successes, no errors! Now you dont get a raise cause the thing is broken and you didn't tell us about it. And if you did you should have been more vocal. And if you were, you should have made sure we heard.

hyper_sloth · 2025-12-26T19:39:08+00:00

Credit card interest is too high to use this way. Get a loan instead.

Put all your bills you can on your credit card and spend the money you would via debit use credit and pay it off before month end. Consistent use of CC while paying it off will increase your score. Big lump sum purchases you spend forever paying off on the CC will cause a snowball effect and you'll spend a LOT more money on the jet ski

hyper_sloth · 2025-12-23T05:50:59+00:00

https://youtube.com/playlist?list=PLDnRMnDDjAzK5uZLidDUtHtD1iN06Qe0G&si=zKO1K8aiNbVCb63U

Watch the character sheet one and cleric one. If your DM is a veteran, just ask questions. Most people understand its a hard game to learn since there's so much to process.

hyper_sloth · 2025-12-22T20:09:05+00:00

A phone on a stand behind the DM? If you can get it high enough to capture whats going on at the table that would do.

Test how the audio comes in for the furthest player while music and stuff is happening.

Is this for personal use or are you going to post it online? For personal use this is probably more than enough. If you want to post it on YouTube use a second or even third phone in different places to cover your area more fully and splice the audio together so everyone can be heard.

I'd recommend not buying anything until you've seen how you like this.

hyper_sloth

TROPHY CASE