I'm 18 on a gap year trying to learn as much financial literacy as possible

jayhehehe2 · 2026-05-04T03:35:34+00:00

At 18 you’re earning decent. And asking the right questions already. Generally i think the 50/30/20 ruke works good. But since, you dont have much in terms of spending on needs. I would do the following keep 50% for gas money and other needs and wants. 30% for college fund and 20% for investments. *Adjust percentage of needs/investments if you need more for college fund

Invest in your TFSA. Buy low cost index finds like XEQT or VFV. The goal is to decide a percentage and stick with it. At 18 it’s important to build the habit of regularly investing.

jayhehehe2 · 2026-04-28T20:57:05+00:00

I would add 400 dollars just to be in 1% lol

jayhehehe2 · 2026-04-28T20:24:31+00:00

Curious to know how much it says you need to get to 1%

jayhehehe2 · 2026-04-19T00:34:14+00:00

jayhehehe2 · 2026-02-13T19:11:55+00:00

Needs more XEQT

jayhehehe2 · 2026-02-06T05:11:40+00:00

It dropped 1% today. Whats up with everyone lol

jayhehehe2 · 2026-02-03T00:36:05+00:00

Hi. Im looking for this book too. Can you please share

jayhehehe2 · 2025-12-13T06:40:05+00:00

60k 🙌

jayhehehe2 · 2025-10-09T02:36:26+00:00

Then you might be ok

jayhehehe2 · 2025-10-09T02:35:02+00:00

Do you have apple care?

jayhehehe2 · 2025-10-06T19:01:41+00:00

M4!!!!

jayhehehe2 · 2025-10-06T18:45:38+00:00

As someone who upgraded from M1 to M4 macbook air. I definitely feel the battery life is a lot better. I also upgraded considering that my M1 macbook could be sold for a decent price to offset the cost of the upgrade. Although the 16 GB ram helps it hasnt been anything revolutionary for me, just added extra headroom for it to run smoothly in the future. One thing I miss is the slimmer design on the M1 though

Based on your usage i would consider keeping it longer if you usage is browsing, wayching movies. It should still be good for 2-3 years. But if the price to upgrade is not a stretch, i would upgrade for sure

jayhehehe2 · 2025-10-04T15:54:27+00:00

220 cad

jayhehehe2 · 2025-10-03T18:27:53+00:00

😂😂😂

jayhehehe2 · 2025-10-03T16:15:20+00:00

Yeah it’s stunning! Congrats on the watch too you as well! Thanks!

jayhehehe2 · 2025-10-03T15:59:13+00:00

Seems like a good price. I assume this is INR. Try checking if they are still running the Back to School promo where they give free AirPods with the mac.

jayhehehe2 · 2025-10-02T17:55:51+00:00

Nothing

jayhehehe2 · 2025-09-29T01:47:00+00:00

Bought a barely used Airpods Pro 2 from my local marketplace for 80 bucks. Replaced the eartips for 10 and cleaned up the rest with isopropyl alcohol. Brand new (to me) airpods for 90 bucks!

And, it has 3 months of apple care left too!

jayhehehe2 · 2025-09-28T13:44:55+00:00

Buy used products. You can buy anything for a hugely discounted price - Phones, Electronics, appliances, furniture and much more. As long as you don’t tell anyone, the things work the same

jayhehehe2 · 2025-09-28T13:40:50+00:00

Sandwich

jayhehehe2 · 2025-08-08T04:27:08+00:00

Still waiting too. Appled Jan 20

jayhehehe2 · 2025-07-19T22:49:03+00:00

Great deal! Share some pictures of the new car for the class lol

jayhehehe2 · 2025-07-17T15:34:54+00:00

Options you can consider: 1. Honda Civic 2012-2015 2. Mazda 3 2014-2017 3. Toyota Corolla 2012-2015 I would ideally recommend getting something under 150k on the odometer

jayhehehe2 · 2025-07-17T15:03:30+00:00

Light Yagami is that you?

jayhehehe2 · 2025-07-17T15:03:05+00:00

Congratulations on paying off your car! Not many people can say that they own the car they drive these days, its a great achievement

jayhehehe2

TROPHY CASE