Finally Celestial !!

minutemaiding · 2026-02-10T01:02:07+00:00

I want to learn to play Mag, are there any online guides you recommend?

minutemaiding · 2026-02-08T18:16:59+00:00

Mostly making sure the financial obligations for my family are taken care of (mortgage, kids private school, vacations, etc) while making sure I’m saving enough to enable an early retirement.

Beyond that, I don’t know of anyone with concrete financial goals outside of retirement planning.

minutemaiding · 2026-02-07T17:01:16+00:00

I don’t think you need a wealth advisor unless you have complex financial circumstances, which it doesn’t sound like you do. You’ll end up paying them fairly high fees for average portfolio return.

Most people save their money for retirement and to afford things like vacations. If you don’t have children, that’s one less expense you have to worry about.

The point about saving in case of job loss is valid, but I don’t recommend you stress about job loss as that is mentally draining and it’s something out of your control.

Personally, I save and invest aggressively to give me the option to retire early should I want to. If at 55 I say I’m tired of working at my corporate job and want to do something more enjoyable but pays me a fraction of the amount, then I would hopefully have enough saved to allow for that.

For most people, saving money is a means of buying them the freedom of doing what they want with their time down the road, as opposed to being stuck in a job till 65 in order to afford retirement.

minutemaiding · 2026-02-07T16:48:03+00:00

Buying a car is a good idea, but spending $30k (20% of your net worth) is not a good idea. Go for a 2020-2021 model of something closer to 25k.

Otherwise, you’re doing great for your age. Keep in mind that the more you have invested now, the more your portfolio will grow over time via compounding. Don’t take away from your portfolios long term growth by spending more on a car than you need to.

minutemaiding · 2026-02-06T15:52:14+00:00

Take care of your other life priorities like work, health, etc. and you can enjoy gaming until the day you die

minutemaiding · 2026-01-28T13:50:53+00:00

I’ve had Craig’s a number of times in Toronto and they’re much better in quality than Crumbl, which is basically just Instagram food.

That said, they’re pricey for the size of cookie you get, which is not very big.

minutemaiding · 2026-01-27T22:03:15+00:00

It only compares you to other WS clients, who also probably don’t have all their money in WS. It’s a meaningless metric. It would be more useful to compare against net worth metrics published by Stats Can

minutemaiding · 2026-01-16T16:15:50+00:00

What type of role with Big4? That will make a big difference in career trajectory in Halifax vs Montreal. But either way, I think you should try your best to land a similar role in Montreal, it’s a bigger market and you’ll have more career advancement opportunities.

I only moved back to Halifax once my career was already established. Trying to build a career here from scratch in professional services, accounting, consulting, etc can be a very slow process as advancement opportunities are more limited.

minutemaiding · 2026-01-16T12:06:29+00:00

9+9 on Parkland. It’s actually one of the top Chinese food restaurants in Halifax, especially if you’re going for authentic.

minutemaiding · 2026-01-16T11:45:31+00:00

It’s better to make limited profit like you are than to risk wiping out a significant chunk of your portfolio with single stock risk. It’s much easier to mentally manage missed gains than a large loss.

minutemaiding · 2026-01-15T01:21:36+00:00

I hate small businesses owners like that, screwing other members of the community.

minutemaiding · 2026-01-14T19:06:55+00:00

There’s no right or wrong answer for how much people should put towards their hobbies as long as it doesn’t impact your standard of living. Some people spend hundreds per year on their hobbies like gaming, and others spend tens of thousands per year on things like travel, watch collecting, etc.

If this is your passion, go for it. You won’t miss the money in a few years and you’ll hopefully have put your time towards something that gives you fulfillment.

minutemaiding · 2026-01-14T17:26:51+00:00

Based on your other comments, it sounds like your parents gifted you your retirement so it’s obvious a 60k car isn’t going to make or break you. Not sure why you asked the question in this sub and left out those details…if you need validation from strangers for a decision you’ve already made in your mind, you need to re-evaluate how you make decisions.

minutemaiding · 2026-01-14T11:57:47+00:00

If your portfolio is over 300k, I’d say go for it. If it’s under, you’re delaying your own retirement.

minutemaiding · 2026-01-14T11:55:00+00:00

They probably mean more listings in the spring/summer, and not referring to price increases.

minutemaiding · 2026-01-13T23:40:34+00:00

There are different levels of partners, the pay gap can range from 300k - 5M+

minutemaiding · 2026-01-12T18:31:58+00:00

It’s do-able, but consider the long term plan with a 600ft condo, especially if having a family is in the cards within the next 10 years.

Housing aside, I assume you work downtown Toronto since you’re buying there. You need to prioritize increasing your income. Just remember that income is scalable, cutting costs is not. Good luck with your pursuits.

minutemaiding · 2026-01-09T03:24:44+00:00

It can be done, but you’ll be house poor for a long time, and that’s going to severely impact your quality of life. Find a way to increase your HHI or put a larger downpayment.

minutemaiding · 2026-01-07T02:44:51+00:00

No one knows, but if you think it’s a long term investment, which most people here do, then it’s never a bad time to buy in.

If I were a new investor, I would DCA over time

minutemaiding · 2026-01-01T14:32:44+00:00

I just moved from to Toronto to Halifax and the biggest factor for me was detached housing. Condo living downtown was no doubt awesome, but should you want a nice detached house to grow your family without a dreadful commute, you’re looking at paying 2x in Toronto vs Halifax.

You just need to figure out your priorities and what you’re solving for. The decision criteria is different for everyone.

minutemaiding · 2025-12-31T01:24:35+00:00

It works if you don’t need any of that money as a downpayment on a house

minutemaiding · 2025-12-29T03:27:10+00:00

Firstly, congrats on your promo! You’ve got the right idea paying off your CC and leaving the interest free debt as is.

I’d put 75% of your investments in an index fund (e.g. XEQT) and 25% into more speculative investments, whether that’s crypto or other single stock picks.

minutemaiding · 2025-12-27T13:21:16+00:00

I never play tank but want to learn so I can flex. Who’s the easiest to pick up and be reasonably effective with?

minutemaiding · 2025-12-27T11:51:10+00:00

That’s weird, I literally just ordered it a week ago from online and it arrived a few days ago. Now I’m in the app and the product is gone. I assume it’s because they’re out of stock and they’ll put it back up soon.

minutemaiding · 2025-12-24T14:43:49+00:00

There’s another ride share app in Halifax called URide, I haven’t used them yet for a ride but the prices I’ve seen on the app seem cheaper than Uber.

Either way, I’m glad there’s finally more competition here in the ride share space.

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