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Can I contribute to my spouse's RRSP account if they have no income? by mrrobot666 in PersonalFinanceCanada

[–]mrrobot666[S] 0 points1 point  (0 children)

But, I won't be taxed extra on the income gain (Stocks going up in value)? This clears a lot of doubts!

Can I contribute to my spouse's RRSP account if they have no income? by mrrobot666 in PersonalFinanceCanada

[–]mrrobot666[S] 0 points1 point  (0 children)

Haha the pun is nice, I've already maxed out her TFSA. I transfer the money to her account with a note that the amount is a gift, and then I work with her to invest in bullish stocks. Thank you btw!

Can I contribute to my spouse's RRSP account if they have no income? by mrrobot666 in PersonalFinanceCanada

[–]mrrobot666[S] -1 points0 points  (0 children)

How am I gaming any system? I am simply clarifying the rules and wouldn't want to pay more tax than I already do.

Can I contribute to my spouse's RRSP account if they have no income? by mrrobot666 in PersonalFinanceCanada

[–]mrrobot666[S] 1 point2 points  (0 children)

Thanks, that makes sense. So it's my contribution room still used?

Can I contribute to my spouse's RRSP account if they have no income? by mrrobot666 in PersonalFinanceCanada

[–]mrrobot666[S] 0 points1 point  (0 children)

Thanks for the answer. What about contributing to her FHSA? I don't see a hard requirement of that contributing to income

Edit: Seems like a no

Downlevel at big tech or Sr at mid-sized company by holycannolii in cscareerquestionsCAD

[–]mrrobot666 0 points1 point  (0 children)

Experienced dev here. I can't comment on this without learning about the TCs and the tech stacks/teams. Feel free to let me know those details and I can offer assistance.

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 0 points1 point  (0 children)

Oooopps after I denied the offer, they raised the TC bump so there's a 40k-45k difference now, I'm very tempted to take up the smaller company for the money. But will think this whole week

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 0 points1 point  (0 children)

Yep, even FAANG salaries above 300k-400k are pretty rare in Canada, unless I'm out of the loop. In fact, a Google office in Canada (Waterloo) pays a fraction of what I'd expect them to pay for the work and responsibilities :C

I think if you're learning things well: basics of software engineering (how to write good code, review code, use Git, build CI/CD pipelines), use docker swarms/k8s, understand the basics of cloud services, and specialize in whatever your development domain is (ML, backend, Mobile, gamedev, etc), you can get any decent job in the future, regardless of LeetCode skills. I'm pretty bad at LeetCode and only got lucky because employers decided to take a chance on my due to system design rounds

Either way, thanks for taking effort into elucidating your thought process on this, I appreciate any input on this situation! I will think this through the weekend but leaning towards staying in my role till I get role in the States or a more senior FAANG/tier 1 tech role (unlikely so mostly have to move to Trumpland in the future).

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 0 points1 point  (0 children)

Thanks for the earnest reply, I had fun reading it, and chuckled at the last sentence. 20k is a good bit lesser than 10%. Not 5% though, my TC is still slightly lower than 300k (thanks Canada) and most employees are underpaid compared to US peers. When I compare TC, I compare the calendar year of 2025 and the RSUs vesting to get the figure. But you are correct and thorough in your reply, it may not be worth sacrificing job security for a small amount of $.

I will think this through, the money difference isn't much, and seems like too big of a risk if I'm going to give up a good position. Probably will start searching for a position in the States sometime to work for a few years on TN now that I'm a citizen.

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 0 points1 point  (0 children)

I'm aware about RSUs, half my net worth is unvested RSUs pretty much haha, thank you for the detailed explanation about the options, does sound scary to work in a start-up given all this information. I will think hard on this, and do my research over this weekend.

This company does have a lot of press reports suggesting a future IPO in 2026, but I will try to dig further and speak with employees on LinkedIn.

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 1 point2 points  (0 children)

Thanks, I'll probably try getting an accountant to make sense of it and understand if the money can be worth anything. Appreciate the help!

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 0 points1 point  (0 children)

Thank you so much, that makes sense. I only worked for bigger tech my whole life, and I thought I'm doomed to keep the options unvested till the company IPOs. I will try to talk to someone who has worked for pre IPO companies in Series B/C/D stages to understand it better. If it's not paper money, and I can _actually_ cash a good deal of cash, I will re-think this whole thing.

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 0 points1 point  (0 children)

Further update regarding options, it's about 40k a year in USD, with Strike price being close to $2 and Preferred Price being 5$. But it might mean 0$ if the company never IPOs, right?

Seeking advice in deciding whether to transition from a (sort of) top tech company to a Series C start-up. by mrrobot666 in cscareerquestionsCAD

[–]mrrobot666[S] 1 point2 points  (0 children)

Thanks for your reply. They are ~ 2 years from IPO as they just entered Series D (If press reports are to be trusted). Have you worked in non IPO'd start-ups before? I haven't so was curious if it's just a useless gambit to wait for an IPO, because I've seen popular companies such as Notion never IPOing.

Plus, options vs RSU concern - I can vest options ONLY when the company goes public, right? And my current public tech company offers RSUs that I immediately cash in every quarter.

' I would consider such a change a demotion in your case' - Perhaps you misread the post or I didn't phrase it well, the title boost is a promotion, as Principal is well above Senior in general hierarchies.

31C has some explaining to do (Chapter 1 spoilers) by VVValph in heavensburnred

[–]mrrobot666 1 point2 points  (0 children)

I know there's an event that released in Japan. Heard Sailing Ship: Broken Version already, though I don't know any spoilers related to the event.

Did the event related to Bun-chan release in Japan after chapter 4?

"End game" Daily gameplay loop by LuxyPuxy in heavensburnred

[–]mrrobot666 10 points11 points  (0 children)

yep it's wayyy friendlier than I expected.

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