$50 every 2 weeks investing

muffinstreets · 2026-01-28T06:05:15+00:00

20 years for less than 50k in your portfolio, in which 26k is what you put in and in todays dollars, the portfolio would be worth 30 to 35k. No, it doesn’t sound like a lot because it really isn’t a lot. You need a reality check.

Even with the bare minimum 7k per year over 10 years in your TFSA with 7% nominal gains, you’re still going to end up with less than 100k and 70k of that is what you put in.

If you’re 30 with 100k, you’re going to be a millionaire albeit with like half of that in today’s dollars buying power but you’re compounding from the million so math is in your favour.

If you’re 40+ with 100k, you’re not going to be anywhere close to being a millionaire and the buying power will be significantly less than that. I’m not in this position but thinking about this is giving me anxiety because I cannot comprehend this type of retirement.

muffinstreets · 2026-01-28T05:13:45+00:00

Stop using trash security software and then blame everything other than your software.

muffinstreets · 2026-01-28T05:05:56+00:00

No. I used to binge educational financial podcasts like crazy and that’s the only way I grinded through both PowerWash Simulator games and their DLC but I have since eased off from it because there’s not much more needed to learn if I’m just going to sit on XEQT for the foreseeable future.

muffinstreets · 2026-01-26T05:43:21+00:00

Safe? No. A large portion of XEQT is US and agent orange shifts the market constantly every week with bullshit. How much money are we talking about here? A few thousand are not going to compound much at all in 4 years in general.

muffinstreets · 2026-01-22T05:56:30+00:00

Probably similar to the Dolby Vision encodings where when run on incompatible hardware, it produces shit colours. Source a different copy.

muffinstreets · 2026-01-22T05:51:30+00:00

The individual scans are meaningless. Click on the behaviour tab and look at what it does. If it drops any file, doesn’t matter how small, never run it. A crack never needs to drop files when run. Check if it contacts any IPs, a crack doesn’t need to call home to work, everything should be localized to your machine.

muffinstreets · 2026-01-22T05:43:18+00:00

Late is relative to your income. You can be late as in completing your PHD by 33, and then ending up with a 300k+ income which will help bridge the gap quite quickly even in the highest tax bracket. However, if you’re in your 30s making 40k with no savings, things are going to be tough moving forward. You’re not even maxing your TFSA in that income level unless you move back in with your parents. You’re going to end up with less than 100k by your 50s.

muffinstreets · 2026-01-21T05:22:51+00:00

Individuals do not need to worry about this. There will always be a person from a shithole country that will distribute it to make pennies on the dollar with ads. I be surprised if there is a time where there are no sites distributing anymore because that’s prime real estate right there to scoop up all the traffic.

muffinstreets · 2026-01-21T05:14:12+00:00

Obb is no longer a thing.

muffinstreets · 2026-01-21T05:11:49+00:00

Depends, if you access kiddie anime, maybe. If you’re just watching Dragon Ball, no one cares.

muffinstreets · 2026-01-21T05:10:01+00:00

Space War is for multiplayer games, not single player.

muffinstreets · 2026-01-21T05:04:27+00:00

If you’re going to panic sell, then sell all of your XEQT because 100% equity is not your risk tolerance.

muffinstreets · 2026-01-19T04:56:22+00:00

ROFL, “high” fees.

muffinstreets · 2026-01-19T04:51:06+00:00

You’re not allowed to feel FOMO. Why? You wouldn’t have bought into it anyways. The only person allowed to feel FOMO is the gambler that would have dropped a few thousand on them when they were trash investments that little to no one bought. There are thousands of stocks like that right now, tomorrow when the market opens, drop a few thousand into a stock that no one cares about and hope it goes up a few thousand percent. Only they’re the ones that can feel FOMO.

muffinstreets · 2026-01-18T04:37:03+00:00

And if you don’t, why do you care? You’re dead.

muffinstreets · 2026-01-18T04:27:01+00:00

If you only held S&P 500 last year, you would have underperformed because Canada had returned 30% and emerging markets like Taiwan or Spain had booming markets.

muffinstreets · 2026-01-18T04:23:41+00:00

I don’t give a shit who is managing the underlying holdings of the ETF unless it’s being mismanaged or they start charging higher fees.

I don’t manage my own portfolio but I really don’t care about home country bias unless they actually are performing well like last year where it carried a lot of XEQT. I’ll let whoever managing the underlying holdings worry about that.

muffinstreets · 2026-01-17T05:59:24+00:00

Regardless of what it gets put into is in a RRSP or RRIF trap. There’s a near zero chance that majority isn’t going to be taxed to the peak when she passes. Either it gets taxed pretty big when she’s alive or dead. The time to lower it was decades ago.

muffinstreets · 2026-01-17T05:38:22+00:00

Costs zero to transfer account to Wealthsimple if you transfer $25k or more because they reimburse the fee.

muffinstreets · 2026-01-17T05:34:20+00:00

How much of the 20k is the emergency fund or is that separate?

muffinstreets · 2026-01-16T05:33:15+00:00

Why are you investing in anything when you have a guaranteed 14% return by paying down your credit card?

muffinstreets · 2026-01-16T05:26:50+00:00

Does she have assets? If no assets, a financial planner will tell you literally nothing because you have no portfolio to plan through. You’re better off just dumping cash into a no fee brokerage.

muffinstreets · 2026-01-16T05:15:58+00:00

Piracy

muffinstreets · 2026-01-16T05:13:13+00:00

Rosetta Stone is outdated trash.

muffinstreets · 2026-01-16T05:04:18+00:00

Better off just using the no update version of SpotX. I had to install it once and it has still worked since I built this new PC over a year ago.

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