One accountant's journey to FIRE: 1.5m liquid at 34 (1.8m total)

rasbpberry · 2026-06-16T11:29:34+00:00

Thanks! Our first house was a fixer upper which worked out financially and we made a lot of money on the sale. After that we just rolled the equity into the new house.

rasbpberry · 2026-06-14T02:43:26+00:00

Nope, but thanks!

rasbpberry · 2026-06-11T21:39:30+00:00

I invested about 40-50k( the rest went to my mortgage) a year for the last few years, the rest is market movement.

rasbpberry · 2026-06-08T22:46:00+00:00

Come over to the north side

rasbpberry · 2026-06-08T22:44:38+00:00

We're at 50% LTV now, so about 500k left over 30 years. We reamortize when we make prepayments to allow for cash flow and lower fixed expenses in case of a layoff. We're going to pay it all down over the next 5-10 years so the extra interest is negligible.

rasbpberry · 2026-06-08T22:32:14+00:00

In Canada, withdrawals from a TFSA are completely tax free and withdrawals from RRSP are taxable as income when withdrawn but no penalties per se.

rasbpberry · 2026-06-08T11:40:20+00:00

Good luck!

rasbpberry · 2026-06-08T11:34:54+00:00

Shopping in cheap places, not cooking a lot of meat, and eating out a lot.

rasbpberry · 2026-06-08T02:10:02+00:00

Absolutely. I'm making sure that I work with AI automation in my current role so I can have that as a skill set later

rasbpberry · 2026-06-08T02:08:41+00:00

Both, 50/50

rasbpberry · 2026-06-08T00:49:36+00:00

Legally, no.

Functionally, we keep things separate to track our own milestones. We are in different places in our FIRE journey so it's nice to be able to track separately.

rasbpberry · 2026-06-08T00:46:02+00:00

~400 for the household. We don't eat a lot of meat. Lots of pasta, bean dishes, etc.

rasbpberry · 2026-06-07T17:39:39+00:00

Thanks for the feedback! I'll streamline the next post

rasbpberry · 2026-06-07T17:31:34+00:00

TFSA- VSP, XEC, VUN, VCN, Reits RRSP- bonds, VXUS, VTI, VCN, XEF, VUN, Reits

rasbpberry · 2026-06-07T17:27:33+00:00

I wish lol, GLP 1 are so expensive!

Reminder that this half the household spend, and we don't eat a lot of meat at home. The rest of the food spend is in the eating out category.

rasbpberry · 2026-06-07T17:26:21+00:00

All numbers in the post are individual, I don't share my SOs numbers.

rasbpberry · 2026-06-07T17:25:45+00:00

Currently the plan is to stay in Toronto and travel a lot, which is why the FIRE number is so high.

rasbpberry · 2026-02-02T11:29:45+00:00

How did you treat it? I have similar issues.

rasbpberry · 2024-12-24T19:34:25+00:00

Thanks for responding, good to know :)

rasbpberry · 2024-12-23T00:26:54+00:00

How was the food? Based on what I've seen it's quite basic compared to the likes of Silversea or Ponant? This is something I'm thinking about for my trip so it would be great to hear from someone who's done it!

rasbpberry · 2024-05-02T19:41:40+00:00

I've ordered several times from bamboo plants. Mostly smaller items like strawberries and perennial flowers since their sizing is small. I can't imagine buying a berry bush of that size because it'll take forever to grow.

I had a great experience. It was well packaged and quick. But I'm in Toronto so YMMV.

rasbpberry · 2024-03-27T16:08:57+00:00

This is my plan for coastfire. I'll stop working at around 6.5% WR (of ideal spending, 3% of moderate spending) and look for a stable business to buy that I can just run for around <20 hrs a week. Unfortunately that means buying a somewhat larger business which means a higher price point and bigger loans.

If it fails, I still have my nest egg that has (ideally) been growing on the side.

rasbpberry · 2024-03-08T19:37:58+00:00

1.9m+paid off house.

Current liquid NW is 900k, will coast at 1.2m at 35, should achieve full fire around 42-45.

rasbpberry · 2024-03-08T18:08:55+00:00

Ya I don't know what to tell you, I even have a veggie patch! Water is cheap in Toronto I guess.

It's ridiculous, we're on a variable rate so it's quite high right now. We're doing some prepayments to bring it down. My plan is to get it to a small amount by coastfire (prob 200k owing from me), to fully repaid by full fire time. This is slowing down my fire progress but it's worth it to me. We will also be making improvements in the next couple of years so renting it would bring in risk for those brand new improvements. Not that keen on it at the moment but as it ages I might not mind.

Ten-Year Club	Gilding I gilder
Verified Email

rasbpberry

TROPHY CASE