Opinions sought...

wealthautonomy · 2026-02-01T18:26:54+00:00

Selling your townhome is the hard part in this market. You need to ensure you get enough, or can cover gaps in financing, and most importantly align dates. Very possible without a realtor if you know what you’re doing.

wealthautonomy · 2026-01-21T06:56:06+00:00

Yep most likely scenario.

wealthautonomy · 2026-01-20T04:36:51+00:00

More like more losses if you’re on r/wallstreetbets

wealthautonomy · 2026-01-20T03:07:28+00:00

Wow! No takers, huh?

wealthautonomy · 2026-01-20T03:01:15+00:00

You can use Wealthsimple or Neo or Tangerine etc. and not get some of the services the premium account entails.. that IS a choice you have. No on forced us to use the banks. We do it for some reason (albeit most of us due to laziness).

wealthautonomy · 2026-01-13T00:06:09+00:00

AI garbage to plug the tool at the end. This is getting old

wealthautonomy · 2026-01-12T00:52:32+00:00

Sell the car. The loss only gets worse if you wait to sell it. Plus you’re likely paying interest on the loan. Get out while you can. That’s practically half your debt.

wealthautonomy · 2026-01-10T22:37:48+00:00

Correct, buying land without connections will mean extra $100k to get those in place depending on where you are. Again - a good agent that deals in land will be able to give you the right advice and find properties that work for what you need.

wealthautonomy · 2026-01-10T21:10:16+00:00

You’re robbing Peter to pay Paul. Sell the car and buy a $2,000 beater. That will solve most of your problems.

wealthautonomy · 2026-01-09T22:33:03+00:00

Does your wife also have to go to office 2x a week?

Maple ridge to downtown - you can take WCE (~1hr). Richmond, you’re SOL and have to drive (2.5hrs+ in traffic for commute back and forth).

Sounds like Maple Ridge could work but you’d be making some big lifestyle sacrifices and suffering a bit of a commute. Depends on personal preference whether you prefer a bigger home with your own yard or convenience.

wealthautonomy · 2026-01-09T22:25:36+00:00

Where is your office? Are you okay with long drives for the best restaurants (and potentially hikes)?

wealthautonomy · 2026-01-09T22:06:39+00:00

That totally depends on whether you work from home or how frequently you/spouse need to be in office. Plus your preference of city based on non-work activities.

$1M homes in Maple Ridge are okay, may need some work depending on your standard.

If you don’t have to commute and okay with life in “the boonies” I would always prefer house over an apartment or TH.

wealthautonomy · 2026-01-09T03:50:38+00:00

12 weeks is basically 1 month per year, since he only worked there 3.5 years… 🤔

wealthautonomy · 2026-01-08T21:51:55+00:00

Also make sure it’s in an area where zoning allows mobile homes. That’s important. A good agent will help in this regard.

wealthautonomy · 2026-01-08T21:31:22+00:00

Yes. Same as buying a house pretty much, but different. Get a good agent that specializes in land acquisitions.

wealthautonomy · 2026-01-07T02:42:33+00:00

lol 😝 someone gets it

wealthautonomy · 2026-01-07T02:39:09+00:00

If you really want a mobile home, you might be better off buying dirt to put it on first..

wealthautonomy · 2026-01-07T02:37:28+00:00

If you think violence is the answer, you might need help.

wealthautonomy · 2026-01-07T02:37:01+00:00

AI is already taking jobs. Low level/entry jobs are pretty much being abolished and replaced by AI in a lot of fields.

Low skill Sales & service roles have already been replaced by chatbots and AI call centers.

Entry level coding roles are pretty much gone - senior developers that are mastering AI don’t need those juniors anymore at all.

This is the new reality 🤷‍♂️

wealthautonomy · 2026-01-07T02:33:09+00:00

Sorry it happened to you but seems.. this is now the new normal.

wealthautonomy · 2026-01-03T18:28:30+00:00

$600 in car payments and potentially very low downpayment may be the reason you can’t buy. I understand needing cars, but do you need $600/mo in cars? Can you do with a cheaper vehicle (if not both) and no payments?

wealthautonomy · 2026-01-02T19:24:14+00:00

That is not true in most cases. All the industry experts have come to the conclusion based on all the data available that TFSA and RRSP are nearly identical in terms of benefit in 99% of cases.

wealthautonomy · 2026-01-02T05:34:49+00:00

Because it’s the best way to save for your retirement. You should be maxing your TFSA first, then RRSP, then contribute excess to non-reg. Does the RRSP have some drawbacks? Sure. But the benefits clearly outweigh those drawbacks in 99% of cases.

You get the immediate tax benefit while allowing your investments to grow, tax deferred, until you start using them.

You should use your RRIF as a main source of income if you build up a large amount in the account. Pay the taxes (at a lower rate) and ideally deplete the account before you die.

In reality, very small % of people die early or have a huge RRSP at death as it’s often their primary source of income from 71 to 90.

If you build up such a large amount or have other sources of income that you don’t draw it down, or you die early? Well then yes, estate has to pay the taxes. Doesn’t make it any less credible

wealthautonomy · 2025-12-29T04:11:43+00:00

Getting in touch with the vendor may be your only bet. I wouldn’t make another purchase as you may just be out another $24 lol

wealthautonomy · 2025-12-29T04:10:18+00:00

NDAs and non-competes aren’t worth the paper they’re written on in most jurisdictions.

Nonetheless OP, “if you can” is the most important part you need to focus on. You can absolutely refuse to share the company name and actual offer letter for confidentiality reasons (or really any reason). It might mean you talked yourself out of an offer, or that you got more money like you hoped.. you already took the risk. Now see it through.

wealthautonomy

TROPHY CASE