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Vancouver Off-Topic / Current EventsThe off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.
Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011
Location: North vancouver
Posts: 12,537
Thanked 32,150 Times in 7,471 Posts
Failed 211 Times in 159 Posts
Quote:
Originally Posted by RabidRat
For me, it's people with compassion and integrity. People who are generous: with their energy and their patience, and make an honest attempt to help others be better off.
THIS
People that actually have rewarding lives do it by making those around them have the best experiences they can. Being fuckin nice to people that deserve it, and even some that don't is the most valuable thing anyone can provide.
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__________________
98 technoviolet M3/2/5
Quote:
Originally Posted by boostfever
Westopher is correct.
Quote:
Originally Posted by fsy82
seems like you got a dick up your ass well..get that checked
Quote:
Originally Posted by punkwax
Well.. I’d hate to be the first to say it, but Westopher is correct.
Basic charge (39 days at 0.4216 per day) __________________ $16.44¦<CR
Daily fee that covers part of the cost of being
connected to our system
Delivery (7.4 GJ at 6.527 per GJ) _______________________________ $48.30¦<CR
Cost of delivering gas through our system to
your home or business
Storage & transport (7.4 GJ at 0.420 per GJ)
{Including 0.1 GJ RNG} __________________________________________________ __$3.11¦<CR
Cost to store and transport gas to our system
Cost of gas (7.3 GJ at 2.230 per GJ)__________________________ $16.28¦<CR
Market price of the gas you used
BC carbon tax (7.4 GJ at 3.9859 per GJ) __________________ $29.50<CR
Supports reduced carbon emissions
BC clean energy levy (0.40% of ¦
amounts)_______________$0.34CR
Supports clean energy technology
Biomethane credit (0.1 GJ at 3.9859 per GJ) ______________$0.40CR<
Credit for the carbon tax charged on RNG
GST (5% of <
amounts) _________________________________ $5.66
Total gas charges_________________________________ $119.23
Other charges & adjustments
Application charge _________________________________________________ $15.00#CR
GST (5% of #
amounts) __________________________________________________ $0.75CR
Total other charges ________________________________$15.75
UPDATE: My new bill jumped to 5.8J (last month 2.8J), so yours being 7.4J and you running your 2 x fireplaces (I don't turn mine on except the pilot) does make it somewhat in the same ballpark
__________________ Never argue with a dumbass, they drag you down to their level and try to beat you with experience
I'm shocked by the amount of people who are depressed and are on anti-depressants or ADHD med. Feels like 1 in 6 are on anti-depressants and 1 in 4 are on adderall / vvyanse
Dude Vyvanse totally changed my life for the better
Thank you to everyone for their thoughtful and in-depth replies, you guys have no idea how much I value these kind of replies. I read every single one throughout the day, there's a lot to unpack here and I believe in equal energy, so read my replies or don't. Not going to quote all as there's overlap and it's not that I don't value your opinion or feedback. I'm way beyond oversharing at this point so this gonna be lengthy and messy. (TIL there's no word count limit... good luck everyone. I'm on a 2160x3140 monitor with plenty of screen real estate)
While Dukes was half joking, I would categorize RS to be high value people - whether that be ballers (everyone's a baller in here) or people that have meaningful relationships. Hell I've met most people in this thread, and I can wholeheartedly say when I imagine a "high value individual", it's you guys.
There are two ppl here that I have basically "grown up with", I have so much admiration for them because I feel like they made it. They have the relationships, the friendships, the job, the money, the housing, and the experiences. I am envious but I know they both worked really fucking hard to make this happen. Props to you guys.
I (logically) know that comparison is bad and I know that there are a lot of people who have it way worse. But I think the "suck it up and deal with it", is the reason why I'm here now - it's not really dealt with just ignored.
To preface everything, I am in no way a positive benchmark for good financial decisions. It's all bad but tracking makes me feel normal so fuck it.
Quote:
Originally Posted by Gerbs
- $150K+ High income
- Successful social circle
- $500K-1.5+M NW by 30-35
- 10-12% body fat + muscle
- Looks maxing
- Fast cars + Nice watches
It's an intense and often superficial standard in which 95% of people will never obtain and the message seems to resonate that you're a piece of shit if you don't have this.
When I made this post, my definition of an high value individual isn't based off what social media says - material and monetary items - it's a whole package as person.
OTOH, the above is quite accurate to would like to see for myself to be a "high valued individual". I have experienced entrepreneurship so I know it is possible. I can't have it all (looks max), but I can have most of it. I *could* have gotten there, but it's now no longer possible due to mortgage obligations. I believe this is why I'm so disappointed with my life
Hell, had I not been greedy with HULK.V, I could have hit NW value at 24. This is a bit more complex as you know, but I guess I only lost M3 ICBC payout money (funded by COVID savings lol).
Quote:
Originally Posted by underscore
The people pushing that are usually either faking that they have it (either lying about having it, renting things or being in huge debt), or lying about how they got it.
While I appreciate the props from all my bros here, it wouldn't be fair to say that I have all those things. I know that I'm incredibly hard on myself, but that's for the reason that social media paints a one side picture. Those that know me, know that honesty is one of my core values. I don't want to set the connotation that I'm whining about how shitty my life is but I "have" all these nice things. I don't have all these things, they all come with asterisks.
Quote:
Originally Posted by Badhobz
Facts:
You own a single detached house in the GVRD. I was living with my parents at your age.
You drove bmws and m3s and now CTR.
You have enough disposable income that you can afford a car hobby and go to track days. Like real fucking track days where a normal weekend is basically min $1000
Facts:
I own 33% of a single detached house in the GVRD AND still live with my parents. I pay 50% of the mortgage, mom covers the other half, dad takes care of other regular household expenses. Emergency expenses are split 33% each as I strongly believe in equal. Context in spoiler.
Spoiler!
If I wasn't doing this, I would be living in the same low income housing townhouse (that we weren't getting subsidies for but still better than retail) with now 4 adults (myself, brother, mom, dad). It was 1000 sqft, 3 lvls, 2 bd 1 ba. My brother slept in the dining room with zero privacy. Our living room was my mom's office. And obvs with Asians, we don't talk. It's just yelling and not enough space apart in our home.
My parents has rented their entire life. Like many immigrant parents, they gave everything to us. The least I could do is to carry this burden of debt for them that is drowning me. As the eldest son, it's my responsibility and my sacrifice. I'm envious of my brother because he's planning on moving (escaping) to the US for tech work. OTOH, I'm "happy" to make this sacrifice for him bc it's the "right" thing to do, and integrity is important to me.
Growing up, I was so hard on my dad. He worked at a supermarket and aimed higher, only making minimum wage. It was so frustrating bc my mom works so hard and still does to this day - 18-20 hour days for as long as I can remember. I grew up pretty independently, raising my brother, but they did what they had to give us a future.
Now, I understand why my dad didn't leave his shitty job. Job security. You have to be able to put food on the table, so don't be a bitch and tough it out. I think that's why I also put up with so much shit at work and I'm scared to take the risk to quit. I need that job security or we default and are homeless.
I drove old BMWs and M3s, and now I drive a CTR that the bank owns and I just missed a payment on. Might get repo'd lol.
I don't have disposable income, I have a solid $92.48 in the bank right now. It's the only thing that makes me happy so I'll just put it on the LOC. That's how fixing my car post-track crash got funded. In previous years, I just made it work and I have no idea how.
Quote:
Originally Posted by westopher
Try and remove the financial and work portion from your self reflection for some times. I know that's not easy, as so much of our self worth comes from that, but really concentrate.
I don't necessarily tie work to happiness, but I enjoy taking ownership of things at work and I do take on a lot because I believe in doing things right and meticulously planned out. I know I do an outstanding job and I can't get fired.
I was at my happiest when I was building businesses. I can't do that anymore because mortgage requirements make it very difficult for self employed/small business owners. So I have to be employed for someone else, in order to have my mortgage.
Quote:
Originally Posted by RabidRat
If you're not currently attached right now, then a huge upside of that would be the ultimate freedom to just pack up and move somewhere totally different .
Not attached, attached to my burden of this house and familial commitments. I can't leave. I would love to. But it's not in the books.
Relationships
I assume that's what you mean by attached. I haven't been on a date or even talked to anyone in 4 years because I don't feel like I'm good enough or am a reasonably happy person to be around rn. I have all this familial baggage and debt that I'm carrying. I don't want to date and burden someone else with that. Like I see it as, these are my circumstances and it's what I have. So it is what it is. We don't all get what we want in life.
Quote:
Originally Posted by The Producer
For real man - save some pu$$y for the rest of us.
All yours. Haven't got laid in 4 years, hookup culture isn't for me, and well the rest is explained above.
Quote:
Originally Posted by Tapioca
I didn't own a detached house until I was 38. I have never bought a brand new car in my life. I have an empty passport. You're doing fine.
OTOH, you do have to enjoy the journey and find ways to derive joy during the daily grind when you can. Help your neighbour out with something, or open the door for an elderly person. Smile back at a toddler.
I recently celebrated my 10-year wedding anniversary with my wife. It was very meaningful - more meaningful than I realized. When you invest in relationships with other human beings, your perspective changes as well.
Travel (read: Escape)
I don't have an interest in travel; I never had vacations or general travel growing up. I dream about what AstulzerRZD and RabidRat have experienced - the growth from putting yourself outside your comfort zone. I have seen first hand how much AstulzerRZD has grown since hs and each phase of his life in whichever city he's in at the time. It's fucking impressive.
I always dream about moving to Toronto, Calgary, Australia, Seattle, but I know I can't because of the above familial circumstances.
New Car
I wouldn't normally buy a new car. Hell, I've only had 15+ year old cars prior to the FK8. I purchased it used in 2021, when all car pricing was fucked, so at the time it made sense. My justification was that I spent so much money on the 330ci to get it track prepped, for it to be marginally faster than a FRS but drives significantly worse. SOOOO i might as well spend more on smt out of the box. Plus I can't get rid of track, it's the only thing that keeps me going year after year.
Finding Joy In The Little Things/Human Relationships
In my OP, I mentioned that my friend commented on my self growth as an individual that I'm blind to.
Despite not being a holiday person my entire life (childhood trauma or w/e new term?), last year I made the intentional effort to express gratitude to those around me that appreciate me. I think as we get older it's important to be intentional with your efforts.
As a result I did a few dinners last year around Christmas to celebrate those around me, despite my ongoing financial burdens, and it did make me happy. Selfish, isn't it? Doing things for others because it makes me happy.
Quote:
Originally Posted by The Producer
Lastly - it's hard, but don't compare yourself to others. You're leading in the life game right now, it's just the early part of the race. Got a house at your age, you're earning well, and that you're taking care of people.
Quote:
Originally Posted by westopher
Try to show yourself the same care and respect as they do. Love yourself for the reasons people celebrate you and celebrate yourself for it as well. Tell people you care about them and see them smile.
Idk why I hold myself to an extremely high standard, but I think it's because expect a high standard from others, thus I should meet the same. I absolutely hate hypocrites and I refuse to be contradictory. It's hard for me to give myself grace when it feels like I'm not enough. I try my best to make others around me happy because frankly I'm not and if I'm forced to live then I might as well spend this time adding to other people's lives rather than taking from it.
Everything else below is kind of out of order.. oh well.
Quote:
Originally Posted by SkinnyPupp
Not to sound morbid but I am shocked the suicide rate hasn't skyrocketed over the past 5 years.
Well life insurance wouldn't pay out on suicide.. but if it's fine if I died today. At least my parents won't have to worry about the mortgage, my policies will pay it off. I'll die without having experienced "true love" (or have had a lot of sex) but I know my friends love me, so that's good enough. Can't win em all.
Quote:
Originally Posted by Hondaracer
The only reason why I can think of it hasn’t blown up is that ignorance is bliss, if you don’t understand what it’s like to be comfortable, you don’t have a reference to your happiness.
I think this is why I'm so unhappy. I was so happy being an entreprenuer in my early 20s, albeit no debt or burdens.
Quote:
Originally Posted by The Producer
Really your only bonehead play that I know of is dumping your E36. The only real high value individual is BMW Individual
Lowkey... I kinda miss that shitbox E36... but I have zero purpose of having it haha. It's not a daily and it's not a track car.
Quote:
Originally Posted by The Producer
take a social media break. start w a couple of days, see if you can get to a couple of weeks. pretty quick you'll figure out that a lot of that anxiety is coming from a non stop barrage of social media presence that only exists to exploit.
I don't actually spend that much time on social media.. well I post stories.. but don't watch many others LOL. But I know what you mean, social media and brain rot is actually fucked.
Quote:
Originally Posted by Gerbs
Imo having your shit together by 20's, your life has never been more comfortable.
You're WFH, Costco delivered to your door step w 20% off uber eats gift card, 12-2PM hits and you're saucing your S2000 to play some sports with your friends.
After work 4-6PM, you take your Type R up Seymour to go ski in the winter, then head back for a dinner/date that requires no in-person approaching because dating apps or friend referral.
Then proceed to sleep in the next day because no commute to work! YOY you're making more than you believe you'd ever make, I can't believe this is life lol
Yeah this isn't what my life looks like. I have a 45-1.5 hr commute daily, it's fucking awful, and lowkey making me a racist.
It's work. Go home. Smoke a bunch of weed to put up with the bullshit at work and what I call "life". End up in a deeper hole. Watch some porn to help me fall asleep (yes porn addiction is real and probably causing some of my probs too). Go to sleep. Repeat.
I have zero interest in dating (or pussy) bc I haven't been great to be around - I'm miserable.
Quote:
Originally Posted by Gerbs
But if you're stuck making $50-60K, gg lol
Exactly. I make 60K lol. And honestly who the fuck am i gonna date with $90 in my acct lol
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
That’s a lot of pressure for a young buck. Jesus Christ.
I know it’s not your parents fault and you are just trying to be the good son by providing them a detached house to live in as a reward for all their years of hard work, but if making these payments are robbing you of your life, you might need to step back from the brink and reassess the situation.
Would they entertain moving to a place with a bit less Asians like Calgary ? But where you don’t have to fork out 1.8mil for a house ? You can get a decent place for 700-800k and that way you’ll have way less stress.
If that’s not an option then you need more money. Period.
This is a lot of stress for a young guy like yourself and really in Vancouver there are only two real avenues to make money.
Trades or marriage. Either marry a rich bimbo or get into a lucrative trade.
The first few years of trades is gonna suck but then youll be 100k shortly. Like I’ve said to you at that dinner. Both CN and CP are constantly looking for conductors. They start at 80k and there is a 10k signing bonus. If you need help with studying or tips for being a conductor you can call me anytime.
Is it a good job? I say so. I enjoyed working with my brothers. The only caveat is it’s dangerous and the hours suck initially. If you’re not careful you could lose a leg or your life.
As for marrying into money, lots of China woman money floating around Richmond. Hell if you wanna come work out with me at the gym, you can date this Ferrari suv chick who’s trying to fucking feed me food and get me to go over to her house.
—————
Seems like a lot of your stress stems from you trying to keep this roof over your family. That kinda shit isn’t easy especially for someone your age.
You being this miserable is also affecting your pussy game. You losing interest in the chase because you’re stressed. Once you fix that big powder keg problem then your disposition will
Improve and the pussy will cum-ith.
Would have to agree with Hobz in regards to the living situation. If your current arrangement is robbing you of happiness and freedom in your life because you’re handcuffed to it, might want to reassess that situation because it sounds like it isn’t bound to change in the next 10/20 years. That’s a long time to essentially commit to that arrangement and as you said, you need to live that same way in order to maintain payments, etc. sounds like you’re turning into what you didn’t like about your dad growing up?
Maybe there isn’t a better solution given cost of living etc. but there are always options, might have to think outside the box, get your parents into a Coop, etc.
__________________
Dank memes cant melt steel beams
As for marrying into money, lots of China woman money floating around Richmond. Hell if you wanna come work out with me at the gym, you can date this Ferrari suv chick who’s trying to fucking feed me food and get me to go over to her house.
confirmed badhobz's life is basically a romance dating manga
K, I feel shitty now being so snarky yesterday without knowing the whole story. Sorry you're having to go through this BIC BAWS, your 20s should be a time to discover yourself and find out what the world has to offer you. I say SHOULD because there's so many that didn't/don't have that kind of privilege and those that do rarely see outside their bubble. It sounds to me like you're in a real tight spot.
DOn't really have any sage advice to give you but seems to me you're taking on yourself the weight of the world and you're trying to fix everything in your life at the same time. This is overwhelming I can only imagine. If money issues are your biggest concern, can you focus on that? Promotion, more education, entrepreneurship, whatever you need to get you ahead if that's what you deem a priority. Hyper focusing on what your friends are doing and/or chasing pussy is probably not what you need right now.
Also your brother moving to the US for a tech job, can he not help out more with the mortgage? Doesn't seem like it's fair for you to shoulder much of the family expenses. I can relate tho you're probably the first born and you think it's your responsibility to take on this burden. But you're still young (late 20s?) and although it doesn't seem like you are anymore you still have a ton of life experiences ahead of you. You are your own person with your own wishes and dreams, not a productivity robot. We also don't live in Asia anymore where this BS first born burden is ingrained.
Also if you're having thoughts about suicide or ending things hoping that it'll make things easier for your family...it won't. Please talk to a mental health professional. We're all gunning for you. Good luck bro
You need to either cut cost or make more money or both.
1. We're all car enthusiasts and hurts to say it but you need to sell your CTR like yesterday and get an appliance car. Don't tank your credit score for an expensive hobby.
2. I don't know your education/skillset or what the circumstances were that you had to shut down your businesses but you cant survive on 60K with your responsibilities.
3. Might have to explore selling the house if it appreciated in value. Like Hondaracer said, your parents can qualify for a co-op or a low income housing and it'll set you free financially to focus on yourself.
4. Move to Alberta... depends on the individual's skillset/desires. The job market there is hit or miss.
You need to either cut cost or make more money or both.
1. We're all car enthusiasts and hurts to say it but you need to sell your CTR like yesterday and get an appliance car. Don't tank your credit score for an expensive hobby.
2. I don't know your education/skillset or what the circumstances were that you had to shut down your businesses but you cant survive on 60K with your responsibilities.
3. Might have to explore selling the house if it appreciated in value. Like Hondaracer said, your parents can qualify for a co-op or a low income housing and it'll set you free financially to focus on yourself.
4. Move to Alberta... depends on the individual's skillset/desires. The job market there is hit or miss.
I thought the mortgage was at a crazy low interest rate?
Probably doesn't make sense to move if you're in at 800k at like 1.3%
The car purchased in 2021 is probably also a lower interest rate (3%?).
Again, you could sell it but unless you buy a total beater it doesn't rly make sense.
The best new car deal I can find rn is ~500/mo taxes in on a Equinox EV.
Not much cost to cut here other than selling the FK8 and driving the Civic but need to boost income/earnings.
Bro sending money back (depending on timeline) can help with the short term pain.
Once there's a bit of room to breathe, I do see a longer term horizon change that starts with physical/mental health + finding more positive male and career leadership.
Mortgage was at 3.99%, now at 5.99%. Current owing is around 600K? Idk my mom takes care of that I just make sure I pay into our joint. Her goal is to clear another 300K by 2028 at which point they'll retire and I will have to take on 100% of the mtg, which is fair bc she's doing double payments now. And it should be more feasible at 300K mtg in 2028.
Car is at 3.99% and I think it's not worth selling or switching. I'll keep it forever.
It's only one payment... This year. RBC is pretty forgiving so there hasn't been any hits on my credit.
Car payment is more of a cash flow issue this month.
I need to cut down on eating out and honestly track days. I did 6 this year.. all fire sale but still.
Quote:
Originally Posted by CivicBlues
K, I feel shitty now being so snarky yesterday without knowing the whole story.
Also if you're having thoughts about suicide or ending things hoping that it'll make things easier for your family...it won't. Please talk to a mental health professional. We're all gunning for you. Good luck bro
The beauty of social media (or RS) huh... This is why context is important to me and being transparent. I have no qualms about giving the full story and if someone wanted to look in post history, it's reflected there as well. Plus, here it's easy enough to scroll past if you don't want to read it. I wouldn't post this on my personal social media.. ironically.
I don't actively want to commit suicide... I think committing suicide is selfish and a cry for help. I'm saying if I happened to die, it is what it is. Some people are so scared to die, I'm not. I'm living what I can now, but lately in the past year minus the few track days it feels like I'm not really living so it's all the same to me.
I wouldn't attempt (as an adult) because I would feel guilty that I'm burdening you guys, my friends and my family for not seeing the signs and doing something about it.
I should rephrase and shouldn't joke about it because it is difficult and I don't want to diminish those who have attempted - successful or not.
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011
Location: North vancouver
Posts: 12,537
Thanked 32,150 Times in 7,471 Posts
Failed 211 Times in 159 Posts
I think adhd and anxiety meds are gonna be the next drug that we find out really fucked our health in the next 20 years (I'm on anti anxiety and it helps immensely so this isn't some judgement btw) but I'm sure certain drugs like adderall and shit are going to come with serious implications for circulatory health and these SSRI meds are going to have some sort of dementia related implications.
Adderall is just diet cocaine and SSRIs are just diet ecstasy lol.
__________________
98 technoviolet M3/2/5
Quote:
Originally Posted by boostfever
Westopher is correct.
Quote:
Originally Posted by fsy82
seems like you got a dick up your ass well..get that checked
Quote:
Originally Posted by punkwax
Well.. I’d hate to be the first to say it, but Westopher is correct.
I dunno man. Agree with others that something's gotta give. Either you pivot on liabilities to reduce your cashflow burden, or you make more money. If you feel like the latter is absolutely not an option, then I think your remaining path is to downsize.
I'm guessing you've got enough equity in that house to be able to buy a townhouse or a condo outright for your parents + brother to be in comfortably? Or at least, you'd significantly lower mortgage payments on a TH or condo.
Does that then give you the breathing room you need to live a more sustainable life?
I get that financially speaking there is supposed to be a "bigger payoff" from owning a detached house, but it's also costing you guys significantly to be under this much burden. In a quantifiable way: opportunity cost of not being able to be in a higher-income career. But plus also the mental toll on you, which sounds horrible.
Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011
Location: North vancouver
Posts: 12,537
Thanked 32,150 Times in 7,471 Posts
Failed 211 Times in 159 Posts
Quote:
Originally Posted by Hondaracer
Don’t think anything you have to take consistently has a positive impact on your health
One thing I'm learning as I get older. Anything habitual either has a large positive or large negative effect on your health. Maybe both, but never neither.
__________________
98 technoviolet M3/2/5
Quote:
Originally Posted by boostfever
Westopher is correct.
Quote:
Originally Posted by fsy82
seems like you got a dick up your ass well..get that checked
Quote:
Originally Posted by punkwax
Well.. I’d hate to be the first to say it, but Westopher is correct.
i have mild adult adhd and tried vyvanse, but it gives me a massive headache at 20mg. i even tried 10mg and it still gave me headaches, so i stopped.
it's definitely a strong stimulant and makes you feel like you're on coke or something without the sketchiness. for me the benefits were not really there even despite the headaches, and with the headaches it was in no way worth taking. my friend who takes adderall said for him it makes him feel like superman and it completely changed his life. thing is i would have never even thought he had adhd before he told me about it, especially not in a severe enough way that meds would help him that significantly.
Can you adhd mother fuckers go back on topic?!?!? Oh wait….
So if your folks are gonna retire soon then you and ideally your brother too, needs to plan out a path to ensure you guys don’t lose the house.
You got a wee bit of time so you gotta make a plan.
Old fucks can get on the government tit. My mom and dad are both on OAS GIS CPP and they clear around 3k a month. That’s enough for them to eat and pay the bills since they were thrifty anyways. The mortgage is taken care of already so they live okay with 3k a month. Factor that into financial calculation
So if around 600k you still are doing 4-5k a month on mortgage and that means you should ideally have a combined income of 6-7k a month net. I mean even with these kind of numbers you’re barely keeping your head above water but it’s doable. So that’s a 100k a year job needed.
Either do your job currently, which you loath, and supplement with some gig economy stuff, or retool into a field that’s in demand. You can get a 100k a year trades job relatively easily in Vancouver or even in Calgary. Like I said conductors are short everywhere.
These fuck faces cheaped out. Used to be 10k signing bonus. Apply and I’ll help you study for the test and even show you the ropes. I still got a lot of conductor friends.
——————
As for off ing yourself. I’m sure most of us have all thought about it at one point or another.
Like you, I also don’t care if I live or die. It’s weird because my wife is deadly afraid of dying because she feels like she hasn’t spent all her money and then it’s gonna go to our fuck head nephew lawl. You know what keeps me grounded and still alive ? My wife. I feel obligated to take care of her. I made her dad a promise I’d take care of her and i don’t break my promises. I give her shit all the time but I’d do anything for that woman. Same with my chihuahuas… wruhh chihuahua now. I might not have much to live for myself, but I gotta keep living for others.
It might just be a Chinese guy thing…. I watch a lot of YouTube videos were the dudes all look like they want to end it. Or have similar thoughts.
Not to down play your situation. I’m just saying it’s okay to have these sorts of thoughts… a lot of us do. It’s also okay to recognize these are probably not healthy thoughts and basically a red flag to come in and take a pit stop.
I also think paying down a mortgage and prioritizing that is such an old school way of thinking. If you’re on a variable rate and you get back down to 3.5 or lower, you’ve gotta start making fewer payments on the mortgage and more into a portfolio.
This again is a scenario where you parents are likely going to drag down your future if they have the mindset of mortgage over everything. My parents, now in their mid 60’s, one of their biggest regrets is having thay mentality as opposed to building wealth when money was cheap.
When they were both working they had a household income of over 400k and for the last 5-6 years have focused on growing wealth as opposed to paying off their mortgage completely. They still carry a minuscule mortgage but they’ve VASTLY increased their retirement savings by prioritizing investments over their mortgage.
If you’re parents aren’t into that and just continue these double payment, lump sum, mortgage reducers, honestly this is a great way to stay average/poor forever imo.
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Dank memes cant melt steel beams
It's time to reconsider your career path to something more stable and that allows you to earn more. $60K out of school in Vancouver is ok for a few years, but it is not sustainable long term. You eventually have to be your own man and do your own thing. You don't need to burden the responsibilities of your parents for the rest of your life, so mutually, you both will need to learn how to go on your own respective paths, while keeping close as a family.
Can you adhd mother fuckers go back on topic?!?!? Oh wait….
So if your folks are gonna retire soon then you and ideally your brother too, needs to plan out a path to ensure you guys don’t lose the house.
You got a wee bit of time so you gotta make a plan.
Old fucks can get on the government tit. My mom and dad are both on OAS GIS CPP and they clear around 3k a month. That’s enough for them to eat and pay the bills since they were thrifty anyways. The mortgage is taken care of already so they live okay with 3k a month. Factor that into financial calculation
So if around 600k you still are doing 4-5k a month on mortgage and that means you should ideally have a combined income of 6-7k a month net. I mean even with these kind of numbers you’re barely keeping your head above water but it’s doable. So that’s a 100k a year job needed.
Either do your job currently, which you loath, and supplement with some gig economy stuff, or retool into a field that’s in demand. You can get a 100k a year trades job relatively easily in Vancouver or even in Calgary. Like I said conductors are short everywhere.
These fuck faces cheaped out. Used to be 10k signing bonus.
My coworker was telling me about his time working at CP rail in Poco as a conductor during the pandemic.. wow it's some scary/thrilling shit and good chance losing a leg if you forget to put the brakes and the car starts rolling away and you gotta run and jump on. Also you're on call like 24/7. When can you start driving the train?
Also translink will pay your class 1 + air brake endorsement with decent pay.
Diamond mines in Northwest Territories or the Oil Sands in Alberta do 2 weeks on, 2 weeks off. Good pay with overtime but it's not for everyone. A guy I know just chills and monitors the automated trucks and override as necessary.
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