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Old 09-02-2022, 03:07 PM   #23376
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Everyone's different. Some people live for others, some live for themselves. Most people are some hybrid of the two. For your father, and for many immigrant parents, he didn't get any enjoyment from working but instead focused on raising his family and gaining enjoyment from them. It's not like they had much of a choice with the way they were brought up and the circumstances they found themselves in.

For many in our generation a lot of us don't enjoy our work but we find enjoyment through our hobbies, travel, spending time with friends and family. There's nothing wrong with that either. But try telling people they shouldn't make memories and delay gratification like your father did, I don't think your dad would approve of that. He sacrificed exactly that so that you could have that kind of life he didn't have a choice in, so that you could enjoy time with your kids, friends, travel, etc.

So yes - work hard/smart, save money for a rainy day retirement, invest. But to perpetuate the "Immigrant Grind" for no good reason is doing a disservice to our parents and our kids.
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Old 09-02-2022, 03:09 PM   #23377
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That’s kinda the first generation mentality. Some people like that are just block heads though and are too proud to admit they spent the vast majority of their life miserable. That or they spent so much of their time toiling away they never actually learned what made them happy.

Honestly if you don’t have help or luck in the form of a monetary supplement, you’re kinda fucked here in terms of being able to actually enjoy life. A lot of dumb dumbs don’t and don’t have a decent career path and then they think having a kid will solve those problems lol.. enjoy
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Old 09-02-2022, 03:19 PM   #23378
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Man it sounds like some people's lives in this thread are all planned out on a spreadsheet or something lol.

"If the data is correct, Yes Mike I can go out tonight, for one beer."
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Old 09-02-2022, 03:44 PM   #23379
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haha that's what happens when you finally got it all, but now nobody likes you including your wife
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Old 09-02-2022, 05:38 PM   #23380
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Man it sounds like some people's lives in this thread are all planned out on a spreadsheet or something lol.

"If the data is correct, Yes Mike I can go out tonight, for one beer."
You should see Gerbs. It's way more indepth than my E46 Cost of Ownership spreadsheet - and that was a fun sheet LOL

Gerbs - let's go swing. Sounds like you need a break.

One of the learning pains in my quarter life crisis is like Gerbs mentioned, you need money to have fun hobbies. Having the quote on quote, well rounded individual lifestyle, requires a fuckton of liquid assets. To echo his sentiment and to outline specifically how social media affects people, by mid-20s you now have the pressure to live that romantized tiktok lifestyle everyday - gym, eat well, have a nice body, hang out with attractive people, party, do some kind of eccentric sport (cycling/golf is in rn), have a nice car, have a nice place to flex.

It's all so stupid but it feels like you have to achieve all that to just be on par with everyone else. Sometimes I think I'd also feel happier to have just moved out and rented, instead of being financially responsible and responsible as the eldest son, to mortgage a SFH for the family. Or maybe if I had financed a 10 year old M3 instead of a Type R.

Idk about Gerbs, but for most of everyone's life you're told what to do, when to do it, how to do it - you're given a road map. Not only that, you're also made to believe you're young, it'll get easier when you're older. I don't think it gets easier, you just have different battles to fight.

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Old 09-02-2022, 05:55 PM   #23381
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The E46 spreadsheet is one thing; It's something you are/were (not sure now) passionate about. You find something you love and you dig deep into its roots like in that video I posted the page back. You fall so deeply in love with something it gets plain stupid. And it's all good.

But to live your life Excel sheet by Excel sheet, someone please, put a bullet through my head.
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Old 09-02-2022, 06:28 PM   #23382
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That spreadsheet and working all the side gigs just to scrape by on life is probably what's killing him rn.

Tho man's out golfing every other day idk what he's on about

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Old 09-02-2022, 06:30 PM   #23383
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Let’s go play a round. Northlands twilight one of these days? I can give you plenty of advice about how you’ll never know shit just like the rest of us Gerbs haha.
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Westopher is correct.
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Well.. I’d hate to be the first to say it, but Westopher is correct.
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Old 09-02-2022, 06:33 PM   #23384
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Old 09-02-2022, 07:04 PM   #23385
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Now that I spend some of my day involved in financial planning for clients, I actually spend more money now and save less.

You absolutely don't want to run out of money in retirement - it sucks. However, once you have some certainty you have enough for retirement, then stop feeling so bad about spending today instead of investing for tomorrow. Again... don't run out of money in retirement. But when you know you've got it, then stop beating yourself up about enjoying a bit of your life in moderation.

My wife and I don't have kids, so frankly if there was a way for us to die with a net worth of exactly 0, that's a win. But in absence of that, I know that with good planning, I can afford to live a little more now and still hit our goals.

The key is the plan. If you don't know what you need to have, then you'll never know if you're ahead or behind.

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Old 09-02-2022, 07:15 PM   #23386
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^ what's average cost of medical bills near the end of a person's life? 6 months before death? 1 year? 5 years?
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Old 09-02-2022, 07:31 PM   #23387
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Buy a Porsche, buy a Type R, buy a M3, whatever. If you can afford it then go for it. You don't want to regret when you are in your 40's and you can only buy a Corolla EV.

I made my M3 work a few years ago. I'm stressing over my house right now because I priced in rate hikes, I didn't price in a 3% hike in 1 year, I'm still making it work.

I'm going to put a deposit down on a 911 next year. It's a 3 year wait. I'll worry about it when and if I get the allocation.
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Old 09-02-2022, 10:00 PM   #23388
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at least they're not ferrari cock suckers.



"Don't own the latest model?....No sorry, you cant order this"



so many self made milllionaire's refuse to buy that shit because of their snobby attitude
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Old 09-02-2022, 10:07 PM   #23389
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^yes this. F car ownership sucks.
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Old 09-02-2022, 11:10 PM   #23390
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How long you live is one thing. How healthy / miserable you are while living to that ripe old age is quite entirely another.

Some time after the big Four-Zero passed, I started noticing from the people around me that having some sort of long term health issue is no longer an anomaly. In fact, it is kind of rare for someone to not have any health issues once middle age hits. Some of these issues could be minor or manageable. Others start eating into your ability to do stuff. Still others severely handicap you or your lifestyle.

And then COVID hit and the world turned upside down.

If you have the means, live a little and have some fun. Yes, it is still important to chase after having a roof over your head (in whatever form that may take), you still want to do your retirement planning and actually act on it. You want to be able to build that rainy day fund in case something happens. But don't forget to live a little and have some fun.

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I never really put too much weight in the argument that you could die tomorrow. Statistically speaking, you won't die tomorrow.

According to Business Insider (1st google search I found)
Business Insider Link

91% of men make it to age 60
97% of women make it to age 60

Odds are, you'll make it to age 60.
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Old 09-03-2022, 06:30 AM   #23391
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My sister in law had a brain tumour in her 30s and my brother in law's fiance is currently recovering from breast cancer (she's also in her 30s).

Bad luck on my wife's side of the family? Maybe, but these serve as a reminders for me personally to have a bit of fun when you can because life can be "nasty, brutish, and short."

But in the end, Gerbs, you need to ask yourself if you're planning to share your life with someone else? Because if you aren't, you have already set yourself up for a very good life for the next several decades. You don't need much more to enjoy life as a single person, even in a place as expensive as the Lower Mainland.. unless you aspire to own a detached house to carry on your own.
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Old 09-03-2022, 07:07 AM   #23392
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Not trying to or meaning to flex but I have the mean's do a few "fun" things after the sale of my place if I really wanted. However, chronic pain (fibromyalgia) issues often prevent me from sitting or standing for more than 30mins without begging for a bullet in the head... which means road trips or a flight to some ideal destination are out of the question. I've worked hard hustling for and saving every dime and extremely grateful to be in a good financial spot at 39, but some days it really means fuck all when I can barely move.

I drove a 96 accord for 17yrs and haven't been on an airplane since 1993. Always told myself i'd buy that one car I always wanted (nsx, s2k, or dc2 ITR) when i had the means but anytime I think about a different car these days, its usually something that GS8 posts in the CL thread like an old buick with cush seats
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Old 09-03-2022, 07:20 AM   #23393
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Totally off topic i know, but i watched this and totally agree that this chemical farming crap is whats causing us to have all these diseases

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Old 09-03-2022, 07:32 AM   #23394
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Some time after the big Four-Zero passed, I started noticing from the people around me that having some sort of long term health issue is no longer an anomaly. In fact, it is kind of rare for someone to not have any health issues once middle age hits. Some of these issues could be minor or manageable. Others start eating into your ability to do stuff. Still others severely handicap you or your lifestyle.



And then COVID hit and the world turned upside down.
I'm in Gerbs age range, myself included, there's a few people in just my own friend group that also have severe stomach lining issues / gallbladder issues / etc. It can't be a coincidence that we all have this kind of pain and long term health issue. Kind of crazy how you start seeing this in the 20s. So much for invincibility lol



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Old 09-03-2022, 07:55 AM   #23395
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thats why im pretty sure YOLO philosophy is the way to go in this modern world. statistically we are going to live past 60, but that's only because a lot of us will be propped up by advance medical science. what sort of actual "living" we'll be doing is another matter.
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Old 09-03-2022, 08:31 AM   #23396
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Not trying to or meaning to flex but I have the mean's do a few "fun" things after the sale of my place if I really wanted. However, chronic pain (fibromyalgia) issues often prevent me from sitting or standing for more than 30mins without begging for a bullet in the head... which means road trips or a flight to some ideal destination are out of the question. I've worked hard hustling for and saving every dime and extremely grateful to be in a good financial spot at 39, but some days it really means fuck all when I can barely move.

I drove a 96 accord for 17yrs and haven't been on an airplane since 1993. Always told myself i'd buy that one car I always wanted (nsx, s2k, or dc2 ITR) when i had the means but anytime I think about a different car these days, its usually something that GS8 posts in the CL thread like an old buick with cush seats
Gotta go ball out on some stem cells in Panama. A family friend had terrible chronic pain, I don’t think it was fibromyalgia but he had basically unlimited means and tried everything, Humera, etc. basically non stop aches and pain all over he tried everything went to every specialist etc.

Guy went down to Panama and got stem cell treatment for 25k or so. Changed his life, he’s basically back to normal
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Old 09-03-2022, 08:38 AM   #23397
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91% sounds good for most things, but for survival that doesn't sound amazing. The little banner at the bottom says there's 39 people currently viewing this thread. You've got to include those that have already passed in the 9% but that still means probably 1-2 of us won't see 60.
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Old 09-03-2022, 10:29 AM   #23398
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Badhobz I agree that food chemicals are causing lots of health issues, but a lot to consider about lots of these late stage diseases are because modern medicine has allowed life expectancy to increase so much. People didn’t get these diseases long ago because they simply didn’t get that far in life.
I’m not a doctor, but it’s a theory that lines up with what we see.
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Old 09-03-2022, 10:56 AM   #23399
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91% sounds good for most things, but for survival that doesn't sound amazing. The little banner at the bottom says there's 39 people currently viewing this thread. You've got to include those that have already passed in the 9% but that still means probably 1-2 of us won't see 60.
Don't know about the rest of people on here, but I'm perfectly fine living an extreme life and not making it past 60

Vs someone who lives a vanilla life and makes it to 90
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Old 09-03-2022, 11:24 AM   #23400
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If you're a child free household, there's a strong argument to be made that there is little point to living a life of delayed gratification if there's no one to look after or share memories with in old age.

Segue to this: https://twitter.com/YVRHousing/statu...PSolxkWeg&s=19

Fewer babies in the Lower Mainland means that demand for condos will remain steady in the long term as people do not form households, or keep them to 2 individuals only.
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