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Welp, what can I tell you. I'm laying it out clear as a financial planner would. You might need to put less money away for retirement, you might need to take cheaper vacations, you maybe should have bought a cheaper home. Sometimes you can't just get everything you want and say the reason you don't have extra is because of other circumstances. Do I believe you deserve a nice home and a nice car and vacations for that wage? Absolutely. But to say your struggling is honestly a joke. At that point, figure it out. |
two kids are excessive trololololol shanghainese wife is excessive too. if you stuck with a Guangdong wife, you would be rolling in cash |
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Is it sometime stressful? Yeah. But we are also trying to make our money work to the max. RRSP matching, it's free money. Stock buying program, it's free money. It reduces our monthly cash flow but it increases it later on. We don't carry credit card debt, we don't owe money on our cars. We only have a mortgage. I'd say we are doing a lot better than most ppl despite paycheque to paycheque. Quote:
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Paycheque to paycheque = struggling It's like saying "I have no money" and then saying "no all that money doesn't count" You're either bitching about nothing, or you are bad with money. Pick one, but it's not neither. |
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you stupid guangdong bastard! on a more serious note. Im sure evo is exaggerating a bit when he says hes living pay cheque to pay cheque. like most smart Asians, he's probably got a nest egg or an emergency cord to bail him out in case all hell breaks loose. Im sure both sides of their parents can support them a bit, and im sure, like most young Asian guys, hes spending on stupid shit for lawls. Its okay, you gotta live. Whats the point of having all the money if you arent spending it to make you happy. I salute you my brother! you got your shit straight. you make good money, youre raising (in all likelihood, considering you are their dad) great kids. Im not worried about you at all. Im more worried about yray dying from all those toxic fumes in his range rover. |
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Mutiny is coming Some Liberal MPs are mounting a new effort to oust Justin Trudeau https://www.cbc.ca/news/politics/ous...ment-1.7350967 Some MPs are being asked to sign their names to what amounts to a pledge to stand together in calling for Trudeau to resign, multiple sources said. These sources said at least 20 MPs have signed the document so far, with others voicing their support for the cause. One MP who signed the document told CBC News the number of MP signatures has spilled onto a second page. |
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"If you hate canada so much go back to whatever shithole you are from" "I hate canada" - The same person |
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I'm from HK, no way in hell would I be able to live in such a big house and own two BMWs if my parents stayed there, so I'm thankful for that. EDIT: to be honest, it was more of a, Canada isn't so bad, we are paycheque to paycheque based on the data, and we live a pretty good life. |
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Two people dining out at a reasonable restaurant like The Keg, I can get it down to about $66 before tax and tips by ordering a 18oz prime rib and requesting it to split the portion in half, and sharing a billy miner cake McDonald's dine in, you can get a Mcdouble Combo for $5.79, and keep refilling the small drink (depends if the McDonald's is equipped with the self serve pop dispenser):lawl: , want to get slightly adventurous? Add an extra beef patty for about $1.15 Ramen you can do Kintaro, get the BBQ Pork Ramen (4 different flavors to choose from) starting at $17.75, comes with a generous amount of sliced pork, at least 5 big slices. Pho Noodles, you can get it for $10 bucks between the hours of 2pm to 6pm at Chao Mami in Burnaby. Chinese take out, yes that's getting pricey whether it's Yaohan or Kent's Kitchen EDIT: Back to the McDonald's part, I mentioned in the McDonald's thread where you can get a grilled chicken sandwich combo with medium fries and medium drink for $7.29 at Metrotown, Brentwood, and Burnaby Hastings |
Yah but I’m too fat to split one steak. Fuck that shit. All mine damnit ! If I’m eating out, I’m eating out. Money be damned. I’m just saying the same garbage I was eating before was like 1/2 the cost pre pandemic. |
Go to the keg and split a fucking steak? :lol Yea, I can spend $3 at McDonald’s if I only get an ice cream cone. Get real. |
Of all the things to go to a restaurant, don't get a steak and baked potato lol. Literally 4 minutes of work at home and $18 will get you beyond keg quality food. |
My parents told me last night they voted for the BC Cons - it wasn't entirely surprising because my dad buys into grievance politics and gets conned by every lie Conservatives tell about society but it also made me sad that they'd actively ignore how despicable the BC Cons are. The BC Cons will actively make their lives worse and they don't get it. It'd be one thing for them to say they're voting for BC United (before they melted down) but voting for a party that denies climate change, harbours racists of every type, are anti-vax, and treat gov't solely as the problem is crazy. |
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I hired one this past summer (cost me $6k) and the advice and plan was worth far more than the cost - it was a big investment of my own time and my wife was skeptical at first but it was the best use of $6k I've had in years. Sources: https://www.springfinancial.ca/blog/...da-by-province https://en.wikipedia.org/wiki/List_o...usehold_income |
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Search perfect prime rib on YouTube it’s where you cook a room temp roast for 5 minutes times the pounds of the roast at 500 deg, then shut the oven off and let the residual heat cook for 2 hours Every time I’ve made it it’s been perfect |
When you have more than 1 kid, it changes things. Everyone dumping on this convo either has no kids or only 1 kid. 270K is not living large these days if you have a detached house, multiple vehicles, and multiple kids with child care costs. It's comfortable, but it's not like you're eating dinners out all of the time or taking vacations with airplanes multiple times of the year. |
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What you’re saying though even that’s a pretty big stretch and clearly you’re not living within your means even with 2 kids if you’re making 270k a year. You’re living a lifestyle that isn’t aligning with reality. And again, underlines the shitty unaffordability situation in Vancouver/Canada. As per the above post, you’re in the top 2% of earners in Canada and you can’t take a fucking vacation? This whole discussion underlined exactly what I’ve been talking about. The median income in Canada is $68,000 Rent for a 1br is $2900 x 12 =$34,800.00 Half your earnings going to living expenses before anything else. And you don’t think people in Canada are living miserable fucking lives? Lol |
We're nowhere close to 270K, but I can see the point about "paycheque to paycheque" at that level when you have these other costs, like housing costs. |
So to EvoFires point, even though he’s carrying a big mortgage, he actually sounds like he had “good” timing in terms of purchasing a detached and the price point at that time How can anyone do that now? Lol EvoFire could you afford your home at current prices? |
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