I had a goal to hit $500K by the end of this year. I decided to do windows instead, so it will have to be a next year goal

https://gazette.gc.ca/rp-pr/p1/2026/2026-06-27/html/reg2-eng.html

Been noticing how much some early retirement plans depend on having a little extra income after quitting full time work.

Say someone has $900k invested and expects to spend $40k a year. At a 3.5% withdrawal rate, the portfolio supports an initial withdrawal of around $31.5k. That leaves an $8.5k gap.

Making that through predictable part time work is one thing. Counting occasional profits from something like moon, where payouts depend on leveraged price wagers, is a completely different story.

A few profitable months can make the numbers look better than they actually are. I'd rather calculate FIRE assuming speculative income is zero and treat anything extra as a bonus.

Retiring early is already a big enough decision without depending on lucky market calls.

Wanted to get people’s thoughts:

305k rrsp
30k. LIRa
~15k tfsa
RE Condo ~$110k
RE Condo2 ~$140k
PR House ~ $20k

The rental condos were bought as I lived in them earlier and then moved and didn’t want to sell. They are a cashflow drain at the moment and probably not the best time to sell either (in GTA)

Primary residence was bought with wife who put in the DP and we split the mortgage payments.

My gross is ~170k

Excluding wifes info coz she has her own portfolio and DB in the future.

Wondering what I could be doing differently to retire in the next 10yrs (my health has been a concern in the last year).

TIA for your input

Also, what are people’s plans for retirement besides travel and spending time with family?

Earlier this year around March I got into investing and instead of going for the smart choice that everyone says and investing in an ETF, I decided to try my hand at picking an individual stock. Ended up reading about this company called Hydrograph Clean Power which had been having a huge run the past year and especially the past month. There was a spike to $11 back in march and for most of the time since then it’s been steady around $6

I’ve been putting all of my paycheques into it and getting my average cost down to $5.50 where it is now. but now in the past 2 months it’s had a huge drop down into the mid $2 range. Now I realize that I had plenty of warning and there’s plenty of advice against trying to pick a stock. I don’t know why I thought I was smart enough to beat the system lol. know it’s really not a huge amount of money but this is over half a year of work for me and looking at the graph makes me wanna cry.

I only make $2200 a month and rent is $1400… I hate my job and if I had $10k saved right now, like I should, I would take a bit of a break while searching for other work.. but I can’t afford to do that. I’m keeping my shares but not going to invest any more into HG. gonna start going into XEQT like I should have originally.

Have $10,000 to invest. I have already put $7,500 into XEQT but would like to invest the remaining amount into Bitcoin. I have my TFSA under Wealthsimple, but honestly have no clue if Wealthsimple is good for purchasing / selling bitcoin.

Looking for some solid advice on how to get into crypto / bitcoin specifically?

I am an extroverted person who has selling experience from buying and selling cars and motorcycles. My first job was door to door selling of Toronto Star newspaper subscriptions back in the 2000s. I have thick skin. Could someone point me in a direction? Much appreciated.

40M and 40F, DINKs, both nurses in BC. Combined salary 220k pre-tax. We hit Coast a few years ago but kept working full time (no debt, 900k portfolio, 60k annual spend).

We realized we had leftover money each month but nothing we want to spend on, so I'm buying back time by going down to part time 3 days/week starting next year. My schedule is such that I work full-time for a few weeks, and then I get a few shifts sprinkled in for the next few weeks.

We're doing vacation bidding for next year and I have 170 hrs to use. Due to my uneven schedule, I managed to get the entire Sept off and I still have 120 hrs left to allocate. If I'm smart with my vacation planning, I can get another 2-3 months off. The plan is to travel and to do nursing-related volunteering internationally.

Next step is for my wife to find a suitable part-time role she likes. We'll ride these part time roles until age 55 and then fully retire with a pension.

23m graduated and entering job field. Expected annual ~100k. Wondering what to do about MP,ENB, USAR aka do I just take the L and move on? Or should I try and wait out for a potential bounce back. Nonetheless, how should I structure my stocks for TFSA/RRSP/FHSA. TIA

I have 20k in a RRSP account that I am ready to invest. What should I buy and why?

I'm not sure how I'm supposed to be investing I just grabbed an automated portfolio and threw a mix of stuff I think is gonna go up and stuff I have an interest in like medical science and tech

Truth be told I'm kinda just flinging shit at a wall and seeing what sticks

Alright here. 26M, opening my TFSA for the first time, (late, I know.)

I've got $1,000 dropped into a wealthsimple account. To my understanding, I need to go with an ETF through a TFSA account. Does this check out?

Anybody with solid advice where to learn some more info, and potentially steer me in the right direction?

I want to keep it invested though, it could become an emergency fund if desperately needed. The intention is for it to stay untouched, though based on research this was the best option in the event it was needed.

Does this logic all seem sound?

Thanks.

I don't have benefits at work. I contribute to my TSFA. However, I have just learned about disability protection insurance. So I have applied for the RBC disability insurance protection scheme. I believe a medical assessment is necessary. Does anyone have advice or tips? I normally freeze up when it comes to medical related questions and I tend to stumble. Thank you.

Hi everyone,

I currently have most of my investments in a Wealthsimple Managed Portfolio, but I'm wondering if I should continue with it or switch to a self-directed account and invest in ETFs like XEQT myself.

For those with experience, is the managed portfolio worth the management fees, or would I be better off buying ETFs myself for long-term investing?

What would you recommend, and why?

Thanks!

Before you comment yes I will be moving the majority of the $4,000 to my TFSA account. Will mostly invest in VEQT and XEQT. Made a wealth simple account solely for investing purposes and will not touch the money for atleast 10 years.

Do you think it’s good idea to borrow the 3000$ zero interest to buy XEQT then sell after 3 months? Thanks

Hi, I’m a 20M in 3rd year with a small part time job, and I am just getting into investing this year. I pay my tuition and car insurance/gas myself but live at home, still most of my money is gone after expenses. My portfolio is just things I’ve heard from friends (don’t make fun of RHEL pls 😭) and stuff online. What should I do? Do I need a rebalance? I don’t plan on touching my tfsa really ever, definitely after med or grad school. At ~$1,650 total

I'm 42F, single, no kids, living in Canada. I'm getting increasingly tired of my corporate job and would like to transition to Coast FIRE soon, ideally into something less stressful that I enjoy more.

Here's my situation:

Investments: Approximately $740k total, mostly invested in XEC, XIC, VOO, XIU and XEF.

Registered accounts: RRSP, TFSA and FHSA are maxed out.

Non-registered investments: About $25k.

Housing: Renting an apartment; no house, mortgage or other real estate.

Other assets/debts: No car, no significant other assets, and no debt.

Family situation: Single, no children, and not expecting any significant inheritance.

Current expenses: Approximately $3,500/month ($42k/year), including rent.

My goal isn't necessarily to retire completely right now. I'd like to leave my current job and find something less stressful, potentially lower-paying, without having to keep maximizing my investments every year. Ideally, I'd let my existing portfolio grow over time while earning enough to cover most or all of my living expenses.

Does Coast FIRE seem realistic for me at this point, at age 42 with $740k invested?

Thanks!

EDIT: Ideally, I'd like to fully retire by 50, but I'm willing to work until 55 if necessary.

Just seeking advice from potentially other people who made it i currently take home around 36k after taxes working labour in a factory i live at home and dont pay rent and am now currently setting 500 aside every week for savings and never dive into my savings for any reason

Anyways all that to say i dont really know what should be my next move ive just been in a loop of working then gaming on repeat i want to start earning more but dont really know where to start im not attached to my job at all but also feels dreadful thinking of leaving to go to school or find a new job that im not really interested in or might be bad at and end up losing money ive been saving

Hi everyone,

I'm 39F and fortunate to have a well-paying job ($300K/year plus significant company stock). I can save around $8K per month, including $2K that goes automatically into my pension.

I currently have about $650K invested, primarily in broad-market ETFs. My husband has around $500K invested as well and plans to continue working until age 65.

My TFSA and RRSP are maxed out, so my additional investments go into a non-registered account with Questrade. A lot of my income over the past few years has gone toward our home down payment and other expenses, so I'm now focused on building my investments.

I'm hoping to retire early, ideally within the next 5 years, and I'm debating between two options for the remaining $6K I save each month:

Option 1: Invest the full $6K/month into broad-market ETFs in my non-registered account.

Option 2: Put an extra $2,500/month toward our mortgage using RBC's double-up payment option to pay down the debt faster, and invest the remaining $3,500/month.

Our mortgage balance is approximately $380K, with a fixed interest rate of 3.9%.

I know investing could potentially generate higher returns over the long term, but paying down our mortgage would reduce our expenses in retirement and give me more financial security. On the other hand, I have a relatively short timeline to build a large enough investment portfolio to retire comfortably.

Given that my husband plans to keep working for another couple of decades, how much should that factor into my decision?

For those who have been in a similar situation, would you prioritize investing to maximize portfolio before retirement, or accelerate mortgage payments to reduce our fixed expenses? My husband's income can cover the regular mortgage payments (not double up).

Thanks

The plan:
I’m 19M in last year of college for power engineering. My girlfriend is also in her last year of college at 19 becoming a Sonographer. Together we should be making $200k ($110k me 90k her according to Google entry positions). We want to stay home and live with our parents for about a year and a half or so then move to a new city where we both like. We plan on renting for about a year to save for as big of a down payment as possible then after a year or so buy a house. Average house in that area is about $600k.

The situation:
I have a net worth of about $70k. About $43k is in gold and silver and I’ve got about 6k in my FHSA (only because I found out about tax advantage accounts this year). She’s got roughly $16k between TFSA and FHSA. Shes just got hers set up with the bank’s portfolio managers. On the other hand mine is all self directed.

The question:
Now knowing about these tax advantage accounts, any extra money I make is getting put in there. Right now most of it is in commodity ETFs like ZCOM. With the time horizon given (roughly 3 years), would you make any changes to my account investments or leave it as it is.
P.S. I do not plan on selling any of my physical gold or silver Until i buy the house (or keep it if thats possible)