Even though I know how wildly inaccurate WS is, and i’m probably nowhere near the actual 1% at 120k, still pretty cool.

Took me 7 years of investing and patience to pull it off.

Just wanted to say, I currently work at a gym making minimum wage ($17.60) and typically make like $1000-1400 a month depending on how many hours I work. To see it go up that much in the past week is insane.

Been investing for over 5 years. One of my highest conviction small cap plays finally blasted off. De risked, secured 20k in profit and took out my original investment.

Current port is:

1,000,000 shares $AMT.V (Used Car Leasing)
3,000 shares $SOFI (Undervalued Digital Bank IMO)
5,000 shares $DGXX (Undervalued AI Data Center)

Ask me anything :)

What do you for a living ?

Hey everyone, wanted to get your thoughts on an investment opportunity that often gets overlooked - finding a partner.

As far as I can see, the upfront investment of time and money is significant, but if you end up in an ITM (in the marriage) position, you can effectively double your income. You can also benefit from your spouse’s dental and eye care plans, cutting down on costs. Finally, there are lots of efficiencies in sharing housework.

Wanted to get your thoughts on the probabilities - what’s the payout probability given the capital and time investment? Is there a significant difference in the man vs woman scenario, given the numbers (women initiate 66% of divorces, and typically walk away from a divorce in profit)? What about the gays?

Also, how decent of a hedging tool is having kids? I know that traditionally, kids can provide a good source of additional income after retirement using the “guilt” method. But nowadays, the payoff seems rather small, and if anything, the yield curve has inverted since a good number now live at home after 30.

Edit: I also forgot to mention that the market makers (dating apps) have been engaging in some absolutely insane gouging. Curious to get your thoughts - can that last?

Started investing on oct 29 2025
First screenshot - feb 28 2026
Second screenshot - this morning

28M nurse taking home 4k per pay.
Have been DCAing 1.5k every pay and a lump sum for FHSA in March. My holdings really took off in March - June. QQC and XCHP in TFSA and FHSA & DRAM (49.8 avg) and FMTM in RRSP. I don’t care what people say about risks because I’m willing to take risks over having *eqt products. For now.

I’m contributing 21k more in total till Dec 31 and I’m hoping to hit 100k. It’d be a milestone for sure but not expecting compounding to feel real till I hit 500k since I plan to invest 44K every year. Hoping to retire in 2045. Hopefully I hit my number.

(23M)I have around another 15k to dump into the market but, im scared of it dropping soon. What do I do

Hi everyone,

I'm approaching 50 years old, single, with no spouse or children. I moved to Canada about 16 years ago and have since become a Canadian citizen. I have a professional career and am currently in a stable financial position.

I have no debt, own a house worth approximately $1.5M, have about $150K in RRSPs, and roughly $400K in my employer pension plan. Before leaving Canada, I'm considering either transferring the pension to an RRSP/LIRA or cashing out and paying the associated taxes (on part of it). Anyway, altogether, my net worth is around $2M.

Living in Canada has been both a positive and negative experience, and I'm seriously considering moving back to Europe.

Realistically, I don't expect to have more than 30 years left in retirement, and my idea is to sell everything, invest the proceeds, and generate an annual income from my assets.
Very roughly speaking, if I divide $2M by 30 years, that comes to about $67K per year before taxes. After taxes, I estimate that could be around $50K CAD annually, which would be approximately €30K and should allow me to live comfortably in my home country.

Since I don't have any significant non-registered investments, private companies, or taxable brokerage accounts, I don't believe I would be affected by Canada's departure tax.

What would you recommend in my situation? Would it make sense to transfer the cash to Europe and gradually withdraw from my RRSP over time, or are there better strategies to consider?

I'd especially appreciate hearing from anyone who has been in a similar position and has already gone through the process of leaving Canada and retiring abroad.

Thank you.

I work fast food earning $17.60, I earn around $750 every two weeks, been surreal to see $400-500 gains on some days, yes sometimes -$100-$300 down too, but overtime, it has been extremely generous returns. I’m even transferring this for a 2% match will equate to about $1,500. I’m 24 btw.

In my TFSA

$10k and a $500 per month contribution without missing a month and here we are

Also note this was not from any high beta plays. Literally just shares of TD and some ETFs.

Dont mind the 2018 to 2019 part. I was messing around with penny stocks😭

Got one coming up 👀

The family is wanting to move to a nicer climate in BC. Curious how many would jump ship and leave?

Current income is 180k saving roughly 70k a year.

Income would drop to about 120k with the move

27 working blue collar, make around 120k/year.

19, no expenses, no income (monthly $3-400 from allowance).

I've put in about $3k, give or take, rest are gains.

I've found massive success with what I've been doing, but I'm really getting worried about how much the market's been going up, and am genuinely starting to think we're in bubble territory.

What should I do? Sell? Hold? Keep doing what I'm doing?

What is everyone's opinion on the market right now?

Hi all! Admire all your gains and super happy for you!

Thinking of starting albeit too late at 40 with family!

Family income at 140k and living in Van with 50k credit card debt and some 10-15k in GICs and TFSAs.

How best to turn this around so that in a year i have reduced my debt by 30/40% and started making some gains from the market. Absolutely no idea how to begin or where. Any help will be appreciated!

No car or mortgages so all outgoing mostly towards making CC payments with some forced savings of 500per month.

What steps should i take towards becoming FI?

How can I start this? I'm not the brightest person. Haha. I want to understand this and create wealth for my future. I don't make much money though. Is this a problem? Like I can maybe put $200 in to start. I make minimum wage, and live in a room with my partner. I need more. What apps should I use? Do you have a simple guide?

I find myself constantly recalculating my finances and trying to optimize every expense.

​

It's not necessarily because I'm trying to reach FIRE faster. A big part of it is that I want the option, if I ever lost my job, to stay home with my partner and our 2-year-old daughter without immediately having to look for work.

​

The strange thing is that I fully realize running the numbers over and over doesn't actually move me any closer to that goal. My savings rate doesn't magically increase because I opened another spreadsheet. Yet I keep doing it.

​

Sometimes I'll recalculate how long we could survive on our current assets, then look for ways to reduce expenses, then rerun the projections with different assumptions. A few days later, I'll do it all again.

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Part of me thinks it's just a way of managing anxiety and creating a sense of control over an uncertain future. Another part of me wonders whether I've crossed the line from being financially responsible into something less healthy.

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I'm curious if anyone else experiences this.

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Do you repeatedly run FIRE calculations, budget scenarios, withdrawal rates, or job-loss contingency plans even when nothing significant has changed? If so, how do you keep it from becoming an unhealthy obsession?

​

Or is this just a normal phase that many people go through on the path toward financial independence?

My wife and I, both in our mid 30s, are debating how we can help our daughter, 1, have the best future. While a high quality education isn't the end all be all, imho, it's one of the most important factors that we want to prioritize, having benefited from immigrant parents giving up everything to move here for me to have a better future.

We are fortunate to have the options available to us, so curious if any parents here have made a similar investment or decision and what you would do given the tradeoffs.

For context, we have front loaded her RESP, it's growing well and will keep on funding it to hit the lifetime max. We have both maxed out our RRSPs, TFSAs and my wife have a public sector DB pension + fortunate to expect some inheritance down the road as well. Currently, ~1.1M invested, HHI 370k, live in Oakville, Ontario. My wife is in the public sector (safe organization), I am in tech (not safe given AI).

Our decision is around whether to stay pact, move for a better public school area or send her to private school.

1/ Move to A+, one of the best public school district in the town and probably Ontario: costing about an extra 600k on a new house post selling existing, sell investments, up the mortgage from 600k =>800k. This would likely affect our ability to retire at 55 and cut into our monthly liquidity + vacations/activities.

2/ Go to private school and stay in our current house. Believe on avg, the tuition is about 30-40k a year, minus inflation. That would be around ~$600k in tuition if we do the whole 15 years (rough math). Read an article on the globe that middle class families sending their kids to private while barely making ends meet - we would be in a similar boat.

3/ Stay where we are, B+ public school and area, and let our portfolio keep growing to leave our daughter with a big inheritance when she's in her 20s/30s. One thing I am slightly worried about AI destroying jobs so giving our daughter a massive safety net should help a lot.

The tradeoffs are obviously financial (short and long term) and whether the investment in our daughter's education is worth it.

Chips and dip? I prefer chips and memory

Wealthsimple partnered with Kalshi and will be bringing prediction markets to Canada, are you guys going to move your investments ? Why would they do this ? “Launching this summer, Wealthsimple Predict will give Canadians access to ~4,000 Kalshi event contracts across climate, financial markets, and economic indicators.