Recent content by BlueNote

We'll consider buying a home when it makes sense but right now we're investing the money saved in food, water and ammo. I am thinking of buying a plot in northern Alberta and raising my kids to live off the land and thrive in the harsh Canadian winters. Just kidding :). I have no idea where I...

I know that's an option for some people, however I have no known genetic relatives from my side or my wife side who have anything approaching the athletic talent needed to get a scholarship. Probably a super long shot but hey I'll take it if it comes.

I actually took a similar path. I started at the local "community college" and got a diploma in computer programming. I used that to get 1 year worth of science credits and transferred into a Comp Sci major at the local University. I also got a partial scholarship based on my grades. I switched...

The housing inflation in Toronto has essentially priced me out of all but the crummiest tiny little rat hole of a house. It's pretty crazy but essentially the result of sustained super low interest rates and rampant speculation (house prices always go up, greatest investment ever mentality)...

In Canada, generally speaking, University is heavily subsidized by the government. However different provinces have different levels of subsidization. When I was in Uni (8 years ago in Ontario) the university expenses were 2/3 tax payer subsidized. My tuition was far less then it would've been...

Thanks for the tips! I have seen a lot of people, through the magic of the Internet, do a very early retirement with the help of low COL country. The common countries that come up most often seem to be Mexico, Argentina, Chile, Uruguay, and Thailand. So Spanish would be very useful in most of...

Hi DrRoy, I use the 3-4 % withdrawal rate as a rule of thumb. In reality my withdrawal rate will likely be variable. I am thinking there will be an absolute minimum withdrawal rate, lets say a real 2% rate, along with a variable portion depending on how well my portfolio is doing. Also with...

I don't think it's odd at all for us to track our incomes separately, we've been doing it for 13 years. Our expenses are almost the same so as a family unit we'd need roughly double the assets to support double the expenses.

Technically it's our money but we track our savings separately because that's our preference. Some couples like to pool everything and track everything as one entity/unit but our preference is to track it individually. However we do also look at the total net worth and total family income...

Hi Pbkmaine, we are working toward goals together, I thought I was clear on that in the original post but I'm sorry if I was not.

thanks. Those are my numbers, my wife's are similar.

Hi There, I am a 36 year old Canadian husband who wants to retire within 10 years. I have been working towards early retirement by putting about half my take home pay towards my networth. I’ve been doing this since 2013. In 2013 I paid off my student loans and achieved a $0 networth...