Legendaley @Legendaley

Husband. Accountant. Creator. Everything I write is part thought-organization, part self-hypnosis 📩 [email protected] twitch.tv/legendaley Vancouver, British Columbia Joined January 2019

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Legendaley @Legendaley

5 days ago

Despite being in the best position of your life, you will not be able to deny the overwhelming sense of having more to lose. To overcome, see the foundation in which you stand upon.

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Cassandra Unchained @michaeljburry

2 weeks ago

Staying married, a happy household, evidence of the parents working hard, childhood sports and watch all competitions, lots of hugs, reward merit, punish only egregious misbehavior, don't yell, restrict social media, monitor messages through 8th grade, the real expectation is college and academic excellence without pressure from parents, get children reading books early, no pacifiers, respond to needs not wants, babies sleep on their own through the night by 6 months, identify develop and support any talent or aptiude, one sport after age 10 is ok, communicate openly and easily with kids through grade 12, allow mistakes, and leave them alone in college. And then hope.

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Legendaley @Legendaley

2 weeks ago

A big difference I’m noticing in my 30s as opposed to my 20s is how much more I’m valuing privacy. And this is a bit of a challenging scenario for me because I’ve spent a good portion of my 20s building a public brand on sharing the journey and being vulnerable online. But now that I’m desiring more privacy, the question is how do I find the right balance between attaining greater privacy without undermining my brand that grew on sharing more online?

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Legendaley @Legendaley

2 weeks ago

I want to be strong enough, calm enough, and organized enough to carry real life well: • marriage • family • work • future stability

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Legendaley @Legendaley

2 weeks ago

@JubeanArt IS 😍

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Legendaley @Legendaley

2 weeks ago

@saiyar @ramit This is the answer.

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Legendaley @Legendaley

2 weeks ago

❤️

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Legendaley @Legendaley

3 weeks ago

@LegacyPathCA It's funny because this is the proper comparison people should be making nowadays instead of A vs. B without the investing part.

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Legendaley @Legendaley

4 weeks ago

When you no longer optimize for pure personal freedom, it makes sense again to find some structure and stability; it will lead you to a future beyond just yourself.

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Legendaley @Legendaley

a month ago

Too many. Adventure Quest, Trickster Online, Robot Rage, Combat Arms Quarantine Regen, Maplestory, Runescape Classic.

Ramin Nasibov @RaminNasibov

a month ago

Anyone who used a computer between 1985-2010. What’s the one game you still think about?

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Legendaley @Legendaley

a month ago

@BoomerDivvies I find increasing the DCA with the lump sum is more peaceful for the mind.

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Legendaley @Legendaley

a month ago

It’s the saturation in general for me. It really just feels like I’ve seen every story. The skinny to jacked, the came from nothing to the new car and house, the introvert to extrovert, the quitting job and making it online. Not that I’m discrediting them but it’s all just recycled stories. Very difficult now to see something genuine. I feel like in order to be such a creator, they must first not have any point of reference of what already works. But very rarely does any creator become one without first being a consumer.

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Legendaley @Legendaley

a month ago

I don't know what changed but social media content doesn't inspire me the way it did in previous years. Likely a signal of change within myself, or maybe other people feel it too. Not sure.

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Legendaley @Legendaley

a month ago

The part you're missing is that when you're in your 30s/40s/50s making money in higher tax brackets (>$250K income annually is ~50% effective tax rate), the tax you're saving from the contributions will be greater than the tax you pay at retirement because in retirement you'll likely NOT be making as much money as your younger self, hence, lower tax brakets. Therefore, high income earners actually benefit from RRSP the most. At 18, I wouldn't worry about RRSPs yet unless your income is already in the higher tax brackets.

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Legendaley @Legendaley

a month ago

It was introduced to incentivize Canadians to save for retirement. The reduction in your taxable income is the main advantage, however, the tax is just deferred until retirement. Any withdrawals becomes taxable then. Some would argue that your money loses flexibility in an RRSP which is why its left for last compared to the TFSA and FHSA.

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Legendaley @Legendaley

a month ago

Nice, my highest credit score to date. Don’t even know if 900 is possible but only time will tell.

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Legendaley @Legendaley

a month ago

@SCHDaccumulator Rent and invest aggressively until your income (and savings) grows enough to be able to cover a down payment, mortgage, and still invest.

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Legendaley @Legendaley

a month ago

Yes, you can both combine your FHSA as a down payment for a house. In fact, if you both have had it open for five years, that’s a total of $80K contribution room that can reduce your household taxable income and all gains within it tax free. The catch is that you only get $8K contribution room per year (up to 5 years) so it’s ideal to open it sooner rather than later. Most people/couples look into it at the same time they start looking for a house which is a big mistake.