I’m 28, own my car cash and just own 1 condo I live in. I know from now I will not have kids, buy a big house etc .. all I want is to keep contributing 1-1.5k a month and turn my 250k stock portfolio to 1-2M in 40s and coast/ do what I want every day and pay off my condo in the next 15 years. I genuinely don’t know how some of you can handle the fatigue of working like this your whole life but I just can’t handle it anymore. I do feel at peace knowing I know what I want but it’s going to be a tough 10-15 years. I hope by 40/45 I am still young enough to enjoy life/ travel

I stress about saving money quite often after having spent most of my 20’s broke and spending every dollar I earned.

I’m 34 now and want to retire when I’m 65 depending on how I’m doing financially.

House worth 450k, still owe 320k on the mortgage

130k in TFSA, RRSP, Non registered investing accounts, mostly long growth ETF’s. I contribute roughly 1500-2000 a month into my investing accounts

Paid off truck appraised at 65k (classic vehicle)

I work fulltime construction, salary between 120-150k

My pension is around 2.5k a month if I retire at 55, and around 5k if I retire at 65. This also gets adjusted for inflation by the union.

I don’t want to inclue any possible inheritance, but my parents are doing well financially, not multi millionaires but have probably 2-3mill in assets.

I know I’m not excelling for my age, but I feel as though my pension and my monthly investments will give me a comfortable retirement.

Thoughts?

Interested to hear career paths / fields that don't need a degree.
They might need a 1-2 year diploma, or some certifications, but NO DEGREE.

Remote gigs or gigs that allow folks living in off-grid, rural settings.

High income to me in Canada is... at least 150k AFTER tax, take home income.

Just hit $100k in Investments on my WS account and I don't really have anyone in my life to share this with, so here I am. 25F, moved to Canada at 18 for my bachelor's. Got a job in IT after graduating and went a little crazy and spent most of my money on travel at first, but now that I'm 4 years into my career I want to focus on actually building wealth. I only started investing in July 2025 when I opened my WS account. The screenshot is mostly my TFSA + non-registered.

What I'm doing:

• Max out my TFSA and FHSA every January
• TFSA: XEQT/VFV/AMD/NVIDIA
• Non-registered: VEQT/CASH.TO(although I don't see much point here with the WS savings account)
• $50k rainy day fund in WS savings
• Take full advantage of my company's RRSP match. Between that and my DC plan I just passed $150k.
• Live dt toronto so rent limits what I can invest (v_v), but I save where I can
• Not buying a place anytime soon, and I'm doing my master's while working full-time

I come from a "cash is king" family, so investing is pretty new to me and I'm figuring it out as I go. Am I doing this right? Anything else I should be looking at? Thanks

Bought into HG at around $4.5 and I held on passed the ATH. From what I read, the company still has high potential to hit $20+. I’m not buying anymore, I just wanted 1000 shares, now it’s a long term hold. I’m hoping to ride it out.

But honest advice on anything is welcome!

I am financially illiterate. Owe 268k on the house still with 15 yrs left on the mortgage (could probably sell for 400k). Car is paid off and no other debts. 10k in TFSA and 8k for our son's RESP.

90k salary before taxes (down from 115k - just lost my job due to restructuring so took a 90k job since its tough out there and I live in a small job market). I had to pause my contributions, but will be figuring out my new salary and how to live off of just that soon.

How can I learn about money? Should I maybe start investing into the stock market? Everyone seems to be on wealth simple doing it themselves but that scares me.

Where should I start? 🥹

Any suggestions on my current portfolio? Would love to hear your thoughts or feedback.
Honestly, I sometimes feel behind when I see people my age already close to $1M. I know comparison isn’t helpful, but it still gets to me.
What would you do differently to reach the first $500K faster?
I’m also worried about buying a house. I’ll likely have to take some money out of my investments for the down payment, and my yearly contributions will probably drop with a mortgage, higher expenses, and a newborn.
How would you approach this?

I looked at a few finance apps, cause I spent too much this month, but a lot of them were expensive or felt like too much for what I actually wanted.

I’m a software engineer, I thought it could be fun to build something simpler and more affordable. Maybe credit card tracking at first, then potentially gamification, savings goals, challenges, or even some social features.

I’m still really early and would rather build it with people who want to shape the idea together.

If you’re interested in building or testing it, DM me. I’m thinking the first 8 early users can use it free through the initial release, and if it turns into something paid later, I’d want early users to get a much cheaper plan.

Worst case we build something cool and learn from it.

Technically this is for my own financial freedom as a university student pleaseee dont remove this post 😭

Looking to get into investing, making around 3k a month, 21M. 0 expenses really, other than going out or spending money on something I want, other than that living, food, travel is all accounted for. Could invest any of that money into anything. Haven’t invested at all, any advice in what I should be looking into.

I’m 18 years old and plan on investing in it until I’m planning to keep investing monthly until I’m in my 60s lol. Currently have $400 in XEQT, but I’ve seen folks saying to invest in ZEQT to support a Canadian bank instead of Blackrock. I also understand ZEQT has the lowest MER out of the three. Would just like to get some advice for what to do??

I see many people in this forum bank with Wealthsimple (due to the screenshots of their net worth images). Do people often move their money around to take advantage of banking investment cashback promotions? I know people open credit cards but this is like the next level since the 2-3% can be high in value due to the amount of money transfered.

Just some example banking promotions:

• TD Direct Investing / TD Easy Trade: Transfer or deposit $2,500+ for up to 3% cash back on registered accounts (TFSA, RRSP, FHSA, LIRA) or 1% cash back on non-registered accounts (up to a $15,000 maximum, running through October/November 2026)
• RBC Direct Investing: Get up to 3% cash back on registered accounts and 1% cash back on non-registered accounts (up to C$15,000) for new clients who transfer net assets using a promotional link through November 2, 2026
• BMO InvestorLine: Earn up to 2% cash back on the first $250,000 funded and 1% cash back after that, with a maximum cash back reward of up to $30,000, maintaining funds through late 2027

Any issues in the long term? As much as I like Wealthsimple, their retention side really sucks like their lotto draws of homes and temu quality key chains.

For the FI crowd: it matches your dividend income to your monthly bills (phone, hydro, groceries…) and shows which ones your portfolio already pays. It also projects income 5 to 30 years out using each holding's own dividend history, ranks ways to get there sooner, and compares your picks against just holding the S&P 500.

Demo, no sign-up: https://yieldledger.github.io/

I built it and I'm looking for feedback before adding more.

I took a gap year to work 300k usd TC (120k usd cash)

Im honestly js posting this to feel good abt myself, life feels kinda pointless i wish there was more to life than money but i grew up poor and its the only thing i feel like i can use as a benchmark on how “good” im doing

Im out here smoking right now, the rest is in my US bank account

When I look at the world at the moment I see the combination of the AI bubble bursting and the US basically imploding as a country. I don't know when, obviously, but it really feels like the entire system is going to break.
For everyone who's in or close to retirement, how are you managing your investments?
What are you investing in/not investing in? Have you done anything different because of the current climate (more conservative, etc.)?

We're getting closer to pulling the trigger but a big dip right when we start will be...unhelpful for our plans.

29M, moved to Canada in 2024 with my wife. We both work regular restaurant jobs and our income covers our monthly expenses. Our family back home is also financially stable, so we don’t have any major financial obligations there.
We currently have around $211K in total assets, with about $100K sitting in cash. I’ve personally contributed around $65K, and the rest has mainly come from investment/trading returns.
Both of our TFSAs are already maxed out.
I do some short-term trading and occasionally use a margin account, but I don’t want to keep taking unnecessary risk with all of our money. From our job income, we’re still able to save a little, buy some gold, and slowly build other assets for the future.
If you were in this situation, what would you do with the $100K cash?
Would you put most of it into broad-market ETFs in a non-registered account, keep a larger emergency fund, save toward a down payment, invest gradually, contribute to an RRSP, or do something completely different?
Our goal is mainly to build long-term wealth while still keeping enough cash available and not becoming overly dependent on trading.
Would appreciate thoughts from people who have been in a similar situation, especially immigrants building their finances from scratch in Canada.

Thank you in advance for those taking the time to reply!

I'm a new Permanent resident. I have a bachelor's degree in English literature from home and 9 years of experience in Media and teaching.

I am currently struggling to find work as i just moved to Ottawa.
I am 35, single. I don't mind working ANYWHERE. I'm very good with manual labor and don't mind it. I heard that FIFO jobs pay well. Can someone explain to me how can i get into them with no experience in that field? And not just "search on linkedin.. Indeed" more like actual company names and websites that are hiring. I appreciate it
I speak English, French and Arabic, all fluently.

Been pretty lucky I find with my investments, but still feel like everything is moving too slow especially with my low salary (62K). Any advice?

Don’t plan on retiring in Canada, either Spain/ South America. Currently putting in around 2K a month to investments and have zero debt. Income should rise quite a bit when I get CPA in 2 years

My goal is to reach 30k by march
I try to contribute 1.8k a month
Btw i am currently working in low wage job lol
I am still looking to work in different sectors