u/GreatComposer85

41yo, This is what contributions look like when your Household net pay is 4X -~210k pre tax vs 35k spend - your annual spend and want to FIRE as soon as possible. Goal is 110k by end of year.

Edit

Regarding FIRE, our definition of affording is very strict, we can’t spend more than what the portfolio can sustain with a maximum 4% safe withdrawal rate, even while we are still working and our income permits it. In this example, that caps spending at $3.7k per month. I monitor this every single day to make sure we're on track.

1 year spending QC We both work from home hardly any fuel costs. Our entire finance analysis is automated with AI and Software I built.

Category Breakdown

10 categories • 407 transactions • $31,751.67 total

https://preview.redd.it/4fit5n7931kh1.png?width=670&format=png&auto=webp&s=51a1dba111bee81720c8cdf1e8dff86e8625020b

This looks like a bug to me Numbers are stuck together duplicated

Stage 1 — Financial Independence (FI)
Your portfolio's expected returns cover your ongoing living expenses indefinitely. You never need to touch principal or sell down the portfolio to survive — the market's output alone sustains your current and future spending.

Stage 2 — The Lifetime Refund
Your cumulative investment gains (not the principal you put in, just the profit) now equal or exceed everything you've ever spent across your entire life to date. This stage also includes any money that was spent on you by your parents. It's as if the market has reimbursed you dollar-for-dollar for every expense you've ever incurred — rent, food, everything — purely out of returns.

Stage 3 — Life-Positive (Retroactive Profit)
The gains now exceed even that lifetime refund. If you rewind the clock to birth and net out every dollar spent against every dollar earned in market returns, you come out ahead. It's as though your existence, run as a ledger from day one, was cash-flow positive — the market didn't just cover your life, it profited from having funded it.

https://preview.redd.it/phz97af2bdhh1.png?width=979&format=png&auto=webp&s=2b50b62dd8766fa05beea380226e4eed8df1512a

This is a custom built browser plugin

Edit

20k+ now waaaaa

I'm 40 years old and have been in IT for 20 years, the last 10 as a senior web developer. I'm completely burnt out and want to step away from work for a year, maybe two. We live in Canada, so healthcare is a non-issue here in a couple of ways: core medical care is publicly funded regardless of employment status, and on top of that, I'd be added to my wife's employer insurance for dental, vision, and prescriptions while I'm not working.

On the financial side, we have no mortgage, no kids, spend around $35,000/year, and have $1.1 million in investable assets also her income alone also covers our household expenses roughly twice over. Would you take on the risk of stepping away for a year or two in this situation? I know it might sound like an obvious yes, but I don't want this to unintentionally turn into permanent retirement.

My plan is to try freelancing and explore building something of my own with AI. I just don't have the energy to pursue that while working full-time — honestly, I can barely keep up with my actual job right now, let alone anything extra. The downside here of course is the opportunity cost on giving up a $130,000 salary, and given our very low living expenses almost 80% of the net pay goes to investments which essentially makes the opportunity cost even worse.

Edit

My wife is OK with this, I did also ask my company for a unpaid sabbatical but my company doesn't offer this.

I'm 40 years old and have been in IT for 20 years, the last 10 as a senior web developer. I'm completely burnt out and want to step away from work for a year, maybe two. We live in Canada, so healthcare is a non-issue here in a couple of ways: core medical care is publicly funded regardless of employment status, and on top of that, I'd be added to my wife's employer insurance for dental, vision, and prescriptions while I'm not working.

On the financial side, we have no mortgage, no kids, spend around $35,000/year, and have $1.1 million in investable assets also her income alone also covers our household expenses roughly twice over. Would you take on the risk of stepping away for a year or two in this situation? I know it might sound like an obvious yes, but I don't want this to unintentionally turn into permanent retirement.

My plan is to try freelancing and explore building something of my own with AI. I just don't have the energy to pursue that while working full-time — honestly, I can barely keep up with my actual job right now, let alone anything extra. The downside here of course is the opportunity cost on giving up a $130,000 salary.

The CSV download should be updated to include the name of the merchants, Currently there is no way to know what the payment was for all i see is Online bill payment (executed at Date).

I don’t quite get the logic behind the active trader requirement of 50 trades a month. If I DCA ~13 times a week instead of once or twice, would that be enough?

Eventually, when I leave my job, I’d like to transfer my employer RRSP and still get the 3% match. Given the risks of moving a large sum - I always lost money doing this as the market went up in the meantime while the money is in transfer for the 6 to 8weeks- I won't transfer for less than a 3% match.

If you're a Gen client in my opinion there should be no conditions, They should give you the 3% match as a perk.

16.4k shares * 0.32 = 5.2k :) Psychologically exciting I know it's not real money.. It’s wild to think I’ll get enough dividends from XEQT, a growth-oriented ETF, to cover my annual fixed bills 1.5x times over, that’s pretty bad-ass lets face it.

Edit

DRIP is enabled

FYI that is just my XEQT positions I have +1M in the stock market with employer RRSP and other ETF

Edit2

2025 Our house hold expenses 40 DINKS, mortgage is paid 210k HHI 1.6m NW with house

Here's the data in table text format:

Summary: 10 categories • 308 transactions • $23,327.90 total + ~10k on wife's side ~30-35 k/year