Hi! My wife and I will retire early with young kids, and the CPP Child Rearing Dropouts will apply to future years in our plan. Is there any way to approximate the CRDO in future years of zero earnings for one of us?
(I’ll also take this opportunity to stoke the fire with a CRDO feature request - I know it’s coming, but it would be nice to have the platform work that out.)
Thanks!
Hi! My wife and I have a plan where I will retire first, and she wants to work a bit longer and retire later. During this “bridge” period, we would like to diversify her ESPP away from a single stock. It has done well and represents 30% of our portfolio at this point, and we don’t want the single stock volatility heading into her retirement. We will sell shares yearly and use her RRSP to cancel out the capital gains as much as possible. Is there a way to model this plan in Adviice, and use the platform to understand optimal amounts to sell and how much to then put in her RRSP?
Thanks!
I’m a 44 year old male who’s main goal is hypertrophy and strength, who just switched to this program after running a 3-day full body program for several months. I enjoyed it and saw results, but I found I was starting to get nagging issues, like shoulder impingement on one side, and decided to try something that prioritizes recovery given that I’m old. I went from 6-7 exercises per day to this more minimalist approach. I’m not looking to build a bodybuilder physique so I don’t care about things like calf raises and such, but rather I just want to be and look strong, build some muscle, and have it be obvious that I lift weights when I take my kids to the pool.
All of the major compound lifts have a top set at lower reps and a backoff set with higher reps at 90% of set one’s weight after a warmup, so 2 working sets for those. Accessory/smaller movements have 3 sets at a static weight. Progressive overload is managed by adding weight to all sets once I hit the top of the range in set 1 of any exercise, adjusting backoff sets to 90% of that new weight if needed, and ensuring all sets are done to 1 rep in reserve for consistency of effort. This is the exercise list. It is quite minimal, only 4 exercises a day, so I’m concerned something major is missing. I’m attracted to the minimalist approach because I’m a busy working dad:
Day 1:
Barbell Squats x 2 (Top/Back off)
Bench Press x 2 (Top/Backoff)
Seated Dumbbell Lat Raises x 3
Supinating Dumbbell Curls x 3
Day 2
Barbell Overhead Press x 2 (Top/Backoff)
Barbell Row x 2 (Top/Backoff)
Seated EZ Bar Overhead Extensions x 3
Barbell Curls x 3
Day 3
Conventional Deadlift x 2 (Top/Backoff) - may swap to RDLs
Incline Press x 2 sets static weight
Chest Supported Rear Delt Flyes x 3
Hammer Curls x 3
I don’t want to stifle progress by doing too little, but I also want to prioritize recovery since that’s when you grow, and keep at it long term by staying injury free - basically the tradeoff I’m looking at is longevity in the gym vs faster results. I still want to be lifting when I’m 50. I eat in a surplus, I get tons of protein, the diet is covered. But I have young kids and sleep is an issue, so recovery can be challenging. I’m trying to find the sweet spot for what I can do with consistent effort and still recover from week to week.