u/excellentbreakfasts

Apologies if asked but I couldn’t find posts on this. My G3 is awesome but after about a month I am experiencing maybe 1mm of play on the handlebars and stem. I’ve tightened everything that a user can tighten. There is nothing loose where handlebars attach or at the heavy hardware above the hinge. The only place it might be is either the folding hinge ball joint, or play from the front shocks. However it still is unmistakably loose feeling and getting worse. Don’t want the dental bill when it suddenly fails. Has anyone experienced the same thing and found a root cause?

Apologies if asked but I couldn’t find posts on this. My G3 is awesome but after about a month I am experiencing maybe 1mm of play on the handlebars and stem. I’ve tightened everything that a user can tighten. There is nothing loose where handlebars attach or at the heavy hardware above the hinge. The only place it might be is either the folding hinge ball joint, or play from the front shocks. However it still is unmistakably loose feeling and getting worse. Don’t want the dental bill when it suddenly fails. Has anyone experienced the same thing and found a root cause?

I need to spend a few hours catching up on work on my laptop and I don't want to just sit at home. Besides bars and diners, anywhere come to mind to pull up a halfway comfortable chair and work for a few hours?

Looking for a reality check on my numbers and early retirement timeline.

My Situation:

• Age: 43
• Income: $85,000/year salary from my small business. I could pay myself more if I want.
• Housing: Own my house outright. Conservative value: $350,000. $0 mortgage.
• Debt: $0 (no car loans, credit cards, or lines of credit).

Savings & Investments:

• RRSP: $315K
• TFSA: $0 (never contributed).
• Monthly Savings: $1,500/month into the RRSP.
• Future: Expecting a $150,000 inheritance within 10–15 years.

Portfolio Structure: Managed by an advisor under a fee-based program using low-cost institutional/Series F units and broad ETFs.

• Global Active Mutual Funds: ~56%
• Passive Equity ETFs (US/CAD/Dividend): ~42%
• Cash: ~2%

The Goal: My cost of living is very low without housing debt. I want to retire at age 55.

Am I setting up a major tax bomb at age 71 by having everything in an RRSP/RIF? With an $85k salary, should I stop contributing to the RRSP and pivot my $1,500/month to max out my TFSA instead?

Can I realistically pull off retirement at 55? What am I missing?

Looking for a reality check on my numbers and early retirement timeline.

My Situation:

• Age: 43
• Income: $85,000/year salary from my small business. I could pay myself more if I want.
• Housing: Own my house outright. Conservative value: $350,000. $0 mortgage.
• Debt: $0 (no car loans, credit cards, or lines of credit).

Savings & Investments:

• RRSP: $315K
• TFSA: $0 (never contributed).
• Monthly Savings: $1,500/month into the RRSP.
• Future: Expecting a $150,000 inheritance within 10–15 years.

Portfolio Structure: Managed by an advisor under a fee-based program using low-cost institutional/Series F units and broad ETFs.

• Global Active Mutual Funds: ~56%
• Passive Equity ETFs (US/CAD/Dividend): ~42%
• Cash: ~2%

The Goal: My cost of living is very low without housing debt. I want to retire at age 55.

Am I setting up a major tax bomb at age 71 by having everything in an RRSP/RIF? With an $85k salary, should I stop contributing to the RRSP and pivot my $1,500/month to max out my TFSA instead?

Can I realistically pull off retirement at 55? What am I missing?