u/younghibou

Mine would probably be somewhere in BC, would be so nice to have mountains nearby and a better climate

Been wondering what I would do for CoastFIRE, maybe some type of outdoor job would be nice since I've mostly been in office jobs. What are y'all thinking?

Your FIRE number is fake Or at least it is incomplete unless vou know what account the money is in "I need $1.5M to retire" sounds precise, but $1.5M in a TFSA is not the same as $1.5M in an RRSP taxable account, LIRA, pension, or some mix of all of them. That sounds obvious, but I think it gets glossed over. Th common FIRE number is usually based on spending, like "I spend $60k/year, so at a 4% withdrawal rate I need $1.5M." In Canada, the account type matters a lot:

• TESA withdrawals are tax-free
• RRSP/RRIF withdrawals are fully taxable
• Taxable accounts depend on gains, dividends, interest, and cost base
• CPP/OAS add taxable income later
• RRIF minimums can force withdrawals

The same headline portfolio value can support very different after-tax spending I put together a Canadian example article comparinc RRSP, TFSA, and taxable accounts and better approximation of the FIRE number.

Thinking of doing one out east and curious if people enjoyed it or have others they liked

Passport is enticing for the travel perks but the gold has great reward rates, which do people prefer?

For me i would love to go deep into learning an instrument. Might be ambitious though by the time I achieve FI though haha

I'm especially thinking about beach/water destinations

I love the idea of FIRE and am steady working towards the goal, but want to make sure I don't let it detract from experiencing things in the present and enjoying what I have. Has anyone even gone as far as being formulaic about it? Like set x% aside for saving and x% for experiences

Trying to decide between these two and curious what people’s experience has been.

The TD Aeroplan seems like the better option for overall points value, especially if you fly Air Canada, but the CIBC Aventura has the lounge passes and more flexible travel redemptions.

Both have the same $139 annual fee and similar income requirements, so I’m mostly trying to decide whether the higher potential Aeroplan value outweighs the flexibility and travel perks of the Aventura.

For anyone who has used either (or both), which would you choose?