Early Retirement Extreme Forums

Wow it's been more than a year since I posted here. Net-worth has bounced around a lot recently, stock market crash, but I don't really care much.. I have been there and done that now a couple of times and it just means it's cheaper. Inflation is high but I have a house with a big ole fixed rate mor...

Congratulations on quitting Rube!

My Uncle would get some Rotting apples off the ground from people in his neighbourhood who had fruit trees but never actually did anything with the apples so they just attracted hornets. He take those apples and put them at the top of the slope near his house. He lived out in the woods and eventuall...

Quick update Second son born slightly prematurely, during a COVID peak in busy Toronto hospital (Sunnybrook). Everyone is healthy and thriving. Baby has terrible baby acne but otherwise awesome. Work. Received highest possible score on yearly review. Love my job (mostly) and get to work from home an...

Sorry to hear about your Dad. Glad to hear there’s no permanent damage.

We Bought a House We bought a house in a small city (Clarington) near the very outskirts of what one could call the GTA (Greater Toronto Area). I am happy with the house, it's fairly new and doesn't need much work. The neighbourhood is close to good schools and is mostly young families like us. We'...

@basuragomi Yeah we're looking well outside of the Toronto area. I'm going to ask my boss if I can work remotely on a permanent or semi permanent basis this week. Hopefully if he is agreeable we can go to a low cost of living area. I read my companies policy on remote work and they say that your sal...

Random Enormous Gift I have some misgivings about disclosing this but I have been transparent about my finances thus far so I think it's ok to share. An older relative, from my wifes side, gave us 250K recently. He told us to use it as a down payment on a home, specifically a freehold property pref...

Hi Rube, I just finished reading most of your journal from Jan 2020 to now. Working part time sounds great, that's actually what I think I want my future self to do too. The rental business sounds like a headache to me, but that's my personality. I'd get disgruntled with tenants contacting me with u...

Update Since the COVID outbreak my wife and I have been WFH full-time while simultaneously caring for a two year old boy. That hasn't left me with much 'free' time. I've become a much more experienced parent. My back hurts much more. My kid hasn't had been sick at all for months for the first time ...

I'm down ~21% in NW FWIW. Portfolio is basically a 60/40 stocks to bonds. It's weird there was one day where the bonds (and index of them) dropped a lot for some reason. News stories said panic asset sales were being translated into funds having to sell short term bonds to cover.

One of the basic principles of investing using factors is basically: exposure to a factor is exposure to a factor. The factoring math is just looking at some empirical data and doing some fancy regressions, or some such thing (I'm not that smart), to tell you how a security behaved relative to some ...

Based on your last post , NW is somewhere close to 1.3M CAD/1M USD. I think for most people on this forum that would be plenty, it must feel amazing to have that kind of NW. At this point you're able to make decisions to keep working in order to satisfy things outside of general requirements (food, ...

SavingWithBabies wrote: ↑

Tue Nov 05, 2019 10:39 pm

Wow. That sounds horrible. Congratulations on walking away from that dumpster fire.

Thanks

Sometimes you need to get out your comfort zone to grow. Sometimes it is not about you and it will never work. You demonstrated you own your life by taking the right action. Good luck in the new job. How is the family (read mostly baby) doing? Yeah I think getting out of my comfort zone taught me a...

I wish you did something colorful to your bosses and said “You need to own it buddy” on the way out. I have been professional with her. I signed on for 3 weeks of notice but given I only worked there 5-6 months I asked for 2. She told me it was out of her hands. I told her to go to HR and tell them...

That Time I was a Manager I’m moving on to another job again. I’m excited about my new job because I think it’s a better fit for me. It’s a better fit for my skills and traits for sure. It also pays less than the manager job I have now but more than the job I had before that. There were two things ...

7Wannabe5 wrote: ↑

Thu Jul 18, 2019 8:12 am

So, the right answer is 80% timberland, meat rabbits, and guard dogs and 20% VTSAX on margin?

@7Wannabe5: Only dairy rabbits for the vegetarians among us.

Family Communism I transferred 23K CAD to my wife since Feb 2018 when my son was born. I did this as part of what I jokingly call "family communism" whereby we add together all of our incomes and do a transfer so that our total incomes are the same. So far our communism hasn't suffered th...

Life My son is growing up fast. He's going through a phase where he gets angry or upset and hasn't learned to control himself when these emotions hit. I see this as an interesting opportunity to see his raw psyche before he learns to filter things. When he gets upset he shrieks as loud as he can an...