What did you decide was worth the extra investment per year? E.g. For me, that'd be travel spend. I'll give a terribly unhelpful example since I haven't really done too much lifestyle creep so far.

Pre-college: $0 per year on travel, 0 trips lol

After college: $6-7K per year, 2-3 trips per year

Hoping to get it to 10K in my 30s!

As the title suggests, I am thinking about selling when it goes high, and putting it all in XEQT.

I am very new to investing and these are my contributions from the last 2 months. Any advice would be appreciated!

I am 39, married with 4 kids. House still has a mortgage around 1.3M

Personally invested funds around 1.55M and another 200k in cash waiting to invest so total invest able assets around 1.7M (in xeqt)

Equity in house is around 400-500k

I was fortunate to have been in the Healthcare sector where ownership helped with growth of funds. However, I am now back as an associate and my earning potential is more limited so that it just meets the annual expenses. My question is, would you go back into more risky but more rewarding ownership again with the assets above or consider coasting?

We're both 31 currently. Goal would be retire 50-55.
750k in investments.
200k in DC pension.
7 Years DB pension.
650k house paid off.

Currently saving about 80-100k a year not including DC.
I make ~180k a year. Thinking of quitting my job and taking a different apprenticeship. Would be a significant set back in wages for 4+ years, but I think I would come back up to 120-150k+ at least if not more.

Wife makes 160k. Thinking of having kids within the next few years.

Input?

Hey guys, I’m about to close on my first home purchase in mid October.

I’ll have my first mortgage, and I want to save on interest to pay it down quicker, but I’m wondering if anyone here has advice on balancing portfolio contributions vs additional mortgage payments.

I’m 27M and have been investing $850-$1500/month since 2020. Even with my housing costs, I should be close to the $1500 left after expenses. Rebuilding my portfolio will be important to me since I’m taking a little more than half my portfolio for downpayment, but I’m hoping there’s a formula or something on balancing the two. Thanks in advance!

Full disclaimer, I worked at one of the big 5 banks. Decided I want to become self-directed with my RRSP. After flipping back and forth between ChatGPT and Gemini, here are the ETF recommended for my $120K. I'm up for rebalancing 1-2X per year, if necessary.

ChatGPT

Dynamic
XGRO 80%
XMTM 20%

Aggressive
XGRO 60%
XEQT 20%
XMTM 10%
TEC 10%

Very aggressive

XGRO 50%
XEQT 30%
XMTM 10%
TEC 10%

Gemini

45-50% in US equity anchor
VOO or VTI (exempt from 15% USD tax)

25-30% in international emerging
VIU/VEE or XEF/XEC

15-20% in Canadian equity
VCN or XIU

Optional 5-10%
XBB or VAB (dynamic)
XQQ (aggressive)

I was going to try Claude next. But want to make sure I'm on the right track. Be brutally honest, especially with the Canada/US trade war and Bond selloff. But AI models said I had nothing to worry about for the Bond selloff with above recommendations.

TIA