Comments on: Quarterly Net Worth Update: Q3 2020

By: Court and Nic

Court and Nic — Sat, 14 Nov 2020 13:44:14 +0000

In reply to Chris @ Mindful Explorer. Hah yes very busy over here! Still keeping our housing down thankfully with the rental income. Yea with XAW, we were adding to our US portfolio when the intention with this additional ETF was the focus on non-US companies. So it seemed silly to be paying a higher MER for a product that wasn’t really what we were particularly looking for. So we’re doing a mix of VUN + VDU.

By: Chris @ Mindful Explorer

Chris @ Mindful Explorer — Thu, 12 Nov 2020 16:17:17 +0000

This was an awesome update and wow you two have been busy, you have made some big moves but I think they were very wise. A bit caught off on the house until I realized you had a cool plan for the rental income to pay for the new house mortgage, well played. Interesting that you have VUD ,? I am still so very happy with how XAW has performed for us and continues to be a powerhouse. Looking forward to Q4 update once things have settled in with the move and also market changes post US election.

By: Court and Nic

Court and Nic — Wed, 28 Oct 2020 02:41:33 +0000

In reply to Dave. Hi Dave thank you for this note and glad you found us. There sure is a ton of US content out there but the Canadian FI community is growing as well :) It’s nice knowing that Roth-like conversions are not necessary up here so you can tune out that noise. The CCB benefits are pretty crazy when you start playing around with it to see how it will impact your journey! I was shocked when I first dig through it in greater detail. Looking forward to hearing from you again!

By: Dave

Dave — Tue, 27 Oct 2020 20:58:38 +0000

Thank you for sharing so much details regarding your accounts and the ETF’s that you hold in them. I’ve just recently discovered your blog and I’m really enjoying the content. Its nice to see more Canadian personal finance bloggers, I’m getting tired of hearing about maxing out your 401k and Roth conversions and such.

I’ve been playing around with the CCB calculator lately, I never really understood how much your income can affect the CCB until recently.

Keep on with great writing and sharing!

By: Barbara

Barbara — Sat, 24 Oct 2020 23:46:08 +0000

Congrats on the new home!
Just started following your journey and am wondering if there is a standard percentage that you keep in cash.
I struggle with needing cash for a sense of security and not wanting to miss out on stock gains.
Thanks

By: Court and Nic

Court and Nic — Wed, 21 Oct 2020 19:41:06 +0000

In reply to Ellie. Thank you Ellie! Stay tuned for more updates :)

By: Court and Nic

Court and Nic — Wed, 21 Oct 2020 16:30:14 +0000

In reply to Chrissy @ Eat Sleep Breathe FI. Yea it’s pretty wild! It will add about an extra year of working, not too bad if you ask me! The bonuses are really nice and all part of the golden handcuffs haha but when work isn’t stressful they don’t feel like handcuffs.

By: Ellie

Ellie — Wed, 21 Oct 2020 15:51:13 +0000

Congratulations on the new house! Great post, can’t wait to hear how you continue!

By: Chrissy @ Eat Sleep Breathe FI

Chrissy @ Eat Sleep Breathe FI — Sat, 17 Oct 2020 00:34:41 +0000

I’m thrilled that you bought a new house, with more room for Finn and hopeful babes 2. Seems like it doesn’t even register as a blip on your FIRE progress! That’s pretty darned impressive. Your large cash holdings paid off after all!

I think the plan to wait for two more bonus payouts from your job is a smart move. Those bonuses can be pretty lucrative, and you’re in the right industry at the right time to really see some good profits.

I loved the update! Can’t wait to hear how you all settle into your new life in the new house.

By: Court and Nic

Court and Nic — Fri, 16 Oct 2020 02:07:00 +0000

In reply to Jordan @ FIRE Your Own Way. Thanks Jordan! We were close to the $1 million mark in liquid assets last quarter but dumped a bunch of our cash into real estate instead! And I promote there will be pictures in the new house post :)