喔唷,发现CFC上别的能人没有,有钱的特别多。你是不是一进公司就年薪十二万?还是双收入?如果是这样,你也有机会收牛奶金啊,花钱请个好的会计师帮你打点下,多买点RRSP,再买几套投资房,长线短线,现在将来,你都cover了,多滋润啊,到那时还会以为收牛奶金的人是低收入吗?什么钱都可以省,请会计师的钱不要省,you don't fix your own teeth, you don't do your own tax, ok?
you are a very strong 能人, I will learn from you.
After pay RRSP, RESP, travel, 房贷,card insurance, bills,... not much money remain to invest house. I am a coward people and tried pay off 房贷 soon, because my investment never over 3% (with 会计师 friend help).
one of my friend (80k) recentlt received a layoff from federal gov, her wife 5-60,000, their face are become GREE(still have big 房贷in Bahaven house), they are used to be very proud of be a 能人 because they have a second invested condo in downtown).
my point: investing house marking if you have extra money. Otherwise, you will die lots of brain cells, and lots of worry, no life if you are a low income family (why gov give you milk money?)
btw, I felt poor when I received $20-50 牛奶金/month many many years ago.
btw, in Canada, lawyer money cannot be saved, but 请会计师的钱要省, because you can fix everything you self,
I do tax myself, I also appealed Revenue Canada two times for tax issues, and I all won before walk into Canada tax court room.