u/rgower

Don't compare. Your situation is your own. Actually, your situation probably isn't even bad to begin with, since you own condo at 33 and a new vehicle, it sounds like you have a net worth of ~100k as well as a high income. You have the opportunity to set yourself up extremely well.

I'm going to say the obvious: Stop trading options. Automate your investing so that you're removed from it. Make regular contributions. For the next 2 months, try to spend as little as you can. Like, make a game of it. It should be uncomfortable. Then, after having learned the value of your dollar and your budget baseline, slowly increase your spending to where you're comfortable. Invest all of the rest. If I were you, I would aim to invest 5k per month. 

Lastly, you may not have a financial problem, but an emotional one. The critical self talk and constant self destructive gambling might be better served by therapy than investing advice. Would recommend taking some time to invest in yourself too. Good luck brother, the world is your oyster.

People don't respond loyally and enthusiastically to those who mock them. I get it from a fan's perspective, but from a player's perspective you're out their, getting you ass kicked and then your hometown crowd jeers you. During a rebuild we can can shit on the team all we want, but I worry that kinda attitude isn't going to retain good players who want to stick around.

This has humiliation vibes, I don't like it. Manny looked choked up too. Although admittedly I tuned in right before this happened.

Beautifully said. But I don't think that's the whole story either.

If a parent wants to empower their child to understand boundaries and encourage their right to say no to touching others, that's fantastic. But the first time a child meets granny, the kid is likely going to be afraid of her, especially if she lives on the other side of the country. And if the parent simply defers to the child's wishes, the child's fear based avoidance may grow into a pattern if it's unequivocally respected.

Of course, there are countless examples of the other side, in which children are forced to physically embrace others against their own instincts. That's obviously not good either. But my point is that there are two failures to the bowling lane of parental encouragement. One gutter lies in indulging the child's fears, and the other lies in pushing kids past their limits and not respecting their autonomy.

I would hope that parents would both respect their kid's bodily autonomy as well as provide occasional encouragement (without forcing) their kids to challenge their fears in circumstances where the parent deeply trusts the individual in question. Through that approach, the kid learns that they have ownership of their own body, and that their body is sometimes capable of projecting danger where it isn't, and that mom and dad are trustworthy figures who can help them navigate a complicated world filled with opportunities and risks.

I say this with love, you have a spending issue. I make substantially less than you, pay more in rent, and save nearly 1k per month. I also have a rich and fulfilling social life. 

Would recommend you get on a written budget. Review your past statements and track where all of your spending is going. Make a Google spreadsheet so you can review from time to time as your habits evolve.

Challenge yourself to live as frugally as you can for a while, like uncomfortably so. Cut out everything you don't absolutely need. Make it a game to see how low you can go. Then, after trying that for a few months, give yourself a bit more breathing room if you need it, having learned the value of your dollars.

Lastly, here are a few areas where I consistently save a lot, by my estimate about $500 a month. But before I list them I'd recommend that a big reason to save is to improve your living conditions and health. You could easily afford a better place with half of these recommendations:

• Grocery shop at Walmart (-$100/m). I pay for plus membership for free deliveries but their delivery fees are still cheaper than regular grocery bills.

• 12$ a month (-$50/m) freedom mobile cell phone plan. It's actually $144 for the year, prepaid. Unlimited voice and texts. I have limited data, like 1.5gigs/ month but that's actually plenty as long as I don't doomscroll, which I don't want to do anyways. Download offline Google maps for more data savings. Know your local coffee wifi and you rarely need data.

• No Cable/Netflix/Crave/Disney plus/anything like that (-$50/m) . If I wanna watch something it's YouTube or piracy. 

• I have a car but I rarely drive. Saves me a ton in gas, parking, and maintenance (-$150). I used to bike, now I e-scooter which is insanely convenient, fast, and fun. Wear a helmet!

• Limit eating out (-$100). I don't like missing out on friend dinners so I will still go out to eat if there's an occasion, but do not make a habit out of it. 

• Whenever I really need to buy something, I check Facebook marketplace first. If it's not time sensitive, I will wait for the right Marketplace deal. (-$50)

Once you factor in what Minnesota will get back for trading him at the deadline, which I'm guessing will be about 60% of what they gave up, it doesn't look so bad for a crack at the cup.

lmao thank you

I was good enough to scrim/pug against those players regularly. I actually love your question because it is quite an experience to play against the top level.

They instantly kill you the moment you see them. If you think back to times when you've gotten peaked and insta killed, then tempted to call cheats - Not only do they do that, but with near perfect consistency. They move fast, precisely, and elusively. Even their air strafing makes them hard to hit. If you're lucky enough to get behind one on a lurk and plan to double burst them in 4 bullets, they'll 180 and kill you before your 2nd burst. The only hope you have of winning a 1v1 is by perfectly pre-aiming and jiggle peaking, then landing an instant headshot. But even then, that feels 50/50.

When it comes to other situations, you can use the map to your advantage. You can use clever off angles and utilize sound cues to exploit audio info. They are human after all and you can kill them. But your off angle won't work the next round, nor will your flashes or smokes or whatever worked the round before. They immediately adapt.

In a straight up 1:1 duel, you're fucked. It's psychologically devastating, because you can't hold your usual angles or play your usual game. You end up playing scared, and start questioning all of your decisions. Eventually, their insane skill forces you to adapt your play, and instead of getting absolutely shit on, you get a mere thumping. The only way to give them a reasonable challenge is with a well coordinated talented 5-some, with enough players who know all the good entry flashes, smokes, and mollies such that you can throw a diverse range of attacks on them. Even then, you're going to get smoked.

It's not fun unless your a glutton for punishment, or really looking to become a pro and enjoy swimming with the sharks.

Curious, by scooter did you get a regular Vespa style scooter or an e-scooter? I recently just got the latter and the portability to convenience blows my mind

Very cool. What are your early thoughts? I'm thinking of getting the single motor 2.0 version because it's 10 pounds lighter, but still looks like it's gonna be pricey...

Do you work for the company? Those looks like they're in preorder to me?

Curious what speed you think you were going, honestly? I usually zip around at 30-35km/h and wondering if they'll be that strict

Looks like you're up 125% on the day in your TFSA, but you're not supposed to day trade in there are you? Wondering what the CRA would think about this.

Do you know the brand by chance? I have a similar one but not happy with it..

Hello there - fellow RX100 shooter from vancouver island :D

Is this Vancouver island?

Great shots! Curious if these are edited RAWs or SOOC jpgs, and if so what recipe?

Beautiful photos. Do you use a diffusion filter? Curious which one if so, I'm not happy with mine but these looks very tasteful

As someone who's been afraid of getting into motorcycling my whole life for safety concerns, I find your comment really surprising. Thanks for your input

Hey OP - I wonder how many people here are giving you feedback assuming that you gross 70k per year, rather than net. I would recommend deleting the thread and posting again in a month stating your gross income (include the net afterwards, if you like)

At what speed cap would you say an e-scooter becomes more dangerous than a motorcycle? Mine caps at 38k/h (24mph) and it's hard to imagine that it's more dangerous

Interesting! How much would you say you earn per hour on average?

I bought my first e-scooter yesterday, so this feels timely. Mine tops out around 25km/h to meet the new requirements, and I can say that I had more fun zipping around Beach Drive and watching the sunset than I have had in literal years. These things are the future.

That said, I would like to see the city impose stricter regulations and enforcements. Here's a smattering of ideas: At 25km/h, the existing regulations make sense. It's a tourist friendly speed. Someone who's never ridden an escooter can pick one up immediately and ride it full throttle within minutes. But personally, this cap feels like an overly cautious ceiling.

I would like to see additional classes - Like basic commuter scooters that max out around 40km/hr but require additional hardware like turn signals, illuminated helmet lights, etc.

Beyond 40km/h+ classes which should require a motorcycle-type license and can be ridden only on regular roads. These scooters know/track exactly where you're riding, and will warn you about breaking your local laws. I even rented one in Comox that flat out wouldn't let me into certain areas - The scooter would just come to a stop. I wouldn't mind if there was even GPS zoning where scooters are limited to lower speeds.

I don't know how many of these suggestions are practical, but I completely agree that an 85km/h scooter is an insane device to have anywhere near pedestrians / mixed use trails.

I'm 40 - A word of advice from someone who was behind and is now quasi-comfortable. Don't make investments something you have to think about. If you automate your contributions, it relieves mental friction. I'd recommend putting away a percentage of your regular income into a low cost etf (Like XEQT, try to avoid individual stocks) on a regular basis (week/month) using autodeposit for your TFSA on Wealthsimple.

If you don't have a stable income, then whatever your can afford - even like $25 a month or even less. That may seem like nothing, but in all seriousness, at your age it's far more important to establish the investment habits than it is to chase big numbers. You can invest more as you learn spending habits / grow your income.

I've never had high a paying job, but if I'd only invested a small percentage of my income starting at 21, I would now easily be able to buy a house or nice condo in a high cost-of-living area. Unfortunately, I didn't do that, and I will likely never be able to buy because of that. I started late, but I'll have a decent retirement because I've been extremely disciplined in recent years. You're young, so if you stay consistent the world is your oyster.