Wages to Wealth

205 posts

Wages to Wealth

@WagetoWealth

Canadian investing journal | Index investing & registered accounts | Personal experience + education | Not advice | Wealthsimple referral ↓

Ontario, CA Katılım Haziran 2026

30 Takip Edilen30 Takipçiler

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Wages to Wealth@WagetoWealth·5 Tem

Welcome to Wages to Wealth. This account is a real-time record of building a stronger financial life from employment income. The goal is to earn more, use money intentionally, build assets over time, and improve my financial position every year.

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Wages to Wealth@WagetoWealth·4h

A financial plan does not need to be complicated to be effective. Earn more when possible. Spend intentionally. Invest consistently. Keep costs low. Avoid changing the plan because of short-term noise. Simple habits repeated for years can do a lot of the heavy lifting.

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Wages to Wealth@WagetoWealth·6h

I’m trying to focus less on finding the “perfect” investment and more on building a system I can keep following.Regular contributions, broad diversification, low fees, and patience may not be exciting—but consistency is usually more useful than constantly changing strategies.

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Wages to Wealth retweetledi

Wages to Wealth@WagetoWealth·5 Tem

June 2026 Snapshot — Wages to Wealth begins here. Net worth: $85.7K Capital directed to investments: $9.0K Spending: $3,340 vs. $3,300 budget June included account restructuring, so investment activity was not normal. July begins month-over-month tracking.

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Wages to Wealth@WagetoWealth·21h

@GtbTrade Good question to ask yourself, I ask myself every time I buy anything because every dollar could be another investment. You become surprised with how little you really need the other stuff

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Gtb Trade@GtbTrade·1d

Every paycheck I ask myself one question: “Will I remember buying this in 10 years?” The answer is usually no. That’s why I keep buying stocks.

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100.1K

Wages to Wealth@WagetoWealth·21h

@GtbTrade I'm transferring money to my P2P lending platform so I can look over loans. It's just as good as looking through stocks, new addiction. So far, I have only contributed 900 so far. I plan to do much more in the future.

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Gtb Trade@GtbTrade·1d

What’s everyone buying on this red day?

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Wages to Wealth@WagetoWealth·22h

@GtbTrade Congrats, I'm doing a running theme on my X about my wealth growing as well. Hope you reach your goal. Every dollar counts, 600 in a week is solid.

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Gtb Trade@GtbTrade·1d

Road to $1M — Week 7 Age: 19 Portfolio: $ 10,890 Invested this week: $600 Biggest mistake: Not buying more $VOO Next goal: $15k

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Wages to Wealth@WagetoWealth·22h

@AboundWealth Future you will need money and no one is coming to save you, invest now and regularly.

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Abounding Wealth@AboundWealth·23h

You get 15 seconds with every 18-year-old in America. One sentence about money. What do you say? Best sentence gets pinned all week.

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Wages to Wealth@WagetoWealth·1d

@TheCADInvestor I know all about them now, but thanks. I meant that's what I wished I had known.

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Canadian Investor@TheCADInvestor·1d

@WagetoWealth Here you go

Canadian Investor@TheCADInvestor

TFSA vs RRSP CHEAT SHEET FOR 🇨🇦: TFSA: • No tax deduction today • Tax-free growth • Tax-free withdrawals • Contribution room comes back • Best when your tax rate is low/moderate today • Great for flexibility RRSP: • Tax deduction today • Tax-deferred growth • Taxable withdrawals • Contribution room does not come back • Best when your tax rate is high today • Great for retirement Simple rule: TFSA = pay tax now, never again RRSP = avoid tax now, pay later The best account for your next dollar depends on your tax rate today vs your expected tax rate in retirement.

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Canadian Investor@TheCADInvestor·1d

For everyone new here: What’s one Canadian investing topic you wish someone explained to you earlier? TFSA? RRSP? FHSA? RESP? Taxable accounts? ETFs? Dividends? Fees? Taxes? Real estate? Reply with one. I’ll turn the best questions into posts.

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Wages to Wealth@WagetoWealth·1d

@AboundWealth @MiliauEm He has set aside. I think 30k USD to cover costs for when it launches he paying for the data needed. It's called an API, I believe, im not technical enough. It's like all the financial data sent to the site to organize all the data and such to display it nicely.

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Abounding Wealth@AboundWealth·1d

@MiliauEm @WagetoWealth Wow. What’s the website called?

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Abounding Wealth@AboundWealth·2d

What’s a purchase under $100 that genuinely improved your finances? A book, a tool, an app, a course correction. The replies to this become a shopping list worth more than most paid newsletters. Drop yours.

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Wages to Wealth@WagetoWealth·1d

@AboundWealth @MiliauEm To be honest, it's not up yet he has been building it for months and works at a company that designs like banking systems or something. His job confuses me, just the title. I don't think he wants the name shared.

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Wages to Wealth@WagetoWealth·1d

@AboundWealth Yah, Canada thing, I have one friend who invests in the US he is with Schwab I believe. He is buying his own stock website, sort of like Yahoo finance. Honestly, it looks amazing cant wait.

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Abounding Wealth@AboundWealth·1d

@WagetoWealth Oh that’s pretty good. I’d take a look, even though I like the platform I use, but sounds like it’s a Canada thing. I’m in the US.

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Wages to Wealth@WagetoWealth·1d

I don’t view budgeting as cutting everything enjoyable. The goal is knowing where my money goes, deciding what matters, and making sure investing happens consistently. A budget should support the life you want—not make you feel guilty for spending.

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Wages to Wealth@WagetoWealth·1d

@AboundWealth They have good budgeting functions, and trades are free, and options are as well if you are into those. So it's good for DIY investing for registered accounts. For those wanting help, they also have other options that aren't insane on the cost. I think there managed is .5%.

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Abounding Wealth@AboundWealth·1d

@WagetoWealth Nice. Hey if it helps you be wiser with money that’s all you need!

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Wages to Wealth@WagetoWealth·1d

@Mr_Derivatives So, no correlation whatsoever, and it could be red or green? Which is literally the option at all times, and doesn't change regardless of the previous years' green's and reds.

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Heisenberg@Mr_Derivatives·1d

$SPX Last 6 years: Aug 2020: Green Sept 2020: Red Aug 2021: Green Sept 2021: Red Aug 2022: Red Sept 2022: Red Aug 2023: Red Sept 2023: Red Aug 2024: Green Sept 2024: Green Aug 2025: Green Sept 2025: Green Just sayin’.

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Wages to Wealth@WagetoWealth·1d

@kinginvestings I think it is better to own a broad market index for cheap and not take the chance or concerns about being wrong. I try alternative investment options myself because I also wanted to be a stock picker and just unsure if it's worth the risk to try.

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King Investing 👑@kinginvestings·1d

What’s the hottest stock right now?

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Wages to Wealth@WagetoWealth·1d

@ShaziGoalie Jeez, that is hurtful, we will be looking for a home in the Hamilton/Niagara region, probably in 3 years or so. Though we won't be looking in the 700k range. Preferably 450k or less.

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Shazi@ShaziGoalie·2d

In 2022, someone paid $700K to buy a BRAND NEW studio apartment in Hamilton, less than 500 sq feet in size. I don't know what was the plan here but they were renting this out for $1800/month. They just sold for it for a 62% loss at $263K.

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Wages to Wealth@WagetoWealth·1d

@MeghanChayka The Little Book that still Beats the Market, it's a good one and quick. The Most Important Thing: Uncommon Sense for the Thoughtful Investor is another option as Howark Mark's is amazing.

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Meghan Chayka@MeghanChayka·1d

What’s the best book you’ve read this year? I need a reading break and I’m out of ideas.. 👩‍💻👀✍🏼

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Wages to Wealth@WagetoWealth·1d

I’m currently looking into an unsecured line of credit that I may use to invest. I already invest with a secured LOC, but I’ve reached the limit there. This is the riskier side of my strategy, so I’m keeping it limited to what I can handle and documenting the process honestly.

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Wages to Wealth@WagetoWealth·1d

@Smartnetworth1 Well said, it's really about budgeting, spending less than you make and investing the rest. Spend how you want with purpose. Transferring your wages to wealth over time is how retirement works.

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Nick | Dividend Investor & Educator@Smartnetworth1·1d

People will finance a $5,000 vacation on a credit card at 24% interest but will hesitate to invest $500 a month in the stock market because it's "too risky." Your mindset is often the biggest investment you'll ever make. That’s real.

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Keşfet

@GtbTrade @AboundWealth @TheCADInvestor @MiliauEm @elonmusk @BarackObama @taylorswift13 @cristiano