Who are you?


It’s been too long since we asked this question. Who are you?

The audience numbers are simple enough to find. In the last thirty days there were 1.41 million page views here during 584,828 sessions conducted by people who should probably have been doing something more worthwhile than spending an average of 3.5 minutes on this pathetic blog. Imagine: two sessions with me equals the time consumed by the average lovemaking (7.3 minutes), for example. Just sayin’.

Casual readers of the comments section might think this is a drop-in centre for pooched renters, enraged, entitled Millennials, moldy basement-dwellers, the Trump-for-Canada party, doomers, angry old Boomer white guy, xenophobes, bullion-lickers, guns-&-God cowboys and Vespa-riding, bearded and financially illiterate latte-sucking metrosexuals. Which seems about right.

But those who post an opinion amount to only 1% or so of the people who actually come here. What they say and who they are may not reflect the current crop of readers whose empty lives drive them to this site. So let’s take one day and tell each other about us.

Here’s what I’d like to know: your age, income and net worth. You can tell us if you’re married, or have a house if you want, and maybe your line of work. Post a comment about you – so we all know if you’re average, or special!

By the way, here’s what average looks like right now:

Average age of Canadians: 39.8 years. (There are now more Millennials than Boomers, and the number of people over 65 has hit an all-time high of 14.6% of the population).

Average income of a Canadian male: $49,000. (Shockingly low, isn’t it? The median family income in Canada is now $78,870.)

The average amount saved by the 60% of people with savings: $70,700.

Average income people think they’ll retire with: $46,000.

Average life expectancy: 80.4 years

Average age at which Canadians get married: 31 (men) and 28 (women). (The oldest in recorded history.)

Average length of time a marriage lasts: 14 years. (The divorce rate in Canada is 48%, so good luck.)

Average amount paid out monthly to new CPP recipients: $643.11. (Try living on that.)

Average home price: $480,743. (This is 9.9% higher than it was one year ago).

Average net worth for a Canadian household: $322,800. (This includes all real estate equity, corporate and self-directed pension plans, non-registered investments and other savings.)

Number of Canadians with $1 million or more (excluding a house): 298,000. (Roughly 1% of the population.)

So, how do you compare to the average? Does the noisy cabal of GreaterFool commenters fairly represent you? Or are they just an unfortunate pool of human flotsam? Are you normal? Let’s find out…


#1 Smoking Man on 08.29.16 at 6:22 pm

Brag fest on…… 400 comments.

#2 Anon on 08.29.16 at 6:23 pm

Age: 37
Household income: ~100k/yr
Household net worth: 1.65M
Married, 1 kid. Rent our house (one of our better financial moves, looking better all the time – thanks Garth!). Engineer.

#3 Jimdog on 08.29.16 at 6:24 pm

Age: 34
Income: $390K individual / $600K with spouse (both attorneys)
Net Worth: $1.1M (45% house / 55% investments)

Net worth might seem low relative to income, but we’ve only been working about 8 years and started with salaries that were a quarter what they are now. Trying to find the right balance between enjoying life now but also ensuring a nice, early retirement.

#4 Anonymous on 08.29.16 at 6:25 pm

Wouldn’t it be better to use a voting tool for this? Going to be hard to monitor the comments.

Anyway, here goes:

Gender: Male
Age: 32
Income: $57,000
Status: Married
Job: Accountant

I think you would all agree, average is my middle name.

#5 Pinchy on 08.29.16 at 6:26 pm

Age : 44
Income : ~150K
Net Worth : 1.6M
no house

#6 Lynne Fay on 08.29.16 at 6:27 pm

I missed something. I am a daily reader for a hundred years but scarcely post. trying to learn not advise.

But did I miss a survey, where to click. a Granny,s dilemma?

#7 Mr X on 08.29.16 at 6:28 pm

30yr old, single male, 300-400k gross income, 100k net worth, software engineer. I have lived in US for last 2 years, but still visit Canada regularly for parents and sibling.

#8 MF on 08.29.16 at 6:28 pm

Age 33
Income: about 65k/year
Net worth: 90k


#9 David Stokoe on 08.29.16 at 6:29 pm

Age: 50
Income: 30k (part-time)
Net Worth: $2.5M
House (no mortgage)

#10 Jack on 08.29.16 at 6:30 pm

26 Male
Northern Alberta

Income: $55K

Net Worth: 0K (-student loans, +tfsa, dc pension)

Household: Just me

Community College Instructor

I learned a long time ago that complaining about the system doesn’t do anything. This blog helps me game it.

#11 MF on 08.29.16 at 6:30 pm

Above post was reality.

Now i will post the fiction most posters will report:

Age 35
Income 300k
Net worth 1.5 mil


#12 the Jaguar on 08.29.16 at 6:30 pm

The Jaguar is a late 50’s charmer, currently sitting out the market and on substantial cash. Still on the loose.
Privileged to an inside view of others finances. The good, the bad, the ugly. A little higher than average income, but nothing to brag about. Will be the recipient of defined benefit pension and a higher payout of CPP. Living a comfortable life, one of simplicity, without the burdens many carry. I have no complaints. Real or imagined.

#13 anonymous on 08.29.16 at 6:31 pm

Age 31
Income 50k / household 87k
Net worth 52k / household 100k

#14 Mike_Boogie on 08.29.16 at 6:31 pm

Age = 41
Income = $250k + 100k (wife)
Net worth = $975K

I’m self employed Finance/IT consultant
Wife is Accountant,
1 child (7 years old)

Live in Vancouver (Westside) and rent 3 bedroom coach house $2,850/month.

#15 Happy Prairie guy on 08.29.16 at 6:32 pm

Figures are for my wife and I, she is 65 I am 66 happily retired in small town MB in our great older bungalow we paid 119K for in 2013, taxes under $2k a year. Income including two defined pension plans and CPP and OAS is about 70k. Have 200k in RRSP’s we are drawing a little on each month. No TFSA’s as yet but next move will be into rental and put proceeds of house sale into TFSA’s to help pay rent.


#16 Shawn on 08.29.16 at 6:32 pm

Age: 32
Income: $90,000
Net Worth: $200,000

Single, I rent, and work in healthcare (non-MD).

#17 Anon ;) on 08.29.16 at 6:33 pm

Age: 25
Not married.
NW: $30k (cash, to be invested)
Salary: $50k

No house. No debt. Ain’t much compared to you high income earners, but it is what it is. Now you know Garth..

I try to come here to learn, and for the entertainment of course.

#18 Mr. A. Nonymous on 08.29.16 at 6:33 pm

Age: 40
Household income: ~130k/yr
Household net worth: 0.5M
Married, 2 kids.
Rent our house.

#19 hmm on 08.29.16 at 6:34 pm

Age: 33
Household income: ~95k/yr
Household net worth: 75k
Married, 1 kid.

#20 DandyBoy on 08.29.16 at 6:34 pm

Age: 29
Household income: ~78k/yr
Net worth: $30k
Single Male. $800/month Rental apartment. Zero Debt. Capital Project Manager.
Been working for three years and just finished paying off student loans for grad school.

#21 daveeee on 08.29.16 at 6:35 pm

Age 33
Household income 200k
Networth 700k
Common law

#22 Pete Nobel on 08.29.16 at 6:35 pm

Age: 32
Income: 95k (House hold 170k)
Net Worth: 250k (200 equity in house (400k mortgage) in TO bought in 2009) and 50k on TFSA + 8 years paying into fed gov pension

#23 not 1st on 08.29.16 at 6:35 pm

Well at least there wont be any engineers making $400k at age 25 in fort mac posting this time.

#24 JSS on 08.29.16 at 6:36 pm

Age: 42, married. Spouse: 37
Children: 2 (both below age 7)
Income: $107,000 single income
Occupation: project manager/engineer
Sector: public

Home: $425K
RESP: $25K
Cash: $10K
Cars: two @ $15K each

LOC: $20K
Mortgage: $82K

Not included: DB pension for around eight years.

#25 fleabitten monkey on 08.29.16 at 6:36 pm

Age: 45
Income: $110,000
Networth: $570,000

#26 JSS on 08.29.16 at 6:37 pm

Oh, and I like long walks on the beach

#27 superuser on 08.29.16 at 6:38 pm

age 35
income $80k
savings: $450k in 0.8% interest “savings” account where interest is fully taxed as income. Losing money every day where growth is less than inflation.

Scared to invest in the market, not enough for a home, and 2 dependents, I will be working double jobs until I die to keep up with the losses. or just live on the streets with wife and child.

I lose the game of life.


#28 Anon on 08.29.16 at 6:38 pm

Age: 41
Household income: $140
Household net worth: $460
Married – 3 kids – renter

#29 Bilious Festeroni on 08.29.16 at 6:38 pm

Income $108k/yr (household, and me – same thing. Single income family)
Environmental consultant
38 years old, and I have kissed a girl
Liquid Assets $163k
All Assets (incl home equity) $329k
Debt (incl mortgage) #307k
Net worth – relatively underwhelming
2 kids – married.
And a partridge in a pear tree.

#30 Kam12 on 08.29.16 at 6:39 pm

Age, 59 spoose 58. Married 36 years.
Retired, income pension 48,000 per annum. Investment draw variable.
Net worth 1.3 mm, including house 400k, pension 300k, 660k bonds and equities.
2 BMW m/c s and a place on the most beautiful lake in BC

#31 FirstTimePoster on 08.29.16 at 6:39 pm

24, income 70k, net worth 55k, single, parent’s house

#32 James_B on 08.29.16 at 6:40 pm

Age – 32
Location – Vancouver
Income – $50,000 use to make more
Networth – $980,000
Married – at 25
House – No moldy basement dweller
Long time reader first time poster, tend to Geneflex when I see a picture of GT.

Use to make significantly more but now working for the government for the pension.

#33 Ken R on 08.29.16 at 6:40 pm

Income is enough. Savings are pretty good. Married 31 years to the prettiest girl I ever saw. If this is a brag fest, I’ll go with that. Some things are more important than money.

#34 Gardenmaven on 08.29.16 at 6:41 pm

Ages 61 and 69, husband is a retired MD with university pension. Net worth of 2.2-million invested and growing nicely.

No house at the moment — sold illiquid country estate 4 years ago, thank god — renting in the GTA to live close to aged parents.

No idea where we will move to after they pass away. Kids and grandkids in TO and YVR, where they all own million dollar properties, thanks to help from the rich side of the family (not us).

In neither place would we buy.

#35 Dual Citizen In Canada on 08.29.16 at 6:41 pm

Dual Citizen : USA and CA
Age: 54
Income: $140K CDN, $26K US from Rental income
Net worth: 1.1M
Married, 2 kids
Home in the US that I rent out. Renting in Canada (of course)
Occupation: Network Architect

Got put onto this site on returning to Canada in 2010. It saved me from selling my home in the US and throwing it away in Canadian real estate.

#36 FirstTimeAnonymousPoster on 08.29.16 at 6:41 pm

Age: 32
Income: ~$400k (not paid in CAD; single income)
Net Worth: ~$400k (started late — way too much school)

Married. No kids. Live comfortably on ~20% of gross salary in very high cost-of-living area. Would love a house, but not willing to overpay or sacrifice (very) early retirement.

#37 Jimmy on 08.29.16 at 6:41 pm

Jimmy not first.

#38 CJ on 08.29.16 at 6:41 pm

Age 39

Postie/Accountant, Married, two kids & Home Owner

Household Income $130,000/ Net Worth $650,000

Thanks for the blog, Garth. I really enjoy it!

#39 Blair on 08.29.16 at 6:42 pm

Demographics: 32, male, single
City: Calgary
Income: $95k/year
Net Worth: $280,000
Real Estate: none (sold 2 years ago)

#40 crowdedelevatorfartz on 08.29.16 at 6:42 pm

80k per annum plus bonuses.
Ship repair( any size, any shape, anywhere).
Currently renting.

#41 Bby_Boy on 08.29.16 at 6:42 pm

First time poster – as a favour to you, Garth, as a small token of payback for your generally good advice.

your age = 55
income = (revenue canada total income) = $193,600
net worth = $2.95M with house, $1.8M without

#42 YVRpeasant on 08.29.16 at 6:42 pm

Age: 32
Household income: ~$150k /year
Household net worth: ~$300k
Civil Engineer
Engaged, no kids. Rent a reasonably priced apartment (the last one?) in downtown van.

Chalk me up to these categories:

“pooched renters, enraged, entitled Millennials”

#43 The Greater Cauliflower on 08.29.16 at 6:43 pm

46 Single White Male
Job Income $77,500 Gross
Net worth $2.5 M (Stocks & bonds, RRSP, TFSA)

I’m Special because I live below my means.

Invested in an unbalanced, non-diversified portfolio (my bad, I know, but reading this blog & learning to become balanced & diversified)

#44 Specail on 08.29.16 at 6:43 pm

250k in the bank
Skilled trade – I work 72 hours a week

#45 Mr. Smith on 08.29.16 at 6:44 pm

Age: 42
Income (family): $199,400
Net Worth: (family) $575,000
Real Estate (family): $0
Debt (family): $0
Savings: (family) $63,500/yr.

Married, one kid. Engineer (P.Eng) and Director of Marketing & Communications

#46 Trinmonk on 08.29.16 at 6:46 pm

Age: 37
Income: 88k
Net worth: 90k + DB pension
Single male
Work for the Ontario government

#47 Anonymously on 08.29.16 at 6:46 pm

Garth, would you put your own data in the mix, after properly anomizing it, of course? Make up any details, except the financial numbers.

#48 TurnerNation on 08.29.16 at 6:46 pm

As a soldier in the War on Middle Classes I can give out my name, rank and serial number.

#49 Chris M on 08.29.16 at 6:46 pm

Age 43
Household income $280000
Equities trader
Net worth 2.2 million
Just sold house in March 2016 now renting
Feel very free not owning a house

#50 Julia on 08.29.16 at 6:47 pm

50 yr old widow. 3 kids, one in university, 2 at home. Part-time work in health care, $30,000. Net worth is around $4M – including Toronto house, savings and husband’s life insurance.

#51 Anon on 08.29.16 at 6:47 pm

Age: 29
Sex: Male
Profession: Engineer
Income: ~ $85,000 (household, which is just me for now – partner is going back to school)
Net Worth: ~ $200,000
Marital Status: common law
No kids
1x dog (rescued this Saturday!)

#52 Steve on 08.29.16 at 6:47 pm

Age: 36
Income: $220K
Assets: $450K
Houses: zilch

Married, two kids, work in natural resources.

#53 deadman_walking on 08.29.16 at 6:48 pm

Age: 45
Income (family): 220,000
Net Worth: (family) $2,750,000
Real Estate (family) 1,350,000
Debt (family): $0
Saving: (family) 65000

Married, one kid. IT Manager and Real Estate Agent

#54 Tuxedo on 08.29.16 at 6:49 pm

Age: 27
Combined income: $160,000
Net worth: $500,000+
Government employees

And I challenge Smoking Man to tell the truth after reading his endless drivel on this blog for a looonnnggg time.

#55 ANON on 08.29.16 at 6:49 pm

Age: 32 and 31
Household income: ~280k/yr
Household net worth: 485 k
Married, 1 kid. NW split evenly between our house and diversified portolio. Calgary Oil Engineer and Physiotherapist.

#56 Anonymous0273 on 08.29.16 at 6:49 pm

Age: 35(M), Married.
Income: $96k (Household: ~$145k)
Occupation: Software Dev
Net Worth: ~$10k (not bad after failing 2 biz?)
Renter, 1 kid, 1 dog
Avg time on site: Definitely >10min per day

#57 Bank of Millennial on 08.29.16 at 6:50 pm

your age: 28
Income and NW: $62,500, $42,000 TFSA and (+$20,000k untapped RRSP room)
Marriage: common law
House: No, not on these terms
Line of work: HR

Goal: Hundo by 30

#58 Mike Muse on 08.29.16 at 6:50 pm

Age:34, single
Income: ~120k
Portfolio: 600k
1 investment property- 400k (50% mortgaged)
Renting happily in GTA, musician

#59 Anonymous on 08.29.16 at 6:50 pm

All these people earning average salaries with net worth’s in $1m – $2.5m range, HOW?!

I can only assume some serious inheritance.

#60 TRT on 08.29.16 at 6:51 pm

Age 39
Sex M
Net worth $4.2 Million (thanks YVR RE! – now liquid)
Income -Investment – varies

#61 AEJ on 08.29.16 at 6:51 pm

Age: 32
Income: $90,000
Net worth: $26,000 + DB pension
Other: lawyer, own a house, live in Victoria

#62 [email protected] on 08.29.16 at 6:52 pm

Could you just add to the template:
I’m lying: Yes or No

Seems like a lot of Richies hanging out here.

#63 TRT on 08.29.16 at 6:54 pm

Cousin’s bio:

Age 47
Sex M
Net worth $52 Million (Thanks YVR RE as well but his wealth still mostly in RE)

Friends cousin bio

Age 48:
Sex M
Net worth: $270 million (thanks YVR RE)

ps he’s immediate neighbour of chip wilson.

#64 sunseeker on 08.29.16 at 6:54 pm

male….age 62…retired…..investments $778k…..house equity $460k….$112k mortgage …spouse….$78k annual salary……Thanks Garth for all your help and info..Cheers

#65 Anon on 08.29.16 at 6:54 pm

Name: 36
family income ~ 120 000/year
Family networth ~ 650 000 (55% in the 2 houses and 45% in investments)……wait rule of 90 means…… 90-36=54…. Yikes!!! too much in the house!!! will invest what is left over of my next paycheque.

married (she’s responsible for 1/3 of the household income), 3 kids (free daycare from grandma), own a house and a rental and is a family counsellor (lucky to be still married since family/couples counsellor has one of the highest rate of divorce).

#66 Blair on 08.29.16 at 6:54 pm

Family Income 140K
44 and 42 years old
Invested Assets 755K
Bank accounts 16K
Home equity 200K
Mortgage debt 102K
Value of vehicles 20K
Consumer debt $0
2 children

2 kids – married.
And a partridge in a pear tree.

#67 Okanagan Retiree on 08.29.16 at 6:54 pm

59 years old
Career: Small business owner, Spouse: Medical Professional(not a Physician)
Net Worth: $2.1 M
70% investments 30% House
Income: 3% of investments spun off as Dividends etc

#68 Timmy on 08.29.16 at 6:55 pm

50 with 600K in investments, no debts, no property. Income over 100K.

By the way, you know how misleading averages can be. If you took people who owned a house in Vancouver and TO out of the equation, these numbers would be much less.

#69 Anonymous on 08.29.16 at 6:56 pm

50 years old.
Household income $400,000
Net worth: $4,000,000.00
Real Estate Broker

#70 McFly604 on 08.29.16 at 6:57 pm

Age: 31
Income: 65k
Net Worth: 55K
Kids: None
Dogs: One

#71 Tim on 08.29.16 at 6:58 pm

Age: 38
Household income: ~110k/yr
Household net worth: $850K
Married, 2 kids.
House: Owned, no mortgage.

#72 Eric on 08.29.16 at 6:58 pm

43, oil and gas professional (still employed), income $130,000, net worth $750,000, owner of a modest, won’t try the keep up with the Joneses, duplex, married with kids.

#73 Glen B on 08.29.16 at 6:59 pm

OK, here goes:
54, separated, NW = 350K (none of that in real estate), Inc = 72K, Renting. Waiting patiently on the sidelines for:
a) The s**t to hit the economic fan.
b) Real estate to correct.
c) Smokey’s next chapter.

#74 JJ on 08.29.16 at 7:00 pm

Age: 39
Income: ~ 360K (household – dual income)
Net Worth: ~ 3.5M (lucky timing on home purchase helps)
2 Kids (Building RESPs – 20% first year return on 2.5K/kid is guaranteed, after all)

Grateful for both the incisive thoughts and the snark in which you seed them, Garth!

#75 Long Branch Apprentice on 08.29.16 at 7:00 pm

Wanted: Semi-geriatric Boomer with a penchant for swearing, drinking and smoking to guide a blue collar 32 yr old cid gendered straight white male to the mythical land of the 1%. I can read a measuring tape and I’m not afraid of taking on smart risk.

Garth, I stopped by Belfountain today with my dog, we both needed to piss and have something to eat. Love your spot, the McMuffin I ordered tasted as good as home made. You should really put a gender neutral porto-potty in the back corner. Some one might get killed crossing the road to use the shitter and then sue you. Great little spot though, the redhead behind the counter was really friendly.

You pick out the decor yourself?

#76 Meaganopolous on 08.29.16 at 7:00 pm

Age: 32
Married: Yes, at 31
Household Income: 55k
House: No, we rent for 1650/mo
Kids: No, 3 cats
Savings/Investments: 30k (Debt free)
Occupation: Cartographer (unemployed), Drafter (husband)

Love the blog!

#77 Michael on 08.29.16 at 7:00 pm

Income – $24000
Age – 74
Net worth – $1000

Eat, drink and live a comfortable life doing the things I want.

#78 not 1st on 08.29.16 at 7:01 pm

Age: 47
Sex: M
Married, 3 kids
Occupation: retired engineer, active farmer/investor
Income: variable
Net Worth: $3.5M (home + 1200 ac farmland + ETFs)
Work Schedule: May and August, rest of year off

#79 Daily Reader, Occasional Poster on 08.29.16 at 7:02 pm

Family Ages: 64 62
Family income: $220k
No debt or mortgage
Home: $1.7/8m
Investments: $1.6m
Provincial DB Pension $1m
Tech Industry DB Pension $960k

#80 keepingyallhonest on 08.29.16 at 7:03 pm

Age: 32
Sex: Male
Income: $290,000
Wife Income: $100,000
Industries: Investment Advisor with a Broker Dealer and wife is in pharma
Net Worth: $1.15MM liquid assets
Renting a house in Toronto for $3,000 a month and happily watching from the sidelines

#81 R.D on 08.29.16 at 7:03 pm

Age: 33, Male, Married
Income: $135,000
Net Worth: $550,000
Shelter: Renting a $750,000 house for $1800/mo
Job: Supply Chain Mgt, Oil & Gas (for now)

#82 db on 08.29.16 at 7:03 pm

Age 59 married
retired at 51 + 53
house paid
db pension pays for everything so far
>1 mil not including pension

#83 Erick on 08.29.16 at 7:04 pm

Age: 48
Income: $80,000
Net Worth: $450,000

Single, I rent

#84 RetiredinBC on 08.29.16 at 7:04 pm

Ages 63 and 68 – married 42 years
Net worth 1.6 million
Pension income 46,000.
Investment yearly income about 40,000.

Favourite advisor – Garth

#85 Melbelle on 08.29.16 at 7:04 pm

Age: 29
Married female no kids
Income: 59k
Household: 130k
Net worth: ~90k

#86 Cheese on 08.29.16 at 7:05 pm

Married with no kids (yet).
Household income $200K
Household net worth $300K
Rent 1 br downtown
Want to buy but only if it isn’t a burden
3 cats

#87 Life among the Stars on 08.29.16 at 7:05 pm

Like Wiener and Trump.. above average.. natch.

Always figured this blog tended to preach to the choir.. confirmed.

Now in far more important news…

Man killed by the fungi growing in his bagpipes…


#88 blogdog123 on 08.29.16 at 7:05 pm

$100k/yr; spouse $68k/yr;
spouse with DB plan+65k SD-RRSP; 15k SD-TFSA
$72k SD-RESP
$370k RRSPs(70% SD-RRSP; 30% Group plan); $10k SD-TFSA
$800k house; have a $95k on a HELOC (2yrs left); no mortgage; no other debts
45 y/o elec eng; 41 y/o spouse tech; 2 cars
2 kids 10,8 y/o
Thanks Garth for the funny text and great stories…

#89 JaneDoe on 08.29.16 at 7:05 pm

47 / Single / Female / No kids
$70K assets (balanced, diversified)
$0 Debt
Rent in Van

I’m special because I just made everyone on here feel like financial rockstars compared to me.
You’re welcome.

#90 Westcoast Woman on 08.29.16 at 7:06 pm

Female, age 49. Married 22 years. Husband, age 51.
One grown-up daughter living on her own.
Three motorcycles, two rescue cats, one fish, no car.
Household income ~$170,000. 2 DB pensions (lucked out).
Own one small condo, just sold the “investment” one – small mortgage left on the we’re living in.
Net worth: healthy.
Health: We work on it daily! Without health wealth is lacklustre. But wealth helps with the health.

#91 Flat Broke on 08.29.16 at 7:06 pm

Sex: Male
Age: 60
Net worth: Sweet Dick
Income: CPP
Debt: 0
Pension: 0
Rent a basement suite
Marriage Status: Divorced
Work: If I can find it
$250,000 capital loss.

Was worth $400,000 16 years ago including 2 houses I owned

#92 The Dood on 08.29.16 at 7:07 pm

Age 52:
Income: 90k individual / 125K household
Net worth: 250K
Married, 2 kids, renters and staying that way. There is no way we’re sinking dollars into real estate in this country! Everything is WAY, WAY overpriced – even with a 30 or 40% correction.

Worked tax free overseas for a dozen years, saved a bundle, moved back to Canada and lost it all in a failed business venture several years back. Have been in recovery mode since. Watching every penny and saving and investing like mad to ensure the kids get an education and don’t have to start their lives with a mountain of debt. This means I’m more or less on the freedom 100 plan.

Wife works and is taking part-time accounting degree online. Keeping our fingers crossed the investment (time and money) pans out in a few years. She’s 40 so has a little more time on her side than do I.

Is going to be an uphill battle for us but no choice. Am not entirely sure we’ll retire in Canada (probably not). There are better, cheaper options with year round sunshine.

#93 Matsebula on 08.29.16 at 7:07 pm

Okay, I’ll bite.

Age: 39
Net Worth: $400k
Married, 4 children
Earnings: $140k incl bonuses, shares
Education: B.Sc, MBA
Employment: midstream oil & gas, supply chain

Had a slow start but am catching up and learning as I go.

#94 Idgy on 08.29.16 at 7:07 pm

Age: 47
Gender: female
Family income:250k
Family net worth ~900k
Own home (downsized from Mcmansion after reading Greater Fool a few years back)
No debt
Married 20+ years, 2 teenagers
Project manager and consultant

#95 Jason on 08.29.16 at 7:10 pm

Age 44 Married 2 Children Income 250K net worth 2MM. Real estate own home and 57 Apartments. Profession Landlord and Mailman.

#96 Love this Blog on 08.29.16 at 7:10 pm

Male, 49
Income :110,000
Net worth 250,000

#97 Henry Simpson on 08.29.16 at 7:11 pm

Our family net worth is $25,000,000. We have 14 auto shops and have been in business since 1932.

Our family net income is $2,300,000 a year.

#98 Pj on 08.29.16 at 7:11 pm

Single (twice divorced)
~200k (doubled in past 5 years)
Renter (currently trying to sell a rental and a cottage
$170k invested (up from $0 after last divorce 5 years ago)
$200k in property equity
Trying hard to rebuild

#99 JGL on 08.29.16 at 7:12 pm

26 years old
$65,000 income
$62,000 net worth (no debt) (+1 year of contributions to federal pension plan)
Federal government worker

#100 HVACR on 08.29.16 at 7:13 pm

Long time blog and Garth in the newspaper reader. Male . Refrigeration technician Age 54 Married 28 years Average annual income for both of us $150,000. Investments $540,000. Paid for house $450,000. Investment loan for commercial property $120,000. LOC $60,000. Two cats. Sorry about that one Garth

#101 baddog on 08.29.16 at 7:13 pm

Age 48 Wife 43
Married 3 kids
$120 household income
Own home plus 2 rental houses with good cash flow
$400 in pension and tfsa
20% equity in each rental house ( plan on buying more. love landlording)
Maybe 140 k left on my mortgage

#102 Vancouverless on 08.29.16 at 7:14 pm

Age: 30

Sex: XY

Liquid asset networth: $250k- diversified, growth focused, but some stupidly in mutual funds for now. Working on changing that ASAP.

Profession: PhD level scientist in the life sciences

Rent/Own: Rent cheaply a non-mouldy basement from generous landlords (rich boomers who just want someone to look after the house while they do the Palm Desert thing in the winter.)

Current income: $45k/year. Going up to $70k/year next year.

Marital Status: Unmarried but with some awesome women in my life.

Vehicle: Small displacement motorcycle or a beat up Honda Civic. Each worth less than an average hipster’s MacBook Pro.

#103 In a few years on 08.29.16 at 7:16 pm

Sure will be interesting to have all of these homeowners that posted here come back in a few years and update their house equity positions….

Some of the bragging might be a little more muted.

#104 Kelowna Bound on 08.29.16 at 7:16 pm

Age: 42, 39
Sex: male, female
Profession: tech, medical
Income (pre-tax): $50k (part time), $350k
Household Net Worth: $600k (DB pension + house, TFSA, RRSP)
Status: Married, 2 kids, homeowners (350 equity, 500 owing). No plans to move ever.

Living in Kelowna since 2010, paying off the house by the time kids hit college in 12 more years.

#105 Maximus on 08.29.16 at 7:16 pm

Age: 49
Household Income: 190K
Net Worth: $1.5 M (r.e ~ 800K, balanced portfolio equities & f.i ~700K)
Own home
Debt: $0
Happily married for 20 yrs.
2 kids

#106 anone on 08.29.16 at 7:17 pm

Basement dweller
Mom’s house
NW 250k

Loving life

#107 active on 08.29.16 at 7:17 pm

32 years old
$72K income
net worth: $480K
DB pension valued at ~$48K
no debts
no real estate

#108 J on 08.29.16 at 7:19 pm

Female, age 47, married
Gross income $200k
Net worth $1.4 million ($400k in home)
Management (her) and tradesman (him)

#109 Blue and purple on 08.29.16 at 7:19 pm

Age: myself 27 wife 29
Married no kids
Combined income 200000
Net worth 150000
0 debt
Rent for 1500 in gta
Airline pilot

#110 moses and bella on 08.29.16 at 7:20 pm

married investments 100k family income 70k net worth 600k retired govt db pension sorry folks 0 kids two beautiful dogs one who will sadly be put down this week nothing better to do at 6pm. Thanks Garth

#111 Braap on 08.29.16 at 7:20 pm

Age :43
White Male
Income :100k
Net Worth : 750k until the divorce and lawyers – now 300k with $2600 support payments
500k House – was paid off – now 150k owing (%#$-FM)
2 kids
Never Marry a Millennial – SOB

#112 Anon on 08.29.16 at 7:21 pm

Age: 61
Sex: Male
Profession: Just retired (before: Eng., Mgmnt., Academia)
Income: $110 K (lower after retirement, net over $3K/mo)
Condo/Savings/Pension Funds etc. about $2.1 MM
EU now, return to YVR in a few years – why int. in RE there
Love the blog and now time to read it > 3.5 minutes

#113 Anon on 08.29.16 at 7:21 pm

Age: 35
Income 160K (Wife 80K)
Net worth 250K (Household 380K)
No house/no debt/no kids.

#114 Brett in Calgary on 08.29.16 at 7:21 pm

Age: 36
Income: 80k was 120k but just had kid so wife is off
Assets: $225k all liquid
Debt: $0

Both my wife and I are scientists, which might sound like a good gig, but really it isn’t from a job security standpoint. Between the two of us we have 6 university degrees. Not proud of them, should have bailed at the masters! FYI, don’t let your kids go into medical research, it’s a distant second place to medicine.

#115 Vancouver owner on 08.29.16 at 7:22 pm

Age: 34
Gender: male
Family income: 150k
Family net worth ~600k
Own home
Married , 1 kid
Business owner

#116 Irish Stew on 08.29.16 at 7:22 pm

Age: 41, married. Spouse: 39
Children: 2 (both below age 12)
Income: $430,000 dual income
Occupation: Sales
Sector: public

Home: $250K
RESP: $50K
Cash: $50K
Cars: two @ $100K total


#117 NoName on 08.29.16 at 7:22 pm

oh the horror, i cant lie

Networth in order of importance.
2 beautifully children.
My wife is smoking hot, cooks, cleans, doenst complain and makes 100k, i am fat ugly bustard who brings other 100k to house hold.
According to my handy dandy spredshit we have midiocre networth of 422k.

our house aprishiated $#!7, i will newer be realestate mogul… sad sigh

#118 Mike on 08.29.16 at 7:22 pm

Age 35
Income: $109,000, wife $62,000, $15,000 rev from rental
Engineer with mba
Assets:$ 1.1 mil
Net worth: $525 K

Normally don’t post.

#119 MunEcon on 08.29.16 at 7:24 pm

No rent no house. Sucking on mold in the basement.
Age: 31
Job: 50 K CPA
Married: 2 Kids under 4
Net worth: -25K

Add a little failure to the boosting.

#120 Anon too on 08.29.16 at 7:26 pm

Male Married
1 Child
Me: Fed Government IT 97,000
Wife: 200,000 plus bonus up to 100,000
Net worth: ~ 1.15 million (500k pension so far, 100k investments, 500k house ottawa, 50k muscle car :D )
We also rent an apartment in Toronto
1 Child

#121 JRH on 08.29.16 at 7:26 pm

Age~ 30
Household income ~ 175k
Household net worth ~ 600k
Liabilities~ 150k(mortgage)
Married, two children.

#122 that happy old guy on 08.29.16 at 7:27 pm

Age: 63, spouse 50
Income: $60k
balanced portfolio: $700k, TFSA’s both full
debt: $0
house: ~$500k (no mortgage)
life’s good, all the money we need to live the life we want, thanks to listening to good advice. Thank you Garth!

#123 Nubian Queen on 08.29.16 at 7:27 pm

Age: 54
Gender: Female
Status: Divorced
Income: 70K
Net Worth: approx. $900k
0 Debt
Pension: Defined Benefit

Manage my own portfolio and love doing so. Still enjoy reading and learning from your blog Garth. Tks

#124 John Rebus on 08.29.16 at 7:27 pm

Age: 34
Common Law
Squamish BC
Household income: ~150,000 (130,000 is me)
Exploration geologist (gold, medium sized TSX mining company) since 2011. Treeplanter previously.
Net worth: 280,000 debt free. Up from negative 3,000 in mid 2011
70% cash in maxed RRSP & TFSA – know I should invest it now but natural pessimist and can`t shake feeling of impending buying opportunity

#125 David on 08.29.16 at 7:28 pm

Age: 71
Income: $125,000 a year after tax
Net worth: $4 million
Own a condo worth around $800,000.
I’ve been lucky, and knowing when to stop or quit was key.

#126 TS on 08.29.16 at 7:28 pm

37 years old male in Ottawa

190,000 family income (95000 each) with wife and both employed by various levels of government


#127 jimmy on 08.29.16 at 7:28 pm

male 53
net worth:250k
DB pension

#128 Anon today on 08.29.16 at 7:29 pm

Age: 54
Sex: Male
Income: ~140,000 CAD
Freelance business IT stuff
Net worth: ~500,000 CAD
Children: 2
Currently renting

Married: Err, not quite, other half does not speak to me any more (see renting). She also thinks we will become rich by buying a house we can’t afford.

Living in UK, would like to go home to Toronto, but not until I can afford it.

More of a cat person, but would consider a dog after years of brainwashing by Garth.

#129 paulo on 08.29.16 at 7:29 pm

57 /single/male/2 independent adult kids
725k assets plus small retirement spot in Spain paid for
with ongoing expenses covered by rent receipts.
0 Debt
rent in ontario

#130 GS in T.O on 08.29.16 at 7:29 pm

He Garth. Love your blog and have been reading it for just about a year now……daily.
Age 57. Married, same woman 36 years. 3 kids.
Family income of ~225K (we both work)
House in the burbs and a lakefront townhouse on Lake Simcoe.
400K in a diversified mutual fund mix (DC pension)
~600 equity between the two places. Travel and spend, hence the house as an ATM. But, a Jag, Porsche and Mercedes; paid for! Plus a great speed boat, also paid ( you only live once).
Non-racist (thanks Mom and Dad).
Need to grow up and definitely need financial advice

#131 Anonymous on 08.29.16 at 7:30 pm

Age: 38
Gender: Male, Married
Family Income: $135,000
Family Net Worth: $571,000 (33% in housing)

#132 Rhyti-peniaphobic fool on 08.29.16 at 7:31 pm

Age: 49
Status: Married with 3 kids
Occupation: public (Government of Alberta)
Combined income: 150K
Savings: 150K (TFSA Maxed, RRSP and savings account) + DB pension
Housing: Rent, 1700/month
Liabilities: Car loan 20k (not a KIA), 2 wheeled toy 5K, other 20K

#133 Tyler on 08.29.16 at 7:31 pm

Gender: Male
Age: 25
Personal Income: $27k/yr
Personal Net Worth: $14k
Non-married but stable/mature relationship
Shipper/Receiver + Jack of All @ small recycling facility

Like many, slow start to financial literacy but catching on and learning. Glad to have a handful of reliable financial resources at my fingertips.

Rock on, Garth.

#134 Baron David Rothschild on 08.29.16 at 7:31 pm

Age: 73
Married: Yes
Children: 4
Occupation: Controller, Global domination, NWO
Assets: 5.5 continents, working to destroy Russia, China and Iran. Not interested in Antarctica. (save for the Eskimos)
Net Worth: 100 Trillion
Income: Zero, i pay no taxes
Banking: Owner of all western central banks except for Russia, China, Iran, Syria, Cuba and Venezuela which will soon fall into place one my military forces (USA and NATO) complete their objectives.

#135 ertw on 08.29.16 at 7:32 pm

Age: 32, M
Income: 260k
Assets: 650k, all invested

Life: married, two kids, renting in GVA. Career is in Engineering. Just my income for the family, although her job is harder.

#136 Anon on 08.29.16 at 7:32 pm

I wonder how many commenters above remembered to subtract their current mortgage balance from their “equity”?

Age: 31
Income: 71k
Job: software dev
Status: married, 1 kid
Net Worth: ~$200k (~$110k liquid)

#137 Über loving Millenial on 08.29.16 at 7:32 pm

Age: 33
Gender: Male
Income: 195K (160 + 35K wife works p/t)
Net Worth: 500K
Work in IT Consulting
1 kid in daycare (so much for saving…)
Live in a Toronto condo (own but with equity it’s cheaper than rent). Waiting for the big crash to upgrade the abode.

#138 Ray Skunk on 08.29.16 at 7:32 pm

Me/Mrs Skunk: 37/33
Salary: $200k/$80k
Net worth: $430k (liquid)/DB Pension
Zero debt, zero kids

Happily renting for the princely sum of 6.4% of our gross income.
Four passports, three degrees and eager to abandon Ontario as soon as the opportunity presents itself.

#139 I Don't Believe You on 08.29.16 at 7:32 pm

I honestly don’t believe the incomes or net worths of 97% of the people commenting..

Ps. Love the blog, millennial from the 604, long time reader, 1st time poster.

#140 Ronaldo on 08.29.16 at 7:32 pm

Myself 70, wife 68 retired in 2000. Net worth 1.6 mil includes our home. Pension and other income $120,000. We have far more than we need. Lots of wonderful friends and family including 4 grandchildren that we enjoy tremendously. We are in excellent health and that is worth more than any amount of money. We enjoy climbing the mountain tops in BC, Alberta, Washington and Switzerland and more recently Peru. Life is good. Appreciate every day on this earth.

#141 Black sheep on 08.29.16 at 7:34 pm

Why are you ignoring black guys:
“…angry old Boomer white guy, xenophobes, bullion-lickers, guns-&-God cowboys and Vespa-riding, bearded and financially illiterate latte-sucking metrosexuals. Which seems about right.”

#142 Kootenay Hippies on 08.29.16 at 7:34 pm

2 @ 37
Income $220k
Net Worth $600k
Drinking red wine in France

#143 john prime on 08.29.16 at 7:34 pm

Age. 65, male
Combined income around $125,000
Net worth around $900,000 +-
Zero debt
Yes, own and like owning a home
2 grown kids that still cost at times

#144 crazed and a little confused on 08.29.16 at 7:34 pm

45 yrs old
income : 54 k
net worth 360k approx. tfsa, rrsp, invest
no house
university admin

#145 jimbo on 08.29.16 at 7:35 pm

age 68
retired but driving truck for potato harvest.love it.
DB plan.
married. family income 100,000.
own home.no debt.
investments 1.5 m.about 2/3 gic .rest in mutual funds.
tsfa fully funded.max rrsp and waiting til age 72.
Oh yeah ….apple pie for desert.!

#146 TS on 08.29.16 at 7:36 pm

37 male Ottawa
Wife and two kids
195000 income with two DB pensions
165000 in investments (100,000 in TFSAs)
650,000 net worth with pension pay outs
85000 mortgage left on a 265,000 home bought
in 2010 (not moving)

All that and I married an Amazon beauty who doesn’t care that we live in a row house with no ensuite

Living the dream!

#147 Anon from KL on 08.29.16 at 7:37 pm

Age: 29
Gender: Male
Net Worth: $20,000 ballpark
Profession: Mine Accountant (since May) Before: Fast Food Manager
Marital Status: Single
House Status: Renter
Reason for reading this blog: Sex life dormant, dogs are great, life more pathetic than this blog

#148 millenial contrarian on 08.29.16 at 7:37 pm

Female age 30.
Married with one more on the way, OT and Pharmacist
Family income: $ 180 000
Net worth: $440 000, all liquid ETFs, zero debt
Want to buy a house eventually, but refuse to be a sucker to the crazy market right now….. have learned a lot from this blog, thanks Garth:)

#149 td on 08.29.16 at 7:37 pm

Single, no kids
~75k annual
~100k net worth in tfsa, rrsp
Public accountant

#150 dropKick on 08.29.16 at 7:37 pm

NW: ~ 300k in a lopsided portfolio
Engineer, not married, and have rented for 5 years

#151 DanielThomas on 08.29.16 at 7:38 pm

Age: 49
income: $86k + 6% Employer fed Group RRSP
IT Analyst – employee of private company.
Rent: $1425/month – 3 bedroom top level house in Victoria…no that is not a lie.
2 Adult (by age) children
Networth 90k (did i mention divorced?)
No debt

#152 Constellation on 08.29.16 at 7:38 pm

Age: 36
Gender: Male
Income: $90k
Net Worth: $130k

Single, rent, web designer/project manager, finished school (university and college) at 30 with big debt, debt-free now.

#153 WallOfWorry on 08.29.16 at 7:39 pm

Age: 49
Sex: M
Separated, 2 kids
Occupation: Business Development
Income: $235 K
Net Worth: $2.4M
Home: Own with small mortgage

#154 Burt on 08.29.16 at 7:40 pm

Yearly income ~170
Married-wife income ~40
Net worth ~290

#155 Keeping it Real on 08.29.16 at 7:40 pm

Age: 40 but hot wife aged 30
Combined Income: 200k
Kids: 2
No house but renting: allowed the wife to take a few years off of work to raise the kids (lived on average of 85k for the last 10 years)
Networth: 655K

#156 the Awakened One on 08.29.16 at 7:40 pm

Woof Woof !
Age 37 / Asian male / single / no kid / looking for wife (or maybe not, considering a 50% portfolio loss at divorce!)
Currently sponsoring a Lab for Guide Dog of BC & AB.
Income: $90+ K, No debt
Worth: ~ $ 195 K (65/35 diversified split,
& TFSA maxed out)
Rent an ant box in Delusia, drive a 91 ls400
Bought a townhouse in 2009, sold at 7K loss after enlightenment.

#157 waiting on the westcoast on 08.29.16 at 7:41 pm

Did this last time so leverage an intern to pull up the stats… ;-)

Still married (or bearing the yoke as my much smarter significant other would say), still buying businesses, still renting (albeit soon on foreign soil), and still read and chirp this blog. Oh and still amazed at a gutless Fed / househorney populace who are setting this up for the greatest equity retreat in Vancouver history…

Thanks for putting in the effort to keep this going… Not sure how you rationalize it… ;-)

#158 anonymous on 08.29.16 at 7:41 pm

Age: 40 years young
Gender: Female
Family Income: well over the average. Blessed to be employed full time
Family net worth: I stopped counting. I have good advisors that I pay to know my net worth..besides, I’m a bit shy to disclose!
Own home: Sold it in the winter! Renting at a cheap price
Married: Happily for 7 years, with two beautiful girls
No debt
Husband is a Chartered Accountant and is getting an exec. MBA as well
I’m a school teacher and we both have DB Pensions along with other investments

Waiting on the sidelines to get back into real estate market in the GTA.

#159 Keith in Calgary on 08.29.16 at 7:41 pm

I in the 1%……..barely.

#160 Carlyle on 08.29.16 at 7:42 pm

Age: 40
Gender: Male
Married no kids
Employment: Government Worker Full Time (front line)/Registered Nurse (part time)
Family Income: 110K
Net Worth: 25k
Two DBPP’s (combined total service 8 years) – should have 30 years combined at retirement.
Education: College Diploma

I just landed the gov job which is a part of the reason why net worth is so low. Plus paying off debt

#161 Anon from KL on 08.29.16 at 7:43 pm

Forgot Salary: 59,000, DC plan with employer matching and share purchase plan with employer matching 75% of contributions

#162 Anon7 on 08.29.16 at 7:43 pm

44 , married 19 years
2 teens
Family Income 180K
Networth just over 1M ( 55% savings, 45%house equity)
not including smallish DB pension

I feel poor most days. Even more so now.

#163 Garth's Favourite Amazon on 08.29.16 at 7:43 pm

41 yo SWF
Income $117 k
Public sector engineer
Net worth: difficult to estimate FV of DB public sector pension, but total contributions to date have been about $120 k
Only $13 k net worth outside DB pension, because I’m just not that good at saving…
Rent in central TO for $1325/mo
No car, BTW

#164 Gerri on 08.29.16 at 7:43 pm

58 & 62
70,000 income, both semi-retired
1,300,000 in investments
750,000 in farmland
300,000 home
65,000 in bank accounts

No debts, no loans, no mortgages!

#165 Beetee on 08.29.16 at 7:44 pm

Age: 40 (spouse 33)
Kids: 2
Household income: $450k ($130k from investments)
Net worth: $2.2m
YVR renter
Both accountants

#166 Jonathan on 08.29.16 at 7:44 pm

25 male, with 25yo wife, no kids, great sex life, and one adorable cat.

~$40,000 total income both work at cafe/bakeries. Studying accounting to “get a real job”. Last year was a lot less though due to relocating and enjoying a few months of unemployment (funded by a nice emergency fund).

~$10,000 in TFSA in TD e-series equity funds, 33% in U.S. Canada and Intl each. Maybe $1,000 left of student debt? $3,000-4,000 cash safety net.
Total of $12-13,000 NW.

Goal is to max out TFSAs ASAP, then RRSP (when income is high) and build significant wealth in portfolio before even considering a dumb house. No interest in cars or other status symbol bullshit peddled by the self-destructive financially inept masses. 30-40% savings rate, we mostly live on one income in a rented 1b apartment $900/m. Only got serious about building wealth about a year ago, payed off debts first. Quickly learned that buying a house is NOT the way to do it when index funds and TFSA exist. When I am able to earn more income the savings rate will go up and lifestyle will likely not change much because we are happy without blowing our money senselessly. Why not build independent wealth and enjoy life instead of knowingly forcing yourself to work whatever crappy job you have until your age is higher than your sperm count?

#167 common sense on 08.29.16 at 7:44 pm

NW: $650,000
Single, 1 child 17 RESP maxed.
INCOME 2016 EST Self Employed $30K
Dual citizen, OAP and SSI from USA, tiny CPP due.
No debt, House 32% NW
Age 55

#168 james on 08.29.16 at 7:45 pm

Sheesh, some high rollers here.

Age: 40. Wife: 28.
My income: ~370k CDN, paid in USD and variable.
Wife’s income: ~60k CDN.
Dogs’ income: 0 (not team players)
Kids: soon.
Dogs: 2 big ones.
House: yes, in USA.
Education: too much.
Net worth: $700k. (2 failed startups)
Profession: computer science (me), graphic design (wife)

#169 Ogopogo on 08.29.16 at 7:45 pm

Gender: Male
Age: 41
Household Income: $140,000
Networth: $525,000 (special thanks to Garth, Millionaire Teacher, Couch Potato guy, Mr. Money Mustache)
Marital Status: Married
Housing Status: Proud Renter with a Munificent Landlord (PRML)

We recently celebrated crossing the half-mil mark, which of course is peanuts to the more affluent blog dogs. To us, however, it means everything since we come from humble backgrounds and financially illiterate parents. We now save and invest around 60% of our take-home income.

#170 will on 08.29.16 at 7:45 pm

Age: 58
Household income: ~54k
Single male
NW (rrsp, lira, tfsa, margin acct) 430k
Education: lots
Debt: zero
No real estate except for reits and a property mgmt company
No dog but would like to have one.
DIY, no advisor.

#171 pinstripe on 08.29.16 at 7:45 pm

Age: Geezer pushing 90. Wifie a tad younger and she is the smart one in the household.
Income: average about $100000.00 per year.
own house in town.
several years ago net worth was a lot. today a lot less.
our kids are retired.
farmer for 50 years.

#172 rainclouds on 08.29.16 at 7:46 pm

58. retired. Living in Vandelusional
Common law
Combined income 110k ( pension/salary)
1.7 Million assets ( balanced/ diversified 60/40 )
0 debt

#173 MD on 08.29.16 at 7:46 pm

Married Male (2nd marriage) 56
Combined Income 140k
Net worth just south of 1M (includes home, fully paid)

Small car loan is only debt on the books

Would like to retire in a few years, but audio is my hobby and damn it’s expensive

#174 A Non Mouse on 08.29.16 at 7:46 pm

45M married
Income $675,000
Net Worth $6.4 million (90% liquid)
Home owner. No mortgage.

#175 Lee on 08.29.16 at 7:46 pm

Age: 28
Gender: Male
Family Income: 130k
Investments: 40k
375k house, 300k remaining
Oilfield Tool Design

I have been reading for about a year now with great interest. Definitely wish I had started reading earlier. Hoping to start investing in a balanced portfolio soon.

#176 VanMan on 08.29.16 at 7:47 pm

Age: 37
Gender: Male
Income: $130k
Net Worth: $250K
Common Law with 1 kid.
Rent in Vancouver

#177 Gramps on 08.29.16 at 7:48 pm

Married 36 yrs
House $350,000 paid off
Roughly 1 million in investments combined
Income $80000

#178 VanMan on 08.29.16 at 7:49 pm

I second Anonymous’ post… good luck tallying this up, but I appreciate the time you take to do this!

Sex: Male
Marital status: Married, kid on the way (Yikes!)
household income: ~ $130K
Debt: ~ $20K vehicle loan
Net worth: ~ $100K liquid
Job status: one of those Gov’t employees you spoke of yesterday with DB pension (both the Wife and I)

currently moldy basement dweller and happy to stay that way for now.

Garth, great post yesterday about pensions, BTW. Really like your posts when they touch more on the financial side of things.

#179 Lurker on 08.29.16 at 7:49 pm

46yr old male lurker….of the blog
Married, 2 kids
Income 400K
Net Worth 4M
Home 720K
Cottage 300K
No Mortgage

#180 Victor V on 08.29.16 at 7:49 pm

Ages: 46 and 35
Married with one child
Household income: 400k/year
Assets: Maxed RRSPs, RESP, TFSA + diversified non-registered portfolio
Work Pensions: DC w/ company match (5%)
Rent a $2M detached home in Toronto for $4K/month
No debt

#181 Not Special on 08.29.16 at 7:50 pm

Age: 60s (though some knees and teeth younger than that).
Married, house owners near downtown YVR.
Joint retirement income $56k.
Net worth $650 invested, $1.6 million house.
No pets, no cars, no debts, no kids.

#182 Sec on 08.29.16 at 7:51 pm

Female 33, boyfriend 34
Household income: 130k (70k self)
Household net worth: 205k (165k self) all liquid, maxed rrsps and tfsa with some in cash.
Renter in the GTA, waiting to see what story the housing market tells in 2 yrs time. Dreaming of a plot of grass, bricks and wood but this blog has kept me sane (for now)

#183 K.E. on 08.29.16 at 7:52 pm

29 yr old female
Government worker
Salary – $53k
Net worth – $80k no debts – renter
Recrntly engaged. He is in school – approx. $35k studrnt loans.

#184 James on 08.29.16 at 7:52 pm

Age: 33 Wife: 29

Household Income: 85k, some home equity, rest in TFSAs

Net Worth: 78k

Mortgage: 130k, house value 150k

Location: Southwestern Ontario

Jobs: Office admin in a small business and a restaurant manager

#185 Linda on 08.29.16 at 7:53 pm

Female, age 58, income 73K (mine), household income varies between 150k to 200k (spouse works contract). Estimated combined net worth w/o the (mortgage free) house, 1.4 million. No children. Married 31+ years to same partner.

#186 JJ on 08.29.16 at 7:54 pm

Age: 25
Male/Married/Kid on the way
Income: 92k (Household 132k)
Net worth: ~95k liquid investments (RRSP/TFSA/Stock)
Renting $1500/month
Software Developer

Haters gonna hate on renters IRL, but this blog has kept me sane despite overwhelming family/societal pressure to get into the real estate game. Thank you Garth, for your words of wisdom and encouraging people to keep their assets balanced. And providing lulz

#187 Heddok on 08.29.16 at 7:54 pm

61 yo wife 61 yo both retired 6 years
Income 120,000-140,000 depending on investment return
House 700,000
Investments 2.4M
Net worth 3.1M
no debt

#188 not 1st on 08.29.16 at 7:55 pm

Not a single 1 percenter in the group. People with millions in wealth still wont dump any of it in the stock market.

#189 Mean Gene on 08.29.16 at 7:55 pm

Age: 49
Income: $81,000
Net worth:$700,000 pension transfer value
Single never married
No debts.
Numerous worn out passports

#190 Young one on 08.29.16 at 7:55 pm

25 year old
$35,000 in assets ($30,000 TFSA, $1000 RRSP)
$288 in liabilities (Alberta speeding ticket)
$50,000/year income
Living in the prairies (not Alberta)
Agricultural technician

#191 Lots of millennials eh? on 08.29.16 at 7:56 pm

Female, age 27
Physiotherapy student
(Very) part-time job- about $2,000 a year, should make ~$70k when I graduate
Net worth ~$75k in the hole (student loan debt)

As for my SO:
Male, also 27
Net worth $30k
Makes about $80k

We rent in Toronto for $1,650 per month plus hydro

#192 Brian on 08.29.16 at 7:57 pm

Age: 40
Household income: ~230k/yr
Household net worth: 340k
Married, 2 kids.
Rent our house.

#193 PGer on 08.29.16 at 7:57 pm

Age: 57
Income (around 80,000, not including investment income).
Net Worth: (the wife and I) 1.5 mill, with pensions about 2.3
Own House (25% of net worth) , rest in investments and cash.
No debt.
Enjoy travel and wine – especially France.

#194 604renter on 08.29.16 at 7:57 pm

Age 50
Income 350 000
Net worth 1 300 000
We rent
Would like to own but live in Vancouver and we arent stupid. The writing is on the wall now
Married 10 years
2 furry 4 legged children

#195 ShawnG in TO on 08.29.16 at 7:58 pm

41 male
had 82k a year gross job, but it was a gross job
+22k from investments
nw = 2,132,367.38 as of friday
not including 10 yr old car, or the pathetic pension

i’m live below my means, just like The Greater Cauliflower, so i can’t claim i’m uniq

rent, of course, because a house is a major expense

#196 Bross on 08.29.16 at 8:00 pm

Greetings from Ottawa Garth. Miss it? (don’t answer that).
47 yr. old Male Senior Business Analyst at Fed. Agency, $92k year, net worth $165k, bought lovely bung. two years ago. Moved from downtown TO, five years ago as the thought of spending twice as much as we spent on a house with no parking and half the space seemed completely insane. Do TO downtowners realize that moving from the city is also a realistic option to taking on crazy debt levels?

#197 Millennial #5788658 on 08.29.16 at 8:00 pm

29 (daily reader, lurk comments but stay out)
$55k/ yr, DB
Closing in on $200k across registered and non registered accounts (preferreds dragging me down)
plus commuted value of around $25-30k
Rent (moved between different provinces and cities 7 times for work and fun)
Marry me?
Aside from worshipping GT, religious about MMM, ERE, and FIRE!

#198 Smoking Man on 08.29.16 at 8:02 pm

#53 Tuxedo on 08.29.16 at 6:49 pm
Age: 27
Combined income: $160,000
Net worth: $500,000+
Government employees

And I challenge Smoking Man to tell the truth after reading his endless drivel on this blog for a looonnnggg time.

I’m not sure the world is ready for full disclosure.
What the hell.

I have a mansion on Nictonite, it’s located on Lake Orgasmatron. My x wife Debbie divorced me and took all. The pool boy took up residence. That was 50 years ago

I’m paid as star ship pilot. 500 Nicto-Notes a year. Don’t should like much but we still have gold standard back home.

On Earth.
Currently I reside in a small bungalow in Shlong Branch. Re mortgage it every year. And funnel off the proceeds to an un named Island.. Where Nictonites are considered friends, no phyco lefties who are scheaming 24/7 on how to take every last dime you have.

Trading activities, can’t say. Text Encryption business, can say. Sales are mostly to off shore entitys. Non disclosure agreements.

Consulting income after expenses, Just enough to pay the bills and minimum taxes.

Have a pick up truck with a cracked windshield roll down windows, broken air conditioning. Worth 2k

I have a boat, but it’s not in my name. It’s a lowner.
Have a new renovated cottage in Maskoka, with a partner. Again, it’s a hand shake. Nothing in my name.

All the shit I say on here, it’s only a matter of time before the communist come knocking down my door.

Been preparing for 2 years now.

I know Wynee and T2 are coming for my wallet soon. Too bad it’s empty…

There you have it…

And remember I’m a big lier and talented fiction writer.

#199 NoName on 08.29.16 at 8:02 pm

#4 Anonymous on 08.29.16 at 6:25 pm

don’t you worry about that, no woting tools allowed, it will be another blogger who will tally all up and write a blog post about all this in a day or two.

#200 JB on 08.29.16 at 8:02 pm

Age – 34
Income – $250k
Net Worth – $650k
Engineer, married, 3 young kids.
Still a second-class citizen. (Renter)

#201 jimmyd on 08.29.16 at 8:02 pm

Age: 36
Income: 83k (Family 159k)
Net worth: ~220k
No house (cheap rent)

Had some hardships but trying to get stuff back on track!

#202 B.O.B. on 08.29.16 at 8:03 pm

Age : 36
Income : 90K
Net Worth : 200K

#203 thanks on 08.29.16 at 8:03 pm

Male; Age: 40
Household income: ~300k/yr
Household net worth: ~$850K
No mortgage
Common Law, 2 children.

#204 Anon on 08.29.16 at 8:04 pm

Gender: Male
Age: 32
Income: ~90k/yr, single income
Net Worth: ~100k

Computer System Engineer

#205 Kelvoden on 08.29.16 at 8:04 pm

Net worth not including house…..$1.3M
House no mortgage

#206 jon on 08.29.16 at 8:05 pm

Age: 42
Income (family): 150000
Net Worth: (family) $950000

Married 3 kids. NDT technican

#207 Vanrentor on 08.29.16 at 8:05 pm

Age 49
Married w kids in university
Household income $600K
Net worth $8,000,000 of which $2M is cash, $1M RRSP/TFSA, $2M commercial property, $2M company value, plus small vacation property
Owner of a service business in BC, semi retired
Just sold our house and I started trolling here to help me invest the cash.

Love the blog.

#208 JakeR on 08.29.16 at 8:05 pm

Age: 36
Income: ~$47,000
Net worth: ~$30,000, but without the pension plan.
Increasing net worth by about $600 per month through investing.

#209 Wallie on 08.29.16 at 8:06 pm

Age: 30/30
Status: Married, 2 kids
Income: $100k/$45k
Net worth: $786k
Profession: Engineer/Researcher
Housing: Renting in Vancouver

#210 Popeye The Sailor Man on 08.29.16 at 8:06 pm

Age 48, Spouse 46, 2 kids

Marine Engineer; 104K (single income)

Gone from 40k to 100k in last 12 years by getting better qualifications.

Investable assets; almost a 1%er plus a Canadian Avg. House 85% paid off.

Commuted DBP and started new DBP.

#211 Bobs ur uncle on 08.29.16 at 8:07 pm

The only time you look in your neighbor’s bowl is to make sure that they have enough. You don’t look in your neighbor’s bowl to see if you have as much as them. — Louis CK

Glad to see most of you have plenty in your bowls.

#212 Miss Liz on 08.29.16 at 8:08 pm

Age: 32 (married 2yrs)
Income: 73K (household: 138K)
NW (combined): 210K
Renting in Toronto ($1650)
No kids, 2 cats
Design professionals

#213 Keen Reader on 08.29.16 at 8:09 pm

50 YOM
Married, no kids, renting
Pensioned but new job for fun ;o)

#214 Cam on 08.29.16 at 8:12 pm

Cam is 65, retired, wife 57 retired, net worth 1 million,
Real estate $575, 000, house & rec property, Calgary.remainder in GIC’s, income $2500/mo. Truck & tractor $70, 000 debt @0%

#215 JB on 08.29.16 at 8:14 pm

Age: 30
Status: Married
Income: 110 K w/ household total ~400k
Net Worth: approx. $250k, ~140k invested, ~100K cash depreciating in the bank
Renter in lower mainland
0 Debt
Pension: 1 x Defined Benefit
Dependents: 1 dog, no kids yet, possibly poorly invested, retired parents in the next few years

#216 OffshoreObserver on 08.29.16 at 8:14 pm

Age: 63
Gender: Male
My income: Averaging 8.56%/year return over the last 5 years since moving from Vancouver to Southeast Asia
Networth: $2.63MM, including 2.5 acres of raw land located in the downtown of a small town in the Interior of B.C.
Health: excellent
Education: B.A. English Lit.; MBA Finance & Marketing
Marital Status: 29 year-old Vietnamese stunner with whom I hang out, but dissuade from actually moving in–I like my time to plot internet businesses which I am punting upon.
(BTW, no Common Law in both Thailand and Vietnam.)
Rent room across from “China Beach” for USD250/month)
[Future topic requests: 1/ The pros and cons of expatriating–and there is a dearth of information on this topic; and 2/ The latent liability of a spouse to divorce because as SFH climb in value, ergo, couple’s wealth, that then can strain a relationship.]
Finally, thanks for your blog, Garth.

Own home (downsized from Mcmansion after reading Greater Fool a few years back)
No debt
Married 20+ years, 2 teenagers

#217 Ogopogo on 08.29.16 at 8:15 pm

Breaking news:

“Canada’s housing market nears ‘extreme bubble,’ warns ex-Lehman Brothers trader”


If one felt blessed to be a proud renter before, this is yet another cherry on the cake of the savvy renter-investor.

Oh, before I forget, and adding to my previous post today: I’m also 100% debt free and loving every minute of it.

#218 Yuus bin Haad on 08.29.16 at 8:15 pm

age: geezer;
income: poverty;
net worth: more than most;
married: late and just exchanged rubies;
house: time to downsize;
line of work: depends on the day.

#219 tkid on 08.29.16 at 8:15 pm

Age: 48 F
Income: 65k base, 85k after overtime and bonus
Net Worth: 387k not including a 2008 Corolla that I hope to one day drive to Prince Rupert and bury there.

#220 Olive on 08.29.16 at 8:16 pm

WOW….what a bunch of lies…works of absolute fiction !!!!!

Garth is your request for household stats…your entertainment for an otherwise boring Monday evening ?

#221 Harry on 08.29.16 at 8:16 pm


#222 Turner fan on 08.29.16 at 8:17 pm

Age 35
Net worth: $1 million (household)
I’m special!

#223 OffshoreObserver on 08.29.16 at 8:18 pm

Own home (downsized from Mcmansion after reading Greater Fool a few years back)
No debt
Married 20+ years, 2 teenagers

The above was the residual from a “cut and paste.”

Please ignore.

To be clear: no kids.

#224 Trojan House on 08.29.16 at 8:18 pm

“Average length of time a marriage lasts: 14 years. (The divorce rate in Canada is 48%, so good luck.)”

There’s an old saying: 50% of marriages end in divorce. 100% of people think they can beat those odds.

#225 OnePercent on 08.29.16 at 8:18 pm

Age : 35
Income : ~235k
Net Worth : 1.3M
No house

#226 Blacksheep on 08.29.16 at 8:19 pm

Watch this about Hill before its scrubbed from the net, completely. David Seaman hasn already been fired from the Huffpost for it.


#227 Jacko on 08.29.16 at 8:19 pm

Age: 55 & 51
Married: yes
Combined Income: $210K
Net Worth: $2.1M
Homeowner: yes
Occupation: Business owner of small manufacturing company

#228 Bodenby on 08.29.16 at 8:20 pm

Age 49
Household Income 250k
Net worth 2.4 m
Own house 400k
Married 2 kids

#229 Anon on 08.29.16 at 8:20 pm

Age: 40
Status: single
Income: $86,000
Net Worth: $586,000
Own: Condo (almost paid off, 61% of net worth)
Occupation: Bank job
Pension: DB (10 years in)
Savings Rate: 55% of monthly net income
Assets: Real Estate, Wealth Simple account, ETF portfolio, some PMs, penny stock

Biggest gains: were from my penny stock ($50k, but still a REAL dumb move and i got lucky) and RE ($150k). Rest is saving hard and investing diversified.

Biggest single contributor to savings: not having a car (save ~$750 a month). Save on the big stuff, not nickle and diming with brown bagging.

#230 mynameis on 08.29.16 at 8:21 pm

Male 29
Marine Engineer..after 6yrs of school
Aprox 50k after deductions for 6months work/yr
Born and raised Victoria, live on boat, girlfriend wants a house.
Tfsa: 20k ..work in progress.
“Savings” account: 50k
No debt.
Thanks for the good reading Garth!

#231 Retired on a Gulf Island on 08.29.16 at 8:21 pm

Age: 65

Family Income: $150,000/yr mainly from investments

Net worth: $4,000,000 (investments $3,500,000/house $500,000)

#232 B68 on 08.29.16 at 8:21 pm

Female 48
House 400000
Cottage 250000
No morgage
Net worth 4,400,000 +real estate
1 dog and 1 cat

#233 El Zotoluco on 08.29.16 at 8:22 pm

Male, 63
Married, no children
Retired, spouse retiring in 5 years at 60
Household income, $110k
Household net worth, $1 million
Condo, no mortgage
No debt

#234 Cowtown_Bound on 08.29.16 at 8:22 pm

Calgary, AB

Age: 32

Married, 1 kid

Household Income: $300k (gross)

Net worth: ~$750k (liquid assets) – $0 debt

Housing Situation: Renting (8 years and counting), looking to buy (actively looking)

#235 Derek on 08.29.16 at 8:23 pm

Household income-165000
House-own $?make be an offer
Tbsp maxed
rrsp-little room
Stocks,reits,preferred shares
Pensions govt.

#236 Another person on 08.29.16 at 8:23 pm

Age: 34
Income: 115k
NW: 200k

#237 crowdedelevatorfartz on 08.29.16 at 8:23 pm

Wow! Interesting.

@#88 Jane Doe
Everyone here…… including you… is a rock star.

@#115 No name
with all those spelling mistakes….you have to be Smoking Man.
@#131 Tyler

14 k saved at 25 !!! Well done . I didnt start saving a dime until I was 30. You can retire younger than all your financially illiterate friends ….keep it up.

Baron Rothschild….tongue in cheek conspiracy theorist Brazil exPat I presume?

@#163 Jonathon
Well done! In every aspect of your “portfolio”.

#238 Shortymac on 08.29.16 at 8:24 pm

30 year old female – married to 33 year old male
120K in assets, (20k USD in Roth IRA)
30K in liabilities (cars, student loans, and got off a bad stretch of unemployment)
100k/year income (now – 63k/year and 40k/year)
IT Business Professional & Soil Technician (respectively)
Living in Toronto (North York), renting and mildly house horney, but not diving in until the bubble pops.

#239 Trent Steele on 08.29.16 at 8:24 pm

Age: 35
Income: $136k AUD
NW: $300k
Civil Engineer
Renting and watching the bubble madness.

#240 Arfmooocat on 08.29.16 at 8:25 pm

The guy with the 10 year younger hot looking wife?

Start hiding your money now because it’s going to be gone along with her as you age gracefully. Trust me.

#241 nocturno on 08.29.16 at 8:25 pm

Age: 41
Income: 170K (270K with spouse)
Net Worth: 500K (all liquid across tfsa,rrsp and non-registered, 75% in USD)

No house, currently paying cheap rent in Vancouver.
Occupation: sw engineer

#242 Pharma Princess on 08.29.16 at 8:25 pm

34 y/o female pharmacist $108,000/ married/$220,000 household. Town home in BC ( Not in Van) . $525,000 net worth. Total Amazon btw;)

#243 Victoria on 08.29.16 at 8:25 pm

Recently retired couple in BC.
Income: $48,000 defined benefit pension plus CPP of $13,000 per year
Net worth: Approx $350,000
No debt or dependents
Sold our house in May 2010 (thanks, Garth) and are renting $1200/month including all utilities. Still waiting to buy if prices ever become affordable for us.
I guess we are average for our age (62 and 63)?

#244 Familyman on 08.29.16 at 8:26 pm

Married, 2 kids
Single Income $130k (own business so could take more)
$200k in investments
Business worth $1mm

#245 Familyman on 08.29.16 at 8:26 pm

no debt

#246 The WOMBAT on 08.29.16 at 8:28 pm

Male: 57 y.o.
Married: 27 years
Family Income: $140,000(me), 25k (her), 12k (business)
Net worth: Assets- lia.: $500k
Small town Ontario 40 ac. self sustaining hobby farm
Thanks Garth! Nice evolution from a Doomer site to a 10%er site.

#247 Stan Rogers on 08.29.16 at 8:28 pm

Escaped from YVR 16 yrs ago, now living outside YHZ (some of you may have to look that up).

Ages 61 and 60
Second marriage for both
Family income $200K
One RRSP $500K
One public service DB plan
House $300K
Debts: $0
Kids: 6 all support themselves

Canada from the Ottawa River east has seen declining RE values for several years. We’re just ahead of the curve, the rest of the country is catching up.

#248 not yet on 08.29.16 at 8:29 pm

age 70
rent (love it)
household income ~ 90 k
net worth ~ 1.5 m

#249 Rebecca on 08.29.16 at 8:30 pm

Age: 30
Income: 160k
NW: 140k
Status: Unmarried, no crotch fruit
Profession: Software development
Housing: Renting in Vancouver

#250 Burnaby, BC on 08.29.16 at 8:30 pm

your age: 41
income: $142k (family ~225k)
net worth: $520k (family ~1.1M)
Married: common-law
House: don’t own, just renting. Don’t really want one, but will buy if prices are right

#251 vancouverite on 08.29.16 at 8:30 pm

Gender: Male
Age: 30
Marital status: Single
Job: Consultant
Income: $125,000
Savings rate: 55%+
Net worth: $535,000 (primarily in ETFs and stocks)
City: Vancouver
Housing: Rented apartment

#252 Thanks for this blog, Garth on 08.29.16 at 8:31 pm

age: 45
household income: $160K
household net worth: $1.2M
house: $350K, paid off
no debt
no employer pension plan
information technology

#253 Man of the Clothe on 08.29.16 at 8:31 pm

Married 37 years to my high school sweetheart.
Two boys. Out of the house at age 20 and 17. Both doing fine.
Average income in last 5 years….1 million.
RRSP’s…..1 million.
House….1.5 million….905. No mortgage.
Investment properties….2….1.4 million. No mortgage.
Cash…..1.5 million. ( sold a 416 and a 905 property 2 months ago after starting to read Garthfield a year ago).
Health….thankfully we are all healthy.
Toy…..2013 Fatboy.
No inheritances.
Work hard…play hard….never too smart too learn.

#254 Peter Engy on 08.29.16 at 8:32 pm

Age 36
Income $70k/year
Net worth: ~3 million

#255 Poorgirl on 08.29.16 at 8:33 pm

Any of you bullshit art.., er ah sorry, high net worth individuals, care to adopt me?

#256 Mister Dee on 08.29.16 at 8:35 pm

28, 160k income, software engineer, 150k Networth.

#257 Upenuff on 08.29.16 at 8:36 pm

Ages: him 55 her 58

Income together 210 K
Net Worth: (the wife and I) over 3 mill, with DB pension
Own House on West Coast (paid off) and now valued in the crazy 2.5 million range…
600 K in TFSA, RRSP, other investments and cash.
zero debt.
Enjoy travel and wine, but still drive our two 1990’s vehicles

#258 Unumizer on 08.29.16 at 8:36 pm

Age 54
Net worth 2.1M
Insurance guy
House and vacation house.
Bang on rule of 90
Household income 350K

#259 Zed on 08.29.16 at 8:36 pm

35 years old
Single income household
Welder 230k+. Northern Alberta
Net worth 450k
66% or so house and rental townhouse
No debts except mortgages.
1.5 kids

#260 Ender on 08.29.16 at 8:37 pm

Male 51
Married with 3 kiddos (2 in university)
Income: mine 170K, hers 100K
Net worth 1.9 million, invested and liquid
Currently renting brand new 1.6 million house that should be worth half of that
Profession: health care non-MD while spouse is in public sector with DB pension
I have an unhealthy phobia of not having enough for retirement.

#261 ying on 08.29.16 at 8:37 pm

Age: 25
Gender: M, single
Occupation: software engineer
Income: ~$180K USD
Net Worth: ~$200K CAD
Renting in SF bay, had a studio in YVR & Sold it 2 months ago at the peak of the bubble per recommendations from this site. (Thanks Garth!)

#262 M on 08.29.16 at 8:38 pm

Age: 29
Income: 65k
Net Worth: $175,000
Status: Single
Housing: Renting in Toronto
Work: Healthcare

#263 No, I am not providing identifying information on 08.29.16 at 8:38 pm

Male, 55, Engineer, employment $60,000, rent, net worth 1.3M
Wife: Female, scientist, employment $100,000, net worth 1.8M

Did you know that children and houses are both mind-blowingly expensive?

#264 KrnnyG on 08.29.16 at 8:40 pm

Age: 43
Gender: Male
Household Income: $184k
Net Worth: $1M
Married with 1 kid
Rent in Vancouver

#265 John in Mtl on 08.29.16 at 8:41 pm

Age: 61 and retiring in 6 months
Income: 61K
Net worth: 150K + DB pension 40K per year
Montreal area suburb
Work as an AV techie in large french university
Debt = 0
Parents = poor (and deceased)
Inheritance = 0
Living in Quebec = Cheap!

Far, far, FAR from a one-percenter!
Pretty average financials (started over a few times in life!)
I’m a pleasant and decent fellow, very open-minded but a bit racist…
Slim & trim, in good health, probably live ’till 90

Never gave much thought about money, always had enough.
I save more than I spend (yeah I know, its old fashioned but it works).
I feel very poor compared to most posters here! But I’m happy and free.

Un chausson avec ça?

#266 maxx on 08.29.16 at 8:42 pm

Cutest little furface ever! And those eyebrows….

#267 meAgain on 08.29.16 at 8:42 pm

Single Male
Age: 52
Income: 29K/year
Net worth: $387,00 in etfs
No debt, no employer pension, in retail sales.

#268 Wog on 08.29.16 at 8:42 pm

Age: 26, male
Income: 60k/year, Paramedic
Net Worth: 55k
No house
Co-rent a fantastic apartment in downtown Calgary (with a pool) – 650/month
Don’t expect to retire

#269 Dave on 08.29.16 at 8:43 pm

I am 61 and wife is 58. Both retired. Live in destination trailer at lake in summer and park model in Palm Springs area in winter. Sold our house 2 years ago in Alberta and are in Saskatchewan now. Best move we ever made. Net worth of about 1.3 million. Should do us fine as we have no dept and live a good life with no big expectations

#270 Poorgirl on 08.29.16 at 8:45 pm

RE. 2 Anon on 08.29.16 at 6:23 pm
Age: 37
Household income: ~100k/yr
Household net worth: 1.65M
Married, 1 kid. Rent our house (one of our better financial moves, looking better all the time – thanks Garth!). Engineer.

..Care to tell us how this was accomplished? Did you win the lottery? Sell a kidney? Start a grow-op? Double family inheritances? Sponsor a wealthy foreigner? Please do tell! Inquiring minds want to know!

#271 wicked as it seems on 08.29.16 at 8:45 pm

65 male separated
Live 6 months in Canada, 6 in Asia.
Yearly income $18,000 (cpp and oas)
Net worth…$450,000 in cash, investments, liquidity.
Rent everything in life
Drive a scooter.
Used to be a tour operator in India
Been reading blog from the beginning
Index investor DIY
White male, lots of girlfriends in many ports
Look after french bulldog when in Victoria

#272 just say no on 08.29.16 at 8:46 pm

male 52 years old income 10,000 year
rent 725.00 month
ride a used bicycle…..
balanced portfolio maintains this existance. Maxed out rrsp and tfsa…. always single and happy. And haven’t worked in years! Always made between 10 and 20 thousand a year in crappy low end jobs so this is normal. Prodigious accumulator of wealth. Self made! But not enough to attract the gold diggers looking for baby daddy. Rich in time…time is all mine!!!! And I am a great cook.

#273 Gug on 08.29.16 at 8:47 pm

Age: 43
Worth: 140,000
Rent, no house.

#274 Colostomybag on 08.29.16 at 8:47 pm

Age: 32
Income: 110k
Household income: 110k
Net worth (50k?) Wife went back to school
No house

#275 broader mind on 08.29.16 at 8:49 pm

I would like a date with #49 Julia.This is much better info than any dating site.Thanks Garth

#276 A Yank in BC on 08.29.16 at 8:50 pm

Age 63 – Retired at 55 – Single (but spoken for)

NW 5.07 mil USD (Half of which in IRA (think RRSP))

Renting on Vancouver Island (2k CDN)

Entire piggy bank invested 60/35/05 (05 is cash)

No pension – took lump-sum

U.S. Social Security at age 66

#277 An Onymous on 08.29.16 at 8:51 pm

Male, 32, single
NI – +/-$80k (doubled from 3 yrs ago)
NW – $175k – all liquid, mostly invested
Theatre Designer (a lucky one)
Renter, Toronto

#278 HD on 08.29.16 at 8:51 pm

Age: 32
Income: 100k/yr
Net worth: 250K + 100k (DB)
Occupation: Public Servant
Status: Single, no kids.



#279 Liquid and loving it on 08.29.16 at 8:52 pm

Male – 37 years old
Wife – 36 years old
Daughter – 2.5 years old
Son – 3 months old

Average net income (family) – 200,000
Family Net worth – 430, 000 – all equally distributed amongst RSP, TFSA, and Non Reg. No pensions for either of us.

No house, rent a furnished home, and can leave with two months notice without any penalty.

Liquid and loving it!

#280 LurkingPerson on 08.29.16 at 8:52 pm

Age: 32
Income: 80k (AUD, close to parity with CAD though)
Household income: $140k
House with mortgage
I.T worker

#281 VL_Qc on 08.29.16 at 8:53 pm

Age: 35
Gender: Male
Household Income: 80 k$ (120 k$ ma conjointe)
Net Worth: 330 k$ (400 k$ avec ma conjointe)
Status : Conjoint de fait
Rent in Quebec
0 kid

#282 DoctorDent on 08.29.16 at 8:54 pm

I love your blog. I’m 45 years old and just sold my GTA house for $2.150 million. I also sold one of my dental practices/buildings for $3.25 million (Dental practices are another huge asset bubble about to pop). I own another small rental property and a small dental practice ($1 million in equity)
People think I’m nuts but I liquidated 80% of my net worth. Family and friends think I must be sick or getting a divorce or going through a mid life crisis. Ummmmmmmm…… No. Actually I’m sitting on over $5 million in liquid investments (ETF’s /REITS and Bonds). This was a once in a lifetime opportunity to sell out on two hugely over valued assets ( real estate and dental practices)… ONCE!
I’m about to move in to my $4500/month rental house. The identical house two doors down is selling for $1.65 million. I feel like I’ve completely pulled one over on the world. The rental rate makes zero sense…. My landlord must be barely breaking even with me occupying this really nice house. Meanwhile the 50k a year or so I spend on rent would have been the 1% I would have given to some hot shot dude in a designer suit telling me his active investment strategy is going to beat the market. Thanks, but I’ll use that to rent a really nice house, manage my own investments passively and think about retiring in 5-10 years with $10 million
Listen to Garth….. Smart people keep making more and more money. But it takes balls… And I’m one of them!

#283 farmer on 08.29.16 at 8:56 pm

Age: 30
Income: 90k + 60k
Net worth: 250k

#284 Anon Ottawa on 08.29.16 at 8:56 pm

Male, 42, divorced
Live in Ottawa
Income 150k (a good chunk of that goes to former spouse)
Net worth 425 thou. (110 home equity, 110 invested, 5 cash, appx 200 in DB pension)
Mortgage is just over 200.

#285 Artem on 08.29.16 at 8:56 pm

Age: 28
Income: 90k
Networth: 250k in DIY portfolio
O&G Skilled labor

#286 Dick Cockschott on 08.29.16 at 8:57 pm

Live in GTA. I am a 42 year old laid off corporate serf who cannot stomach going back to the snake pit cubicle pens of downtown. I pick up consulting jobs, and when (and if) I get paid, I think I make about $80k per year. I used to make a lot more, when I was putting up with my toxic, back stabbing, soul sucking corporate colleagues.

House: $900K (paid off).
Stocks and fixed income: $3,45M
Cash: $150K

Total: $4,4M

RRSP and TFSA maxed.
Married. Kids.

#287 Scatjet on 08.29.16 at 8:58 pm

Male, age 71, retired, worked for 49 years, Married
Sold home and have rented for 33 years with no regrets, At present address for past 20 years
Invested the money not spent on real estate
Portfolio is ~ $700,000, 100% equities
Income ~ $92,000/yr from various pensions and dividends
Life is good

#288 Prince Polo on 08.29.16 at 8:58 pm

I thought you would have at least made the survey somewhat private! I don’t have any desire to be like Wanderer & FireCracker by airing my financial prowess/dumb luck, out on the public clothesline for all to see….that information deserves to be mocked, only behind closed doors. You must really love moderating comments….it’s going to be a doozy for the next 10 hours. Good luck! I hope it doesn’t cause nightmares.

#289 TechBoomer on 08.29.16 at 8:59 pm

64 Male
Net worth: About $14.5m (50% liquid diversified portfolio, 30% private tech deals, 20% real estate). No debt
Annual income: About $650k ($150K salary/consulting fees, $600k dividends/interest)
Active investor, ex-VC, ex-tech company exec.
Threw a lot of spaghetti at the wall—eventually some stuck.
Married to same hot babe for 29 years.

#290 45north on 08.29.16 at 8:59 pm

Here’s what I’d like to know: your age, income and net worth. You can tell us if you’re married, or have a house if you want, and maybe your line of work.

well I’m not really anonymous. so I’ll tell you what I want:

age: 68
own a house

#291 Financial Freedom at 40 on 08.29.16 at 8:59 pm

43 + 47
mid six figures
mid seven figures
renting in the city close to work, own elsewhere where we play
telecom + software

#292 F.dover on 08.29.16 at 9:01 pm

holy shit Bat Man! after reading all of this bragging, I guess I am still F.dover. CPP $97.45/mo, but I have had the rest of my life off since 35.

63 tomorrow. come on OAS.

200g real estate, equivalent value in Niagara would be multi million. Easily.
200g stuff, most of it real cool
7 really nice mint cars indoors. no value stated because all keepers thanks.
ain’t gonna disclose liquid total on line, no inheiritences in that amount though.
Wife 66, db/cpp/oas 4g clear/mo past decade
Max both TSFA’s each year and blow 15g in Carribbean
We want for nothing.

What the hell do the rest of you need all that income for????

#293 Victoria Renter on 08.29.16 at 9:01 pm

Female age 44
Personal income: 15k/year (RN)
Spouse age 48
Combined income: $300k/year
3 kids
Combined Net worth: $1M (invested)
Rent a $1.25M house from mainland Chinese landlord for $2625/month. They’re planning on moving here in a year so we’ll be looking for new house soon. Not sure what to do! Wish houses were rationally priced!
Debt: $0.00

#294 Stephen F on 08.29.16 at 9:02 pm

40 and 41, net $1.8M. Both with full defined benefits pensions, gross income $230k.

So why do I still feel average? It would help if our friends weren’t in the midst of buying their fourth property, a Muskoka cottage for $1.3M…

Not surprised that average readers have some money, they are the ones that care to grow their net worth in the first place. I recall a well paid engineer that told me she wasn’t interested in “financial planning”. Probably still has few assets.

#295 Greg on 08.29.16 at 9:03 pm

41, male, married, 2 kids (1 and 6).

Employed (still) in Calgary oil/gas @ $130k/yr before T2 and Rachel take their share.

Net worth $1.8MM. $1.2MM excluding $600k house. No mortgage.

1) First job at Canadian tire $4.80/hr in 1991. Zero net worth. Began investing then into mutual funds at $25/mo. boosted it to $50/mo then $75/mo and so on. Read the wealthy barber.

2) Feels great to have no mortgage. Screw the math of borrowing at 3% to gain 7%. The risk isn’t worth it. Pay it off and suddenly you’ll have lots of cash to invest.

3) Main investment strategy is selling covered calls (1-3 months out expiry) on individual stocks and ETFs. 50% stocks, 50% ETFs. Same performance on my stocks vs. ETF over the last 10 years although ETF is the way to go for less risk and simplicity.

4) Don’t borrow to buy depreciating assets. I’ve never owned a new car, but always drive cool used cars 5 years old. Usually sell for not much of a loss and do my own maintenance.

5) If I get laid off, I’m tempted to stay home and collect the new CTB at $1100/mo. Right now I get $5/mo. Progressive income tax and taking away benefits like UCCB kill initiative. I can’t afford to try harder at work to earn more than $130k. It’s the sweet spot.

#296 Lesser Wisdom on 08.29.16 at 9:05 pm

Age: 33
Income: 90k/Year
Household Income: 170k/Year + two DB pensions
Worth: 165k
Status: Engaged
Housing: Rental
Location: Toronto

#297 Greg on 08.29.16 at 9:05 pm

@poorgirl 266:

It is not impossible. If you become somewhat disciplined for a number of years these high numbers are how the math works out.

The most striking thing about some of these posts today are the high incomes and low net worth. How can some let so much slip through their fingers?

#298 The WOMBAT on 08.29.16 at 9:05 pm

oh, in case you want to know what WOMBAT is…
W aste
O f
M oney
B rains
A nd
T ime

#299 anon eglington on 08.29.16 at 9:05 pm

Age: 36
Household income: ~130k/yr
Household net worth: 160k
Married, 0 kid.
Rent an appt.

#300 Yvroptimist on 08.29.16 at 9:06 pm

Age: 42
Income: Me ~$90K, Household ~$375K
Net Worth: ~$4million, thanks to the Vancouver housing market. About $1.5M in non-real-estate holdings.
Couple of kids.

#301 Robert on 08.29.16 at 9:06 pm

Net worth 2.4 mil
Read Garth’s books from the start
Was not that hard to do.

#302 Ace Goodheart on 08.29.16 at 9:07 pm

Age: 43
Income 210k
Household income: 270k
Net worth 1.6 million
No children
House owned (no mortgage)
Occupation: venture capitalist, business person

#303 NoName on 08.29.16 at 9:07 pm

#233 crowdedelevatorfartz on 08.29.16 at 8:23 pm

i am not smoking man, i am just a NoName. if you don’t believe me ask him. but i do follow him on twiter.

#304 #178 Not Special on 08.29.16 at 9:08 pm

#178 Not Special – Should read:

$650k invested, $1.1 million house.

I never post in online comments usually, so don’t do the proof reading thing.

#305 Rapier Wit on 08.29.16 at 9:08 pm

Easy. Let’s see

I’m 61 and my lovely wife is 60. Scientist. Always looking for the real data not the MSM interpretation.

Income: $300ish K – depends on consulting.

Net worth: $2.4 Mil

Own a house and looking to relocate in the not to distant future. RE is 13% of NW.

Two kids, both financially independent. One well-intentioned Guard Spaniel.

Can’t have a TSFA ’cause we’re half ‘Merican. Immigrants don’t you know.

#306 Life's too short on 08.29.16 at 9:10 pm

Age 56 me 58 wonderful wife
Income me 80,000 wife downsized 15,000
Purchaser (other people’s money a fun time) downsized wife part time Retail
House lower mainland 600,000
Cottage on a lake in the Cariboo so beautiful it will bring you to tears 350,000
RRSP & TFSA 550,000
Not obedient enough for government work have to do it the hard way Garth and the millionaire teacher have changed my life.
Remember a BMW is Germanys Chevy so no reason to become obsessed
Life is short only love the things that love you back and music of course..

#307 Chimingin on 08.29.16 at 9:11 pm

Age: 47 F
Household income: $80K (Me=laid off; hubby self-employed & wants to keep going)
Net worth: $1.6M ($550K is house; rest invested/liquid)
Ed fund for 2 kids: $115K (not included in above)
– we saved, invested, and didn’t buy stupid stuff (much) but have traveled a LOT
House – paid off
I am a SAHM for now; don’t care if I go back to work

#308 Waterboo on 08.29.16 at 9:12 pm

Age 45, married, 2 kids and a dog.
Current income 115k and husband same. Mine about to be 0 because I am leaving work to be home with the kids. Current net worth about $500 k not including value of 2 DB pensions (over 30 y of service combined btwn 2 of us). Feel very fortunate to have choices!

#309 Thanks Garth! on 08.29.16 at 9:13 pm

Age: 29
Gender: Male
Marital status: single
Annual income: ~$200,000 Gross
Debt: $0
Net worth: ~$400,000 in ETFs (TFSA/RRSP maxed, rest in medical corporation)
Housing: Rent
Occupation: Health care

Thanks for all the work you put into the blog Garth!

#310 Tree on 08.29.16 at 9:13 pm

Male: 42
Income: 500k
Semi-attached (partner in different city)
Net worth: ZERO
Work: Doc

Seriously, I know that looks weird. New grad… and very VERY new to the 1% thing. Spent most of my life in the lower 20%. Worked very hard to get here but also lucky to have been given the chance at a later age… and thankfully enough gray matter to make it possible.

1m in assets but matching debt. 80% in land with about 20% of it cabin-on-land. Rural all the way.

#311 reformedsnorfler on 08.29.16 at 9:14 pm

Age: 39

Income: 87,000 individual, 117,000 household

Household Net Worth: approx. 93,000

Homeowner (in the sticks of MB), married, 3 kids.

#312 Anonymous on 08.29.16 at 9:14 pm

Age: 35
Income: 140,000 + 40,000 bonuses
Net Worth: 580,000
Debt: 0

Rent in Victoria

#313 Oslerscodes on 08.29.16 at 9:15 pm

35, 37
$1.1M gross
$2.4M net worth (600k in primary residence)

Both physicians in practice 3 years. Presently in Toronto but looking to relocate south.

#314 FK on 08.29.16 at 9:15 pm

57 yrs. young.
NetWorth – 1.6M + home $600K = $2.2M
Income – $65,000 but leave large amount each year in my Corporation.
Own service business, happily married 30yrs, and live within our means…..
No pension.

#315 Chaddywack on 08.29.16 at 9:18 pm

Age: 34
Gross Income: me $0 spouse $75k/year
Net Worth: $300k

Homemaker and spouse is a physician

#316 Wiggle room on 08.29.16 at 9:18 pm

Married, own a house, no debt.

Age: 43
Household income: $30k – $100k part time contract work. Used to be higher but with a paid off house we became slackers.
NW: $2.5M (including house, worth about $1.5M)

#317 Aggregator on 08.29.16 at 9:19 pm

I'm looking at all these incomes based in Canadian dollars and laughing knowing they'll all be devalued further. At a 2% inflation rate, a currency loses 50% of its purchasing power in approximatly 35 years. And the reality is actual inflation is much higher then 2%.

#318 TruckBalls on 08.29.16 at 9:19 pm

Age: 31
Income: 97,000
Net Worth: 185,000 (90% registered savings)
Not married

Next time please just make this a poll.

#319 suburban coyote and pup on 08.29.16 at 9:21 pm

F51 ,nurse net worth 800k divorced. have one of those gold plated dog bone pensions as well. Had a divorce 9 years ago that was a bit of a setback but have recovered thru real estate. I am in the process of liquidating some hot 905 to a builder….coyote can manage with a smaller den.

#320 meslippery on 08.29.16 at 9:22 pm

Average income of a Canadian male: $49,000. (Shockingly low, isn’t it? )

$24.00 per hr x 40hrs. x 52 weeks=$49920.00
To many make that or less. cira 1982 wages thats the

Average home price: $480,743 paid off plus $520,000
cash or investments still a million $ to me.

#321 45north on 08.29.16 at 9:23 pm

utopia: On August 24th of this year, Agriculture and Agri-Food Canada announced a commitment of 370,000 dollars to support research into the causes of the bee die-off in Saskatchewan and other provinces.


it looks like the government is serious about bees


#322 Frenchie on 08.29.16 at 9:23 pm

Age: 40 & 38
Income: 100k & 90k
Job: software dev & health care
Status: married, 2 kids
Net Worth: 400k house + 300k saving (mostly ETFs) + 2 * pensions

#323 GsAmazon on 08.29.16 at 9:24 pm

1 screamer, 1 geriatric terrier
1 wage
slave with db pension, 1 stay-at-home Amazon
Very pleased with all of the above, as well.

And no. I will never buy your house.

Ps i read this blog every single night while nursing my kid to sleep. ;)

#324 Porsche on 08.29.16 at 9:25 pm

-Was Commonlaw, lost half of everything
-Hit the road… worked Internationally with Nortel
-Lost 150K on Nortel shares plus job
-Totally missed the Canuck real estate rocket ship
-Rent forever
-Work forever
-No investments
-No pension
-No debt
-Live pay to pay

#325 MediaBuff on 08.29.16 at 9:25 pm

42 years old
HHInc: $200K
Net Worth: $1.1M + wife’s DB pension
Own house (Ottawa) + cottage (Muskoka)
1 Kia (owned!), 1 Costco membership

4 kids, ages 2 to 10

#326 Chad on 08.29.16 at 9:26 pm

28 yrs old, married, 2 kids, annual income is $50K combined, net worth probably $50K(half in our house half index funds), it’s an old house in Red Deer that we’ve worked real hard on but the market sagged. I’m a pastor and an entrepreneur and currently looking for the next opportunity, which adds up to no pensions.

#327 Sam on 08.29.16 at 9:26 pm

income = 80 K
married , many kids
net worth 900K
renting in GTA

thanks for the blog Garth!

#328 You killed my cat on 08.29.16 at 9:27 pm

SWF 47 years old, owned by a dog and cat
Income $125,000
RRSP/TFSA 110,000
Homeowner 90,000 equity, today anyways
Read Garth daily, have done so since the start, thank you for all the valuable advice
Realtor, but please don’t hold that against me, I try to be one of the good ones!

#329 Native American on 08.29.16 at 9:27 pm

Post disappeared?

What did you expect? — Garth

#330 TCContrarian on 08.29.16 at 9:28 pm

Hmmm….. Who am I?

According to a book I’m currently reading, we’re ALL 0.0001% matter, and 99.9999% energy. :-)

Age: ~50
Self-employed – IT
Income: variable —> $75-125k
Net Worth: $850k
Married with 2 children
Wife works at home and lives the life of a multi-millionaire (yes, very much spoiled – but I love her!)
RE assets: none

A part-time bullion-licker,…, only when amazing set-ups are on the horizon.

Shifting my ‘work’ focus to portfolio management though. That’s where the real $$$ are!
Got my SOHN Certification so far; the rest to follow.

#331 charles on 08.29.16 at 9:29 pm

62 yrs. Male, Grandparent.
Machinist, heart attack at 49, living by my wits since.
$9600 CPP/yr.
Own modest home $110K (Windsor).
No debt, No mortgage.
Wife 59 yrs. $22K/yr
Gst rebate and Trillium Fund stipend.
Trillium Fund prescription assistance.
Raised 2 successful children
Investments in ounces 2800 oz AG. 112 oz Au.
Cash $35K
2003 and 2009 Buicks.
No Bank paper promises.
Metal detecting hobby $1500/yr.
Smith and Wesson and Beretta insurance policy.
Awake and not supporting the beast.
Oh yea, cat guy.

#332 WUL on 08.29.16 at 9:29 pm

Tonight’s blog and comments are turning me into a glass half full kinda guy.

As my mother always said, slightly above average.

Tremendous hunting and foraging skills.

Going long on the Cubs ending the 108 year World Series drought.

#333 Survey on 08.29.16 at 9:29 pm

Age: 32
Sex: M
Marital status: married
Annual income: $80k job + $40k side business
Debt: $100k (mortgage)
Net Worth: $1.16 million
Housing: own ($250k)
Occupation: industrial scientist

#334 The moose is loose on 08.29.16 at 9:30 pm

Age: 41
Income: ~CAD250k (depending on the FX and bonus)
Net worth: ~CAD1m (depending on the FX)
Married: Yes
House: Rent, do want one, but not at these prices
Line of work: Economic refugee in the most capitalistic city in Asia … hedge fund due diligence

The Turner Report … that was great to watch back in the day.

#335 Freedom First on 08.29.16 at 9:33 pm

Boomer. 63. 0 kids(snipped as a young man). 0 child support. 0 alimony. 0 grandchildren. 0 jobs. 0 room mates. I have loved all of my girlfriends, and I too felt loved by many of them.

Rent luxury apartment with all amenities in a brand new building downtown which I upgraded to in May of this year. Drive an 11 year old car with 97,000 kms on it that I bought new. Always parked indoors, it still looks and runs like new. Will replace with a new car in 5-10 years. Previously to renting I owned and lived in 2 houses I lived in and sold for profit over the years. Never bought a house until my net worth was larger than the house cost.

Yes. I contributed honestly to the last poll by Garth. Rather embarrassing income and net worth compared to most of the other dawgs. And still is, I see.

Still, I know I am a 10%er and have only worked full time for 2 of the last 14 years. The other years I worked since then, I averaged 5-10 hours per week being self employed.

However, my plentiful and abundant trips around the globe, regular skiing trips in the winter, numerous golf trips to world class courses, and being on my present 86 month long vacation has helped keep me very very happy/contented.

Truthfully, I should say calling it a 86 month holiday is not entirely correct, as I am training for an Ironman competition in 2053 for my age group. I intend to win.

I have many goals, but this is as far as I have planned as of yet. In 2053, I will start to focus on my old age.

I worked smart and lived smart. It was never my goal to be the richest man in the graveyard, but to live the most enjoyable Freedom First lifestyle possible in my short 110+ year lifespan. So far, so good. Living my dream.

Freedom First

#336 Blobby on 08.29.16 at 9:33 pm

Male, 40, single
Income : between 80k and 150k, varies each year
Net worth : $160k *
Renter, don’t own – no intention to either

* I was sick and unemployed for 4 years, which ate into a lot of my rrsp.

#337 WalMark of Sadkatoon on 08.29.16 at 9:34 pm

#1 Smoking Man on 08.29.16 at 6:22 pm

Hahahaha powetic that the inglorious SM posted the first comment today and stated exactly what I was thinking! Lol you’re awesome SM! Luv ya buddy

#338 cz on 08.29.16 at 9:34 pm

Age 42, living with 32 year old savage (similar to amazon, just weirder)
Gross 165000 /260000 combined
House 500000 with 410000 mortgage
Rrsps, TFSAs 200000
DB benefit from employer I dont plan to stay with, currently partially vested, 90000
1 dog, deeply intelligent, but burdened with excessive existential angst

#339 Lytton Park Next Door to Garth on 08.29.16 at 9:35 pm

Age: 33
Gender: Male
Income: 850K
Net worth: 2.2M
Industry: Software Consulting

#340 Speed Weasel on 08.29.16 at 9:35 pm

Male, 47 + wife, 40
Common Law with 2 cuddly kids under 6 yrs. old.

Personal income = $92,000
Wife’s income = $88,000
Total net worth = $600,000 (half of which is a paid-off house)

Most of my investments are managed by TD Wealth. (I know, I know: should DIY with a basket of ETFs.) They’ve returned 7% over the past 3 years and I sleep just fine. Fees are very reasonable.

I also have a smaller investment account where I try to follow Garth’s DIY advice (the usual suspects: CPD, CVD, and some wild guesses). That has barely broken even over the past 6 years.

Amazingly, wife has been unable to save a penny in all her years of a good-paying gov’t job. I have pointed her to this site, recommended The Wealthy Barber, and worked out a budget. She still can’t avoid racking up the credit-card debt.

I will retire at age 58, the earliest at which I can touch my DB gov`t pension.

#341 Hockeymom on 08.29.16 at 9:37 pm

Age 47/Husband 51
Household Income $260k
Net Worth $2mil
RRSP’s/RESP/Non-Registered $800k
House $1.3 mil, mtg $140k
Have considered selling and renting but hubby and I believe that any extra money we save would be spent on therapy for our two teens that would be traumatized by moving…….

#342 Gulnar on 08.29.16 at 9:38 pm

Pensionless 37 male married with 4 kids
Income 350 k
Investment 2.1 million k between registered and unregistered accounts
Debt: huge both commercial and personal
Mortgage: on one investment townhouse about 500 k
Goal: To financially retire by age 50

#343 Vancouver73 on 08.29.16 at 9:40 pm

Age: 43
Gender: Female
Annual Income: 100 k
Net worth: 220k plus DB pension
Housing: rent in Vancouver, 1350/month 1bdrm downtown
Occupation: healthcare

Long time reader, but first time poster. Thanks for all the sanity checks!

#344 mathman on 08.29.16 at 9:42 pm


Is that BS I smell?

If I take this sample size (posters) and make some inferences about the population (all readers of this blog), then you have some of the wealthiest people in Canada(in income terms) tuning in daily!

I do appreciate the many honest posters although I’m sure they make up the minority of the comments.


#345 cowtown cowboy on 08.29.16 at 9:42 pm

Wow, this topic always brings ’em out!

Wife & I both 47…Yikes!
IT consultant: just laid off, thank you NDP…
Last salary $125k/yr, or ~$160-180k if consulting…currently whatever J2 so graciously provides.
Wife (HR): ~$120k/yr
Own our house, or at least part of it!
Networth: Fluctuates greatly based on the price of oil…was a little overweight O&G prior to the current Sh!tStorm…and am down about $150k since early last year…NW: ~$650k..depending on how much my house as dropped this week….should have went to bloody law school.

#346 Bort on 08.29.16 at 9:43 pm

Household – 120k
Rent 3 Bedroom House in Toronto burbs
Rent out 1+1 Toronto Condo
100k equity in condo
100k investments
Average Sales Person

#347 BOOM! on 08.29.16 at 9:44 pm

Me 64 / She 65 both Retired (married 42 yrs)
2015 total Income $98,149 Taxable Income $77,549
2014 total Income $64,205 Taxable Income $39,630
(US remember…) Fed tax rate 14% WI tax rate 4.8%
I screwed up my taxes in 2015 won’t happen again!

Home Debt Free ~ 165K

Cash & Investments ~760K

Social security, Pension & 3-4% Portfolio Investment return comprised Gross Income

We did not start actively investing/saving money until age 35 – there is hope for the young!! -get started, ok?


#348 Tigers mom on 08.29.16 at 9:44 pm

1.3 invested, paid off house, no debt at all. 75,000 a year
and a owned company that does over 1 mill a year. We are USA and close to retiring and selling the biz

#349 Computer Nerd on 08.29.16 at 9:44 pm

Age: 29
Gender: Male
Marital status: Single
Annual income: $78,000
Debt: $0
Net worth: $145,000 split in TFSA, RRSP and DC Pension
Housing: Renting in Toronto on Bloor west. Sharing a 2 bedroom with a buddy, my share is $850 + electrical
Occupation: Computer Engineer

#350 Montreal on 08.29.16 at 9:44 pm

Age 41/Husband 44
Gay couple
2 young children, expecting a third one.
Household Income $230k
Worth 1.3 million $ including real estate.
Debt: 700K$
Civil servants.
Garth convinced us not to move from Montreal to Vancouver two years ago…

#351 Humanitarian on 08.29.16 at 9:44 pm

Age: 42
Sex: M
Married, 2 kids (3 years and 6 months)
Occupation: United Nations civil servant rotating in really bad places
Income: $200 K
Net Worth: $ 850 K
Home: rent YUL $750 month / rent overseas $1,700 / month
Pension: defined benefit if I make it to 62

#352 Hugo C on 08.29.16 at 9:44 pm

Age: 34
Income: 87,000
Net worth: 150,000
Not married
Renter in Vancouver

#353 wendi1 on 08.29.16 at 9:45 pm

Age: 57, female
Income for just me: $78K
Income for hubby (58): $69K
Net worth for me and hubby combined: $1.3 million, including a paid-for house worth $305K.

I am semi-retired, hubby still works, bless him.

#354 Old Salt on 08.29.16 at 9:45 pm

Age: 34
Just Completed 2 year sailing sabbatical.
Portfolio: ~650k
Boat: ~150k
Income: 80k (engineering)
Spouse: Incorporated. freelance software. Shifts income as appropriate, works to live
Married: 10 years
No Pensions
Subsidized by Landlord. Ottawa region.

#355 Capt. Serious on 08.29.16 at 9:46 pm

Age: 39
Household income: ~ $200k
Net worth: ~$900k plus whatever my other half’s DB pension is worth.
Married, 0 kids – none planned.
House (mortgage — accounted for in NW).
Me: Engineering (telecom) BH: Comms (education)

#356 greyswan on 08.29.16 at 9:46 pm

I am so tired of old UN lobby ass kissing politicians!!

#357 R in MTL on 08.29.16 at 9:46 pm

Age: 27
Sex: M
Marital status: single
Annual income: $100k
Debt: $0
Net Worth: around 80-90k
Housing: rent $500 a month in downtown MTL with roommates
Tangible asset: a bike
Occupation: economist/teacher

#358 Nada on 08.29.16 at 9:47 pm

$110K (spouse currently at home with kids)
$1.5 million including transfer value of government pension if I decided to quit today…$775K if pension is excluded.
Renting ($2200/mth for a house)

#359 Prairieboy43 on 08.29.16 at 9:47 pm

47 M, Married. Net Worth 3.25 Mill. Household Income 200k. 2.8Mill Investments, 425k home. Likes Hunting/Fishing.”Watch out Moose 2017″.

#360 Jungle on 08.29.16 at 9:48 pm

Age: 34/36
Income (family): $105,000
Net Worth: (family) $817,413
Real Estate (family): $490,000
Debt (family): $147,000
Savings/Stocks (family) $472,546

Married, one kid, second on the way. Work in security, wife sales

#361 Bryan on 08.29.16 at 9:48 pm

First time posting, 1 year reader
Age 28 male
Mechanical drafter
Income 55k
Renter (Ontario)
Net worth 50k

#362 Avid Reader on 08.29.16 at 9:49 pm

Age : 30
Income : 120k
Net Worth : 70k (Grad studen, began earning in the last 2-3 years with income raising 20k per year)

#363 Alvina Knows on 08.29.16 at 9:49 pm

Age: 55 (Male, Married, 2 Offspring)
Household Income: $350K+
Networth: $2.4M
Home: Owned
Debt: $0
Profession: Computer Engineer
Pension: No
Motorcycle: No
Ice Cream Parlour: No
Dog: No
Cat: Yes

#364 not 1st on 08.29.16 at 9:49 pm

This blog entry was a trick from Garth to get us to disclose our RE holdings. Now he can spend an eternity chastising us for not selling at the peak.

#365 Smoking Man on 08.29.16 at 9:49 pm

Just watching the big short for first time. Weirdos always win.

Short CAD 400 to 1 margin. Or buy USDCAD.

T2, Wynee, Noterly.. Clueless.

Bet Accordingly my dogs.

#366 John Doe on 08.29.16 at 9:50 pm

Age: 30
Gender: M
Income: $60k – $80k (varies based on commission)
Occupation: Mortgage Adviser for big bank
Net worth: $174,500 – 20% Bond ETF’s / 80% Stock ETF’s
Marital Status: Common Law (not including her net worth here)
Housing Situation: Renter
Debt: ZERO

– Goal in life is to become semi-retired by 45 the latest.

#367 Burb dweller on 08.29.16 at 9:51 pm

Age: 33 (male)
Household Income: $145k
Net worth: $155k (no house yet)
Married, 3 carpet trolls
Airline pilot

#368 Pedantic on 08.29.16 at 9:55 pm

Age: 28
Salary: 64k
Net Worth: 50k
No House, only rent

Only got real about finances a few years ago

#369 not 1st on 08.29.16 at 9:56 pm

The one thing that these replies show isn’t how much money people make or what their wealth is.

It shows that many people have jobs that could be taken away in a heart beat by software, automation and outsourcing or even just a longer than usual downturn.

Good luck…you will need it.

#370 Dee on 08.29.16 at 9:56 pm

Age: 34
Net worth: $80k
Income: $130k

Finished paying off a lot of bad decisions in my 20s, now shovelling as much as humanly possible into investments to make up for lost ground.

#371 Lulu on 08.29.16 at 9:57 pm

WOW!!!Usually when talking about money is the taboo among friends and family especially about your income, net worth, but today we got over 300 comments already not even midnight and most of you guys are millionaires.

Thanks for the entertainment!!!

Garth, you are genius for entertainment. Thank You!

#372 Just a normal guy on 08.29.16 at 9:58 pm

Age 43
Income 108,000
1 child
Assets 150,000
Software Engineer

#373 1st time poster on 08.29.16 at 9:59 pm

45, wife 36
Household Income ~$200k
Software engineer & logistics
~800k net worth (inc. 300k house in the boonies, no mortgage)

#374 Property Manager on 08.29.16 at 10:01 pm

56, divorced since youngest kid was 2, now in their 30s
110K per year 350K Rrsp and tfsa no debt
Rent a nice apartment in North Van close to work
Money manager now has funds…thanks Garth
Some money guys said I had more than most couples at my age when I was interviewing them
Ummm maybe not

#375 X Y Z on 08.29.16 at 10:01 pm

Income – 170 and 150 – business
Nw – about 1 million made up of
House value- 900ish, mortgage is 340
Liquid – 450 combined

#376 Nobody on 08.29.16 at 10:01 pm

Age: 36
Married (to a wife who works)
Two permanent markers of fertility and virility
Income: $240k (to prof services corp, anyway)
Net worth: $400k (give my wife credit for the other half)
Own a house in Kelowna
Lawyer (bring the hate)

#377 Chickenlittle on 08.29.16 at 10:01 pm

-Income…. $40k
-40k in savings

Pretty boring..and average.

#378 YYC Gear on 08.29.16 at 10:01 pm

Age: 33
Income: $125k
Net Worth: $200k
Occupation: Engineer
Married, Home-owner

#379 Capt. Serious on 08.29.16 at 10:02 pm

I do appreciate the many honest posters although I’m sure they make up the minority of the comments.

Why are you so sure? The average do not take an interest in their finances and/or cannot. It’s not exactly an average audience that “enjoys” reading about housing valuations, sales trends, and investing.
My guess would be most people habitually coming to this blog (phrasing!) are in the top 10% of earners and net worth after controlling for age.

#380 Dan & Natasha on 08.29.16 at 10:02 pm

Age: 35, 26
Gender: M, F
Annual income: $260k, $56k
Household net worth: $470k (excluding pensions)
Housing: rent
Occupation: healthcare

#381 Juan Refrito on 08.29.16 at 10:03 pm

Suspect I’ll be somewhat behind the curve, but here goes. Age: 47. Marital status: Single. Income: approx. $80K/year. Occupation: policy guy with a provincial government. No real estate, lowly renter. Cash and etfs worth about $60K, saving about $20K/year, no debt. Have transformed in the last five years from being in debt and financially illiterate to saving relatively aggressively and having a clue. Defined benefit pension, very fortunately. Plan is to retire at 58/59 with an unreduced pension and as much of a nest egg as I can cobble together in the next 11-12 years (given my saving rate, aim to have somewhere around $300-400K in cash/etfs including reinvested RRSP refunds). Looking to join a rental co-op as a long-term plan in lieu of real estate, which, because of Garth, currently scares the crap out of me. :)

#382 suburban coyote and pup on 08.29.16 at 10:03 pm

addendum. no debt, the pup is 13, with 40k resp. Gross income 85k. Love your blog Garth…daily addicted reader

#383 Mr. Wrong on 08.29.16 at 10:05 pm

Household – 110k
Own house, but 400k in debt :'(
80k in equity; probably less now – wife’s loosing it all… :'(

low end IT in a large cap company who’s outsourcing all the jobs to Bulgaria, China, India, Egypt.
I do spend about 6 minutes here… been doing so for the past (almost a) year -thank you very much.
insights always welcomed; sarcasm and own opinion is interesting.

#384 Tom on 08.29.16 at 10:07 pm

Age: 41
Income: 80K
Net Worth: 375K (not including paid for home)
Common law

#385 Shirley Valentine on 08.29.16 at 10:07 pm

#1 Smoking Man on 08.29.16 at 6:22 pm

Brag fest on…… 400 comments.

Ok you got one prediction right! Beauty! The WW3 ones are a tad off

This is all really really boring… jeez people..

Smokey babe..

did you know that Bill Clinton was the one that married the wiener dude!!!!!.. is that not just the weirdest thing ???

How’s the book? When do we go on the book tour?

Don’t worry I’m loaded… just don’t send me a dick pic.

#386 jj on 08.29.16 at 10:08 pm

age 50 and 45
use to own 3 houses now zero (sold in 2010, 2012,2014)
(all were completely paid for bought in 1980/ 1997,2004)

income used to be 150,000 + 95,000
went for security now and gold plated pension
now 98,000 and 92,000

Add investments income(last year 89,000)
total assets about 5.4 Million

married / 1 kid

Totally loaded in TFSA / RRSP is up there too.
Money in my Corporation / now just a holding company
IT industry- made lots from Y2K and got out of the dot.com bubble in time. (moto. ride the winning horse, but if it breaks a leg, then shoot it) and when dot com appeared to be injure . I was out the door before it can slam me in the butt

#387 HH on 08.29.16 at 10:09 pm

Retired at 65.
Easily into the 1%.
Modest home, never believed in the mansion.
Never believed in bonds, only an equity investor.
Everything reverts to the mean, even governments.

#388 HEYNOW on 08.29.16 at 10:09 pm

Age: 27
Sex: M, Single
Occupation: Risk Analyst for one of the big banks
Income: 77k
Net Worth: 110k in liquid assets
Debt: 0
I rent a 2bdrm apartment that I share with a friend

#389 Hodor on 08.29.16 at 10:09 pm

Ages: 33 and 34
Income: 750k combined
Networth: 1.2 million
Occupation: Both Physicians
Equity in home: 245k
Value of investment portfolio: 770k

#390 Ben on 08.29.16 at 10:09 pm

Age: 29
Married with two kids
Household income: $210k
Net worth: $360k
Job: Corporate VC and law firm IT

#391 joe viking on 08.29.16 at 10:12 pm

Gender: Male
Age: 46
Income: $100000 + $100000 spouse
Status: Married
Job: Teacher + software professional
NW: 1.7M depending on the markets that day

#392 EH on 08.29.16 at 10:12 pm

39yo engineer
80k income
Defined benefit pension
50k savings in self-managed ETF portfolio (virtual brokers)
Common law
One child

#393 Blessed on 08.29.16 at 10:13 pm

64 years old
$850k net worth
$600k PMs in RSP, cash, TFSA
debt – current credit card

#394 crowdedelevatorfartz on 08.29.16 at 10:13 pm

Jeez Garth.
With all the rich people lurking around this site……you could sell all the email addresses to your competitors and retire………OR keep them as future clients and , eventually own ALL the ice cream in the world!

Moo Hoo Haa Haa Haaaaaaaaa

#395 Victoria Victoria on 08.29.16 at 10:13 pm

35yo M married
141k household income
140k net worth
2k/month rent
2x DB pension

#396 CheapEngineer on 08.29.16 at 10:14 pm

Age 37
Married w/2 kids (+dog)
Single income $94k
Home in 905/GTA (paid off this year)
Net worth $750k ($350k liquid, bal. home equity)
Occupation: Mech Engineer
Key to a happy life: Live “below” your means and do it for a very long time.
Key to an even happier life: Don’t invest in anything that eats or needs paint.

#397 kc on 08.29.16 at 10:14 pm

Married 10 years
Been a daily reader since before the meltdown in 08 and never miss a day. don’t post like i used to… found a life outside the net….

income 55K house maybe 60K before taxman.
rent, net worth, 70K in cash. (not including employer rrsp) ZERO debt
Blue collar manager of manufacturing plant.

average and yes in Garth’s eyes… screwed…. But wait till the big fall of Canada hits and we are all screwed….

#398 Cdn Mom on 08.29.16 at 10:14 pm

age: 50
income: personal $12,000, blue collar household $100,000
net worth $320,000
married: 22 yrs.
4 houses
line of work: SAH mom, household manager, landlord

#399 Kris on 08.29.16 at 10:15 pm

Age: 35 (hubby 33)
Income: $140k, hubby $52k
Married 8 years, 1 kid together, 1 kid from hubby prior
Net worth: $70k or so
Profession, IT manager in local gov, he’s a parts manager at a motorsports shop. Yay for DB pension ;)
Renting a $1.5 million oceanview oversized house for $2700/month just north of West Van (sold our house 4 years ago after reading garth)
Finally paid off school, kids out of daycare, focusing on TFSAs and travel

#400 OttawaGuyRenting on 08.29.16 at 10:15 pm

40 year old male
Business Consultant – Leasing – Profitabilty Analysis
70k base varied bonus
Household income = $125k


Net worth – $350K

Working the Garth angle as best as we can

No kids. Travel.

#401 In the cold from Toronto on 08.29.16 at 10:15 pm

48 years old
Married, one kid (17 yo)
$$80,000 (mine) + $190,000 (my wife)
No debt
~ $ 350,000 in net worth, mostly in pension money
Renters, paying $2,700 / month, planning to move a a cheaper area when the kid will go to University
Product manager at a telco…
My wife is a family doctor.

#402 YLTNboomerang on 08.29.16 at 10:18 pm

Male 42, married.
Rent 2BDRM Vancouver
Assets: $1.3M – fee based discretionary advisor
Income: $225K
Occupation: Commodity marketing
Family Income: $300K

#403 W A Mozart on 08.29.16 at 10:18 pm

Age 69
Combined Income variable due to investment income gains and some capital withdrawal. Average $160K
With modest home paid it is cheaper than renting NW cross just over 7 figures.
Defined benefit plans.

#404 David on 08.29.16 at 10:20 pm

Retired . 77 years old, gay, same partner for 50 years , just survived a fight with cancer, took your advice , sold the Kerrisdale ,Vancouver house in April, for 50% of $2,420,000 ( $225,000 more than originally asked) paid off back taxes of 50% x $66,000.( We find a happy union is to keep our finances separate and share the bills!) Found a place to rent for $2,500.00 ( 2 bedroom) in the same neighbourhood. Have a net worth of
$1,300,000 safely invested in the proportions you have suggested. No debt ….now to spend it before the inevitable happens!

#405 Danish on 08.29.16 at 10:20 pm

Married, both 30, no kids yet
Rent 1bd in Toronto
Occupations: Finance & Project Management
Household Income: 140k
Household NW: 180k

#406 Vansanity on 08.29.16 at 10:21 pm

Demographics: 31 Female /33 Hubby (married no kids)
City: Vancouver
Family Income: $200k/year
Net Worth: $700,000 (40% invested with a robo advisor, and 60%cash)

Real Estate: none
Shelter: renting 1750/month
Pension (Wife -Defined contribution/ Hubby – Defined benefit)

Industry: IT/Web (Wife -private sector/ Hubby- public sector)

#407 Inottawa on 08.29.16 at 10:22 pm

31 male, wife 31, 2 and 4 year old

96k and & 83k incomes
24k in RESPs
10k savings
20k in TFSAs
180k each in DB pension value
450k mortgage on 745k house
2400/mo daycare dropping to 1300 in September. (Paid from a previous 35k investment)

#408 Yycnotretired on 08.29.16 at 10:23 pm

32, cowtown, F (not just guys going here)
Family income 225k (was a lot less last year but now both employed again)
1 screamer (he’s sweet)
No house (renting is sweet)
525k liquid ish, a few more in a DC and a bit more in hubby DB
I read this daily. Save, invest, think about your own retirement, not what you’ll be given from government. Be your own boss of your future!

#409 Anne Elk on 08.29.16 at 10:23 pm

48 & 47

household income ~ 225,000
household networth ~ 1,600,000

investments ~ 1,100,000
house (mortgage free) ~ 500,000

#410 Smoking Man on 08.29.16 at 10:24 pm

#380 Shirley Valentine on 08.29.16 at 10:07 pm
#1 Smoking Man on 08.29.16 at 6:22 pm

Brag fest on…… 400 comments.

Ok you got one prediction right! Beauty! The WW3 ones are a tad off

This is all really really boring… jeez people..

Smokey babe..

did you know that Bill Clinton was the one that married the wiener dude!!!!!.. is that not just the weirdest thing ???

How’s the book? When do we go on the book tour?

Don’t worry I’m loaded… just don’t send me a dick pic.
I would so send you a dick pic if I could produce one with pride, worthy of a pic.

Alcoholisum, cigarettes. We all make choices…

Your not going to like the ending of the book. But nectonites can go back into time and fix things..


Book 2 will have the answer to the wizard of the earth. Your not getting it on the first date….

#411 Tony on 08.29.16 at 10:24 pm

Re: #58 Anonymous on 08.29.16 at 6:50 pm

They all live in dream land. The equities market will crash right after the election. The real estate market in Vancouver is tanking and the GTA real estate market will start to tank around this Christmas. All these people are dreamers. It’s like I’ve said before on this blog the average person dies broke.

#412 jetsfan on 08.29.16 at 10:25 pm

Age 43 married w/3 kids. Wife 44.
Household income 240k employment (single income family) with DB pension. Spouse earns 50-75k using spousal loan strategy.
Home fully paid worth around 400k.
Registered investments 250k.
Non-registered 500k. Total 1.15mm.
Read “The Wealthy Barber” 20 years ago and followed the 10% rule. It’s paid off ever since.

#413 Mr and Mrs smith on 08.29.16 at 10:25 pm

Age 37 and 39
Common law 2 kids
Household income: ~$180k
Net worth: ~$1mm (includes condo about $300k)
Occupation: business analyst and engineer
We rent for ~$2000/mo all in

#414 Dude Duderson on 08.29.16 at 10:27 pm

Age: 28 Male
Location : Eastern Ontario
Income: 90k-ish +DB pension, Household 130k
Married – 1 Child
1 House – value at roughly 200k
Net worth 140k
Occupation : Police

#415 Ontario's Left Coast on 08.29.16 at 10:27 pm

49 / 48
Three kids
Utility Management (both)
2 DBs – Value not included
Household Income $300K
Home + Muskoka Cottage 950K
Non-registered 1M
Net Worth $3M

#416 Montreal38 on 08.29.16 at 10:28 pm

38 y.o., M, Montréal

Personal income: 105K, self employed
Household income: 220K

Personal networth: 595K
Household net worth: a bit over 900K

Self-employed + real estate investor (we own 20 rental units)

Married, 1 kid.

#417 double d on 08.29.16 at 10:28 pm

Age: 27
Income: 60k
Networth: -30k

New grad engineer with student debt. Single and renting in 604

#418 Grantmi on 08.29.16 at 10:29 pm

Gender: Male
Age: 56
Income: $90K+
Networth: $500K
Status: Separated (reason for low Net Worth)
Renter: Yes (See above)
Job: Sales

#419 Steve on 08.29.16 at 10:30 pm

Age: 32
Income: 65k (Self Employed, bring in 100k, expenses are somewhere in 35k range).
Married (wife income: 90k)
Net work: 100k
We Rent and live in Toronto

My wife doesn’t read this blog, but always says “with where house prices are the decision to rent or own is easy, because there isn’t one to make.”

#420 Karma on 08.29.16 at 10:31 pm


Interesting concept today. Was it inspired by this?: http://vanmag.com/city/living-on-a-lawyers-salary-in-vancouver/

Nevertheless, I’ll play along…

Age and gender: 32 and male
Income in 2015: $91k ($60k for common law GF)
Assets as of July 31, 2016 (Yes, I tally them monthly):
$828,000 if I hold my RE at cost. Using a conservative estimate of market values for my RE, Assets would go up to $995,000.
Liabilities as of July 31, 2016: $284,000.

Net worth: $544,000 at RE cost, or $711,000 at estimated Market value for RE.

RE makes up 60% of my assets, which is in-line with your rule of 90. However, these are investment properties which are both cash flow by several hundred dollars per month. I rent with my GF in Yaletown, Vancity.

CLGF’s assets:~$60k with zero liabilities. Her 2015 income was $59k.

#421 Waterloo Cop on 08.29.16 at 10:32 pm


Came today to read about DB pensions and ways to commute them. What is all this showmanship?


#422 Harbour on 08.29.16 at 10:33 pm

Silver Spoon and/or Inheritance and of course the real estate run is what made up 90% of the wealth on here tonight

Just a hunch

#423 Ricky Bobby on 08.29.16 at 10:34 pm

Age : 40 (wife 35) two Kids
Started from scratch 12 years ago (immigrated)
Income : 140K (dual Income)
Home Equity : 440,000 (on a very conservative side)
Investments : $265,000
Emergency fund & cash : $10,000
Engineer and Dietician
Net Worth : $ 705 K

#424 Anony on 08.29.16 at 10:34 pm

Age: 27
Single Male
Income $45,000
Net Worth $90,000 (self directed ETF portfolio)

Recently worked in Technical Service/Sales and now studying to be an Engineer.

#425 DB Boomer on 08.29.16 at 10:36 pm

Male 58 (Spouse 53)
Income 250,000
Net Worth 3.5 mil
Own house & cottage
Retired/Small Business Owner

#426 Shhh on 08.29.16 at 10:37 pm

Gender: Female

Age: 37

Marital status: Single

* As far as the CRA is concerned: unemployed
* Unofficially: personal assistant/emotional caregiver to a healthy, retired parent who demands so much of my time that I can’t commit to a “real” job or course of study.
* Also: entrepreneur in the start-up stage; I juggle this as best as I can with my caregiver job.

Income: six-figure loss last year; five-figure loss this year, but I’m not giving up on my dream. I do generate enough income to pay for my lifestyle when I’m not racking up losses. I fully intend to stop that madness.

Net worth: $95,000 (but it used to be more). I lie chronically about my net worth and income and pray that nobody forces me to show them the truth.

Housing: rented apartment. The parent in question prefers that I be a basement dweller (like a houseplant on a shelf), but I disagree.

#427 JoeJohn on 08.29.16 at 10:38 pm

Age: 29 year old male
Income: $55,000
Net Worth: $110,000 in stocks and cash. No debt.
Marital Status: Common law (my partner has no assets)
Home: Renter
Work: White collar
Location: Toronto

#428 Teddy Bear on 08.29.16 at 10:40 pm

age: 31
sex: Male
income: $74000
net Worth: $67000
not married
value as a person: Renter
job: Engineer

#429 Tony on 08.29.16 at 10:40 pm

Single retired at age 26. Age 58. Played pinball at the Broadway arcade in New York for money for about a decade. Was a part owner of the arcade with Steve Epstein. Bet prize fights until my health went around 1997. Day trade a lot but don’t give away any secrets on Zero Hedge. The FED and bankers in America must read that blog daily. Haven’t tried to double-cross them by posting bogus day trading systems and doing the opposite yet. Net worth in Canada well over a million. Income alternative minimum tax.

#430 Sue me on 08.29.16 at 10:40 pm

40 male
1.2m whatever 60% liquid or so?
Conservative bungalow paid no real debt tiny loc
Business consultant…proly should hide my ip…
Married longer than average
But the real question…are we happy (without enhancers)
I have all the external signs of success but I’m still not happy.

#431 Victor V on 08.29.16 at 10:40 pm

CMHC-insured mortgage arrears in Alberta increase by more than 50%


#432 Living Below Our Means on 08.29.16 at 10:41 pm

Age : 47
Sex: F
Married, 2 kids
Income: 120K
Household income: 250K
Household networth: 1.2M (invested and liquid)
Home owner for 16 years in GTA (house ~800K now)
Debt: ~ 200K (investment condo)
Investing with advisor at a big bank forever. MER fees always bothered me. Recently started investing in ETFs on my own – not too impressed with returns – yet. Feel like I want to call you Garth. Love your blog and humour. Thank you.

#433 Diversified in Oakville on 08.29.16 at 10:41 pm

Me 57, she 54.
Household income $90,000.
$1,150,000 liquid tfsa, tsp, lira, and non registered.
House and rental property.
Net worth $1,450,000
Plan to retire 2-3 years.
We are our own pension plan. CPP and OAS are only intended to be gravy.
No plan for T2 to look after us.

#434 Diversified in Oakville on 08.29.16 at 10:42 pm

Tsp should have been rsp.

#435 Victor V on 08.29.16 at 10:43 pm

Canadians’ confidence in real estate juggernaut starting to wobble, poll finds


Canadians may finally be getting skittish about real estate.

The share of survey respondents who expect a decline in local housing prices jumped by 8.5 percentage points, the most since weekly polling began three years ago for the Bloomberg Nanos Canadian Confidence Index. The increase to 20.5 per cent from 12 per cent dragged the broader sentiment index down from 2016 highs.

#436 peter on 08.29.16 at 10:43 pm

Age 38,married,truck driver,Portofolio is 80000 and income is 85000.I own a home and rent out another.Net worth around 600000.My hobby is stashing silver and ammo.
Thanks for the work you do here!

#437 IVoteIndependent on 08.29.16 at 10:44 pm

Age 50
Family Income $105k
Net Worth ~$1M Woohoo!
Own $250k house ($8k mortgage -almost done!)
Visit for financial commentary, not RE.

#438 Jonah on 08.29.16 at 10:44 pm

Age: 43
Income: I pay myself and my wife 50 thousand each per year. My corporation nets approximately 550 thousand per year.
Net worth: 3.6 million, including 900,000 home, no mortgage

#439 John on 08.29.16 at 10:46 pm

income: personal $150,000. household: $210000
Net worth: $5,000,000.
Married: 15 yrs.

#440 Context on 08.29.16 at 10:46 pm

A big bank in Canada is rolling a portfolio of MasterCard into Visa and was paying MasterCard to pay for the new Visa. I activated the new card so I could pay Visa and spent hours on the phone telling them that I cannot pay my bill because my other banks do not recognize your new card online. They tell me its my problem so might have to send them a check. Then I tried again at the Royal and they are having technical problems.

#441 Big Spenders on 08.29.16 at 10:47 pm

A couple of 48 year olds, married forever, combined income 330K+ (his is twice as big as hers), net worth ~1.6M (about a million of it in Toronto house – mortgage paid off, no debts) Both are IT full time managerial employees, paying 100K+ in taxes even after RRSP contributions – but hey, somebody has to make sure that boomers (and apparently millennials) can keep receiving free healthcare in their retirements :)

We both enjoy our stressful jobs (and probably would kill each other if stuck together doing nothing for more than two weeks), and love spending money on eating out, vacations and renovations. But as our incomes increase, it’s getting harder to spend all that we earn, so started saving & investing. Either for the private care if one if us gets a cancer, stroke or heart attack – or for a better house for our overachiever millennial (if we die quickly and early as all good citizen – and parents – should do)

Don’t plan to live too long, both are neurotic smokers & drinkers. Love reading your blog as it convinces us every day that healthy lifestyle is overrated and leads to an unhealthy obsession with how to fund a prolonged retirement. Keep up the good work! :)

#442 DJ on 08.29.16 at 10:48 pm

64 years old
married 28 years
renting fabulous ocean view
income $60,000

#443 PermanentVacation on 08.29.16 at 10:49 pm

41 year old single male
Income: $92000
Net Worth: $675000

Artist – Video Games
Currently renting

#444 rainclouds on 08.29.16 at 10:50 pm

It would appear the prognostication skills of the chain smoking, gambling, alcoholic alien, from Schlong branch are truly a wonder to behold.

Not so sure he will be as accurate in November re little fingers drumph and Bengazi Billary ………

#445 Anony-mouse on 08.29.16 at 10:50 pm

Male 38
Income $85,000
Household is same, wife is on maternity
One kid and one cat (cats are cool, dogs drool)
Net worth $160,000, balanced and diversified.
Rent modest townhouse.

#446 karl on 08.29.16 at 10:50 pm

net worth-$180k
I’ve owned ( paid it off in 82 ) a simple 1200 sq ft house for 40 years ( worth about 70 k )

#447 Cassie O'Peia on 08.29.16 at 10:51 pm

Male – mid 50’s;
Married, one 10 year old child;
Financial services;
$300,000 income;
2.4mm NW – 1.1mm investments, 1.3mm house;
Investing $60,000 per ann;
7 years to retire with $100k post tax income?

#448 Whatever on 08.29.16 at 10:53 pm

Married with 2 kids
City: Oakville (gotta move to a smaller affordable town)
Household Income~ $110,000
Net Worth: $100K
Civil Engineer

#449 Doing fine, but I'm going to do better on 08.29.16 at 10:54 pm

1. B.C. just built home, used 7 months of the year; no mortgage – value $537,000 CAD
2. Winter Vacation home in Florida, used 5 months of the year; no mortgage: $400,000 USD
3. Assets invested in the stock market: $1,077,384.05 indexed CAD & mostly USD ETF’s and USD Closed end funds.
4. Retired 8 years
5. Age 61
6. Making ~10% annual return on stocks since retirement, when I started to pay attention to it. LOL
7. Budget $65,000 CAD a year, but we’re spending ~$56,000 CAD for the last 8 years. We try to live below our means.
8. No Liabilities.
9. Started collecting my minuscule CPP at 60, but thankful to have it. Will start my SSN at 62, $1300 USD per month. Wife started collecting her CPP this year too and will collect her SSN on her 62nd birthday as well.
10. Own all our 5 vehicles, but three are old…and I work on cars and motorcycles for fun.
11. $130,000 USD in cash, in a bank … not good but a little safety net. Slowly introducing that into the market with every 10% correction.
12. No DB pensions, just what we earned, saved and invested.
13. Pay no taxes, cause avoid them, not evade them.

#450 Saint Herb on 08.29.16 at 10:55 pm

Gender: Male
Age: 46
Income: $96,000 + $96,000 spouse
Status: Married+2 Kids+1 Dog+1 Cat
Job: Teacher + Teacher
NW: 1.2M depending on the markets that day
Renting in GTA

#451 YVRMillenial91 on 08.29.16 at 10:56 pm

Age: 25
Gender: F
Annual income: $42,000
Household net worth: $50k invested
Housing: rent
Status: married

#452 Kitchenerboy on 08.29.16 at 10:57 pm

Age: 48
Income : 95000 + 45000 spouse( part-time )
Net worth : House 800000 + 1.5 Million (stocks+ETF’s)
3 kids
Occupation : Technology Teacher

#453 Bram on 08.29.16 at 10:57 pm

SW entrepreneur, 46yo.
Hard to value the company I own, but E-Van house has 1.7M equity, and stock portfolio (tsx/nyse/nasdaq) is 0.2M.

#454 Native American on 08.29.16 at 10:57 pm

#325 Native American on 08.29.16 at 9:27 pm
Post disappeared?

What did you expect? — Garth


Clearly too much…

You obviously don’t grasp how Native Americans traditionally look at wealth, from the perspective of all living creatures of Mother Earth – instead of individual humans.

You live in a land without knowing it’s true, original traditions.

But what else is expected, nothing really new here.

No surprises in the numbers you understand for sure:

According to 2006 Census data, the median income of Aboriginal people ($18,962) was considerably less than that of non-Aboriginal people ($27,097). First Nations people had the lowest median income amongst Aboriginal groups with $17,007, while Métis had the highest ($21,498) followed by Inuit ($17,268).

Fourteen per cent of Aboriginal people (excluding those living in the territories or on reserves) were employed in seasonal, contract or term work in 2010 compared to 9.8 per cent of non-Aboriginal people. In addition, as recognized in the Royal Commission on Aboriginal People, discrimination continues to constitute a barrier to employment for Aboriginal people. Inadequate and crowded housing, geographical isolation, lack of transportation and poor health and education also represent barriers to employment.

#455 PropertyGuy on 08.29.16 at 10:58 pm

Age: 47
Self Employed
Household income: 130k/yr
Household net worth: $760k (55% in RE)
Married 15 years, 3 kids.
Own house

#456 OldSchoolMilton on 08.29.16 at 10:58 pm

Age: 38
Income: 50K (me) + 50K (wife)
Work: Sales-Marketing / Owner-Incorporated business
Net: $475K…$375 is house (seems silly after only 7 years)
Other: 2 Kids, ’99 Civic (single exhaust), backyard rink, VOTED GARTH!

#457 TO dude on 08.29.16 at 10:59 pm

Married, 46, Male
Combined household income $100k
NW: 50k
Renting in Toronto
2 kids

#458 LeZouave on 08.29.16 at 11:00 pm

Age: 28, Salary:55k, Net worth:34k, Junior Engineer Living with parents. Not planning to buy a house. Investing 65% of salary into low cost index funds.

#459 lifeisgood on 08.29.16 at 11:00 pm

Gender: Male
Age: 56
Income: $60,000
Household net worth: 1.20 m.
Status: Married
Job: Retired
no house.

#460 Fifty grey hairs on 08.29.16 at 11:03 pm

Net worth: $10 million
62 years old
Happily married (2nd time around)
Gross income: $250k (from investments)
Retired from Industrial construction.
Ordinary person with both feet on ground. A typical “Millionare Next Door” as described in the book of the same name.

#461 House Poor on 08.29.16 at 11:04 pm

Female 39
Income $96K
Family income $250,000
2 kids
Networth (cash , stocks, RRSP, TFSA, RESP etc) $1.4M

Recently received an inheritance of nearly $2M (mostly in the form of real estate in our home country), which we plan to leave it for the kids.

Currently renting a detached home.
We don’t own a home.

#462 JP on 08.29.16 at 11:08 pm



Income – 75 000

Net Worth – $ 1,500,000

#463 reallyboringperson on 08.29.16 at 11:08 pm

Age: 56
Sex: Female
Income: $175,000ish
Net worth: $600,000
Favourite soccer team: Liverpool
Least favourite soccer team: Man U
Favourite cocktail: Sidecar
Pets: cats and allergic to all of them, but also love dogs
Profession: lawyer (don’t judge me)

#464 gregra on 08.29.16 at 11:08 pm

37, Married, 3 kids
Household Income: ~200k
Household net worth: ~$1m+ (500k investments, 500k house, + 1db pension)
Housing: Own
No debt
Software Developer

#465 Ricky Bobby on 08.29.16 at 11:10 pm

Age : 40 (wife 35) two Kids
Started from scratch 12 years ago (immigrated)
Income : 140K (dual Income)
Home Equity : 440,000 (on a very conservative side)
Investments : $265,000
Emergency fund & cash : $10,000
Engineer and Dietician

#466 Pacman on 08.29.16 at 11:11 pm

Age 50
Immigrated 2 years ago
Married w 2 kids in university, 1 in high school
Engineer, small business owner.
Personal Income: CAD 150K
Spouse is physician and will have her medical licensure by end of this year
Net Worth: CAD 2 million of which 200K is cash with balance invested.
Renting happily

#467 Rakiki on 08.29.16 at 11:14 pm

Wife and I age 38
Net income 125K
$400K house, paid off
$1M in stocks and ETFs
Cashout value of 2 DB pensions after tax, $500K
Total: 1.9 million. Classic millionaires next door and loving it. Semi-retirement before age 50.

#468 Metaxa on 08.29.16 at 11:15 pm

To all the readers:

Notice how often “no debt” appears in these snippets of info.
Regardless if the info is 100% true, embellished a little or manufactured of whole cloth…no debt is repeated over and over.

You pay back debt with after tax dollars.
Really think about that if you hope to emulate some of these guys/gals stories.

No debt, no debt, no debt. every night before you go to bed. Like a prayer, eh?

#469 reallyboringperson on 08.29.16 at 11:16 pm

If this blog fails as a financial/real estate site, or therapy circle for SM, it has real potential as a dating site.

#470 Anon BC on 08.29.16 at 11:20 pm

Age: 49
Resides: Vancouver
Policy Researcher
Income: $85,000 pa
Real Estate (condo): ~$975,000 (paid off)
Portfolio: ~ $1,300,000 (mostly inherited)

#471 Shirley valentine on 08.29.16 at 11:20 pm

#405 Smoking Man on 08.29.16 at 10:24 pm

#380 Shirley Valentine on 08.29.16 at 10:07 pm
#1 Smoking Man on 08.29.16 at 6:22 pm

Brag fest on…… 400 comments.

Ok you got one prediction right! Beauty! The WW3 ones are a tad off

This is all really really boring… jeez people..

Smokey babe..

did you know that Bill Clinton was the one that married the wiener dude!!!!!.. is that not just the weirdest thing ???

How’s the book? When do we go on the book tour?

Don’t worry I’m loaded… just don’t send me a dick pic.
I would so send you a dick pic if I could produce one with pride, worthy of a pic.

Alcoholisum, cigarettes. We all make choices…

Your not going to like the ending of the book. But nectonites can go back into time and fix things..


Book 2 will have the answer to the wizard of the earth. Your not getting it on the first date….

Will you live ’til Book 2 smokey babe!

#472 LV on 08.29.16 at 11:21 pm

Female 33
Husband 35
Husband income 220000
I’m currently at home with 4 kids.
Net worth ~300000

We are renting for 1500/month. I started reading here a couple of years ago. I read some to husband and convinced him to sell our Calgary area house in January. I’m trying to hold him off from buying as long as I can.

#473 Dazed on 08.29.16 at 11:21 pm

Age 46
Male, married, 3 kids,dog,cat,and a partridge in pear tree
Income 95k family income 160 k
Net worth house equity 300k and pension,rsps,resps, 950k
Current job.. Government drone

Started reading this blog about 5 years ago.. Had 6 rental properties… I sold the last one just over 2 years ago..I’d like to say I’m mad I sold and missed out on the big bucks but I had got to the point where I hated all tenants, and the government regulations basically made it intolerable. I missed out on some appreciation but I could not stand the thought of a property price crash while holding things I had grown to hate. I’m looking for a new business to start these days.

#474 only in Moncton on 08.29.16 at 11:21 pm

Age 44 + 43
Common Law (19 yrs)
Income 82k (household 132k)
NW 520k DIY
House yes (165 less 40 mort) hey its Moncton
1 Dog (sPca special)

#475 John on 08.29.16 at 11:24 pm

Male 35
Net worth $3.6M
Self Employed the last 8 years, manage a portfolio of stock and U.S. real estate investments
Income varies considerably each year
Rent an apartment in Toronto

#476 Love My Kia on 08.29.16 at 11:25 pm

Age: 48
Income: $70K – from the tax farm, not including investments
Net worth: 750K (getting closer to the 1%)
Status: single
Home owner (small house)
Work: Academic librarian (yes you need a graduate degree for that!)

#477 CB on 08.29.16 at 11:26 pm

Gender: Male
Age: 38
Income: $100,000 ($180k family)
Household net worth: $250k
Status: Married
Job: IT Consultant (wife is Nurse)
Rent $1400/mo

#478 anon as I can be on 08.29.16 at 11:29 pm

Age = 37
Income = $200k + 20k (wife)
Net worth = ~ $800K

I’m self employed IT consultant working for Australian/American IT companies (they pay significantly better than Canukistan)
Wife is Medical Office Assistant,
2 children (4 and 6 years old)

Live in Whistler and own 4 bedroom house. I eschewed your advice a few years back and alot of my net worth is on the house. Since Vail bought Whistler Blackcomb that may rise even further, but who the hell knows anyway right?

My only debt is the house.

Love your blog. Keep going.

#479 Gh in wpg on 08.29.16 at 11:30 pm

Male 44 in Winnipeg
Salary app 130k give or take 10k on bonus
Own a house with less than 10k mortgage!
Net family worth app 650k
2 kids and a wife
And a trump fan

#480 RCI on 08.29.16 at 11:32 pm

Age: 42 & 45
Income: $250k & 350k
Occupation: telco exec & MD
Net Worth: $2.5M $700k real estate $1.8M in TFSA, RRSPs & pensions.
2 kids

#481 Vancouverless on 08.29.16 at 11:32 pm

@ #364 Pedantic

Keep at it! Late is better than never like so many people. Unf*cking your finances before age 35 is far easier than at 55. You’ve got lots of time before you actually have to retire and worry about what you’ve saved and have growing.

#482 MinInMission on 08.29.16 at 11:34 pm

Male @ 64
Income @ $60K
“Domestic Partnership” @ 15 yrs
Family income @ $125K
Fraser Valley, BC
NW @ $800K (approx) (house not included)
House @ clearhold

#483 Torontonians on 08.29.16 at 11:34 pm

36 Years old
Married, 2 children
Living in Toronto
We’re both Physicians
Combined Annual Salary $800,000
Net Worth 1.2 Million

#484 dogman01 on 08.29.16 at 11:35 pm

Gender: Male
Age: 49
Income: $175,000
Household net worth: 800K (& 2 DB pensions; commuted say $700 K before tax)
Status: Married
Job: yep
House : Sub Average but its all mine! (not in above)
Got Cats, nice ones…really

#485 Texasboy on 08.29.16 at 11:35 pm

Male, 49
Married+3 (second wives are awesome)
Dogs: 1 (border collies are awesome)
Household income: US$800K-1.2M
Net worth: >US$6M
House: US$450K (Texas is awesome)

#486 SJF in 312 on 08.29.16 at 11:37 pm

Age 54
Household income $200k USD
DINKs with TN
Thanks to the combined Roth 401k and individual Roth IRA, over age 50, providing us with annual tax free contribution limits of $61k. Just might be able to retire by 62.

#487 Mely on 08.29.16 at 11:38 pm

Age: 43
Status: married with a two year old
Household Income: $300k
Own a house in downtown Toronto (OSB on mortgage $200k)
Net worth: $1M (excluding house)
Professional working in commercial real estate (non-res)

#488 Love My Kia on 08.29.16 at 11:43 pm

I noticed that women make less money than their husbands, even with f/t jobs here.

So much for income equality.

#489 Varus on 08.29.16 at 11:44 pm

Gender: Male
Age: 36
Income: $375,000
Household net worth: 2.20 m (stocks)
Status: Single
Job: Consultant

#490 Responsible and happy on 08.29.16 at 11:45 pm

Gender: male
Age: 27
2 Kids
Family income: 85k plus whatever welfare JT gives me
Liquid: $175k as per god turner
House: 20% down on 377k wooden box recently
Technologist with DB pension

Fully funded RESP over finished basement anyday!

#491 Another Albertan on 08.29.16 at 11:48 pm

For those who might be a bit down on themselves after reading some of these posts:

Don’t even try to attempt an apples-to-apples comparison. Even if the figures here are honest, there is significant self-selection here and there are also too many peripheral and undisclosed factors that can affect the analyses, including:

– if someone is single, married, or divorced, and when these events occurred
– if illness or injury has occurred (or if one had to tend to someone else on a prolonged basis)
– (un)employment history
– when/if RE was purchased and where
– if there was a Bank of Mom and Dad involved
– pensioned employment (or not)
– cost base of all investments, including RE
– owning (and selling) a business in boom times can yield very large payouts
– owning (and BK’ing) a business in bust times can leave one owing on large personal guarantees

I won’t touch on “working hard”, as many believe they work(ed) comparatively harder than others. I won’t touch on “luck”, since admission of being “at the right place at the right time” is rare. People typically get pissy when one digs into these factors.

Lincoln’s Gettysburg speech addressed equality. What wasn’t said is that people are not equal at all times. Past certain stages, life has a peculiar way of giving and taking, be it health, finances, circumstances, etc. We don’t know all the costs that were incurred to get a person or a family to this point. Fortunately, there do not appear to be many dick-ish posts tonight.

In the meantime, keep your stick on the ice.

Everyone else’s mileage may vary.

#492 in sauga on 08.29.16 at 11:51 pm

I should have been a doc or a lawyer… or something with software, still don’t see how that makes money

33/30 two kiddos!

Income 160,000 and growing (insurance guru)
Wifey still in school, I get to retire once she starts working!!

NW $1 million plus, 90/10 house/cars. I know silly me, live is too short to drive crappy cars :)

Well RESPs are maxed and plan on maxing tfsas next year, hoping for a correction first.

And the client book is worth .5 mil so net worth is higher but who cares money is irrelevant. Health, time and watching your kids grow is what really matters in the end.

#493 Danny the Tranny on 08.29.16 at 11:52 pm

No Kids
Income $158K/year
Net worth $1.7M
Lounge dancer

#494 Guy on 08.29.16 at 11:55 pm

Age 45 married
Job Income 100k+10k
Net worth ~900k
(3 houses=$950k,debt=375k, invested=350k)
Rent income =40k

#495 nad on 08.29.16 at 11:55 pm

Hello from Lethbridge Ab.
36 years old
55 k / yr
5k PM
55K paid on mortgage 85k left
locked in at 3.89 another 8yr. and paid

now that I got that out of the way I’ll go back and read about how low i am on the totem pole :)

Thanks for all the insights Mr. T

#496 Mark on 08.29.16 at 11:56 pm

This was fun last time we did this…

32 m
~ $150k net worth incl. Govt pension
Almost married (but not yet!)
No house
$1200/mth rent
Infinitely depressed about housing prices

#497 Ced on 08.29.16 at 11:58 pm

M 34.
Work at a bank on mortgage policy. Wife in healthcare, combined income of 130k.
Rent downtown toronto.
Assets of 50k, had a lot more but stock choices tanked (blackberry, oil and gas).
1 dog, 1 motorcycle.
No parental support for anything financial.

#498 Cherry Popped on 08.30.16 at 12:01 am

Age: 31
Income: $70k
Household: $100k
Net Worth: $50k
Profession: Tax Acct
City: Vancouver
House: Rent

#499 Fortyish on 08.30.16 at 12:02 am

Age: 47
Income: 105k
Net worth: 280k
Divorced, no kids, rent

#500 Anonymous on 08.30.16 at 12:02 am

$40k salary income
Incorporated small business owner
Owner in Toronto

#501 Safetee on 08.30.16 at 12:04 am

Age: 30
Income: 102000
Net worth: 200000

#502 GTA Renter on 08.30.16 at 12:09 am

Male 36
Married with no kids
Income ~101k, wife works part time for ~25k per year.
Net worth ~210k (low cost index funds and ETFs in TFSA + RRSPs)
Former home owner but currently renting

#503 chumpy le chump on 08.30.16 at 12:11 am

Male,45 years old
made $235,000 last year
rent a home
net worth is $525,000 (see “divorced”)

#504 Retired on 08.30.16 at 12:21 am

72 wife 73
54 years of great trust and enjoyment
as we just sold our place for 455,000 will now be able to use the rule of 90
income 2200 jointly
net worth tsfa rif and investments 600,000 – the 60,000we are paying for mobile home living within our means but are able to travel Thanks Garth and Co. and Your Money of Your life by Joe Dominguez and Vicki Robin

#505 Setting the Record Straight on 08.30.16 at 12:21 am

Question: the Blog talks about “average” numbers such as average savings and average house price. So the median numbers would be lower. Or were you using average in a mor colloquial way?

#506 SC on 08.30.16 at 12:23 am

gender: Male

status: Single, in 11yr relationship w/long-suffering girlfriend

age: 45

income: $65K, Independent Graphic Designer

net worth: $425,000 (cash, investments, TSFA, RRSP)

other info:
– Renting: West Side Vancouver, 1-bedroom apartment (NOT shared with long-suffering girlfriend)
– Monthly Housing Costs: <$800 rent, ~$20 hydro
– debt free

#507 H on 08.30.16 at 12:23 am

Age 39
Income 90k
Net worth 400k

#508 WalMark of Sadkatoon on 08.30.16 at 12:24 am

Looks like regardless of age or net worth everybody likes to whip out their epeen

Sadly predictable

#509 Gen X Confessions on 08.30.16 at 12:24 am

Age: 37
Household Income: $170,000
Household Net Worth: 1.1 Million (56% investments)
Married 14 years
House owned

#510 Anon on 08.30.16 at 12:29 am

Gender: Male
Age: 44
Status: Married, 1 Child
Income: $65k / year
Net Worth: $1.1m ($350k home equity, $350k RRSP, $400k other non registered investments).

#511 MissConstrued on 08.30.16 at 12:30 am

Never seen so many comments on one post. Guilty of loitering on this blog. Here goes:

Gender: Female
Age: 43.75
Status: Married
Net Worth: $900K (not including spouse or RESP)
Income: $105K +-
Digs: Own SFD – no mortgage
Job: Pathetic blog reader
Screamers: 2 teens, 15 & 17
RESP: $50K (ex-hubby to cough up other half)

#512 Vancouver Kate on 08.30.16 at 12:31 am

Gender: Female
Age: 35
Income: $116,000; husband’s income is $100k; household = $216k
Household net worth: $0? $250k savings/investments and defined benefit pension, but $1.3million mortgage. (Vancouver)
House: Own, see above.
Status: Married
Job: HR Manager
no house.

#513 Vancouver Kate on 08.30.16 at 12:32 am

Thank you for this blog Garth! I think you have a lot of somewhat normal working Canadians who just never comment, but we read, learn and appreciate your efforts. Thank you.

#514 LOIRE on 08.30.16 at 12:33 am

AGE 65
tofino..lg duplex rental income prop. bought in 2001 now 90% mortgage free
tofino .. own a small hotel then built a vacation rental property management corp. to double down on accommodation 2003 .. 30% loan on appraised value
2,200,000 net worth 19% house
dividend and rental income
started with a 15,000.00 loan from The Women’s Enterprise Society Kelowna BC… 1995
grade 11 education, travelled the world all through the 70’s …work/travel, like that. best time ever..no desire to travel in ” retirement ” cause world pop. 3.8 billion 1970…7.5 billion 2016.
self employed, self taught.. avid reader…read this blog

#515 WUL on 08.30.16 at 12:34 am

Reality check and perspective. I ran into my favourite panhandler tonight when I strolled down to the booze emporium here in Ft. Mac to pick up two cans of Old Milwaukee. Harvey, a First Nations fellow who hangs at the Mac’s at Confederation Drive and Millenium Drive. I empty my pockets every time I see him but in our cashless society, it ain’t much.

If he was named after his eyes, it would be First & Third.

IQ off the charts and a heart the size of Manitoba. I ask him to recite the third and fourth verses of Desiderata and he nails it.

Never granted a single opportunity his whole life.

Smoking Man would make him a full partner. Count your blessings.

#516 pipervet on 08.30.16 at 12:36 am

Age: 54
Income: $175K with spouse (spouse retired, I’m a veterinarian)
Net Worth: $2.7M (22% house / 50% corporation / 28% open investment/TFSA/RRSP)

#517 Setting the Record Straight on 08.30.16 at 12:37 am

Interesting stories tonite.
Three of four wealthy people/households. A couple mo who have a shot at becoming wealthy. Most of us middle class or people with incomes and plans that will make them Middle class– that is people would can support themselves in a reasonable manner without employment and without taking undue investment risk.

Middle class status today for probably requires about 2 million to 8 million net worth including real estate in 2016. At 2 percent inflation a 36 year old today would need about 4 to 16 million by the age of 72.

The gubmerments propaganda that places middle income working people in the middle class is just to keep th citizenry placated.

Even if we take Mr. Turner’s approx 300000 with liquid assets of 1 mm the size of th middle class is extraordinarily small.

Also a minor illustration of the evil effects of the policy central bankers who define price stability as 2 percent inflation.

#518 RaverMtnMan on 08.30.16 at 12:37 am

Gender: Male
Age: 53
Income: $50,000 (deliberately kept low)
Household net worth: CAD$6.60million – all in US$ stocks
Status: Married (30 years)
Job: Semi-Retired
Sold house in 2012 & currently renting in YVR; invested in US$ & US Stocks; Built up wealth from 0 – no help from parents etc.
No debt; Have 8 year old car; Live simple life

#519 Jackie Treehorn on 08.30.16 at 12:38 am

Age: 47
Income: $300K/year
Net worth: $6.5M, liquid
Status: single, renting
Occupation: Entrepreneur

Entertaining as the chumps in the peanut gallery can be, I don’t really think of them as my peer group. But I do enjoy the blog Garth, keep it up (the blog that is).

#520 Canadian in LA. on 08.30.16 at 12:39 am

38/M engineer income USD$225k net worth USD$1.4m
USD$0.0m principle residence
USD$2.2m residential rental property
USD$-1.1m mortgage loans
USD$0.3m other investments/cash
Married with one kid

I love your blog but I’m addicted to real estate. The balanced approach wasn’t working out for me at all.

#521 No house on 08.30.16 at 12:41 am

Married – 5 yrs
37. Wife is 35
2 kids under 3
Household income = 350K
Net worth = 3,275,000 (775K usd)
Recently sold our house, now renting.

#522 Rob `n Rob on 08.30.16 at 12:42 am

Ages 56 & 61
Income: 115K
Net Worth: 950K
(Retired + Part Time)(Between jobs)

#523 Jaycee on 08.30.16 at 12:43 am

38 & 37 & 4
Household income $170k
Net worth including real estate $900k

#524 Lexi on 08.30.16 at 12:44 am

Male 50 / Wife 61
Happily Married for 20 + as far as I know!
Art Director / Advertising Sales
No Pension / Pension
100k / 100k
Sadly no children and there is no family leaving us anything accept maybe holy bread.
Sold the house in YVR 3 years ago, lousy timing……
All in with Odlum Brown 1 Mil.
Renting 1,700 a month.

We are invested because of learning from your blog.

Thank You Mr. Turner

#525 cmj on 08.30.16 at 12:44 am

Gender :female
married, retired, personal income:87k Joint income:175k $175,000 We own our own home in South Surrey, B.C.
Net worth: 2.6 million of which home is 1.4 million balanced portfolio of ETF equities and some individual stocks

#526 Guillaume on 08.30.16 at 12:46 am

45 year old, married for 15 years with three kids 3 to 10 year old.
Fresh immigrant from France (baker) just launched my retail business in BC in 2014.

owner of a 300k house and a 300k commercial building, business assets 150k
Mortgage 150K
Business income net 60k (the wife and I both working in it)
Only 10k in cash for emergency savings … plan to stuff our TFSA up to 300K before retirement

Send at least one kid to be a RCMP officer, one to the university (stuffing RESP up to 100K) and one kid to take over the business !
Thanks Garth

#527 Anon - R on 08.30.16 at 12:49 am

59 yr old male
salary is 150K
Net worth >1.8M,
1.1M is financials & the rest in 1 house, DB pension & toys (motorcycles =4 and yacht)
married 32 years (to the same woman)
zero debt, LOC & CCs paid off monthly

above average on most metrics, except height but I have length where it counts

a pair of fee based advisors, one being a math/spreadsheet wizard

(blog comment name changed for insecurity purposes)

#528 AG on 08.30.16 at 12:50 am

Female, 29, married
Husband also 29
Both Canadian but currently non-residents
Combined income – US$ 200k
Current net worth – CDN$975k (includes two Toronto condos I would love to offload)
Renting current place. No plans to purchase in the near future. Working on building a balanced portfolio. Want to retire by 40.
Read your blog daily, love it!

#529 Happily debt free on 08.30.16 at 12:54 am

Female 35
Married with two kids
Income ~ 90K USD
Household income ~ 240K USD
Both my husband and I work remotely for American companies.
Renting in Saskatoon.
No interest in owning a house (after losing money on a house in Quebec).
Net worth ~$450,000

#530 Eric on 08.30.16 at 12:57 am

Age 34
1 child
Joint income=$300,000/year
Net worth = $600,000 (100% invested, 0% real estate)

#531 BMc in the OKV on 08.30.16 at 12:59 am

Age: 49
Married with three kids (16, 13, 11)
Household income: $145k – all me. Wife stays home.
Net worth: $650k
Job: Air Traffic Controller

We are renters. Missed the boom in 04/05 so the wife could be a stay at home mom.

Motto: I need forever money, not a forever home.

#532 Big Al on 08.30.16 at 1:01 am

Male 53
Income $94k
No kids, never married
Net worth $190k
Own home $67k mortgage
Trucker with my own truck and trailer hauling grain on the prairies.

#533 Que Sera Sera on 08.30.16 at 1:04 am

F, 36,
Income 65K
Net Worth 2K
Work in Health Care publicly & privately

#534 Vyr anon on 08.30.16 at 1:06 am

Age: 39,35
Married, 1 kid, YVR
Income: combined ~300k pre tax (200k plus variable bonuses, rrsp matching, and benefits)
Net worth: 1.25M (all Liquid, diversified couch potato style portfolio, tfsa/rrsp maxed)
Saved the hard way; no YVR RE
Still a renter 1200/mo

#535 Rent in the city on 08.30.16 at 1:07 am

Female 44
Married, 3 kids
Household Income 207,000
Net worth 889,000 (liquid)
Own house abroad
Rent in the city

#536 AB/BC Split Personality on 08.30.16 at 1:10 am

Gender: Male
Age: 46
Occupation: CEO
Annual income: $520,000 ($450,000 +/- annually, plus wife’s $73,000)
Education: MBA, MA (Wife: MSc)
Net worth: $5.2million (~ $1 million investment portfolio – 20% ZCN, 20% ZSP, 20% ZEA, 15% ZRE, 25% ZAG, ~ $3 million shares in private business, ~ $800K home in Victoria, BC, ~ $400K condo in Calgary, AB)

Many long hours over a decade spent building a profitable, mid-sized corporation from scratch, including a lot of stress and sleepless nights in the early years, worried about whether we’d meet the next payroll, have yielded a comfortable life for my family and I.

#537 Calgal on 08.30.16 at 1:10 am

57 yo widow
Own home, retired at 50 from oil biz, 1.7M

#538 burnabyrenter on 08.30.16 at 1:16 am

36 and husband 39
income: $85k (sales) and $110k (husband-software development mgr)
2 kids under age 6
net worth: $850k (mostly selling yvr RE – got out in late 2014)
Was about to grossly overpay in 2015 (bidding war with 22 offers on the North Shore!) but then I discovered your blog so thank you!!!!

#539 Fortune500 on 08.30.16 at 1:20 am

Age: Me 36, her 33
Overseas educators
Married 3 children
Income: $250,000+ combined
Net Worth: $650,000 investment portfolio
No inheritances or ‘gifts’, completely self made
No debt
Have traveled to 50+ countries

#540 SoggyShorts on 08.30.16 at 1:22 am

Male 37 married 13 years
Household income 220K
(dividend ~50k each rest invested)
No Kids
300K in a balanced portfolio
started our own company a few years ago

#541 Anon on 08.30.16 at 1:23 am

your age : 38
income: ~$65 000 household ~$145 000
net worth: ~$400 000 household
have a house: original price (2009) $284 000 remaining mortgage ~$150 000

#542 Fortune500 on 08.30.16 at 1:26 am

PS – Good Job Everyone! Keep it up!

PPS – In fairness … Selection Bias

#543 K2 on 08.30.16 at 1:26 am

Regular reader Garth and we love your practical advice, incite full insights and commentary on all things!

62 and 55
Own Kelowna house – no mortgage
Net worth 2.5m ( not incl house)
Income from investments 150K

#544 North vanigans on 08.30.16 at 1:27 am

45 and 51 year old couple with 12 and 14 year old kids
$250,000 household income
Rent $4000/mo. house in North Vancouver
Net worth: 1.4 million
Real estate: 0
Debt: 0

#545 Garth, Do Again After RE Crash on 08.30.16 at 1:29 am

Either you managed to pinch almost all of the 298,000, which is unlikely, or there is a lot of creative accounting going on in the Comments section today (not surprising considering the financial literacy you post often here about coming from your disciples) or you really do have a well healed following, on screen at least.

Read lots of net worth from RE in YVR and 416. Do this again at the end of October and compare again.

Curious as to how much wealth was lost after RE crash.

#546 I'll Play Too... on 08.30.16 at 1:29 am

If anyone makes it this far down the comments……….. you need to get a life.

Male, 44.
Single, no kids.
Electrician, $100k+/yr.
$350k +/- invested, $80k cash.
House paid off, worth +/- $280k.
No debt.

Have checked ‘commenting on this blog’ off bucket list and can now quietly leave this mortal coil.

Thanks Garth!

#547 White Rock Jerry on 08.30.16 at 1:30 am

Male, age 63
Gross Household Income: $60K per year
Household Net Worth: $800K (mostly real estate)
Married (same sex), retired, own and live in a townhouse.

#548 Don on 08.30.16 at 1:30 am

69 retired (7 years), married, Edmonton

income approx $80K

savings approx $150K

net worth approx $1.4 million

no (zero) debt, pay cash for everything

own primary residence and a vacation home in another province

#549 Jinx on 08.30.16 at 1:30 am

Income: around 100K
Network: Just over 100K

#550 Eric on 08.30.16 at 1:42 am

Male, 30
City: Victoria
Income: 75k
Net Worth: 100k (50k invested, 50k in cash for a house I can’t afford).
gf makes less, has about 50k cash for the house too.
Probably gonna give up on the house dream and invest more of the cash soon.

#551 Don't Be A Hater on 08.30.16 at 1:51 am

Garth, love the blog! First time poster.

Male 40
Three dependants, including wife
One dog
Income ~$450,000 and climbing thanks to leading role with generous employer
Net worth ex real estate ~$8,000,000 invested in public and private investments through corporate holding entities plus ~$1,800,000 in RRSP, RESP, TFSA, 401k, DC pension plan
Direct owned Real Estate ~$4,000,000
Debt ~$900,000

Here’s the kicker…no help from any family other than education paid for as a young buck, no questions asked.

This is all due to hard work and sacrifice and using what is between my ears (smart enough to know a good opportunity, smarter to trust others to find them). All you folks with inheritances are damn fortunate!

Plan is to get to $30 million in net worth by 55 and then relax a bit. Manage investments and learn to put my feet up!

#552 Pete on 08.30.16 at 1:53 am

Funny thing,
I didn’t see anyone listing their precious metals holdings. I guess the gold-bug guys know enough not to advertise what they have.
As far as I remember the last time you did this you followed it up a day or two later with a statement about how the CRA had demanded the IP’s of all of the commenters so they could verify against their own files.

#553 Half Full on 08.30.16 at 1:54 am

Ages 43 and 38
Married with two kids
Income 20,000
Family income 130,000
Net worth $635,000 invested, plus pensions
Teacher and Paramedic

#554 Anonym on 08.30.16 at 1:57 am

Age: 37
Income: $250,000
Net worth: $2,1m
Work: Self Employed

#555 Fortune500 on 08.30.16 at 1:57 am

#293 Don’t assume people have been at these salaries for years. We made far less previously

Also, it doesn’t account for things like years in school. I was 24 when I graduated and 27 when I paid off my debts. Some people were out working in trades or the like immediately.

It doesn’t account for tens of thousands of dollars spent on trying to have a family, or medical emergencies, or other ‘life’ events.

Final thought. I spent some time talking to a family who had sailed the world with their children for 9 years during their formative years. They are not ‘set’ financially, but they have a decent plan. I would trade many of the multi-million dollar net worth situations mentioned here with these folks in a heartbeat.

Soon we bury a very close friend. Life isn’t all about numbers and spreadsheets.

#556 Ponzius Pilatus on 08.30.16 at 1:57 am

Make sure you’ve got receipts when CRA comes a calling.
The more you brag, the more they ding you.

#557 FLR on 08.30.16 at 2:03 am

Male, 36 – married – wife 39
Income: 95k + 85K (wife)
1x baby
Renting 50’s rancher in burbs of Port Moody…
Net worth abt 250k total (savings/rrsp/tfsa/foreign real estate) – wife has become increasingly house horny… but have so far been able to convince her to keep renting.
Putting away abt 50% of our monthly earnings into savings/etf’s…

#558 Sailorgal on 08.30.16 at 2:07 am

Female, 57
Widowed & single, 2 kids (19 & 23)
Income $65K
Net Worth $585K ($60K TFSA; $81K RRSP)
No House
No Debt but no assets except ’06 Mazda.
Kids & I live rent free with my generous elderly mom which is mutually beneficial and allows me to save $$$.
Gov’t job with 8 years on DB pension.

Addicted to your blog, Garth, thanks :)

#559 Ponzius Pilatus on 08.30.16 at 2:09 am

On the Internet, everyone is a millionaire.

#560 Anon as usual on 08.30.16 at 2:14 am

Female 39
Income 350k
Family income 550k
Net worth 2.8m

#561 Hash on 08.30.16 at 2:16 am

Age:40/spouse 32
Income 75k+55k
No house (wish I hadn’t started reading this blog in 2010 or I certainly would have bought one cheap. Now kinds of given up on the Homeownership dream (with prices today).
2 kids (4 yr and 4 mos.)
Rent obviously because I made the logical decision reading up in this blog. Don’t believe it was the right decision but then hindsight is always 20/20
NW: about 500k (43k+44k TFSA, 100k RRSP, 25K stocks in cash account and rest in cash).
Me accountant CPA; she retail consultant at head office.

#562 fishman on 08.30.16 at 2:19 am

male 66

income $40,000. The cash the biz throws off goes to the kid cause he’s running 90% of the show.

net worth 7 million & yes I rent, sort of,from myself.

#563 Scrivener on 08.30.16 at 2:20 am

About Me:

Age: 33
Gender: Male (married, childfree)
Income: 88K
Family Income: 135K
Liquid Assets: 80K
Home Equity: 70K
Mortgage: 170K
Line of work: Federal Government (my wife and I)

Net Worth: -20K

#564 homeless on 08.30.16 at 2:24 am

male 52
Income $110k
net worth $600k+dc
no kids, wife or dog
no debt
no house, renting in yvr

#565 Ryan Perich on 08.30.16 at 2:25 am

interesting how teachers posting here making about 100k, and 30 years later have saved nothing personally, never run out of ever increasing pay. Sustainability = yes ? teaching kids times tables, cursive writing, analog clocks and organic chemistry in high school in university prep classes = no…?

age : 41
income : 38k working a temp part time job
income when employed as chemical analyst in Alberta – under 40k
savings : $145k, ALL of it due to inheritance from rich Aunt, otherwise was 30k in debt, most of it due to dental crown & bridge replacement after 20 years.

#566 Anon. on 08.30.16 at 2:25 am

$80000.00 (sounds so paltry, but considering the debt we were in 12 years ago, this is so much better)
married, no children, one geriatric cat
special snowflake clerical

#567 I'm Still Around on 08.30.16 at 2:26 am

Age – 33
Family Income – $150k
NW – $265k combined
Job – Accountant

#568 Cloudy on 08.30.16 at 2:37 am

Ah I hate reducing my anonymity.

Household Salary: $130K (more from me: full time public servant, than her: part time healthcare)

Age: 32

Net worth: maybe $100K? I worked like a dog to pay for my wife’s schooling a few years ago. Having trouble playing catch up now with the kid.

Married, one toddler, one big dog

Rent probably one of the cheapest places of anyone I know.

#569 You Know Me on 08.30.16 at 2:49 am

Male 65, retired engineer since age of 56
Net Worth: $1.4M in liquid assets
Income: pretty much whatever I decide, within reason. Currently, $4000/mo from investments plus $620 CPP and $550 OAP. ($62K per year)
Married, no kids.
Rent. Don’t own real estate (but once did)

#570 Spaccone on 08.30.16 at 2:53 am

Jesus, is everyone in Canada secretly rich!? Having some envy at not being that special here, and the $200k+ incomes just boggle my mind.

Single. 40. Male. Not high level white collar work.

Parent’s basement (except right now, not sure if Garth can deduce my location overseas in an overpriced city)

Working Income: <$30k (working in a month what many do in a week, though it feels way more than that)
Portfolio Income/Gains: not sure, maybe/hopefully $30-$50k
Net worth: $1.04mm

I would rather have half what I have and have a nice girl…hmmm…

#571 Steve French on 08.30.16 at 2:54 am

Age: 43
Income: $103,000 (in Australia)
Net Worth: $220,000 (education career takes a long time to get started, but now i’m saving like a fiend.. net worth was built in last 4 years)
Marital Status: Single
Housing Situation: Renter!
Field of Work: Education

My plan is to continue to rent and start moving my cash into a balanced and diversified portfolio … just like Sir Garth tells us to.

In 10 years I’ll be worth more than Smoking Man…

#572 Not real doctors on 08.30.16 at 2:57 am

Age: 34/33
Income: 130k (+bonus)/150k (+bonus)
Net worth: ~420k (all liquid invested across TFSAs, RRSPs, and non-registered accounts. No financial help from parents/family.
Happily renting in downtown Toronto
Spent many years in school accumulating too many degrees and now catching up. Also ‘invested’ >100k on extensive travel over past 10 years, which has paid off tremendously (just not financially).
No kids yet.

#573 anon on 08.30.16 at 3:02 am

M 35
Income: ~95K, household ~ 200K
Net worth: ~900K
Married – 1 kid
Homeowner in TO

#574 Matt Foley on 08.30.16 at 3:08 am

Male 35
Thrice divorced
Occupation: Motivational Speaker
Income: Will work for coffee or Nodos
Assets: 1 van parked down by the river

#575 Brazil ex-pat on 08.30.16 at 3:19 am

Interesting reading about the soon to not be millionaires…..

#576 BattleRagesOn on 08.30.16 at 3:23 am

Gender: Male
Age: 32
Status: Married
House hold Income: 90K + 65K(wife)
NW: 1.8 Million
Job: Hockey coach
Housing: Currently renting detached home abroad. Own 4 rentals in Ontario

Love the blog Garth and can’t wait for your play-by-play of the coming housing correction!!

#577 jane 24 on 08.30.16 at 3:24 am

Lady punter


Retired at 59, couldn’t make the fabled Freedom 55.

Monthly Income from pensions and investments – $5250 Cdn

Net worth – $ 2 million Cdn and worked bloody hard to make it too!

Do not use these facts for marketing spam Garth!!!

Never. — Garth

#578 Stomper on 08.30.16 at 3:49 am

Age 53
Combined Income $300,000
Net worth $1.5m

#579 Strong on 08.30.16 at 6:01 am

Age 43 / wife 38
Income: 80k / 77k
Both work for Government
Net worth : $675ish
Northern GTA

#580 Adam on 08.30.16 at 6:07 am

Male 31
Income $69,000 average
Single, never married, no kids (hard to rind a right-wing gal in an NDP bastion) in Windsor, Ontario. Steel worker for past 2 years.

Home owner (value $116,000) with HELOC
Networth approx $122,500 with $80,000 invested, excluding DC pension and Saskatchewan Pension Plan (also DC).

Savings = $0. All cash flow goes into the HELOC to minimize interest charges, only draw on it to rebalance investments.

#581 CanukInAugusta on 08.30.16 at 6:11 am

Male, age 55, household income=$200k, savings=$1.2, Mortgage=$158K, married, 2 kids

#582 Stupesing in Cabbagetown on 08.30.16 at 6:27 am

Age: 57
Sex: Female
Profession: Corporate communications
Income: $63,000
Net Worth: 65k in LIRA, RRSP, TFSA + a DB pension plan
Marital Status: formerly married
1 adult daughter (recently moved back in to complete a college program)

My marriage blew-up in the early ’90s when my life partner – the father of my child – developed a cocaine addiction. The bank took back the house and bankruptcy followed. I subsequently lost my job during the mid-decade recession and soon the RRSPs were gone too. I raised my daughter as a single parent without the benefit of court-ordered child support. I worked temp and contract jobs for several years until I landed a permanent position (with bennies). Net worth should be higher but sometimes saving and investing are just not possible.

#583 Nick on 08.30.16 at 6:28 am

Age: 34
Sex: Male
Married: Yes
Household Income: ~$100K/year
Occupation: Software Developer
Net worth: $775,000
House: No, we rent
Kids: A two year old

Some people have impressive net worth’s for such young ages. Good job and I’m working towards that so I can retire early. Thanks Garth & Co and MM and FireCracker!

#584 Elmer J. Fudd on 08.30.16 at 6:34 am

My Name is Elmer J. Fudd.
I own a mansion und a yacht.


#585 The Nature Boy on 08.30.16 at 6:43 am

52 yo

currently unemployed
renting small home
net worth $75k
small gov’t pension: $2k net monthly
married, empty nesters, wife works p/t
Going to Australia for 2 months then Jasper for a week

#586 Striker on 08.30.16 at 6:56 am

Numbers are all over the place. Average seems very misleading… will be interesting to see some statistics on these posted values.
Male, 33, married, 1st kid on the way, combined gross annual $200K, combined NW $450K ($300K investments/$150K house), own with $180K mortgage remaining, engineer & nurse.
Keep up the great work Garth.

#587 Md on 08.30.16 at 7:05 am

Male 35 wife 35 baby 5 months
House hold income 90,000
Own condo. No mortgage
Net worth 450,000
Construction and hair stylist

#588 bguy1 on 08.30.16 at 7:08 am

32, Married, household income: $70,000, net worth: $320,000, no house; renters

#589 davikk on 08.30.16 at 7:12 am

Fear Spreads of a Housing Crash in Canada


#590 Danforth on 08.30.16 at 7:18 am

age = 44
income = 115K / y.
net worth = 1M

investment holdings = 300K
real estate = 700K (no mortgage)
monthly contribution to nest egg = $3800
employer pension = none
gender = M
family status = single, no kids

#591 Ann Onymous on 08.30.16 at 7:19 am

– Female
– Age: 40
– income: GBP 110,000
– Net worth: CAD 200,000+
– I have never bought a house and have always rented as have moved for work numerous times.
– Am employed in finance
– Single & never married
– No kids but I have a dog

#592 pBrasseur on 08.30.16 at 7:19 am

Male 57 (In great shape but it still pisses me off)
In free union for 22 years
About 120K household 250K
Financial assets 2M, household 3M
House owner, nice house, big enough, not to much.
I ride a motorcycle, not a Harley ;)
Planning to retire in 2017

#593 DTM on 08.30.16 at 7:27 am

Male, Engineer for the Government, age 33, household income $100k, Married (stay at home wife), 2 kids (3 and 5) Net worth=200k (includes investments, estimated equity in house and pension transfer value)

#594 mishuko on 08.30.16 at 7:34 am

Sex: yes please…. wait I mean male

Age: 28

Income: 50k

Net worth: 20k

Job: mid office account manager schmuck at a big bank

Dammit mommy told me I’m special but my average income or well flaccid when compared to everyone who posts. Ouch

#595 Mike on 08.30.16 at 7:35 am

Single male,draftsman, 32, income $75k, living with grandma, net worth $20k (horribly invested in blood-sucking mutuals). Sounds a lot worse on paper. But I have a bicycle.

#596 mitzerboy aka queencitykid on 08.30.16 at 7:35 am

i spent all my money on
wine, women and song
the rest i just blew

#597 B on 08.30.16 at 7:44 am

30 y-o, income of $70k (6 weeks vacation!), Married, household income of $150k, net worth of $220k, not a dime of debt. Both engineers in Ottawa. Renting house at $1600 per month in nice neighborhood, ride bike to work, only one car. On track to have $1M at 40. Couch potato/Garth style balanced ETF portfolio.

May be looking to buy house when the rent gig is up, but open to renting for cheap again in short to medium term. Plan is to ensure kids can stay in the same high school if possible for academic stability , then sell the house, semi retire, and run small business with my wife.

#598 Zvok on 08.30.16 at 7:50 am

Male, 40
2 kids in grade school
Income: 125K
Occupation: engineer
NW: 350K (not enough, I know, but working on it)

#599 Nathan on 08.30.16 at 7:51 am

I’m 32, married and renting from parents. Income for both of us: ~80,000. Net worth ~15000, no debt at all.

#600 Param on 08.30.16 at 7:53 am

Male, 33 – married – wife 30
Income: 93k + 65K (wife)
Occupation: Manager (Engineer), Therapist (wife)
No kids
Renting Condo in Etobicoke
Net worth about 150,000.00 in financial assets spread between RRSP’s, TFSA’s, investments and OMERS
Trying to start a business so my savings have been put on the back burner for a few months.

#601 Toronto Guy on 08.30.16 at 7:53 am

About Me:

Age: 26
Gender: Male (single)
Income: 113K (software developer)
Liquid Assets: 90K
Fixed Assets: 10K
Net Worth: 100K
Housing: apartment renter (toronto)

#602 Kakadu plum on 08.30.16 at 7:54 am

38 male, married
Income: 208,000
Net worth: 550,000
We own a condo.

#603 Trekie2 on 08.30.16 at 7:56 am

Male, age 51…52 in a couple months.
Rent, no RE
No wife, no kids…just my bike (owned)
Income 90K
Savings – TFSA, RRSP, deposits invested 1M

#604 Anon. on 08.30.16 at 8:00 am

Ages 59 & 52
Income $230k total
Net Worth $2m
Self Employed

#605 Waiting on 08.30.16 at 8:00 am

Male 28, married (wife also 28)
Household income 200k
Net worth 150k (was -50k 3 years ago)
Renting until a house isn’t overpriced in TO.
When we do buy, won’t be putting more than 50% of liquid assets into the house.

#606 Matt on 08.30.16 at 8:00 am

Male, age 49
Married , 2 kids

Income: $0 in between jobs (currently daytrading)
Wife: $70K

Assets (household)
Fixed assets: House (no mortgage) in GTA +$1M
Liquid assets (trading, RRSP, RESP, saving) $350K

#607 Tom Swift on 08.30.16 at 8:05 am

Male, age 60 & married

Retired but still picking up occasional contracts — income of approx 50,000.00. Not yet withdrawing from portfolio but from 1,200,000 at a 4% withdrawal rate, should be able to safely withdraw 48,000.00.

Net worth (portfolio only): 1,200,000.00

Other assets: house, no mortgage, Toronto

Debts: none

Credo: study the herd but do not follow it.

Best advice received: don’t complain, nobody listens.

#608 Terry on 08.30.16 at 8:07 am

37, married, wife’s 38, renting in BC one income and she draws disability pittance. 70K approx annual income, net worth somewhere around 30K mostly in a TSFA, I’m a tradesman working for local municipality, but I have no faith in the top heavy pension fund I pay into, it’s mandatory, doubt if there’ll be anything left by the time I retire. Been reading this blog for the last 7 years, or so, started back when I landed a permanent position and was thinking of buying a house, glad I didn’t!

#609 AMC on 08.30.16 at 8:07 am

Male, 32; partner, 36
Income – 56k + 50k
Renting in STJ
Assets, liquid: 20k
Net worth: -20k

#610 some MB guy on 08.30.16 at 8:08 am

Age: 47
Income: $90K
Net worth: $320K
Mortgage: $110K
Single, Male.
No Kids.
No dog.
Just a regular guy.

#611 Alan on 08.30.16 at 8:11 am

Male, 56, was married, now single.
$105,000/year, Professional Engineer, no pension.
Net worth about $500,000, ($300,000 RRSP, $200,000 house and property).
Own a house in N.S.

#612 Gonkman on 08.30.16 at 8:12 am

Age: 43 (Wife – 46)
Gender: Male
Combined Income: 90K + 75K = 165K
Children: 2
Debt: $0
Liquid Assets: 220K (RRSP/TFSA)
DB Pension Value: 750K
Fixed Assets (Home): 400K
Net Worth: 1.37 Million
Housing: Own Home – Mortgage Paid
Retirement Date 2022 (Me – Age 49): Commute DB Pension
Retirement Date 2025 (Wife – Age 55): Cash for Life Gov DB Pension

#613 crowdedelevatorfartz on 08.30.16 at 8:14 am


A new record.

Has the server( like a Brazilian Presidents career) melted yet?

#614 Fishface on 08.30.16 at 8:15 am

Male 50 yr old married to retired babe
1 tween
Salary ~$270k/yr,
Household investment income ~$85k/yr
Investments ~$3.6MM
House ~$700k (paid $139k)
No debt

#615 Curt on 08.30.16 at 8:16 am

Age: 26
Income: 70,000
Net Worth: 50,000+/-

#616 monkey on 08.30.16 at 8:17 am

– Female: 32, married / Husband: 34
– Household income: ~$100k (both make ~$50k)
– Net worth: $150k liquid + $200k in own businesses
– Renting and self-employed

#617 Janus on 08.30.16 at 8:19 am

Male, 29 years old, single
Salary $250k/yr
Investments $340k
No house (happy renter)
No debt

#618 Sunny D on 08.30.16 at 8:21 am

37 year old female
3 young children
Income of $126k (+bonus) working for a big oil and gas company
$64K in RESPs for my children
Zero debt but I do have to pay monthly child support as I share 50/50 custody of my sons
Net worth of $315K, 50/50 DB/DC pension plan
Renting, mainly due to this blog (thanks Garth for what you do!) :)

#619 Zoe on 08.30.16 at 8:23 am

Early 30’s couple family income is 135k (was 170k previously but we willingly took a pay cut to walk to work and have better quality of life/get off shift work). One lil screamer, one wooly dog.

Net worth around 325k (all liquid).

Rent by choice in central TO.

#620 Deanna on 08.30.16 at 8:26 am

Female, 39
Income: 75k
Net: 122k
above doesn’t include home assessed at $200k with 155k owing in mortgage

#621 Pablo on 08.30.16 at 8:30 am

Age 33
Salaried Income (excluding interest and dividends) $99,350
Net Worth $430K
Debt $30K (used for stock and real estate investing)

Renting but own a mix of commercial real estate, stocks, bonds, gold, and cash.

In a relationship but we keep our assets separate.

#622 Artie Fuffkin on 08.30.16 at 8:31 am

Male 49 years old
$55,000 per year, wife $15,000
Married 16 years
1 14 year old child
Net worth $540,000
No debt

#623 whatever on 08.30.16 at 8:34 am

Posting this solely to give back something to Garth for all his efforts.

ages – late 50s
Estimated household income over next 12 months – $240k
work areas: finance, computer stuff
Current estimated net worth 2.5 million

note to self – net worth 20 years ago was 100k in the red. Could probably have done better since then, but balanced life and saving for the future.

Thank you Garth for the incredible work you do for us.

#624 Traveller on 08.30.16 at 8:36 am

Male age 72 Retired for 10 years from our own small business.
Married 45 years.
80,000 income ($30,000 CPP & OAS; $50,000 investments)
Net worth $1.6
Own condo.

#625 NoName on 08.30.16 at 8:37 am

Male – 31 – 80k
Common law spouse – 31 – 40k
No debt aside from a 90k mortgage on a 250k home (210 purchase)
110k investments (LIRAs, DC RRSPs, and TFSAs)

Aggressively pumping up the TFSAs to make up for lost time

#626 N on 08.30.16 at 8:43 am

Male, 28, girlfriend but not married.

Income $125k

NW: $340k, of which $100k is in investments (100% stocks) and the rest in a Toronto condo (book value). Yes, it’s a high percentage in home equity but I live across the street from work and don’t intend on moving for a long time.

I save almost 50% of my take-home pay.

#627 isuckless on 08.30.16 at 8:43 am

Male, 58
Income: $150K + $90K
Own home (no mortgage)
$250k in RRSPs
$120K (US) in real estate in USA (~$15K NOI/year)
$20K in TFSA (fruity investment fund)
DB pensions $24K + $30K (after 65)
DC pension $10K (after 65)
Car loan: $8K

Now I am officially 1%-ter :)

#628 NB Ranger on 08.30.16 at 8:44 am

Male, 37
Income 140k (wife and I)
Net worth: 575K
3 kids
House in Ottawa
Army Officer (Infantry)

Three tours in Afghanistan gave me 24 months of very low cost of living so that has helped with saving.

#629 Matt M on 08.30.16 at 8:47 am

Here’s what I’d like to know:

Income: $60,000
Net Worth: $40,000
Debt status: No debt!
House status: Renter
Marriage Status: Not married, but living with my GF. She’s a master’s student.
Line of Work: Analyst / Engineer for a Software company

#630 M on 08.30.16 at 8:49 am

Family 60 / 56
Income $250,000
Self employed
Net worth $1,900.000.
Not planning to retire anytime soon
Enjoy my career and life style
Balanced health, wealth and family

#631 Peter on 08.30.16 at 8:49 am

Male, 29
income 40,000
net worth -1,000 due to student loans
occupation postal worker

#632 Slow n Steady on 08.30.16 at 8:50 am

Male, 41. Wife 48 (homemaker, artist), no kids.
Corporate Sales, past 11 years with one of the Telcos
Averaged $90-$110k first 3 years, $140-$180k next 8
DB plan from Day 1, 2 yrs before everybody was DC
$210k worth of company stock from ESPP
$100k RRSP, mostly Spousal since DB doesn’t leave me much room
$60k foreign real estate
9yr old Accord, 5 yr old CRV both paid off
Deeply dissatisfied with suburban lifestyle, especially the $6,600 property tax, but thankfully, no commute except customer meetings and low cost of living otherwise
Love my job 80% of the time, feel like the golden handcuff coming on!
Paid off first house in TO back when I was 37, lived debt and mortgage free for 3 years before “upgrading” to Aurora last year – yes, the wife!
Only debt is the $130k mortgage on the house, market value $1.1-$1.2M
To-do-list includes plunging into the TFSA/Well-Diversified Index Fund world – been focused on mortgage, no face slap please!
Want to retire by 45, downgrade to $500k/5-10 acres within 1.5hours of TO (family), escape the winter (bad knee), travel when we are still young relatively, maybe Career 2.0 (writer, speaker, counselling, pastor are some of the options so far!)
Wife still thinks investing is Russian Roulette and wants to become landlords when I stop working for the telco, but the thought of fixing toilet bowls and chasing rent isn’t my idea of post-retirement life!

#633 me again on 08.30.16 at 8:52 am

52, male, single
29K income
387K net worth
no debt
Save over 50% of my income.

#634 uskhan on 08.30.16 at 8:52 am

Male 43
Income 200K
Net worth 1.2M
Married with house wife + 3 kids.

#635 Toronto_CA on 08.30.16 at 8:52 am

This blog is like a mortgage broker; we don’t need proof of income here!

#636 Eginerd on 08.30.16 at 8:54 am

Income: $115k
NW: $75K (RSP and cash investment accounts)
Rent in Calgary

#637 Cheese on 08.30.16 at 9:00 am

35 male
$28k gross
Shipper/receiver farm boy Inc
$90k liquid total to my name
Doomed before I start. Contemplating the void.
Wanted to be a nuclear engineer.
Currently living on air and rice.
Someone’s got to drag down the average, might as well be me.

#638 Mattt65 on 08.30.16 at 9:02 am

Income: 190k
NW: roughly 175k all cash and investments
Rent in Edmonton
Zero debt as of right now (new car in future)

#639 Horatio Alger on 08.30.16 at 9:05 am

We are very fortunate to have an income of 10-15x the average and a net worth in the mid 7 figures. I was born into a lower class upbringing and raised by a single mom in SW Ontario where they used to make cars. Not the nice area of town.

Scratched out an infield single and stole second and third with hard work and a little luck. Paid off my mom’s mortgage when I was 33. Now I rub elbows with guys that were born on third and brag about hittin’ a triple.

Oh yeah…..and we are DINKS because the carrying capacity of the earth is around 3B people and we rent in Vancouver because I can do grade 5 math.

#640 Snobby Millenial on 08.30.16 at 9:06 am

Married making a total of around 150k between the 2 of us
net worth: 30k
renting in Oakville

#641 BBTT on 08.30.16 at 9:11 am

Income $95k
Amount in savings and investments: $93,000
Defined benefit pension when I retire (at least that’s what I’m contributing now)

#642 Humble on 08.30.16 at 9:11 am

Ah, what the heck, I got nothing else to do this early in the morning. I am going to do a full disclosure. The names have been changed to protect the innocent.

Divorced male 62. Married 30 years, divorced after 2 daughters graduated from university. Both daughters are in their early 30’s, married. 3 grandchildren and maybe one or two more.

Net worth: 1.3 M$
Home owner: Net equity of 370 K$. Mortgage 70 K$ thanks to divorce, 60 K$ Line of credit used to purchase Cdn common shares for my non registered investment account.
Income: 80 K$ taxable income consisting of 24 K$ pensions (including 8.5 K$ CPP) and 56 K$ of dividends and RSP withdrawals.

No inheritance or family gifts. I retired shortly after divorcing and took a 10% penalty on pension payments for that privilege. I estimate about 2 M$ of my gross employment income during my 40 year career which includes part time while going to school and a period of unemployment. I have never been self employed and made some coin with real estate investments.

It took me 15 years to save 20K$ in mutual funds. I sold them in 1994 and paid some deferred sales charges to open a self directed RSP account. I waited due to high brokerage and account fees at the time. ETF’s didn’t exist then and mutual funds had hurtful imbedded fees. In the meanwhile, the mortgage at an average 8% was paid off.

I used the internet since the early 90’s for information starting with a 1.4k dial up modem. My first common share purchases were a disaster but I learned from my mistakes (education is not free so I paid my tuition). First lesson, be critical of things you read and form your own opinion. I purchased several 10 baggers thereafter to give me a decent grubstake. I have never done it again since the GFC.

I started using Quicken in 1998 as our net worth was worthy. I have averaged 14% annual returns since. Compounding is a wonderful thing.

My former spouse was feminist and refused to be a stay at home mom. She even bound her breasts after birthing so she didn’t have to breastfeed and had her tubes tied. We met at BCIT and she barely graduated with a Marketing college diploma. She eventually landed a clerical job with a multinational corp. She went to night school afterward to get her grade 12 math and complete her high school. She rose to senior manager as she applied for posted promotions and for some reason the preferred candidate always dropped out. The preferred candidates scared away any other applicants so she got the promotion. She was worthy but her high school dropout path can’t be followed today in the corporate world unless family owns the company.

She prefers educated metrosexual men and was hard on the others. I have a blue collar attitude and as her income began to exceed mine and as she began to move in elite circles, she began to demand changes from me. We started bickering over inconsequential things. The mutual love/respect eventually disappeared. The marriage became pointless and I told her so.

She moved out and served me with divorce papers after I lost 400K$ + during the GFC, mostly in my investment accounts. She suffered fewer losses as she got me to invest most of her monies in bonds. We agreed to terms a couple of months later without lawyers. We used a counsellor as mediator so it cost about a $1,000 for the divorce settlement plus his fees were tax deductible because he was a licenced practitioner. I had to use the threat of seeking alimony to keep the agreed division of wealth at 50% each.

The timing turned out to beneficial for me as I was at a financial nadir and she was at her peak. After the negotiated agreement was reached and filed with the court, I recovered all my GFC losses and then some. In 2010, I gained another 50%. I kept the house hence the mortgage and she sold her equity investments near the bottom to buy a nice downtown condo. A year later, she slipped on ice after a company party and hurt her back. She took a year medical leave and failed to get permanent disability. I understood it cost her political capital and was she offered a lesser position on her forced return. She refused and retired with a good severance plus a DB pension.

She blew through the severance quickly and has part time contract work that my eldest daughter obtained for her. She is not suffering, just afraid of running out of money as she lives for the finer things in life. The rumor I hear is she is dating a wealthy older man. If it works out, she will rest easier. She tends to be a harpy when worried/afraid/angry.

The odd part is getting more respect from her now than before. There are more than a few things I do well naturally and more when I want. I could have done better with my life but I never found my calling. I find life is a mystery. My high school buddies became corporate executives and many acquaintances I like win big time lotteries. I think blind luck avoids me because of karma. It is a good a guess as any as I do get positive results when I try but I tire of being artificial.

I am content in my skin as long as I don’t hurt someone or lose my independence. I had a lot of time to kill this morning.

#643 Caroline on 08.30.16 at 9:11 am

female – 42 common law with male 45 + 4 kids under age 11
income – 102K, spouse 117K
own house close to Garth general store :)
own 3 rental properties in golden horseshoe + RRSP’s, TFSA’s, savings account, DB and DC.
net worth is 1.3K
1 dog!

Love this blog!

#644 TorontoGENX on 08.30.16 at 9:17 am

Female, 50 years old
Renting in Toronto
Income $85K/year
Net Worth $200K

#645 Jane Doe on 08.30.16 at 9:20 am

age: 28, female, single
gross income: 65k
net worth: 80-90k
house: live with parent (traditional Chinese family)
occupation: engineer

#646 raj on 08.30.16 at 9:20 am

Male, 39
$160 k between two
Net Worth:$300K
Own: old condo
Debt: None

About Me: Has one kid, Married – 10 Years, Works in Finance – Non Bank, Love Canada, Hate : Toronto Commute, Big 6 banks, all cell phone companies.
Investment: 90% in S&P 500 ETF. 10% stocks, No Canada International diversification bull shit.

#647 Hands Up on 08.30.16 at 9:20 am

Age 45 / wife 38
Income: 130k / 75k
Jobs: IT / Nursing
Net worth : $800K

#648 Angela on 08.30.16 at 9:22 am

Divorced-raised 3 sons
Renting (thank you Garth)
Saving for a yurt and solitude

#649 Joe Blow on 08.30.16 at 9:27 am

44yo, married with kids, 10yo + 8yo
Household income 300k, variable
Small software business owner + stay home mom
Net worth 1.8m: 600k owned house, rest in liquid assets at Garth’s recommended allocations – almost…

Thanks for sharing your opinions Garth; they are truly valued and your generosity is greatly appreciated!!

#650 Kcj on 08.30.16 at 9:27 am

Male 56
Female 54
6condos, net worth 800k paid for free and clear
1.2 million in investments. Came from selling the our home 4 months ago in yvr……I nailed it
We rent back.
2 kids, both out of house at 19……we help to cover schooling once we pay ourselves.
Life is good, worked hard from 4years old.
Thx Garth

#651 Me on 08.30.16 at 9:28 am

Household income 190,000
NW 750,000

Never owned a home

#652 Dual Citizen In Canada on 08.30.16 at 9:30 am

Dual Citizen: US & CA
Age: 54
Income: 140K CDN, $26K USD
Net worth: 1.2M
Occupation: Network Architect
Married with 2 kids

Came back to Canada in 2010 and was put onto this blog by a friend. I’m so glad I never sold my US home at that time. I’ve been renting ever since.
I think we bought a Filter Queen vacuum cleaner from Smoking Man in the 70s. The thing still works to this day!

#653 Paul the Hoosier on 08.30.16 at 9:31 am

Male 63, wife 61, married 40 years.
4 children, one still at home age 25.
Income 50K US, wife 55K.
Mortgage 128K, 3,100sf house value $240,000. RE tax $2,400/yr. Indiana law caps RE Tax at 1% of value.
Student debts paying for children $44,000. $40,000 of mortgage was student debt.
Net worth $527K. Mostly in 401Ks. Pension starts at 65 of $500/month.Plan on working until age 70 to maximize Social Security at $2,453/mo. for me and wife at $2,104/mo., and pay off all debts. In great health and low stress job in credit union marketing.
I have been reading this blog a few years. I find it amazing how big a RE bubble is in Canada. Million dollar shacks. Keep up the great work Garth!

#654 Piano_Man87 on 08.30.16 at 9:32 am

Personal income is $80K
$135K in investments ($40K in RRSP, TFSA maxed, rest in cash/margin account)
No debt
No house
Long term girlfriend

#655 Entitled Millenial on 08.30.16 at 9:35 am

Male, Toronto
Net worth: $135k (robo-managed ETF portfolio, TFSA maxed)
$70k salary
Rent ($950/mo)
Consumer Packaged Goods

#656 Drifter1 on 08.30.16 at 9:36 am

Married couple 30 and 31 living in okanagen Bc
130k/year combined
250k net worth

#657 Darren on 08.30.16 at 9:37 am

“couldn’t give a damn or two about a fool like you, that’s true”
I like this blog a lot.
I bought and read “2015 after the boom” when I was in my 20’s. Even tho one could argue that some of the predictions in the book haven’t happened yet.. This book is one of the reasons that I started investing at an early age.

I live in Edmonton. Worked on an oil rig in my 20’s. Then became a journeyman machinist.
I worked serious overtime for a lot of years.
I haven’t worked in 15 months.
I live a simple life. No debt.
48 years old.
Interest and dividends are paying my bills.
I’m glad I did what I did.
I feel it’s wise to be slightly pessimistic when it comes to finances.

#658 Accountants on 08.30.16 at 9:38 am

38 M, 37 F
Household income 110K,
Net Worth 520K, no house (renting), all investments
Both recent immigrants,
Accountants in various industries
One kid on the way
Slightly better off than average Joe & Donna
Fans of your blog!

#659 TO-WorkingClassSum on 08.30.16 at 9:39 am

Apppparently, a lot of rich people read this blog.
I am disappointed that Garth didnt include a request to also add your location statistics tho…

Location: GTA, Ontario
Sex: Male, Unmarried, No dog.
Salary: 45,000
Job:Property Administrator
Education: College (Business admin)
Networth: 50,000 +/- (RRSP/TSFA)
Debt: None
Ownership: No house, no mortgage, no car.
Rent: 850/mthy
Envy: Seething at the teeth at the salary/networth of everyone here.

#660 Mattyo on 08.30.16 at 9:41 am

Male – 30
Common law partner
Household income: $750k
Net worth: $600K – balanced & diversified portfolio yielding 5%.
Rent in YYC.
No student loans or debt.
No kids.
Lots of travel.

#661 YYC Not O&G on 08.30.16 at 9:41 am

Age: 35
Sex: Often (Male)
Individual Income: ~$540K
Spouse Income: ~$70K
Household Income: ~$610K
Occupation: Undisclosed (Financial Professional)
Net Worth: $1.95M
Own 3 Houses in Calgary (2 rented out)

#662 maps on 08.30.16 at 9:43 am

Age 51
Income $100k + 200k (wife)
Net worth $1.27M
Rent in TO

#663 The pure thruth on 08.30.16 at 9:44 am

Blog dog:
Gender: Male.
Age: 33
Salary before bonus: 92k.
Profession: Software Engineer.
City: Toronto.

Wife of Blog Dog:
Age: 27
Salary before bonus: 70k.
Profession: Software Engineer.
City: Toronto.

Household debt: 13k car loan. That’s it. Clean credit cards, no mortgage.

Both have DC plans at work: 6% matching.

We get small bonuses every now and then, but we don’t count on them.

Household investments:
RRSP: 30k Questrade. Self-managed.
TFSA Questrade: 14.5k. Self-managed.
RRSP+ DC plans: 40k

Renters: one bed apartment in North York for $1300 monthly. Utilities included. One parking spot included.

#664 Anon on 08.30.16 at 9:46 am

Married, first child on the way.

Loads of student debt between my wife and I – we both have two postgraduate degrees (150k left).

I have $75k invested (RRSP & TFSA) and the wife has about the same between her DB pension and RRSP. All told our assets are getting close to offsetting our liabilities, which is not bad considering two years ago we were more than $200k in debt after another round of school.

Renting a two bedroom in Toronto for $2300 per month. Keep getting tempted to buy something in Toronto with the baby coming, but keep coming back here for Garth to tell me I’m being an idiot.

My income is 130k + bonuses and my wife’s is 107k + various employer match contributions to her pension which bumps her total compensation up another $7500,

#665 DT in Toronto on 08.30.16 at 9:47 am

Location: GTA, Ontario
Sex: Male, Engaged (married next September), No dog.
Age: 27
Salary: 45,000 + Bonus
Job: Commercial Real Estate – Finance & Research
Education: Bachelor of Arts in Finance & HRM
Networth: 20,000 +/- (TFSA)
Debt: None
Ownership: No house, no mortgage, Car paid off.
Rent: $1,100 month all in

#666 Tim on 08.30.16 at 9:49 am

Age: 42
Single, no kids
Income: 65K (insurance company)
NW: $230K
rent in T.O.

#667 Buckhornite on 08.30.16 at 9:53 am

Income:90 to 115,000
Net worth: 68k with the rule of 90.
Job:Industrial Electrician for the Gov’t

#668 Elmer on 08.30.16 at 9:57 am

Male, 33
Income 72k
work in IT
single, live alone
net worth (not counting house), about 55k in liquid assets
own house worth about 450k, about 320k remaining on mortgage

#669 Mike on 08.30.16 at 9:58 am

Age: 28
Sex: Male
City: Calgary
Income: ~$90,000
Net Worth: ~$225,000

#670 Starcrossed on 08.30.16 at 10:01 am

Where are all those 48% divorcees? Oh that’s right, they can no longer afford computers to come read Garth.
Divorced, 1 kid. Now living common law.
Gross Income 80k (was 22k after support payments)
Net Worth: Post divorce, less than 10k, even though the divorce was 6 years ago.
Job: Software Engineer

The best thing I can say is that I have no mortgage and no debt other than a greedy ex wife.

We rent a townhouse in Ottawa.

If you are engaged get out while you still can.

#671 Anon. on 08.30.16 at 10:02 am

28 years old; married; female.
Individual Income – ~$110,000
Household Income – ~$155,000
Occupation – Financial Professional
[Personal] Net Worth – $86,500 (liquid assets + NET fixed assets)
1 Dog ;)

Own a semi-detached in Guelph w/ hubby and bought well within our means knowing the housing market was a looming moister trap.

#672 Sextina Aquafina on 08.30.16 at 10:04 am

Family income:127k
Debt: $0
Common law
New savings plan puts us on track to save 5k or more a month, while still enjoying some life.
No kids, maybe a dog if we build our own place on the Gulf islands.

#673 Carolyn on 08.30.16 at 10:05 am

Age – 60
Sex – female
Household Income $130,000
Net Worth – $1M
Own a house and cabin
work as an accountant

#674 SedanMagic on 08.30.16 at 10:13 am

Age: 32
Married, no kids
Personal Income ~60K
Household Income ~80K (wife is self employed)
Household Net Worth 20K (mostly dead end rrsp mutuals)
Currently renting in TO, do not own RE
Job: Facility Management/ CRE

#675 Serg6898 on 08.30.16 at 10:13 am

No debt
Rent for 1550/month
Lease a car
Own a motorcycle
80k in tfsa and rrsp
Defined benefit plan (as of 2 months ago 100% funded)
New hot girlfriend 27 makes 80k, no debt, also Leases car, owns motorcycle. About 50k in rrsps.
We burn most of our money on world travel. Life is awesome. Thanks for your advice

#676 Smoking Man on 08.30.16 at 10:15 am

666 ?

#677 Vincent887 on 08.30.16 at 10:16 am

Married + two kids
200k$ Family income
155k$ in financial assets
160k$ in home equity
Owner in quebec city, we rent in montreal.
I’m a computer engineer, she’s a plant manager for biotech products.

#678 Money is awesome on 08.30.16 at 10:19 am

Male 29
Rent 1585/month
No debt
450k in balanced portfolio max all Tfsa/Rrsp and non reg
Work less than half the year
Play golf and tennis year round.
Wife 30

#679 Ann0nom on 08.30.16 at 10:19 am

age – 33
income – 83K, 170K household
net worth – 150k in balanced portfolio, plus two DB Pensions (5 years of contributions) Debt = $0
Married happily with one baby,
No House, renter
line of work – Local Gov’t

#680 The real Kip on 08.30.16 at 10:19 am

Age: 58
Income: ~ $120,000
Marital Status: Divorced and happy
Home owner: yes
Net worth: ~ 1,000,000, mostly in DB pension.
On GreaterFool auto delete: yes

#681 tomohawk52 on 08.30.16 at 10:27 am

Age: 51, married no kids
Family Income: roughly $45K
Net worth: $450K-500K

#682 PJ on 08.30.16 at 10:31 am

33, Female
Income – $55K
Net worth – $55K
Rent w/ roomie in Vancouver
Administrative assistant at a university

Enjoy reading the blog for economic trends, investing insights, dog photos, and unrestrained, spirited comments about the housing market and resulting debters (admittedly schadenfreude). Thx!

#683 LadyLady on 08.30.16 at 10:33 am

Female, 30
Married with one kid, another on the way
Both of us are government employees
Joint net income ~$160,000
Own a house and a rental condo in Calgary
$10,000 emergency savings, two defined benefit pensions, and an RESP
Debt: $785,000 in mortgages (2.5% interest) and $11,000 owing on a car (0% interest)

#684 Lee from NZ on 08.30.16 at 10:34 am

Male, 32
Income: 80k, self employed (recently incorporated) providing contract business IT consulting
Single, renter, Vancouver
Net worth: a sad 20K. New to investing & just opened up self directed investing account with RBC and placed it in ETFs as suggested here. Looking on the bright side, no debt.
….From reading comments above, it’s time to hustle.

#685 matt g on 08.30.16 at 10:36 am

age 34, single
no debt
income $58,500
tfsa – 48000
non reg savings-52,000

#686 busman7 on 08.30.16 at 10:36 am

Definitely Not average! :-)

Male: 70
Income: CPP/OAS +
Net worth: Priceless

Own a paid for rancho in the tropics a block from the beach which I operate as a hostal catering to world travellers

Married 2 1/2 yrs to a Salvadorña

Drive a beat-up 20 yr old Kia

Life Is Great!

#687 Just this guy, you know? on 08.30.16 at 10:38 am

33 M, $65k income. Wife is 29, $50k income. No kids yet. Adorable cat.

No debt, combined net worth $166k in RRSP+TFSA+cash.

Renting a house in central Trudeauville for $2100+utils.

#688 Anonfest_99 on 08.30.16 at 10:41 am

Age: 29
Income: 85k
Net Worth: 60k
House: No
Job: Engineer

#689 Kevin on 08.30.16 at 10:41 am

Married, 1 kid.

I’m 36 she’s 35

Household income: $200K + commission
Liquid net worth: $850K

We rent. I’m in sales, she’s in HR.

#690 Smad on 08.30.16 at 10:41 am

Age: 62
Income: 250K+
Net worth: 1.7mm (ESP,TFSA, balanced portfolio as per Garth recipe)
Own half a house (duplex)
No liabilities
Married 40 years
Three children
Three grandchildren
Greater Fool (Garth) fan for 10 years, or so

#691 RayofLight on 08.30.16 at 10:42 am

Age 66
Married for 43 years
Retired engineer (11 yrs.)
Financial Net Worth about $750k (2 TFSAs $240k), balance in RRSPs
Household Income $60k, (DP, 2 CPPs, 2 OAS)
Two properties.
We spend the winter in AZ, balance at the cottage on Lake Erie.
Pride and joy is 82 Goldwing

#692 bubbles mcduck on 08.30.16 at 10:43 am

Age: 38
Income: $160k personal, $250 household
Household net worth: $1.3M
Married, 2 kids.
House: Owned, $300k mortgage

#693 Dude in Ottawa on 08.30.16 at 10:44 am

age: 45 (wife 36)

income ~185K (wife ~85K) = ~270K

net worth: 1 Mill cash and investments + 350K House (bought in the early 2000s) + the wife one of them lovely DB Pensions.

line of work – Both STEM

#694 Ronaldo on 08.30.16 at 10:47 am


This would be good reading to the ones buying real estate in Vancouver and Toronto right now.

#695 KVKV on 08.30.16 at 10:49 am

32, male, single, engineer, Calgary. $85k annual salary. $215k stuffed in a diversified set of index ETF’s, currently renting.

#696 RB on 08.30.16 at 10:51 am

57 information technology with
61 year old writer/editor at college
One adult child in process of launching
Income 120k
Net worth 500k
Two DB pensions

#697 Accountant on 08.30.16 at 10:54 am

Age: 39
Household Income: $287K
Household Net Worth: $1.1M
% in housing: 41%

#698 Pepe on 08.30.16 at 10:58 am

Age: 27
Income: 140k/yr
Net worth: $470,000
Debt: $438k mortgage

#699 Sucks to be me on 08.30.16 at 11:03 am

Well crap people!! Holy frack. Man do I suck.

Health is everything??? Right right?

#700 Anonymous Boomer on 08.30.16 at 11:03 am

Age 69 – marriage 48 years
Both retired
Household Income ~ $60k pensions + investment income
Household Investments $750k – TFSAs maxed
Own house
No mortgage
No debt
Net worth ~ $1 Mil

Hoping to be in the 1% by age 75.

#701 GTAer on 08.30.16 at 11:06 am

Garth- thanks for all you do!
Late starters (hubby immigrated, needed to upgrade education so only began working 2013 FT).
Age: 42, 38. Married. 2 children under 3 (mat leave and daycare costs)
Household income: 190k ($98, $95)
DB pensions (3 yrs, 8 yrs)
Assets: $160-200k (but at risk as all in the house- which we will be selling shortly)
Debts: $0
Change from 2013: $-48k (student debt)

#702 RB on 08.30.16 at 11:08 am

Age 57. IT in crown Corp
Spouse 61. Writer/editor at college
Income combined 120k
Net worth 500k
Both have DB pensions

#703 tkid on 08.30.16 at 11:09 am

#688, health is everything. I’m pretty sure my mother would go back to work if it meant she got her good health back again.

#704 doc on 08.30.16 at 11:12 am

Age 65. Specialist Physician – Psych. Second marriage 17 years happy. Kids 43 and 44, unfortunately not close to either since divorce. Work half time past 5 years. No debt. Single income family – gross 100K. Combined assets Real Estate 1.1 million includes one house 500K and two building lots of 300 K each. Investments in balanced portfolio 945K shrinking monthly with withdrawls of 4K month. No actual growth past three years from portfolio. I would retire if I could be confident current investment capital would produce 5-6%. Sense of security comes only from good health, happy relationship, chickens and a big garden.

#705 Hands Up on 08.30.16 at 11:13 am

Age: 45 (Wife – 38)
Jobs: IT / Nurse
Combined Income: 130K + 75K = 205K
Children: 2
Net Worth: 800k
Location: Montreal

#706 Tomm on 08.30.16 at 11:13 am

Income: 80K/yr Housedold: 100k/yr
Retail Manager
Net Worth: 200k
Debt: 0

#707 Edmontonian on 08.30.16 at 11:18 am

Married, 1 kid
My income: 70k, wife 70k
Net worth total: 110k total.
-House: probably zero net worth here if we had to sell, but about 440k mortgage debt
-TFSAs: 30k
-RRSPs: 50k
-wife has DB pension, probably only 30k on paper right now
-no other debt besides mortgage

Bought the house with 5% down 3 years ago. Was risky, but don’t regret it and it’s not our retirement plan. The way we are different from most of our Edmonton peers is we only have 1 car, and we only ever buy used. Have saved so much doing this. Currently saving $1,500 a month in liquid assets, and that’s with a kid in daycare at $1,200 a month.

#708 Chris on 08.30.16 at 11:19 am

Age: 35
Household income: 60k
Net worth: 250k (cash & investments)

Married, one kid, no house

#709 StevieT on 08.30.16 at 11:23 am

Age 46
gross $56k in IT/helpdesk
net worth about $220k
single, own a condo in Hamilton
Have about $50k debt between the mortgage & heloc balance
Have about $45k in retirement savings split between employer DC plan, RRSP with advisor and self-directed TFSA. Contributing $320 per month to said plans.

#710 PH on 08.30.16 at 11:24 am

I’ve been reading your blog for years Garth! Thanks for setting me up with your free advice. So far, it’s working pretty great for me.

Age: 31, Male
Status: Single/never married, no kids
Income 2015: ~$102k

DB pension, which I’ve contributed about $20k towards, employer about the same, so ~$40k.
House, $250k bought with 20% down and on an accelerated payment plan. Going to have that sucker paid off by 40ish years old.
Truck, ~$40k
Investments ~$50k
Uni education paid for.
Lots of tools and equipment.
Total (not including school or tools) ~$380k

House mortgage has $160k remaining, renew in two years.
Truck payment has about $35k remaining
Unsecured LOC has about $12k remaining, will be paid off by January.
Total ~$207k

Overall nw: ~$170k

#711 Anonymous on 08.30.16 at 11:24 am

Gender: F
Age: 26
Occupation: Staff Accountant and Student
Income: $45,000/yr
Net worth: ($4,000) – Thanks to student debt and assuming I could sell my car for $2k (should be down to ($1,000) by the end of September)

Common law spouse:
Gender: M
Age: 28
Occupation: Programmer
Income: $70,000
Net worth: $54,000

We rent in Guelph, Ontario.

#712 Drama Lama on 08.30.16 at 11:33 am

Income ~50k
Spouse ~50k
Networth $10,000

Renting in Edmonton

#713 AnonaMoose on 08.30.16 at 11:34 am

Location: Rural Ontario
Sex: Male, Single
Age: 33
Salary: $70,000 Syrup Dollars.
Job: Military
Education: Bachelor of Arts in History (Headed back for STEM)
Net worth: 40,000 +/- (TFSA)
Debt: None
Ownership: No house, no mortgage, Car paid off.
Rent: $450

#714 Argon18 on 08.30.16 at 11:37 am

Age: 40 & 39
Annual Income: $140K & $120K
Occupation: Both professionals
Family net worth: $800K (all luquid)
2 children

#715 iwil on 08.30.16 at 11:37 am

Age: 45
Status: Married (she is also 45)
Kids – 2
Annual Income: $500 – 700K + $130K for wife
Pension – wife has a DB plan
Occupation: Real Estate
House – $1.7M (no mortgage)
RRSP – 500K (for both)
RESP – $60K total for both kids
TFSA – $100K for both
Open Inv – $250K
Cash – $300K
Investment Property – $1M with $330K mortgage
Total Net Worth: $3.6M

#716 BobbieJoeSwagga on 08.30.16 at 11:38 am

Age: 25 & 26
Household Income: 210k
Household Networth: 160k (HISA, TFSA, RRSP), no debt
Occupations: Eng/Healthcare
Housing: Rent @ $1900/mo
Location: GTA
Reading Greaterfool daily since 2011

#717 Ted on 08.30.16 at 11:41 am

Ages: 36 & 34
Household income: ~160k/yr
Household net worth: <300k (yes, we suck, many poor decisions in the past, divorces etc.)
Common law, 1 kid. Own a farm with over 100 ac of land with a mortgage on it in the Ottawa area. Both engineers, I work in private, she works for the Federal government.

#718 droitwich on 08.30.16 at 11:46 am

Age: 36
Sex: Male
Marital status: Single, no kids
Profession: IT management
Income: $115K/yr
Debt: $0
Net worth: $180K: $100K across TFSA and RRSP, another $80K in a DB pension
Housing: Renting, never owned property

#719 losgann on 08.30.16 at 11:50 am

Age: female 48
Income: ~95k (retired w/DB pension)
Net Worth: ~650k

Married, no kids, own the house

#720 Gmullz on 08.30.16 at 11:54 am

Age: 28
Status: Single
Annual Income: 73,000
Occupation: IT
Location: Halifax
Homeowner: Yes
Percentage of Income, Net of Taxes, Saved Annually: 82%

Net Worth: 135,000

#721 The Anti Smokey on 08.30.16 at 11:54 am

Male 56. YVR
$100K in DB pension, same for wifey.
Paid for home in the 604 worth $1m
Net worth. $2m

#722 greyhound on 08.30.16 at 11:56 am

Age 42
Net worth $1.2M
Married – 2 kids
Family Income: 200k

#723 Nick on 08.30.16 at 12:02 pm

Male 29
Single Income: 285(2014) 150(2015).. 200 (2016)
300 /y (if oil would rebound)
600 in assests

#724 JimBob on 08.30.16 at 12:02 pm

Location: North Central Alberta
Sex: Male
Age: 58
Retired Federal Employee – DB Pension (I know, go ahead and dump all over me)
Wife is still working (School teacher – 4 more years to pension)
Family income: around $160,000/yr
3 kids – two in Post Secondary, one still at home
Home paid for – approx value around $350,000
Debt – vehicle (< $7,000), LOC – $7,000
TFSA's – all topped up – around $55,000 in each
RRSP's around $90,000 each – starting to draw down yearly to top up TFSA's.
Non-registered Account – $100,000
RESP's – $80,000
RDSP's – $45,000
Dog owner – yappy little buggar… the dog I mean…

First time posting – have been a reader for a couple of years now. Enjoy your comments (don't read too many of the reader's comments tho – often just a bunch of malarky). Keep up the great work!!

#725 Canary on 08.30.16 at 12:03 pm

You the man, Garth.

33 year old, married, male bearded hipster in Toronto.

Gov’t employee with a DB plan (would love to see an article about the risks for us gold plated pension owners considering the under-funding, much longer life expectancy, etc… how safe would it be to rely on this pension?)

$150K household salary

$250K net worth.

No debt, renting.

Love the blog. Even the dorks you bring in on Saturday now are really entertaining to read.

#726 skibum on 08.30.16 at 12:03 pm

28, Male + 29, female
Personal Income: $80k/yr
Houshold Income: $120k/yr
Net Worth: ~$40k
Paid off loans and started saving about one year ago. We rent and are waiting to build our NW before buying.

#727 CampingThisWeekend on 08.30.16 at 12:05 pm

Age: 32 & 33
Status: Common Law (1 toddler + 1 Cat)
Renters (North Vancouver)
Income: $110 K +
Investments/Cash: $80 K + (TFSA, RRSP, RESP)
Assets: $150 K + (Rec. Property)
Debts: NIL

#728 WetCoastLiver_7 on 08.30.16 at 12:06 pm

Married, 2 kids
Household Income: $100k/year
Networth: $300k, investments only: spread across TFSAs (maxed), RRSPs, and non-registered accounts
Tech – Software Development

#729 Trust me on 08.30.16 at 12:07 pm

48 Male
4 children
Wife Stays home with kids
Not for Profit Exec
100K annual family income
Recently sold house and renting
Net Worth 750K

#730 gluesniffer on 08.30.16 at 12:11 pm

Income 550,000/yr
1.1 million cash and stocks
58 years old.
Medical doctor
Not counted 2 homes fully owned out right ( around 600k)
Zero debt.

It seems like half the 1 percenters in Canada post here.

#731 Anon Anon on 08.30.16 at 12:15 pm

Male, 33, single
Income – $65k / year
Net worth – $270k
Federal Government Job

#732 Anon on 08.30.16 at 12:16 pm

Age: 31 & 32, common-law, no kids
Household income: 175k (100k and 75k)
Net worth: 170k (70k RRSP/TFSA, 100k home equity) + 2 DB pensions ~8 years
Own home and rental condo, both with about 75% of value remaining on mortgage.

#733 rc_mags on 08.30.16 at 12:16 pm

Age: 56 (hubby 61)
Income: approx $100K (mainly from hubby/investments)
Net worth: 2.1M (including 600K in mortgage-free house)

#734 Anonymoose on 08.30.16 at 12:16 pm

Male, 36
Income: $103k (household 200k)
Net Worth: $400k (household 550k)
Debt: $0
1 child, 2 yrs old

Renting in YVR while waiting out the bubble.

#735 Row Bear on 08.30.16 at 12:19 pm

Male 68
living in GTA in still mortgaged house
Two adult children, one teenager
Profession; Environmental Management
Income 130,000$
Mortgage and personal debt 200,000$
Net worth: 1.5 mill$
Drive an EV – Got to lower carbon footprint

#736 Elaine on 08.30.16 at 12:24 pm

Female 33
About 30k$ self-employed, going up as I get more business.
Used to make double in a regular job but gave it up for traveling around with my partner and have more freedom.
25k$ in savings/investments.
Renting house.
I don’t know full household net worth, but around 250k$, probably more.

#737 Moist Millennial on 08.30.16 at 12:26 pm

Things have improved since I last posted stats.

Wife and I are:

– Age 27 married less than 1 year
– Income: Me 89,000 Wife 77,000 Combined 166,000 Gross
– Networth: 55,000 Liquid and growing by 4,000 per month with a 60%ish savings rate
– Renters in Calgary: no rush to buy will only entertain significant discounts on houses
– Occupations: Energy trading & logistics and wife is in healthcare

#738 Metalskid on 08.30.16 at 12:27 pm

Age: 37 (male)
Household income: $84k/yr
Household net worth: $500k ($240k investments – RRSP, TFSA, RESP, Cash) + rental property worth $260k, owned outright.
Married, 1 kid
Illustrator/Graphic Designer
Rent (Toronto): $1950/month
Rental income from above asset (small town on east side of TO): $1750/month

#739 JMB on 08.30.16 at 12:27 pm

Age: 35
Sex: Male
Married (since 2007)
2 kids (ages 2 and 4)
Location: Vancouver
Tenure: Rent ($2,300/month)
Personal Income: ~$100k/yr
Household Income: ~160k/yr
Occupation: Private sector urban planner/land economics consultant. Wife is physiotherapist.
Household Savings: $110,000 (RRSP + RESP)
Household Debt: ~18,000 LOC
2 vehicles (both paid off, total worth ~$18,000)

#740 Low status on 08.30.16 at 12:27 pm

29 single male, renting with roomates
Income 18k
About 12k in savings
“Self employed/freelance” but in reality a disposable wage slave.
This is 3 years after graduation (physics BSc MSc)
Long time reader of your blog. I don’t belong here, but I have a lot to learn from successful people like most blog dogs here, even if its hard on my self esteem

#741 livingthedream on 08.30.16 at 12:28 pm

Age: 32
Sex: Male
Marital status: Recently Married, no kids yet
Profession: Pro European Hockey Player
Income: $375K/yr
Debt: $20K
Net worth: $1.5M –> $1.2M in Private Pension, $200K rental properties, $100K Non-registered investments
Housing: Rent overseas, live with parents in the off-season

#742 Drill Baby Drill on 08.30.16 at 12:29 pm

Male 61yrs
Employed and Married
Household yearly income $375K
No Mortgage home is $600K
No Debts
RRSP $600K
DB Plan $4.3 Mil

#743 Buggerit on 08.30.16 at 12:35 pm

50 yrs old
married (for now)
single income at $170k CDN
net worth – $700K (house is owned – for now – outside of the hammer)
debt $50K

#744 N on 08.30.16 at 12:35 pm

Age: 28
Status: Single
Annual Income: ~$150k
Net worth: $230k mostly liquid… no debt
Profession: Recruitment Consultant

Born in Vancouver, been reading this site for 4.5 years now and moved to Hong Kong 3.5 years ago to pursue a career. Garth is it possible for you to manage my money even though I’m not living in Canada right now? I will definitely move back to Vancouver someday….

#745 Anonymous on 08.30.16 at 12:36 pm

Age: 29 (Fiance: 25)
Income: $110K (Household $130K)
Occupation: Optometrist (Teacher)
Net Worth: $285K Individual ($325K Joint)
No debt, no kids, rent $1500/month
Share one car

#746 Greg on 08.30.16 at 12:37 pm

Garth are you making Influenza or Robaxacet tally these results into a spreadsheet? Whomever got less replies last week?

#747 Letterkenny on 08.30.16 at 12:38 pm

Male age 31,wife age 31
Income: $85k
Married, 2 kids
Net worth: $425k, $150k liquid

#748 Long Bone Horndog on 08.30.16 at 12:42 pm

62…..Occupation —Stock Picker….Digital Nomad….sometimes contract expert….tax refugee…Travel Writer….Novelist….Married…Ex serial carreerist…Cash Multi Millionaire…Retired Twice…..Kids are grown….own a pied a terre in Vanc and another in BKK…..World Traveler….Liberal Irritant. Stock Picking Income centralized and earning average $35,000 per month…..sober 15 years….diver…surfer…..death cheater

#749 KS on 08.30.16 at 12:43 pm

Age: 36
Household income: ~100k/yr
Household net worth: 300K
Middle Managment

#750 Just Some Guy on 08.30.16 at 12:43 pm

37 year old Male
Married with 5 kids
Homeowner: 80K equity
Personal (and Household) Income: $135,000

Net Worth: $350,000

#751 Nick on 08.30.16 at 12:45 pm

Any of the above rich women looking for a husband$$$???

#752 Van Renter Loser on 08.30.16 at 12:50 pm

Income $100k (semi-retired/accountant)
Rent primary in YVR Westside
NW $1775k
Liquid Investments $1250k
Okanagan small acreage $325k
Koots Revenue/ Future Retirement House $350k
SW Ontario Revenue Property $200k
Tax Liabilities on non-registered accounts
(anyone else include this in their nw calcs?)
Mortgage +LOC

#753 Van Renter Loser on 08.30.16 at 12:51 pm

Income $100k (semi-retired/accountant)
Rent primary in YVR Westside
NW $1775k
Liquid Investments $1250k
Okanagan small acreage $325k
Koots Revenue/ Future Retirement House $350k
SW Ontario Revenue Property $200k
Tax Liabilities on non-registered accounts $150k
(anyone else include this in their nw calcs?)
Mortgage +LOC $200k

#754 Diogenes on 08.30.16 at 12:54 pm

Male, 40yrs
Married No Kids
Occupation = Financial Services
$350K p/a household income
$300K savings in financial instruments with RRSP room fully utilized, TFSA room remains
Net worth ~$800K; Sounds good, but still not enough for Garth to agree to manage my money :)
Toronto Homeowner for 3.5 yrs (after waiting 10yrs, bought with healthy 33% deposit); no other debt

#755 anon on 08.30.16 at 12:57 pm

Female, 32, married, YVR
Household income ~$190K
Net worth ~$170K all in cash/investments

Renting apartment after narrowly avoiding purchase of overpriced West Side tear-down condo in 2009.

Still feeling poor, so we’re preparing to leave for better opportunities overseas in the next year or two.

#756 Francis Herring on 08.30.16 at 1:01 pm

Female 58
Divorced, three kids, one entrepreneur and two in uni.
Income ~70k
Net worth ~500k, invested, no real estate
Rent in YVR
No debt

#757 Victor V on 08.30.16 at 1:03 pm


The Bank of Nova Scotia reported better than expected earnings Tuesday and said it is actively pulling back in domestic mortgage lending as worrying signs have emerged in the Vancouver and Toronto housing markets.

The third-biggest lender announced that it saw growth in both domestic and international banking, despite fears that slowing domestic borrowing and energy loan losses would weigh on earnings. Scotiabank reported earnings per share of $1.55 for the third quarter, compared with analyst expectations for earnings of $1.46, based on analysts polled by Reuters.

During a conference call, executives with the company said that they were ceding market share in the mortgage lending space in Canada, hoping that limiting exposure to housing loans will help insulate the bank from any correction or crash in the Canadian housing market.

#758 Canadian girl on 08.30.16 at 1:04 pm

age: 36

my income: $66,000

Occupation: Project manager for a non-profit, also have a small biz on side earning some passive income (and great for tax write offs)

net worth: $350,000 (all investments, no real estate – tfsa, RRSP, DC plan, savings account, and cash in case of a zombie apocalypse)

Living situation: Rent after cashing out big time on sale of my overpriced house

#759 jess on 08.30.16 at 1:04 pm


imagine deleting names or entering new ones with fake address?

Hacking of two state voter databases prompts FBI to call for better security

FBI warning does not identify two states targeted by cyber intrusions but reports say Arizona and Illinois voter registration systems were infiltrated


#760 Mike in Edm on 08.30.16 at 1:04 pm

That average wage is insanely low. I honestly don’t understand how people can live off that, nevermind buy an insanely overpriced house.

I’m in my mid 30’s, make just a hair under double the average male salary, and my wife is in her late 20’s, just starting out her career and makes the average male salary which we both consider very low (Alberta) and we could afford an average $400k-ish house here, but we’re happy to watch prices slowly fall and fall and fall some more

#761 MK on 08.30.16 at 1:05 pm

Male, 31
income: 800k (surgeon)+ 80k (wife, nurse)
home – 2.5 million
married, no kids

#762 Hammer Bro on 08.30.16 at 1:06 pm

Male, 33
Renting and loving it!
Happily Married to a PhD student
Household Income: $75,000
Financial Net Worth: $130,000

#763 Mike in Edm on 08.30.16 at 1:07 pm

And I should mention “just” barely afford to buy a house here… At least according to TDS/GDS rules. I’m pretty sure the banks must not even use that any more considering they offered my early 20’s waitress sister-in-law a $350k mortgage.

#764 NoName on 08.30.16 at 1:08 pm

#616 NoName on 08.30.16 at 8:37 am

Imitation is the sincerest form of flattery, thank you.
but wrong!

me 40, wife 43, ass i say earlier in order of importance, 2 kids, 1 wife and mediocre net worth, me and my handy dandy spered shit never lie, especialy by omission..


#765 maka on 08.30.16 at 1:10 pm

Age: male 42
Income: ~100k
Net Worth: 400K
Married, 2 kids, no-house

#766 Cheese on 08.30.16 at 1:13 pm

All these salaries….. Someone shoot me now :(

#767 Jimmy on 08.30.16 at 1:14 pm

Nice try SM for 666


#768 West Coast Tree Dweller on 08.30.16 at 1:15 pm

Age: 55
Married, 1 child
Household Income: $280K
Household Net Worth: $4.0M
% in housing: 72% ( too high, I know – I bought an old bungalow in West Van 15 years ago, the Rule of 90 is a little hard to apply around here … )

#769 DJH on 08.30.16 at 1:15 pm

76 years old, retired, married 50 years, 1.5-2.0m west coast home (no mortgage), 500k invested (no debt), good pension, two adult kids plus grandchildren, healthy (50 pushups and 30-50 K bike rides) and happy. Garth, have enjoyed your blog since its inception. Thanks for all the info and entertainment, and for tolerating my occasional comments. At heart, still a young, idealistic NDP/Liberal supporter, and currently a Justin fan. Cheers.

#770 Vermithrax on 08.30.16 at 1:16 pm

Age: 45
Single, no kids
IT Professional
Salary: $91K
Net worth: $320K (excluding pension–all liquid)

#771 YVR on 08.30.16 at 1:18 pm

First time poster, long time reader. Strong case of House Lust… But happy to have made the decisions I have.

34, Married Both Engineers, Renting in YVR
household income of ~ 250K
Net worth ~2.5M Liquid (invested in CDN and US 50:50)

Thanks Garth

#772 David Martin on 08.30.16 at 1:20 pm

48 in November. High School GDC when I was 20. Controlling interest in a high-tech Company. Annual sales 4-5Million @ 45% GP. Salary + expenses $197000.00. Assets not including home $929000.00 Gues I’m just not a 1%…..sad face

#773 PicCom on 08.30.16 at 1:21 pm

Age: 32
Income: It depends. I have my own company (consulting). I pay myself around 70k/year and I leave the rest in the company bank acc.
Wife: She works for my company.
We live in Downtown Montreal.
We’re not Canadian born. I came here 15 years ago (to study English…. yes in Quebec) from South America. My wife has been here for 1 year, she has PR)
Having a baby in 2 weeks (or less).
Have mortgage and credit to pay of 260k
My Investment:
21k in locked in RSP (left Bombardier and tranfer my pension to TD) invested in stocks
15k TFSA Invested (mostly stocks and and the rest ETFs)
10k Invested through my company in Stocks
Wife’s investment:
10k US mutual funds and 6k CAD (stocks) in her TFSA.

Don’t have time to read every day, but when I do, I read on avg 5 of your latest posts, and take my time for it…. I also read other websites.

#774 Brazil ex-pat on 08.30.16 at 1:22 pm

Age: Male 46 Hot Thin Wife 40
Income: >100K per year
Net Worth: >5 million
Job: IT – Hot Thin Wife stays at home
Children: 3 boys (os bestas)
Three houses (Canada, USA and Brazil)

Currently residing in Brazil with spare room waiting for Crowded Elevator Farts dude…..

#775 Matt on 08.30.16 at 1:23 pm

Age: 25
Single, still living with the parents
Income: ~$140k /year
Software Sales/Consulting

#776 jess on 08.30.16 at 1:27 pm

check out this survey


When cybersecurity professionals converged in Las Vegas last week to expose vulnerabilities and swap hacking techniques at Black Hat and Defcon, a consistent theme emerged: the internet is broken, and if we don’t do something soon, we risk permanent damage to our economy.

“Half of all Americans are backing away from the net due to fears regarding security and privacy,” longtime tech security guru Dan Kaminsky said in his Black Hat keynote speech, citing a July 2015 study by the National Telecommunications and Information Administration. “We need to go ahead and get the internet fixed or risk losing this engine of beauty.”
Will the US elections be hacked? It’s doubtful, but machines could be ‘rigged’

There’s no lack of things to be worried about: organized cybercriminal gangs; government surveillance; not to mention hack attacks from nation states

#777 Tyler Durden on 08.30.16 at 1:32 pm

single, work in banking
Income: ~$65K/year
Networth: ~$60K

#778 Smoking Man on 08.30.16 at 1:32 pm

#755 Jimmy on 08.30.16 at 1:14 pm
Nice try SM for 666

I knew you of all people would appreciate it

#779 Anonymous Sailor on 08.30.16 at 1:38 pm

Male, 32
Income: $0 (previously ~250K)
NW: ~450K Balanced portfolio
Job: None…sailing to the carribean
Home: Sailboat (owned)

#780 Henri on 08.30.16 at 1:39 pm

Age: 30
Married, 1 kid in the oven
Both engineers
Own (and live in) a plex in Mtl
Salary (combined): $170K
Net worth: $350K

#781 greatcop on 08.30.16 at 1:42 pm

-Age: 31
-Status: Unmarried.
-$48k income.
-$38k savings.

#782 AMLVS on 08.30.16 at 1:43 pm

Age: 25
Gender: Male
Marital Status: Single
Income: $90k
Net Worth: $100k
Rent @ $1050/mo

#783 Binder Dudat on 08.30.16 at 1:43 pm

Me: 47, married, 2 children, 18 and 13.
Annual income, 95-100K, depending on year and overtime. In health care.

Spouse 53, income also 100K annually, also in health care.

Net worth approx 500K. DB pension for me, DC pension for spouse.

#784 KG on 08.30.16 at 1:49 pm

Age 28, 28
Household Income: 110k (engineer), 63k (PR)
Net worth: 300k

+DB pensions

#785 Baka Shinji on 08.30.16 at 1:50 pm

Let there be data.

Age: 24
Sex: Male
Gender: Millennial
Income: 55K
Net worth: 30K
Job: civil servant
Roof status: renter

#786 Hard life in the desert on 08.30.16 at 1:50 pm

Age: 43 & 43
Married, working for an oil Co in the middle east
Income: $230K & $120K USD annually tax free
Net worth $3 million
Vacation property in USA ($250K)
No home in Canada until we retire
No debt

#787 Arch Douche on 08.30.16 at 1:55 pm

Occupation: CPA
Age: 34 (wife 29)
Income: $110,000 (joint $160,000)
House: No
Debt: 0
Net Worth: $366,000

#788 Mike on 08.30.16 at 1:57 pm

Age: 22
Income: 60k
Status: Single
Job: Financial Analyst
Location: Toronto
Rent: $1275
Net worth: (40k) (like negative)

#789 Vancouverless on 08.30.16 at 1:58 pm

@ #490 nad

Just think about how moribund the financial lives of people who aren’t interested in finances and financial health are. This blog has strong selection bias.

#790 DoubleDeuce on 08.30.16 at 1:59 pm

Married, both age 34
Both completing PhD
Income ~$73k/ann (hopefully to double this year)
Net worth ~$20k
No house. No loans.
Debt: $0

#791 Snowlion on 08.30.16 at 2:04 pm

Age: 31
Income: ~45,000 (~100,000 with partner)
Net worth: ~40,000 (~95,000 with partner)
Bought a house 1 year ago with my partner for 209,000 (West Kootenays)
No kids (yet)

After reading what others are, I feel woefully behind. Thought I was doing pretty good, especially with the decision to buy a small, affordable home not in Vancouver.

#792 Djumbe on 08.30.16 at 2:04 pm

Age 54
Female, married, no kids, dogs or debt
Net worth $900k invested + $500k paid off condo
Income ~ $200k combined self employed
Love this blog!

#793 MtbCal on 08.30.16 at 2:05 pm

Age: 29
Combined Income: 180k/year
Net Worth: 167k
Live in Calgary, have a house

Married, I Work in O&G, S.O. Refrigeration Mechanic

#794 Maggie the Teck Writer on 08.30.16 at 2:11 pm

Gross income from all sources, including employment: $109,000

Net Worth: $850,000

Age: 69

Renting in Ottawa

Happily divorced for many years

No kids

#795 teagan2549 on 08.30.16 at 2:13 pm

age: 51 & 54
household income: $60,000
net worth: $687,000
homeowners, also ‘own’ a commercial property used by our business.
work: business owners, manufacturing.
comment: I’ve learned so much from this blog, thank you Garth!

#796 Greg K on 08.30.16 at 2:14 pm

$80K a year, Project Manager
Networth: $260K Total. $150K in defined contribution pension and RRSPs (maxed out), and $110K in TFSA/stocks/cash/precious metals/old car, etc.

Millennial, engaged, no housing chance in YVR.

#797 Tom on 08.30.16 at 2:15 pm

Age: 41 (Married)
Kids: 3
Income: $200k (household)
Net Worth: $2m

Own in Vancouver suburbs. Regular reader, never ever read the comments.

#798 NuB on 08.30.16 at 2:19 pm

Ages: 66 own small business, husband 70 franchisee (about to retire)

Zero debt, zero mortgage
(own house on C5 zoned acreage)

Annual Incomes:
RE investments $76K
Other investment: $5K
Pensions (puny) $35K
Wages $72K

Next year: sell residence/C5 acreage (one title) for $2.4 mill. Property is in one of the most desirable areas.

Both of us look forward to downsizing in 2017.
Love your blog, Garth!

#799 Dick Black on 08.30.16 at 2:24 pm

Ages 57 & 62
Common law – no kids
Household income: 130k
Net worth: 1.3M plus dbX2
Occupations: Health Care and Provincial Government
Own a home. No Debt

#800 GeniusMoney on 08.30.16 at 2:24 pm

Gold licker, crypto currency addict reporting in…

Gender: Male
Stats: Married, 2 hella cute crib-lizzards
Age: Early 40’s
Income: $125,000
Status: Married
Job: IT manager
Stocks/ETFs/Mutual Funds and other Keynesian scams: $0 (for nearly 8 years now)
RRPS Bonds: About $100K, cuz company forced me to invest in shit I can’t touch for another 20+ years!!
TFSA: $15K or so
Precious Metals: $300K… up over 15% this year
Crypto Currencies: $500K up over 3,000% this year (not an exageration).
Cash: $50K or so
House: Not in this ridiculous market! I rent. I do intend to buy a house after the crash though.
Car: Used, $40K. Previous car was a beater worth $1100.
Debt: $0

Aspirations: To be retired in the next 2-3 years. Crypto currencies will get me there. I just need to hit one more x10 return and I’ll be financially free.

Opinions: Garth & his Kenysian buddies are going to get creamed in the next stock market meltdown. Garth has been wrong about housing and gold for years, though I admit, I thought this house bubble would have popped years ago. No guns & ammo for me though, I’m not completely crazy, though I do believe in UFOs.

#801 UrRight on 08.30.16 at 2:25 pm

Age: 29 Recently Married
Income: 80K; Software Developer
Net Worth: Less than my Income
Debt: Not a single Dollar till now
Recently Moved to Canada
Enjoying Life…& Reading Garth…

#802 dan on 08.30.16 at 2:28 pm

52 yrs male recovering from heart attack /married 12 years and going strong
self employed as lazy IT consultant, And both looking for new challenges outside QC
Revenue $60+ $40k wife as CPA/CGA =$100k
1 child in grade school, 2 cars , 1 utility trailer, 1 motorcycle and 3 egg laying chickens.
net worth $400k invested in stock market + $55k cash down in house +$20k cash emergency funds with the fruit bank.
waterfront home worth in QC $300k with $170k left on mortgage.

#803 DM on 08.30.16 at 2:30 pm

36 (engineer), married (banker), wee-sprog on the way.
Household income: $125k
Liquid assets: $320k
Net assets: $620k (two condos, one of which is an income property, both purchased >10years ago).

#804 Capt. Serious on 08.30.16 at 2:31 pm

The most striking thing about some of these posts today are the high incomes and low net worth. How can some let so much slip through their fingers?

To be fair you’d need to see the time series of their salaries and life events to be able to make a reasonable judgement.

#805 meslippery on 08.30.16 at 2:32 pm

Seems their is a lot of dogs for T-2 to tax hard.
The 1% all read Greater Fool.

#806 GTA Corporate Drone on 08.30.16 at 2:33 pm

Male 51, Spouse 46
2 Teenage kids
Income: 230K
Net Worth: 1.9MM
House – 850K
RSPS – 700K
RESP – 70K
Non-Registered – $250K
PV of DB Plan – ~200K
Investment LOC – 150K
Car Loan – 30K

#807 DT on 08.30.16 at 2:37 pm

Age: 33
Income: $100k/yr
Net worth: $650k
Married: No
Work: Military
Own/rent: Rent

…and here’s a better way to collect data: https://docs.google.com/forms

#808 CrispyKDizz on 08.30.16 at 2:51 pm

Age: 32 & 36
Income: $55k / ~$100k household
Marketing & Design Professionals
Married, no kids, 2 beagles
Own a townhouse
$135,000k Household net worth, with RE

#809 Old Man Too on 08.30.16 at 2:56 pm

Age 60
income $132k
NW: $1.6M
Married (who knew ’til death do us part would take so long)
Downsized to a Condo (oh the horrors!)
Employed in the Oil & Gas Industry

#810 boonerator on 08.30.16 at 3:02 pm

Age:68 (retired)
Income: Joint with wife: $70k
Net worth: $400K liquid. $3K/mo from DB pension, value= ??
No real estate, renters from now to the urn.

#811 Another Alien on 08.30.16 at 3:05 pm

#195 Smoking Man on 08.29.16 at 8:02 pm

#53 Tuxedo on 08.29.16 at 6:49 pm
Age: 27
Combined income: $160,000
Net worth: $500,000+
Government employees

And I challenge Smoking Man to tell the truth after reading his endless drivel on this blog for a looonnnggg time.

I’m not sure the world is ready for full disclosure.
What the hell.

I have a mansion on Nictonite, it’s located on Lake Orgasmatron. My x wife Debbie divorced me and took all. The pool boy took up residence. That was 50 years ago

I’m paid as star ship pilot. 500 Nicto-Notes a year. Don’t should like much but we still have gold standard back home.

On Earth.
Currently I reside in a small bungalow in Shlong Branch. Re mortgage it every year. And funnel off the proceeds to an un named Island.. Where Nictonites are considered friends, no phyco lefties who are scheaming 24/7 on how to take every last dime you have.

Trading activities, can’t say. Text Encryption business, can say. Sales are mostly to off shore entitys. Non disclosure agreements.

Consulting income after expenses, Just enough to pay the bills and minimum taxes.

Have a pick up truck with a cracked windshield roll down windows, broken air conditioning. Worth 2k

I have a boat, but it’s not in my name. It’s a lowner.
Have a new renovated cottage in Maskoka, with a partner. Again, it’s a hand shake. Nothing in my name.

All the shit I say on here, it’s only a matter of time before the communist come knocking down my door.

Been preparing for 2 years now.

I know Wynee and T2 are coming for my wallet soon. Too bad it’s empty…

There you have it…

And remember I’m a big lier and talented fiction writer.
Well finally full disclosure from we aliens. Last week Smoky posted his address in Shlong Branch and sure enough I took a walk down that way this week when I was down to see a friend in the area. There is an old Grey Ford pick up parked out front of the corner of James st. Perhaps he was a truther? Could this fiction? On my planet we don’t write fiction we assimilate and conquer.

#812 Al on 08.30.16 at 3:12 pm

Age: 44
Income (family): 39,000
Real Estate (family) – none
Debt (family): $ 7000 (car loan)
Saving: (family)$ 2000

Married, no kids. IT (sysadmin)

#813 Smoking Man on 08.30.16 at 3:16 pm

Hey, James, from your favourite bullshitter.

1.30866 0.76414 169,069

Contracts 650 P&L= 1,057,179
1.2924 100,000.00 84,005,721
1.3087 100,000.00 85,062,900

Ave Buy In 1.2924 169000 982,050 0.005
QTY Price At Risk P&L Next Order
50 1.2774 13000 156,450
100 1.2824 26000 262,600 1.2824
100 1.2874 26000 212,600 1.2874
100 1.2924 26000 162,600 1.2924
100 1.2974 26000 112,600 1.2974
100 1.3024 26000 62,600 1.3024
100 1.3074 26000 12,600 1.3074

#814 Preaching to the Choir on 08.30.16 at 3:22 pm

Wow – it looks like 99% of the posters here are the 1%.

That means a lot of preaching to the choir and a lot of those seeking validation and confirmation bias. And perhaps a good chunk with internet braggadocio.

#815 raisemyrent on 08.30.16 at 3:23 pm

long time reader, occasional poster. haven’t read comments much since it went mental. glad to see Smokey is still around, though.

Age: 32 for both
Income $85k per year
Net worth: $330k
Martial Status: Married (kids planned)
Living Arrangements: Renters
Occupation: 1 Civil/Environmental Engineer plus 1 MA in Music (Voice)

Other: Construction Project Manager on salary with DC pension, singer/webmaster/payroll/movie extra/full-time student squeeze has variable income of up to $40k, renting Yaletown penthouse, 2-3 big holiday trips per year, 2016 german coupe plus an SUV for the dog, still some room in RRSPs and TFSAs.
No cash accounts, cats, real estate, long term debt, or GICs.

#816 Hg on 08.30.16 at 3:33 pm

Net worth:200k

#817 Smoking Man on 08.30.16 at 3:36 pm

If this don’t put a nail in Hillary’s coffin nothing will.


#818 Smoking Man on 08.30.16 at 3:39 pm

#799 Another Alien on 08.30.16 at 3:05 pm

Don’t be so shy, next time come by for a beer.

#819 Rob on 08.30.16 at 3:46 pm

Age: 33, Male
Married, 2 kids
Location: Toronto
Occupation: Accountant
Household income: 215,000
Home equity: 495,000 (Net of approximately 7% disposal costs)
Investments: 248,200
Cash: 64,500
Total net worth: 807,700

My wife and I have been very lucky and blessed, we were able to live with my in-laws in their raised bungalow basement apartment for 6.5 years practically rent free (paid property taxes, water & waste bill and rogers bill).

We were also gifted approximately 110,000 5 years ago which has grown quite a bit in this bull market.

#820 VJGoh on 08.30.16 at 3:56 pm

Age: 39
Income: $85k (1 income, 1 grad student)
Debt: $18k LoC
Assets: ~$200k investments
20 years with my partner.

No kids, 2 cats.

#821 AJs on 08.30.16 at 3:57 pm

Age: 36
Income (family): $220,000
Net worth: $2M (1.8M in house)
Married, two kids.
House in Lower Mainland
Profession: Scientist.

#822 Greater Fool Reader on 08.30.16 at 4:11 pm

A lot of liars and exaggerated values…

Age: 31
Income: 85k
Location: GTA
Cash: 65k
Investments: ~10k – Work run group plan with 25% match
Living with parents, sold condo last year for small profit.
Owned car, no loan, worth about 10k.

#823 Kim on 08.30.16 at 4:13 pm

Family physician, wife is a stay at home mom. I am mid 30s, wife early 30s.

Net worth, about 1.2 million in investable assets. Mortgage of about 520k left in Vancouver property. Probably worth about 2 million but probably less given Vancouver real estate is about to crash

Income? Who knows. I make 180k salaried, including with 2 db pensions and benefits and vacation. About 360k gross billings in medical corporation. Minus expenses probably about 280k take home in my corporation, I have about 45-50k in rental and dividend income as well.

#824 Richard Kandarian on 08.30.16 at 4:14 pm

Age: 62

Divorced with 21yo son who’s a stellar student aiming for law school earning money towing gliders into the sky. He started flying at age 12.

I retired a year ago from programming computers at Los Alamos National Lab at $140K with a ludicrous amount of money in my checking account.

Income: $90K, DB pension 66% (17yr) + Social Security 25% + IRAs remainder.

I’m living in a house I built (really, I did most of the work myself) next to a mountain stream 20 years ago.

I never bought a house.

Hard to know my net worth

BS Chemical Engineering (which I never did — closest I ever got was control systems engineering).

No debt, don’t even have a credit card.

There are those who would say I don’t have a life.

Got to your blog yesterday (good thing I don’t keep a schedule) via a Google search on ‘Canada are “recourse mortgages”’ because of an RT article on Canada real estate cratering.

Figured after reading awhile that you are too smart to be a conservative but probably were anyway being interested in money. Checked to find out you go either way — not surprising.

Back again today because I had a hell of a good time reading your blog yesterday. But nothing lasts so I’ll probably fade away.

#825 MissConstrued on 08.30.16 at 4:20 pm

Garth, you changed the pic. And you thought I wouldn’t notice.

800+ comments – very impressive. Can’t wait to see what your number cruncher minions report later today on the state of your pathetic blog dogs.

We are blog – resistance is futile.

#826 jame on 08.30.16 at 4:21 pm

#801 Smoking Man on 08.30.16 at 3:16 pm

Hey, James, from your favourite bullshitter.

1.30866 0.76414 169,069

Contracts 650 P&L= 1,057,179
1.2924 100,000.00 84,005,721
1.3087 100,000.00 85,062,900

Ave Buy In 1.2924 169000 982,050 0.005
QTY Price At Risk P&L Next Order
50 1.2774 13000 156,450
100 1.2824 26000 262,600 1.2824
100 1.2874 26000 212,600 1.2874
100 1.2924 26000 162,600 1.2924
100 1.2974 26000 112,600 1.2974
100 1.3024 26000 62,600 1.3024
100 1.3074 26000 12,600 1.3074
Nope you not my favorite Bullshitter, that would be Donald Trump! Thanks for posting a Forex cut and paste that anybody with a computer could massage.

#827 littlebees on 08.30.16 at 4:24 pm

Age: 25
Income (family): $110,000
Net worth: $60K (Renters, 2 years out of uni)
Living common-law
Profession: Both engineers

#828 Not Saying on 08.30.16 at 4:25 pm

#810 – posting this regardless of your willingness to believe it.

53, 48
2 in University, 2 already out
GTA house 1/3 mortgaged
(sorry Garth, no Dog)

#829 Niagara on 08.30.16 at 4:26 pm

I really hope you have a better way to get your answer other than tally counting!
AGE: 33 ( did not learn English until age of 25 when I moved to Anglo first world. A competitive disadvantage in a way, but a hell of an advantage in adventure on the other hand.
Income: 80K
Savings: 85K (held in GICs until 6 months ago when I started reading your blog).
Debt Left: 3K (OSAP)
I’ll go to Turner Investments when I reach my 100K mark. Or is there a minimum rqrd’ before I can contact these guys?
Female, single, renter, who finds Garth a bit gender biased at times (male chauvinist perhaps?)…but I can handle that and still laugh out loud with this blog.

#830 Ruane on 08.30.16 at 4:30 pm

…so how are you compiling this information?

34 YO female.
Income ~ 49-50K for the last two years. Average previously under $30K.
Net worth about $21K (sad emojee) all accumulated in the last two years. Working on this, I’m new to this finance stuff.

#831 JuliaS on 08.30.16 at 4:31 pm

Female, 34
Job in IT
Married, 1 kid
$75k income
$50k savings – half in cash, half in investments
$0 debt

#832 farsyd on 08.30.16 at 4:31 pm

Age: How I feel 35, years 44
Income=Expenses (at every income level over 20 years)
Wealth: My health, loving wife and 3 healthy wonderful kids
Occupation: Truthseeker and sometimes risk manager
The house owns us via maintenance and lawn work

#833 Anonymous on 08.30.16 at 4:31 pm

Age 40
Income 180k
Networth: 1.7M
Financial Tech Consultant
Married with 2 kids under 6
Assets mostly in Real estate (toronto)
Just bought my first Merc (quite wastefully fun)

#834 veronica on 08.30.16 at 4:32 pm

Gender: female
Age: none of your damn business, but most would label me as past my best before date
Income: 60K
Single, no kids
Own house in Toronto (as in I own it, not the bank)
Net worth ~ $1M (of which $750k is the house value)
Will one day receive a defined benefits pension – less than 30K annually, before taxes

I read this site (and several others) to learn more about how to invest my money (and to recognize bullshit when others try to pull a fast one on me)

#835 Samurai on 08.30.16 at 4:37 pm

Age: 39
Location: Toronto
Male, married
Income: $101K
Retirement: DB pension + $213K LIRA + $83K RRSP
Liquid: $176K
Debt: $1200 credit card.

#836 wheredidigowrong on 08.30.16 at 4:39 pm

30 F
0 kids
~$150 k household income
husband is a self employed plumber & welder, I am a public sector employee
$200k net worth
house in the GTHA

#837 Niagara on 08.30.16 at 4:42 pm

I can also tell you about my friend who has read your blog for years and wont dare to enter his info because the tone of the comments has been set by $200K+ couples.
Male. MArried. 38y/o. $65K family income. 2 kids. 50K student debt. Renters.

#838 Rubber Man on 08.30.16 at 4:54 pm

Age: 44, common-law spouse: 51, combined $81K income (71K IT Professional, 10K Disability benefit)
Investments: 225K (RRSPs, ETFs, LIRA, TFSAs)
Property: 250K downtown Vancouver condo @ 2015 city appraisal
Liabilities: 25K LOC, 20K investment LOC

#839 NoName on 08.30.16 at 4:55 pm

#793 meslippery on 08.30.16 at 2:32 pm

you see, you are not seeing that wright, think in percentages of after tax disposable income. higher earners are taxed more but lower earners are the one that feel day to day a pain the most.
lets asume this, regardles of income there are many comon gov services that hi and low earners use daily but aren’t afecting them equaly.
lower income are lot more affected buy contributing to same services. taxing more hi earners does not eliviate any pain form lower earners.

Do you think that old granny fell same pain as someone earning 100+ when hydro rate goes up, because everyone decide to conserve power because all summer long gov is crying a blues, grid will fall apart reduce power consumption.

procentage of after tax money that is grabbed by gov in forms of service charges and other fees is one that cripples low earners. tax and fee for this, service charges for that.

why we are spending money on bike lanes, when we all wait for specialist, mri or surgery.
why bike lanes that important, just for the fact that are not in use 4-5 month each winter and seldom are used thru rest of the year, could we use same money and lets say buy mri machine or help already mentioned granny to wait less for hip replacement
i guess logic dictates bike lane are better choice…

but what do i know, i am wannabe rich.

#840 Jim on 08.30.16 at 4:56 pm

Age = 51
Household Income = $40K
Net Worth = $600K ($375K house, no mortgage)
Married, no kids

Occupation: Computer Science PhD student (graduating next month) which doesn’t pay that well.

#841 Glen on 08.30.16 at 4:56 pm

Age: 62
I’m an office manager. Married.
Wife is a fully employed as a health care professional.
In the process of owning our new home which I was the general contractor overseeing its construction.
Additionally we own one unit in a four unit duplex generating positive cash flow.
Income (together): $100,000.00
Net Worth: $450,000.00

#842 Context on 08.30.16 at 4:56 pm

Age: Like a bottle of fine wine.
Status: Single and retired.
Trust Fund: 1 million CAD.
Real Estate: Andorra corporation 50% ownership
in condo $308,000 EUR.
Mexico corporation 50% ownership in condo that
is leased to the Government $2.58 million pesos.
Holding Company: Various investments both good
and bad $17.6 million CAD.
Pension: $4,000 annually.
Residence: renting.
Total Income: Enough to pay my bills.
Transportation: Gave car away to charity so its a
taxi or daily rental to save money.

#843 svan on 08.30.16 at 5:00 pm

age: 50 F
income: $57,000/yr
net worth: 1.2M (house not included)
vancouver house, no mortgage
business owner

#844 Brazil ex-pat on 08.30.16 at 5:01 pm

#792 Capt. Serious on 08.30.16 at 2:31 pm
The most striking thing about some of these posts today are the high incomes and low net worth. How can some let so much slip through their fingers?

To be fair you’d need to see the time series of their salaries and life events to be able to make a reasonable judgement.


Your joking right? Canada – one of the highest taxed and highest cost of living places in the world…..

#845 LE Algae on 08.30.16 at 5:06 pm

Age – 64
Income – $63k/yr (DB pension + CPP)
net worth – $330,000 (RRSP,TFSA)
rent in Van – got a great deal, but still 2x what it cost me to own my home in ON – no longer need 2 cars
Married – spouse can’t stand working for someone – has started 3 businesses – let’s just say I’m glad I’m there to pay the bills
Have owned 7 houses across S Ont – have never lost $, but broke even twice. Never made much either.

#846 Playing Monopoly on 08.30.16 at 5:12 pm

Male 67.4
retired at 41 and playing monopoly since then
Net worth cut in half in 2000 by Divorce
Cut the cord from employment at 25 years old
No previous family wealth or inheritance
started from ZERO at 16
Income in company and mostly kept there
Personal income whatever accountant advises
Net worth if all corporate real estate assets liquidated
and added to personal $$ about 40M
200k a year to charity
Family home YVR suburb $5M
currently 10M in GIC waiting for opportunities
no etf
no stocks no bonds
RRSP 50k

may be time to have a meeting with Garth

#847 Smoking Man on 08.30.16 at 5:18 pm

#803 raisemyrent on 08.30.16 at 3:23 pm
long time reader, occasional poster. haven’t read comments much since it went mental. glad to see Smokey is still around, though.

Where have you been?

#848 Playing Monopoly on 08.30.16 at 5:20 pm

There seems to be some who dont believe the numbers.

True most of the true wealthy are probably worth
much more than they state here.

#849 Anon on 08.30.16 at 5:23 pm

Female. 28. Common law. $70000 ($140000 household). Renting and working in marketing. Assets around 70k ( personal).

#850 IndigoCgy on 08.30.16 at 5:26 pm

– Male (33) and single
– Income: $265k /year
– Net worth: $625k (100% invested, no real estate)
– Renting at $1500/month in downtown Calgary
– Oil and gas

#851 JD on 08.30.16 at 5:30 pm

Canada population = over 30 Mil
Visitors here = over 1 mil
If one to assume that posted incomes here is true, our statistics Canada boss need a decent cage shake in his data mining and analytics department! Official numbers are so low or Canadians are genuinely way more generous in disclosure of personal income in blogs spheres than CRA!

#852 Smoking Man on 08.30.16 at 5:31 pm

#831 Brazil ex-pat on 08.30.16 at 5:01 pm
#792 Capt. Serious on 08.30.16 at 2:31 pm
The most striking thing about some of these posts today are the high incomes and low net worth. How can some let so much slip through their fingers?

To be fair you’d need to see the time series of their salaries and life events to be able to make a reasonable judgement.


Your joking right? Canada – one of the highest taxed and highest cost of living places in the world…..

Hey how do you get to live there permanently?

#853 sunshine from Africa on 08.30.16 at 5:39 pm

38 & 32
1 past the goalie
0 (start-up) – 300k (so far) USD/EUR income
350k liquid portfolio, re-invest most in own ventures
+ whatever the big boys will pay to buy in
boss of you engineers & finance nerds
the smoker is often right, but not on climate change

#854 Tanik on 08.30.16 at 5:49 pm

Age: 42, male
Married with 4 yr old child
Income: ~ 300k
Net worth: ~ 1.7 mil
No house, currently rent brand new 1.5 mil place in Vancouver for $3200/month.

#855 Greed is God on 08.30.16 at 5:49 pm

Age 44
Income: $85k
New worth: $100k (ouch. in my defense international adoption is expensive)

#856 TRON on 08.30.16 at 5:54 pm

Hi Garth,

36, Spouse, 34
Personal Income: $105,000
Household Income: $155,000
We both have DB pensions.
Renting, live downtown Toronto
Net worth: $90,000

I work for the labour movement and am a lifelong dipper so I don’t always agree with your politics, Garth. But debate is good and I am thankful for the expertise that you give away for free on this website. You are a very fine person and I respect your integrity.
All the best.

#857 Chub and tuck on 08.30.16 at 6:00 pm

Age: 37
Net worth ~350k
Household income:80k I’m on ei right now
Almost all money is in house but we own 80% of the house not the bank

#858 Context on 08.30.16 at 6:00 pm

The bank with no account there on the new credit card where the magnetic strip works fine finally got the first four digits up so I could pay my bill online with the Royal Bank. Motto learned is the barking dog gets fed first as will pay no interest penalty for being late. The roll over started on June 15th, and on the phone are telling callers because of a pending mail strike your new cards are being held back so worry not you will get them later. For those in the same boat hit the star button and talk with a no nothing, as had my card two months ago and thought it safe to activate – good luck with that.

#859 Capt. Serious on 08.30.16 at 6:00 pm

#831 Brazil ex-pat

Your joking right? Canada – one of the highest taxed and highest cost of living places in the world…

No. Some households here are clearing $200k, but if you want to understand their net worth you need a lot more information than just that. i.e. maybe their household income was ~80k until a year ago. Massive difference.
I don’t know what the point of bringing taxation into this is, actually. Obviously if taxes were lower, all else being equal (which of course can’t be) people would have more money to save (or spend).

#860 bill on 08.30.16 at 6:06 pm

the same as last time…pretty well : 2 city lots in vancouver ,40 or so acres on a gulf island and the new part about 100 000 can as a legacy… other wise same [me] retired and a health professional at gf strong.
-and a pile of obsolete digital recording equipment
almost forgot that…

#861 JRH on 08.30.16 at 6:19 pm

I’m on the wrong site ?

#862 Pillboy on 08.30.16 at 6:19 pm

Male, 32
Long term relationship
Occupation: pharmacist
Income: 102K
Net worth: 375K investments
No real estate

#863 mouldyinyvr on 08.30.16 at 6:22 pm

wow 840 replies! …….well here goes
still solvent thanks to DBP…..aging….(let’s just say my mum is almost 90!)
I’m very diversified…..a bit too diversified at this point. As you say, Garth, it’s all about cash flow……should be good for another 15 years……at that point I’ll ‘crowd source’ to raise funds from your ‘dawgs’ (if you don’t mind)…….
I have property in a distant land which I rent out – I rent and live comfortably in YVR……….If my rent goes up, I will have to move…..not a pleasant thought, given my age……
Anyway, life is good….I enjoy your blog…thank you!

#864 donkey kong on 08.30.16 at 6:28 pm

30 year old common law
65K single income, soon to be double
investments ~400K
debt ~50k
rent 1300/month

#865 PJ on 08.30.16 at 6:29 pm

Family income$150k, real estate $225, savings 500k, 1 DB pension tied to cost of living $3300 & 1 pension $250k. Age 64 & 60.

#866 Steve on 08.30.16 at 6:30 pm

Age 32
Income 65k household 145k
Networth 190k household networth 336k(but the wife has dB pension) about 40% is the house.
Are you gona make Ryan and Doug compile all of these stats?

#867 Liquid on 08.30.16 at 6:31 pm

Age = 29 M
Household Income = $90K ($70K active, $20K passive)
Net Worth = $500K
Single as a pickle

Occupation: Full time graphic designer. Part time teacher.

#868 Ponzius Pilatus on 08.30.16 at 6:31 pm

Should it not be “Whose are thou?”

#869 Done by Forty on 08.30.16 at 6:41 pm

Age: 36
Income: approx $120k (US)
Net worth: $827k (US) – $633k liquid, $194k equity

#870 Canadian Millenial on 08.30.16 at 6:43 pm

Age: 29
Income: 70,000
Net Worth: (-20,000 student loans) only debt I have
Job: Design Engineer
Married 2 kids

#871 Recovering YVRer on 08.30.16 at 6:53 pm

Technology professional (43), married 19 years with 2 daughters
Income= $150K (husband)/60K (me part time)
Investments= $400K (TFSA/RRSP/Balanced Portfolio)
House Value= $680K
Mortgage= $380K
Net Worth= $700K

#872 acdel on 08.30.16 at 7:01 pm

Age 51
Net worth around 60k.
Single and loving it.
Lost it all in 2009, job, wife etc.
Cashed it all in, traveled the world, best decision I ever made.
Rent, work seasonal full time during spring,summer and fall, part time during winter.

Life is good!

#873 latetothegame on 08.30.16 at 7:02 pm

Me 58. Truck driver. Wife 48. Woo hoo. Home owner. Halton Hills. Combined income. 90k. Net worth. Negative. I think it’s time to rent. Looks like I will be working till I die. Love the blog by the way. I’m learning.

#874 Heracles on 08.30.16 at 7:18 pm

45 (this blog makes me feel older) wife 42
Combined income $200
Calgary home worth $700k (and dropping fast!)
Net worth – $600k

#875 bigbrotherfan on 08.30.16 at 7:25 pm

Male 35
80000 income
networth: hard to say with a defined benefit pension. 130k liquid asset, an old Lincoln

The Lincoln is still making me smile. Old man cars are dope.

#876 brntnrtn on 08.30.16 at 7:31 pm

Age 63
Income 100k
Net Worth 4.5M
Own Mortgage Free Value 400K

#877 Theodopolis on 08.30.16 at 7:43 pm

Age: 48
Public Servant (DB plan)
Combined income ~200k
1 kid (8 yrs old)
combined liquid assets (RRSPs TFSA RESP) ~130k
house ~$520k mortgage $290k and dropping

#878 Bytor the Snow Dog on 08.30.16 at 8:07 pm

Wow. Garth’s blog is now Facebook.

I don’t participate in Facebook. It’s entertainment for the dumb.

#879 Hamcouver on 08.30.16 at 8:09 pm

Age 43
Income (family) 360k
MD and self employed partner
Net worth 800k
Three children
Rent house

#880 Jake on 08.30.16 at 8:10 pm

Hopefully someone is bored enough to amalgamate all this data. Ain’t gonna be me.

Age 41
Happily married w/ 2 kids
Rent in Vancouver.
Income: $256,000
Net worth: $1.9 million (approx.)
Occupation: self employed

#881 Learning the hard way on 08.30.16 at 8:26 pm

31yo M married
200k household income
250k net worth
1x DB pension at 60 = ~75k

#882 crowdedelevatorfartz on 08.30.16 at 8:37 pm

@#762 Brazil expat
You’d let me sleep under the same roof as your “hot thin wife”?
I have to let you know that I’m affiliated with Bulimia/Anorexia Anonymous”( Not to be confused with “BAA” the sheep perversion site) and I would feel its my sworn duty to make sure she’s well “fed”

I’m packed.


#883 TheProf on 08.30.16 at 8:39 pm

Age 46
Combined income 160k
Net-worth: 500k

#884 RoamingPeanut on 08.30.16 at 8:56 pm

34 F
Specialist MD
Annual Income ~450K (pre-overhead)
Soon to be married, No Children, No RE, compulsive $$ saver.
Learning to manage own investment portfolio and starting a finance club for other financial illiterates. Advice welcome!
Net Worth: 1.25M

#885 DiDi on 08.30.16 at 9:15 pm

Female 46
Annual Income $250K
Spouse $90k
Net Worth $800k
No house. Renting.

#886 Definitely not a one-percenter on 08.30.16 at 10:56 pm

Being honest here…
49 yrs old
Household income: $75K in small town Ontario
(Me: non-profit organization; Hubby: delivery driver)
Net worth: $150K
2 (now grown) kids
We have learned to live with little and thank goodness money is not our first priority – although that doesn’t mean that I wouldn’t like more

#887 Franco on 08.30.16 at 11:23 pm

So many clowns. What’s the point of all this?

#888 Charity on 08.30.16 at 11:24 pm

Age: 46, Male
Divorced 3 kids live with me
Location: Alberta
Occupation: CEO
Household income: 115,000
Home equity: 250,000
Investments: 190,000
DB: 253,000
Cash: 13,000
Total net worth: 706,000

#889 A on 08.31.16 at 1:19 am

Age: 40, male
Gross income: ~100k
Wife’s income: 0k
3 kids
Renter in LMD, BC
Net worth: ~$700k (liquid & balanced)
Employment: civil service

#890 InsiderWithStats on 08.31.16 at 1:41 am

Male 41
Annual Income $450K
Spouse $100k
Net Worth $1.5M
No house. Renting.

#891 JS on 08.31.16 at 2:14 am

Age: 45 single male
Annual income: $46,000
Net worth: $88,000 (started extremely late in the game after decades of low paying jobs – but I’m playing the game now. This blog is excellent for learning.

#892 Dan on 08.31.16 at 6:55 am

Yearly – approx. 70k
NW – 300k
6 kids :)
Basically the richest here. ;)

#893 Atrate on 08.31.16 at 7:03 am

Wow. 878 comments at the time of this writing. Is that the most you’ve ever had on a single post, Garth? Anyway, here goes:

Age: close as dammit to 55
Sex: F
Status: Amicably divorced after 13.5 years of marriage (didn’t quite manage the average, but if you add the 4 years we lived together… :)
Income: $97,000
Net Worth: $800,000 give or take
Homeowner with a small mortgage
Line of Work: federal gov’t employee since 2010; private sector (IT, construction, accounting, consulting) before that

I have not read all the comments, but we seem like quite a diversified lot from what I’ve seen. I am looking forward to reading the rest and learning a bit more about my fellow blog dogs.

#894 Anonymous on 08.31.16 at 8:19 am

Single. Female. 50. 2 cats. Work a lot… but do have a life – get to almost all the games in the NHL season. (Have seasons tix.) And, summer spend a lot of time in Niagara on the lake (belong to wine clubs). Travel to Europe and the states regularly.

Income: base salary $130; bonus $50 cash $50 RSUs 3 yr vesting period
House: $700
TFSA self-directed: $60
LIRA self-directed: $40
SDRSP: $270
Employer defined benefit pension plan: vested at an income of $12k today; trending to $40k/yr
Non-registered investments & savings: $330
PEA: $100
Car: $25ish (depreciated). Ford escape

No liabilities

Maybe you should turn this “who you are” into a dating site. It’s better than match.com

#895 Ottawa gal on 08.31.16 at 8:37 am

Female, 47
Software developer
Recently divorced
Income 85K working for the federal government
Net worth 200K after equal split of assets plus future DB pension.
Grown up kid just left the nest.

#896 A Millionaire Next Door on 08.31.16 at 8:46 am

Age: me 50, spouse 51
Income: Household (approx $185,000) not including approx $100,000 / year passive income from investments
House: $900,000 (no mortgage)
DC/DB Pensions: approx. $600,000
Investments (non-reg, RRSPs, RESPs etc): $2,075,000.
Net Worth (Household): 3.58 Million.

Typical Millionaire Next Door example: cheap, live below means, no inheritance. Bulk of NW from picking dividend stocks cheap from 2008/2009 and 2015/2016 and reinvesting all distributions. Using the power of compounding the most underestimated investment strategy out there.

#897 ExpatInUS on 08.31.16 at 9:38 am

Man, I feel like a loser reading some of these posts (young age, crazy high salaries). Anyway, here goes.

Age: 50 – Married, 2 kids
Income: $136k
Net Worth: ~ $1M

#898 Anonymous TO on 08.31.16 at 10:09 am

Age 28
Spouse age 28
Family Income $140,000
Family Net Worth $70,000
Occupation Lawyer

#899 TL on 08.31.16 at 11:27 am

male. married. retired retailer. age 63. Currently renting. investments approx. 2 mil. no debt. Pretty much saved it all after age 50 -then sold business at 60.

#900 mrniceguy on 08.31.16 at 11:38 am

income $6,000.
assets $50.
debts $80,000.
rent $650. 1 bedroom apt. Can make rent this month.
Toronto area. PT caretaker.
This summer, enjoyed 6 Timmies icedcapps, one road trip to a park for a swim and a day at the the Exhibition – $30.

#901 JMF on 08.31.16 at 12:10 pm

Age: 35
Sex: Male
Income: $127k (after tax)
Net Worth: $120k (started late, liquid & balanced)
TFSA: Full
Bicycles: 2

Single, renting (abroad), lawyer/civil servant, finished school at 27 with big debt (BEng, JD), went back for more (MA), debt free now.

Portfolio is 100% index funds (coverting to ETFs). First time posting, recently acquainted with and enjoying the blog.

#902 ClimberGirl on 08.31.16 at 12:22 pm

Female (physicist)
Married, Renter (YVR), No kids
Age(s): 37
Income: ~140K
Net worth: ~1.1M

#903 WJO on 08.31.16 at 12:27 pm

Age: 42
Income: $110,000
Net worth: $100,000
Married 17 years
Rent: $1345/month
Grateful to be working geologist…after a near bankrupting layoff period.

#904 DRN on 08.31.16 at 12:38 pm

Age: 30
Income: 100k (me) 165k household
N/W: 120k

#905 mike as in mike on 08.31.16 at 1:19 pm

Age: 61
Working part time for the fun of it
Income $75K (includes pension, part time job, investments)
No debts. No mortgage
Net worth – 1.2 M

#906 Rene on 08.31.16 at 1:35 pm

Age: 38
Household income: ~$125k /year
Household net worth: $300k
Married, 3 kids
House with 50% equity

#907 surveysteve on 08.31.16 at 1:37 pm

male age 28
net worth – 70k
salary – 90k
occupation- land/tunnel surveyor for the Eglinton crosstown subway (sorry about the traffic midtowners)

#908 J on 08.31.16 at 2:59 pm

female, age 40
income – 92k
RRSPs and TFSAs – 91k (started 11 years ago)
Victoria; mortgage on condo remaining 145,000 (had 20% down)
defined benefit pension
one dog plus aging parents who have a pack of dogs

#909 Mr & Mrs Q on 08.31.16 at 2:59 pm

Age: 36 (Wife is 31)
Income (household): 220k = 140k (me) + 80k (wife)
Net Worth: 425k (invested & diversified – fully liquid)
RRSPs and TFSAs maxed out
Debt: $0
Rent 2bd/2ba in Vancouver West End for $2750/mo
No house
Married, 1 daughter
Self-employed contract-based IT consultant
Wife is an RN

#910 Josef Zavadil on 08.31.16 at 3:15 pm

Retired couple (69 years).
Household income: about 130k$
Investable assets: 1.7M$

#911 TheIrishBlur on 08.31.16 at 4:20 pm

Male, 34
Income – $53K
Networth – $15k (invested.. not making much)
Renting in Toronto

#912 Tom K on 08.31.16 at 4:26 pm

Who I am: Male, age 42, married
Income: 75k solo, 150k combined
Net worth: >500k incl. principal res (worth 850k with 500k mortgage)
Own in Markham, but want to cash out and rent. Had all extra money in RE last year, but liquidating and moving to RRSP. Keeping principal res for now.
Analyst for Asset Mgmt Co.

#913 Franco_Begbie on 08.31.16 at 5:55 pm

Age: 31
Gender: Male
Status: In a relationship, live alone.
Income: $55,000
Net worth: About $670,000 (approximate worth of house is 650k. 12k in an RRSP 8k in a money market fund. Not much savings, just paid off house.
Debt: None.
Career: Cleaner.

#914 Cosmo Kramer on 09.01.16 at 12:25 am

M 45, married with two kids
Income averages ~$300k/yr
Net worth $1.3M
Engineer & business owner
No inheritance and graduated university with student debt.

#915 DAC on 09.01.16 at 1:41 am

Male 35, software engineer.
Income $85K, household $150K
Net worth $450K, all liquid. No debt.
Renting in Vancouver.
3 kids are making it harder to grow that net worth quickly.

#916 dgb on 09.01.16 at 5:45 am

age:63…female…divorced 13yrs-got $90,000-bought house $67,000,vehicle and lived till job opportunity arose…sold house $160,000-kept$10,000 and moved-invested remainder in new abode paid $285,000 lived like a queen for 7 yrs-sold $299,000(consider I lived rent free for 7yrs)not much profit in sale though considering interest paid)..now night cook income$42,000/yr…rent-$750+utilities…hit in vehicle accident while walking!-invested ALL profits(not a great way to make money but worked for me and I’m okay)…..sunlife rrsp-$160,000…sunlife lira-$17,700…self directed tfsa-$42,000…self directed unregistered-$35,000…savings account $8,000 waiting for investment opportunity…owned vehicle…no loans..credit card dept-$0( just use it for cash rewards-about $300 per yr to invest)hoping to retire at 65 but it’s not looking good as everything is costing more these days…looking for older rich guy to have fun with and waste away with..oops wrong site!!cheers Garth..love this blog…any suggestions as to should I? or how do I? get my rrsp and lira transferred into self-directed accounts??? as sunlife accounts down $2700 yr/date and tfsa/unreg up $11,200 yr/date($12,500 high this yr)about half the investment amount as sunlife..what’s with the pros who can’t make a profit!!!!

#917 Ed on 09.01.16 at 11:07 am

Male 66 years old, still working, current income $160k/yr, previously retired
Own home outside of Calgary, currently renting
Net worth $1MM including home
Read your blog daily, appreciate your insight and humor, especially enjoy the Canadian point of view

#918 Semi-retired Conservative on 09.01.16 at 1:41 pm

Male. 43.
Pay myself non eligible divvys of 72K a year, split with wife. Reluctant home owner (paid off. 15% of NW)
NW is about $2.35MM

#919 Snowboid on 09.01.16 at 1:44 pm

Wow, a lot of youngsters on this blog!


Age: 65, male – retired 10 years ago – no debt
Household Income: $ 76,000
Net worth $ 900K
Married, own two homes (summer Okanagan, winter Arizona)

#920 Joe from Toronto on 09.01.16 at 3:16 pm

– 47
– Male
– Single (no kids)
– $125,000/yr
– Net Worth $480,000 + Fed govt DB pension (18 yrs paid in so far)
– Renting condo in Toronto
– Long time reader, first time poster

#921 Dave on 09.01.16 at 3:47 pm

37, male, married for 7 years
Own one house (equity about $800,000), one condo (equity about $150,000)
Household income of $165,000 pre-tax
Non RE combined assets of about $300,000
Both have DB pensions, but are decades from retirement….

#922 InitialAttack on 09.01.16 at 7:42 pm

Me 43, Wife 42
Income 90K me, 220K wife – dividends
Principal Residence 1.5M
600 K mortgage
NW 14.5 M – all invested with private banking division of a major CDN bank
Family business sold that we both worked for and we were lucky to share in the proceeds.

#923 EStreet on 09.02.16 at 4:58 pm

41, Female, Single, No kids
Income: 75,000
Net Worth: 500,000