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Blogger Profile


Tim Stobbs

Blog Info

Name:
Canadian Dream: Free at 45
Category:
Early Retirement
Tags:
Money, Frugality
Start Year:
2006

Blogger Bio

Net worth:
Location:
Regina, Saskatchewan, Canada
Age:
30s
Race:
Unspecified
Gender:
Male
Life stage:
DIK (Dual Income, Kids)
Profession:
Engineer

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Latest Blog Posts

Yesterday was my last day of work and it was a very good day. It all started off nicely with a spring in my step and a smile on my face as I slipped on my retirement ring for the first time prior to leaving to work.  This was the last time I was going to my job downtown.  No more alarms, no more delays from construction on my route and ...
Posted: Sep 16 2017 @ 11:03 AM
If one more person tells me how to celebrate my retirement I may have to hurt someone!  Seriously people, it’s my retirement so why does everyone else keep projecting their wants onto me and telling me I should take everyone in the department out for drinks, have the entire department out for lunch, have a retirement tea or a big party at a hotel? Pardon?!?! I suppose they mean well since ...
Posted: Sep 12 2017 @ 9:01 AM
I talk a lot on this blog about my plans for retirement, but it occurs to me I usually discuss just parts of the plan and I rarely if ever tie all the parts together.  So I decided to spell it all out in a master plan post, which by the way may get a wee bit long. Part 1 – Debts My plan has always had one important part I almost ...
Posted: Sep 08 2017 @ 2:33 PM
The following is an update of Tim’s plan to retire early.  Please note we are mortgage free. Our ultimate goal between investments and the home equity is a net worth of around $1 million.  The investment part of that target is $582,000. Investments Accounts RRSP $58,460 LIRA $16,530 TFSA $86,700 Pension $165,610 Wife’s RRSP $86,600 Wife’s TFSA $76,660 Wife’s Taxable $51,180 High Interest Savings Account $42,280 Investment Net Worth $584,020 (increase of $3,610 over last month) Home Equity Estimate $395,000 Spending Last Month $3155 Well this month ...
Posted: Sep 03 2017 @ 10:14 AM
Once you give your notice to leave work often one of two things can happen:  you can be asked to complete a long list of items before you leave or everything you are working on is taken away from you immediately and you are left being bored until you leave.  The second can be referred to being a dead man/woman walking. In my case, I really disliked the idea of being ...
Posted: Aug 22 2017 @ 8:58 AM
I think perhaps people assume that when you give notice at work that it should be some sort of big deal.  There should be shock, drama and all sorts of interesting things.  In my case, it was mainly boring, except for one thing. Why was it boring?  Because everyone involved in this decision knew it was coming. It all started way back almost a year ago when I mentioned my plan ...
Posted: Aug 10 2017 @ 9:07 AM
The following is an update of Tim’s plan to retire early.  Please note we are mortgage free. Our ultimate goal between investments and the home equity is a net worth of around $1 million.  The investment part of that target is $582,000. Investments Accounts RRSP $58,050 LIRA $16,520 TFSA $85,950 Pension $163,870 Wife’s RRSP $85,990 Wife’s TFSA $78,840 Wife’s Taxable $53,380 High Interest Savings Account $38,810 Investment Net Worth $580,410 (increase of $4,550 over last month) Home Equity Estimate $395,000 Spending Last Month $3188 Nothing too interesting ...
Posted: Aug 03 2017 @ 12:58 PM
It might seem odd to say this, but I’ll say it anyway: it’s easier to keep working than retire. I know it’s a bit obvious in some respects, but I find with all our talk of retiring early on this blog perhaps we should revisit the other side of the equation.  What happens to your retirement plan if you just keep working? Well the good news for all the people that worry ...
Posted: Jul 22 2017 @ 10:06 AM
“Are you going to keep writing your blog after you quit?” “I was planning to do a few posts afterwards, so yes.” “But I don’t want you to disappear like so many other FIRE bloggers.” Ah, yes, the post FIRE (Financial Independence Retire Early) disappearing blogger case.  For those of you that read a number of FIRE blogs you have likely noticed a bit of trend with them.  They write like clockwork until ...
Posted: Jul 11 2017 @ 9:12 AM
Detox. Now there is word with a lot of different meanings.  For a drug addict it means a lot of pain to give up their drug of choice.  For the health nut it means cleaning out the toxins from your body.  Then for the early retiree, detox means getting all those side effects related to your job out of your system. If you read enough blogs and forums on early retirement ...
Posted: Jul 07 2017 @ 8:35 AM

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