Have you ever seen the movie Starship Troopers? I have. Several times. It’s a great little sci-fi romp, based on the 1959 novel of the same name. The premise is that humanity is in a war with the insectoid creatures known as “bugs”, or arachnids; think giant spidery type creatures. The plot follows the exploits of the main character, Johnny Rico and his exploits with the mobile infantry unit known as the Roughnecks…
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Costco has been getting me so mad lately. The visits usually start well enough but they’ve been ending on an infuriating note. Don’t get me wrong. Costco can be generally enjoyable, mainly when there’s hardly anyone there. They usually have all these random, interesting things that they bring in to sell which you might not see elsewhere. They have solid prices on a lot (but not all) of what they sell. And they have cheap take out food. But man, the last few times when I end up at the cashier…holy smokes does it rile my biscuits, and I’m going to tell you why.
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Ask anyone in Ontario. What is the best pension plan out there? The answer I’ve most often come across is the Teachers’ pension! Not only is it widely touted (perhaps not by Teachers themselves) that they are paid well, but that they also seem to have the best pension plan in existence.
If you ask the same question of healthcare workers, they may also name the Teachers. But healthcare in much of the province has their own solid pension which many also rave about.
Do Ontario Teachers really have the best pension? Or do healthcare workers have the best? And what exactly does it mean to have “the best” pension? Are there better ones out there? And can we figure out all of this without the topic ending up dryer than sand-paper in the desert? And will we run into any cactuses along the way? And will I ever stop making really terrible desert jokes? Let’s find out!
Welcome to Pension Wars!
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You’re paying a price. And it’s higher than you might think. Much of the cost has been hidden, swept under the metaphorical rug. But it’s still there. It’s always been there….. lurking… watching…waiting… ready to take your hard-earned dollars under the guise of free stuff and good feelings… of bright warm colours and rewards.
How do you fight something that’s deceptively trying to eat your money? By maxing out of course! Speaking of eating… I hope you like cake!
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“Great! Now I know how to make my nest egg last for my early retirement. But what if I don’t care about retiring early or saving up enough to become financially independent? I love my job and want to do it forever! YAY WORK!“
That’s great! You’re either lying to yourself (and me), or you may be one of the very tiny minority that honestly feels this way, and I might be just a little bit jealous.
Welcome! A Pocket Full Of Change is a blog about personal finance from a Canadian perspective. At its core are elements of the FIRE (Financial Independence Retire Early) movement and my experiences with it so far. There will be various topics on saving, investing, real estate, some psychology, philosophy, and maybe some life hacks and other fun stuff. My goal to address some issues that have not yet been touched upon in the FIRE world, and to share some new perspectives on existing ideas.
You may be asking yourself, “What is this FIRE movement you’re talking about?” Great question! The idea has been around for a while, but has become more mainstream in the last decade. It is comprised of two ideas that overlap each other.
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