Asklemmy

Barring any global events probably. I am quite fortunate.

To start with me and my wife are both sw engineers.

I earn some nice big company stock, from when I started to 5 years later it's 10x'd. I was a few years late to really hit jackpot but I still made a lot and will hopefully continue to gain. My company also matches the first 6% of my rrsp (a 401k for canadains) and I contribute 8%. I also have a maxed tfsa.

I am a pretty aggressive budgeter so I make sure we spend below our means and build uo other savings as well.

There's a bit of a "problem" at my company where many of the senior staff basically have blank cheques because only they understand the overall architecture. I hope to also end up in this position. I knew a guy that worked 2 half days a week for at least 2x my salary with vacation time to boot. All he did was answer questions for a few hours then go home.

I bought a house during a panic price drop in 2020 got a really cheap price and then sold it for a huge profit and bought a run down duplex that is a bad investment property but a good place to live for my polycule (in a super walkable neighborhood to boot!). I plan to die in This house. I got what will probably be an all time low interest rate of 1.7% and have been paying it off faster than necessary. When it renews next year at 4-5% I will hopefully keep the same monthly. If my monthly doesn't grow above that then I'll be pretty on track to have it paid off before I turn 45, giving me more money to save and also lowering the amount I need a month.

If interest rates go down or me/wife gets some nice promotions or my company stock does another big climb then kids might even be on the table.