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@finallytrulyalive That's not my team. I'm not Ben :) For Dimensional, you have to buy through a financial advisor (F class): https://ca.dimensional.com/en/individuals You are over complicating with that portfolio..

@theoderic In come is money you get.

@boby85 Globally diversified portfolio in a taxable account. Make sure you track your adjusted cost base. You can use https://www.adjustedcostbase.ca to track for free.

@kenneths At your income, there is no hope of buying unless you at least triple your income. You can rent but you will require roommate(s) But it's your choice not to find a job and move to a lower cost city.

@violinistforchrist Correct the foreign tax credit gets filed in Canada. Correct the purpose is so you don't pay tax twice on the same income. Since our our tax rates are higher, you would generally owe a bit, but as a student, you probably have tuition tax credits that would be applied first...

@kenneths You are in no position at your income to buy anything. Focus on saving some money to be able to move out with a friend or two Or relocate to a lower cost of living city. Follow the money steps: https://www.reddit.com/r/PersonalFinanceCanada/wiki/money-steps

@orito You can make this decision, accept or don't accept. It doesn't matter unless you are going to use it irresponsibly.

@jmendheim See the thousands of same posts asked dozens of times a day: https://www.reddit.com/r/PersonalFinanceCanada/search/?q=mortgage%20or%20invest&restrict_sr=1

@violinistforchrist 1) Since you are on a F-1, you only report US sourced income, like form your job. 2) You are still a CDN tax resident for the first 5 years of the F-1 (condition of visa) and report world wide income to Canada, not the US. 3) The rental income, investment income/capital...

@debbie_s It should be, but they are fairly simple for 90% of people. I take maybe ten minutes to enter al the info even before I retired with T4s, T3, T5, RRSP contribution slips, etc...

@martex I did but we can't figure it out lol

@hmiranda03 !TFSARRSPTrigger

@martex It only give 3 options: Spam, Offensive or not relevant lol

@martex I removed because it was the 7th duplicate.

@theoderic What is tedious, filing a tax return? The basics of a tax return is to report your income and pay applicable taxes and receive government benefits if appropriate.

@inohio Yeah, that's when I did my eye roll lol But yeah must be making quite a bit! But storey doesn't make a lot of sense. If they make a lot and have enough for an apparent downpayment, why would they be focusing on saving that for 6-8 year, they don't need th money oin short or medium term...

@luckyclaire The AMA is only to discuss the Consumer Price Index, that's all.

@lightofredemption There is a 12 and 18 month options for maternal/paternal EI. Yeah, just ignore the NDP stuff since they aren't the government :) See near bottom of page: https://www.canada.ca/en/services/benefits/ei/ei-maternity-parental.html

@tylerkilburn Have a 6 month of expenses for your emergency fund in a HISA. Money you don't need, either dump on your mortgage or invest. !InvestingTrigger !TFSARRSPTrigger

@caljreich You haven't listed your income so we don't know if home ownership is even possible. You could invest now, just be aware, when you are about 5 years out, transition to a HISA product (ETF or account) so your money is safe as you can end up with less (and since your portfolio is a...