Rule of thumb: 70% living cost , 20% savings, 10% entertainment travel vocation expenses. 20% saving: you can count cpp, rrsp as your long term retirement saving , life and critical insurance with dividends, investment component also count as savings . When you want to have a vocation , you should save first or use the half of the vocation day, and half of the vocation pay.
@@KyleKamTaco using credit card is a double end sword, it might ruin the financial planning and easy to overspending and One of the strategy is keep the daily use credit card amount with point earning low ( yes, you can ask credit card company to lower the credit amount) and deposit money there ahead use as prepaid credit card. If you really need to use credit card as 周轉，plan ahead to get a low interest rate credit card or use line of credit instead.
@@KyleKamTaco Yes luckily. I got my house in my dream country with their ID card plus I have little of my saving. I can do what i want now. Luckily I did what you said when i was 25/26, wrote down all what I spent. Very true I spent mainly on dine out and clothing too, and then i minimize spending on those. Now I am almost 43. Looking back even though I control my spending I still have quite a happy life. Saving is really important, I saw some of my westener friend in Hong Kong, they spent whatever they earned monthly and when they got old they can only live in friend's home
孖寶又出片，非常好睇
多謝你一直支持💪🏻
講得非常正確
多謝晒 希望有用💪🏻
你們說的事，早在上世界70年代移居加國的港人已常掛在口中。加拿大本來很富裕的，但上世界六七拾年代，行赤字預算，將大量國家的錢花了出去，現在的負債，就要新人來還。所以，你們會看到，來了很久的人，或老一點的人，會比新人富裕，而新人要還國債，根本難有資本出頭，靠的就是從海外進來的資金或富人。
今時今日移去英美加嘅人,基本上都係幫人還債幫人填氹!
@@kl8885英國還好，罷下工，停一條線，有其他幾條用，多倫多最出名Eaton 水浸，依個國家真係恭喜發財
多謝你們的資料，非常有用及正確。 我真的是過來人，疫情前兩公婆月入hk$120,000, 疫情後我們兩個大約得返約50,000. 每月開支也要4-50,000 . 長話短說，真係一定要先苦後甜，後邊有家庭，不是影響大人，而是影響下一代和長老。 （朋友有間接也會影響到）
第五點是由細培養自己父母買人壽保險,唔係想佢地早死,而係生,老,病,死,人生難免.父母份保險可以幫自己退休.我都有買份俾我的子女 in case 要用㗎.😢
Very useful. Especially true for young immigrants with no children. It boils down to one fundamental element :- JOB JOB JOB.
What you said is true. Without an income there's not much a person can do
其實講就天下無敵，今次係結構性調整，唔係周期性調整，好多工種會因為AI而永遠消失，無論你係讀律師會計師醫師軟件工程師，其實都係冇一倖免，只能夠平時有多啲備用現金，正確投資，增加收入優化槓桿減少債務，最好就係喺40歲中期已經可以財務自由
車呢個 topic 好 dividing。香港好多人其實知道養車好貴好無必要，但身邊總有一兩個人係某啲時候走出黎講兩句或做D野玩9冇車嘅人，例如約去D淨係有車先去到嘅地方呀，坐喺車上面望住你 on 99 咁行去地鐵站或巴士站咁。養架車只係為咗唔好俾人串。
係美國嘅時候亦唔容易。如果圈子係鍾意玩車，或有兩三個鍾意玩車，都好麻煩。總會有人話上 freeway 去邊去邊，然後變咗鬥車。你揸住架 toyota, 含L了，到步個個一人一句”車尾燈你都見唔到喎”。好多男仔都頂唔住，尤其係再加埋溝女係件事入面。
最後變咗選擇朋友嘅時候遠離呢類人。係好 divided 嘅一個 topic。(個人認為如果你收入同我差唔多，其實唔會因為有車冇車或架車幾快而高幾個 level，不過現實好多時唔係咁）
實際上係北美洲生活，車輛已經係生活一部份，沒有自己車輛限制咗你工作💼，有啲工種例如凌晨返機場，朝頭早六點返Downtown，根本就冇公共交通工具
理論就好多人都識，實際就另一回事，好多人包括我，每個月都入不敷支，跟本冇可能儲到錢，已經應洗則洗，有小朋友開支可以好巨大，係儲唔到就儲唔到
有小朋友難度又高咗一級😢
有用！
多謝！🙏🏻
生活成本已佔人工70% 仲要留錢交稅交保險 所以先咁多月光族
所以好多人要打兩份工😢
講得絕對正確，我哋移民加拿大生活已經超過35年，年青時候的儲蓄慳家習慣，盡快將按揭貸款清還，加上65歲後政府每個月的OAS及CPP資助，真係可以安享晚年，值得推薦給現今的年青朋友，多謝你！
咩叫oas及cpp?
@@samsoni4075加拿大退休儲蓄計劃多於一款。cpp =Canada pension plan. 是長俸制。僱主和僱員都要供款，在pay roll 直接扣，65㱑每月出長俸，延遲到70歲取，有bonus％。提早60歲取扣％。
RRSp =register retirement saving plan,志願性，但政府有tax incentive, 同時，中大企業以前有私人pension ，現多改作match 僱員供款。有供款上限，可lumpsum 取出或向自己借作首置業。OAS= old age security 是聯邦政府給予65 歳或以上的長者每月的＂生果金＂，不用供款，因是聯邦政府從稅收＂回贈＂，所以根據成年后在加住了多少年(最少十年，被家人擔保留加日子不計）而計算每月＂生果金＂。
另GIs = guarantee income supplement 類似香港長生津，根據收入而補助，最高不超過政府定的 max cpp monthly amount.
@@samsoni4075 老人金
呢個儲錢方法全世界都識用啦
如果喺香港低稅率仲儲得多添
多謝你的分享👍🏻
Very Good Insights and Advice!
Glad it was helpful!
儲錢係一個好大的問題，喺加拿大，想搵大錢都幾難，你越窮越見鬼
冇辦法 社會個制度係咁😢
係想搵份普通工都難
多謝分享，月光族表示好難儲到錢😭😭😭
講真 加拿大真係比較難儲錢😢
Rule of thumb: 70% living cost , 20% savings, 10% entertainment travel vocation expenses.
20% saving: you can count cpp, rrsp as your long term retirement saving , life and critical insurance with dividends, investment component also count as savings .
When you want to have a vocation , you should save first or use the half of the vocation day, and half of the vocation pay.
Also don't forget to take advantage of credit cards that offer points and miles ;)
@@KyleKamTaco using credit card is a double end sword, it might ruin the financial planning and easy to overspending and One of the strategy is keep the daily use credit card amount with point earning low ( yes, you can ask credit card company to lower the credit amount) and deposit money there ahead use as prepaid credit card.
If you really need to use credit card as 周轉，plan ahead to get a low interest rate credit card or use line of credit instead.
Very well said. Lucky i did and now I do not have much pressure
Nicely done! Never start too early ;)
@@KyleKamTaco
Yes luckily. I got my house in my dream country with their ID card plus I have little of my saving. I can do what i want now. Luckily I did what you said when i was 25/26, wrote down all what I spent. Very true I spent mainly on dine out and clothing too, and then i minimize spending on those. Now I am almost 43. Looking back even though I control my spending I still have quite a happy life. Saving is really important, I saw some of my westener friend in Hong Kong, they spent whatever they earned monthly and when they got old they can only live in friend's home
❤❤❤
🥰🥰🥰
Kyle講開Headhunt, 不如下條片拍下加拿大既headhunt係點? 香港朋友做headhunt好似好好搵🤑, 加拿大依家咁多人搵工, 做heahunt會唔會仲好搵, 咁多求職者可以揀, 同埋工作會有咩難題呢?
以後實有機會👍🏻
不過一定香港/美國比較好搵🤣
因為啲candidates 人工高好多💀
@@KyleKamTaco但又話失業嚟緊,咁點解仲需要用 Agent 幫手搵人？大把人材在市面,用你地,公司成本上升,咁獵頭界又會唔會裁員？
現在，更係買TLT, HBND, PGL收住3.5%息，再等減息賺差價啦！不學投資，遲下你就知！
人地買屋🤭
其實全國每個省都是 各自為政 最近 BC and Alberta 才互相能夠買賣酒產品 所以各省都想渥太華幫助
幾個字講哂，量入為出，唔好洗腳唔抹腳，有多餘錢就儲起佢，完。😂
應該係出完糧收起一筆錢儲咗先😁
我建議除了記錄自己洗費外，最能慳錢係唔好生仔，生咗9成都係俾咗佢！😂所有物慾都冇曬。
所以發達國家出生率低唔係冇原因🙂↕️🙂↕️
每月先扣起15%買美股，餘下可以花光！
記得唔好將 全部雞蛋放喺同一個籃入邊💪🏻
請問兩位有沒有在溫哥華整車師傅介紹？（老實可靠的）🙏
@@zoemak7876 請問部車年份牌子型號？
同埋想維修啲乜？
2021 Prius prime gen 4
想驗車🙏
@@zoemak7876 如果係Hybrid我覺得返dealership 驗車穩陣啲
上網都睇過人介紹Langley 有一間叫Precision Auto Service 整混能車都唔錯
不過要事先聲明我自己未去過 純粹聽其他人講
@@KyleKamTaco謝謝2位的分享和意見。繼續支持🙏
我知你話仲有weekend, 但你講到70 蚊一餐, 一個月變3 萬蚊食飯咁？
可能你聽錯🤣
我係話一年三萬蚊
養車係燒錢，但加拿大唔養車，生活工作都唔容易，養至困難
呢個都真
有啲工 如果冇車人哋都唔會請你
Is riding a bike a good way to save money?
Absolutely yes, but be careful not to get your bike stolen. Also remember dress for the weather😉
初到貴境新仔
唔新了
住咗兩年幾啦🤣
@@KyleKamTaco 兩年一定新啦，我住咗20年
年年都想去旅行，但是年年都無錢去。
加油💪🏻
教科書
personal finance 101
片尾嘅貓貓係新領養嘅？
唔係呀 差唔多兩年前嘅footage 🌈🐱
US stock market still high😂
10幾年備用現金會否多了一些？🤣
10年又真係多得滯🤣🤣
可能放啲錢去投資吓😁？
@@KyleKamTaco 放左入定期，一定穩陣。
嘩，你好瘦呀，你老婆肥過你！
扯乾哂
好男人比飽飯老婆食😂
@@mattlam9869 佢老婆個樣咁惡，肯定唔俾飽飯佢食!
唔知點解，移民親去加拿大既男仔個樣都怪怪地
@@alexandertty ok
搵錢要去美國，加拿大用來退休就岩
現用來退休已不岩了，物貴稅重治安醫療極差現不是退休地之選了！😂
加拿大咁好福利不如索性唔做野攞救濟金好過啦使鬼搞咁多野咩!
想完全躺平都唔係咁容易💀
Don't talk any more, return to HK right now
Lol
請問你們在加拿大做什麼工作
文職工作🙏🏻
又好奇，有冇似曾相識，我父母成日同我講佢地果 D,，不過佢地講完，我讀大學果時，又買架跑車俾我。唔係佢縱容我，是因為我用我成績賺的，E 個故事教我地俾心機讀書，做野，咁就駛乜鬼慳食飯錢，唔買車呀，乜你地唔見 LV 的股價，節節上升呀？搵到至有得 Save 㗎。
不要買車，溫哥華得唔得？ 多倫多唔買車唔得
溫哥華其實可以
@@KyleKamTaco 就係，溫哥華係比較方便
加拿大有幾差
大家都唔會返香港㗎啦😂
好老實
鬼佬護照係值錢啲
😂😂😂
無知😂
@@NC-rs9xy
講到加拿大咁差
你會唔會返香港？🤫🤫🤫