Michael | Investments

Canadian mortgage pro, 12+ yrs in personal finance.

[Michael | Investments @MPawng99]

Payday = bills day + investing day.

The easiest money system I know: line up your big payments (mortgage, car loan) with your pay schedule.

Paid biweekly? Pay biweekly.

Then automate everything:
Pay goes in.
Bills go out.
Investments go out.

What's left is yours, guilt-free.

You stop guessing. You know exactly what you owe, what you save, and what you can spend.

Pay the present. Pay future you. Then enjoy the rest.

[Michael | Investments @MPawng99]

@RoaringHammy Never seen a T&T that empty before lol

[Michael | Investments @MPawng99]

@BrandonWealth 4 is debatable. All TFSA millionaires will have gotten there doing stocks and not ETFs.

Much riskier though.

[Michael | Investments @MPawng99]

@MattAcker_ @Barrys 1. No alcohol is better than no
12. Cold shower BEFORE workout is best. Cold after workouts actually inhibits hypertrophy

[Michael | Investments @MPawng99]

@RoaringHammy Chinese crispy pork belly!

I can already hear the crunch as I bite in

[Michael | Investments @MPawng99]

@RoaringHammy You gotta get a florentine steak when in Florence!

I like to enjoy foods how the locals enjoy it.

[Michael | Investments @MPawng99]

@RoaringHammy What type of bbq is that

[Michael | Investments @MPawng99]

@RoaringHammy 5, all balances paid each month. Each with a purpose.

[Michael | Investments @MPawng99]

@RoaringHammy Both! Gym for heavy compound movements and home for functional kettlebell exercises

[Michael | Investments @MPawng99]

@PenneyInvests I look at my investing accounts too much on the weekends.

[Michael | Investments @MPawng99]

@runfrommepls Name of the wind is one of my favourite books ever. If only the author could finish writing the last book

[Michael | Investments @MPawng99]

@RoaringHammy $50 CAD for a French press, $89 for an adjustable kettle and $40 for a manual coffee grinder

[Michael | Investments @MPawng99]

@L_R_Schulz Harry Potter and the goblet of fire in one day and one night. Couldn’t put it down

[Michael | Investments @MPawng99]

@fammetaX Gave up social life long time ago ✌️

[Michael | Investments @MPawng99]

@KGInvests_ I’m holding a big bag on this one too

[Michael | Investments @MPawng99]

If you’re using @Wealthsimple card you get 2% cash back on whatever you spend.

On a $101.60 bill, you get $2.03 in cash back right away. So you profit $0.43 per monthly bill vs if you paid $100 via debit card.

After a year you can buy yourself Starbucks coffee from the savings 😂

[Michael | Investments @MPawng99]

@PlantInvestor16 I love $VDY.TO! Great compounder that pays monthly and gets me access to all the top Canadian dividend payers at once.

[Michael | Investments @MPawng99]

@RoaringHammy Hey Hammy 🤝 I’m a mortgage specialist for a bank, and my wife is an account manager for a saas company. Combined income is ~$325k CAD and we are also middle class in the GTA Ontario 🇨🇦

[Michael | Investments @MPawng99]

@Compound_Kid_ Damn I gotta step my game up. I’m slacking hard.

[Michael | Investments @MPawng99]

@StokPix Thank you!

[Michael | Investments @MPawng99]

Every month $VDY.TO pays me and I just reinvest it all.

Best thing is to be patient and let compounding do its thing.

What’s your favourite dividend stock or ETF?