Emirates after AC

[Dry Guy]

I think the key going forward will be to commute from a different country. We are in a unique position to be able to work here but live in a a country where housing is still affordable and income taxes are as low as 0%. Those two things will make you a multimillionaire and allow you to still retire at 60 like our parents. Somewhere like Uruguay is very comparable to the current Canadian standard of living and you can choose either 0% tax on foreign income for the first 10 years or 7% tax for the rest of your life. The downside of course is you are going to spend a significant portion of your days off getting to and from Canada for work.

[Dias]

Or you could just work for a foreign airline. Like say, Emirates.

[cdnavater]

Or you could just work for a foreign airline. Like say, Emirates.

A lot of Canadians like to return to Canada for their last years as you can leave Canada for 30 years, not file taxes here and still come back for free healthcare when your premiums become too expensive elsewhere.
If you can live where you want and commute, that is ideal, I have considered it many times but the problem is many of those places have seasonal service and the commute becomes more difficult during off season. I know of a few that commute from Greece, not sure about taxes for them, they say the health insurance is very reasonable.
I would much rather work for a stable Canadian company with a union and live wherever than move to the sweat box, both figuratively and literally!

[Dry Guy]

Greece is a flat tax of €100,000/year on foreign income. After retirement it's 7%.

[MorePlates]

goldeneagle doesnt work at AC, he does however make good points.

calm yourself

I’m not sure what you thought you picked up from my reply. Clearly something entirely different, because I never said he works at AC.

Maybe next time take a deep breath before firing off a reply? Might help avoid… whatever that was.

[cdnavater]

goldeneagle doesnt work at AC, he does however make good points.

calm yourself

Oh, I totally agree, though I’m not sure what you thought you picked up from my reply. Clearly something entirely different, because I never said he works at AC.

Maybe next time take a deep breath before firing off a reply? Might help avoid… whatever that was.

Let’s take a read of the below post you made in response to golden eagles post!

Post by MorePlates » Mon Nov 10, 2025 8:03 pm

goldeneagle wrote: ↑Mon Nov 10, 2025 12:21 pm
Son is 32, he is a plumber. He owns a 4 bedroom house on a 1/4 acre lot in town. Parked in the driveway he has a 2024 pickup. His partner has a 2019 pickup parked in the driveway. She works as an office assistant. Between them, they make nowhere near 400K, yet they can afford a detached home and 2 late model vehicles.

Daughter is a nurse, mid 30's, single mom with a 10 yr old at home. She owns a 3 bedroom rancher on a city lot, parked in her driveway is a 2019 SUV. She is on a cul-de-sac where most of the other families have kids in that age range as well, great location with no traffic and lots of kids.

Life is about choices, and priorities. Financially, it's all about managing the income one has, and spending it on the priorities. I dont think son has ever stepped inside a Starbucks. One of the big things for him, he never took on any debt other than the house, then bought the truck as his 'arrived' splurge after getting the red seal papers.

FYI, dont think either of them has ever ordered in for dinner, you wont find a case of beer in the house if you go there. One thing wife and I did after they bought the first home, for christmas that year, they got a freezer. Both stock up when they find a good deal on stuff that can go in the freezer. Son also tends to put a deer in the freezer most years in the fall.

Daughter works, sometimes crazy shifts, and she has the little one at home. Slow cooker is your friend, when she leaves for a shift that'll get her home late, prep the slow cooker before heading off to work, when she gets home, dinner is ready to go. Slow cooker will turn the cheapest / toughest piece of meat into something tender and delicious, with that added benefit of a healthy meal. Grandson is 10 now, so she has been able to ditch a major expense, no longer needs daycare for him after school. He is thrilled with his new found independence, he can walk home after school, and be there on his own for a few hours.

So no, you dont need a 400k income to have a detatched home and a relatively modern car in the driveway, but you do need to set priorities and spend / live accordingly. Both of our kids have done it, you can too if you set your mind to it.”

Moreplates wrote:
I hope everyone reads this and really understands the point of this senior pilot, we’ve been lucky to have his insight on this forum. Amazing stuff.

Stop asking for more when you already have a world-class contract. Can’t afford living here? Now you can, all thanks to Goldeneagle.

No Starbucks. Don’t order in for dinner. No beer. Get a slow cooker. Seriously, get your shit together guys, out here complaining all the time.

And while you’re at it, make sure to cancel your Disney+ and Netflix subscriptions”

[MorePlates]

Let’s take a read of the below post you made in response to golden eagles post!

Read it again.

And to save another useless comment on this thread, senior ≠ AC.

As I said, deep breaths, might help avoid… whatever that was.

[Daniel Cooper]

I've noticed boomers get extremely defensive when you point out how cheap housing was back then. I think they sense something in the air coming their way.

[rooster]

Let’s take a read of the below post you made in response to golden eagles post!

Read it again.

And to save another useless comment on this thread, senior ≠ AC.

As I said, deep breaths, might help avoid… whatever that was.

So wait, you totally agree that he made some good points, yet in your reply to his post you mocked him for said points. I don't get it. Do YOU take a deep breath when you reply?

[MorePlates]

So wait, you totally agree that he made some good points, yet in your reply to his post you mocked him for said points. I don't get it. Do YOU take a deep breath when you reply?

Sigh… Here we go again. I can’t believe I have to spell this out again but here we are.

Maybe take a minute to look up the word ‘sarcasm’, because the fact that anyone genuinely thinks ditching coffee and takeout is the secret path to a house and two cars in this economy is honestly adorable in a painfully out-of-touch way.

[rooster]

So wait, you totally agree that he made some good points, yet in your reply to his post you mocked him for said points. I don't get it. Do YOU take a deep breath when you reply?

Sigh… Here we go again. I can’t believe I have to spell this out again but here we are.

Maybe take a minute to look up the word ‘sarcasm’, because the fact that anyone genuinely thinks ditching coffee and takeout is the secret path to a house and two cars in this economy is honestly adorable in a painfully out-of-touch way.

Yes, I am perfectly aware you were being sarcastic about goldeneagles post, hence why I said you were mocking him. But you also said to another poster that you agreed with his posts, hence the confusion. Are we clear now?? Take a deep breath pal.

[MorePlates]

Yes, I am perfectly aware you were being sarcastic about goldeneagles post, hence why I said you were mocking him. But you also said to another poster that you agreed with his posts, hence the confusion. Are we clear now?? Take a deep breath pal.

Looks like sarcasm can’t be repeated when dealing with boomers. No worries, I’ll keep track of my own breaths just fine.

Maybe you should focus on your afternoon nap, take a few deep breaths, and give your brain a chance to reset before diving back into the forum.

It’d make things easier for the rest of us. Thanks.

[altiplano]

Maybe take a minute to look up the word ‘sarcasm’, because the fact that anyone genuinely thinks ditching coffee and takeout is the secret path to a house and two cars in this economy is honestly adorable in a painfully out-of-touch way.

Except it is... That $10 order at Starbucks every day? Sometimes twice on Sundays? Maybe $2500/year suddenly? $3500 even? How much did you have to make to pay for that? Pretax? Guys are out there spending 5% of their earnings on coffee milkshakes and oat fudge bars.

Then extrapolate that money potential out further... 10 years? 20? You're looking at $150K lost because you wanted a frapuccino every day at work. That's the cost calculation you need to be making.

Then add in eating out, Uber eats, etc... that calculation gets bigger. Double. Triple. Fact is that nobody can afford that if your goal is property ownership and financial independence and you're not already rich.

Let alone gym memberships, cel phones, trips, all the stuff.m, all the costs... reject consumerism and spending. Think about that list money potential.

And 2 cars? What a money drain... maintenance, insurance- let alone if you finance, your going backwards... My house didn't have 2 cars in the driveway until very recently. And I didn't own a house until not that long ago and it sure as shit wasn't what I wanted or where I wanted to live... It takes severe financial discipline and sacrifice to reach what you want.

[MorePlates]

Maybe take a minute to look up the word ‘sarcasm’, because the fact that anyone genuinely thinks ditching coffee and takeout is the secret path to a house and two cars in this economy is honestly adorable in a painfully out-of-touch way.

Except it is... That $10 order at Starbucks every day? Sometimes twice on Sundays? Maybe $2500/year suddenly? $3500 even? How much did you have to make to pay for that? Pretax? Guys are out there spending 5% of their earnings on coffee milkshakes and oat fudge bars.

Then extrapolate that money potential out further... 10 years? 20? You're looking at $150K lost because you wanted a frapuccino every day at work. That's the cost calculation you need to be making.

Then add in eating out, Uber eats, etc... that calculation gets bigger. Double. Triple. Fact is that nobody can afford that if your goal is property ownership and financial independence and you're not already rich.

Let alone gym memberships, cel phones, trips, all the stuff.m, all the costs... reject consumerism and spending. Think about that list money potential.

And 2 cars? What a money drain... maintenance, insurance- let alone if you finance, your going backwards... My house didn't have 2 cars in the driveway until very recently. And I didn't own a house until not that long ago and it sure as shit wasn't what I wanted or where I wanted to live... It takes severe financial discipline and sacrifice to reach what you want.

Of course, you’d have to believe this, mate. Been a pilot here for what, 10 years? 20? Saved your $150k rejecting consumerism?

And yet couldn’t get the house you wanted, not even where you wanted it? So sad.

The Kool-Aid about “severe financial discipline and sacrifice” is just killing me.

Meanwhile, pilots in “the sandbox” have cars worth your house and homes you’ll never get being a pilot here. I guess they managed it by… ditching coffee, gym memberships, and trips?

Thanks for the advice though, and I wish you the best. Hopefully, come retirement time, you’ll finally get the house you want and where you want it. Cheers!

[Tbayer2021]

Maybe take a minute to look up the word ‘sarcasm’, because the fact that anyone genuinely thinks ditching coffee and takeout is the secret path to a house and two cars in this economy is honestly adorable in a painfully out-of-touch way.

Except it is... That $10 order at Starbucks every day? Sometimes twice on Sundays? Maybe $2500/year suddenly? $3500 even? How much did you have to make to pay for that? Pretax? Guys are out there spending 5% of their earnings on coffee milkshakes and oat fudge bars.

Then extrapolate that money potential out further... 10 years? 20? You're looking at $150K lost because you wanted a frapuccino every day at work. That's the cost calculation you need to be making.

Then add in eating out, Uber eats, etc... that calculation gets bigger. Double. Triple. Fact is that nobody can afford that if your goal is property ownership and financial independence and you're not already rich.

Let alone gym memberships, cel phones, trips, all the stuff.m, all the costs... reject consumerism and spending. Think about that list money potential.

And 2 cars? What a money drain... maintenance, insurance- let alone if you finance, your going backwards... My house didn't have 2 cars in the driveway until very recently. And I didn't own a house until not that long ago and it sure as shit wasn't what I wanted or where I wanted to live... It takes severe financial discipline and sacrifice to reach what you want.

Of course, you’d have to believe this, mate. Been a pilot here for what, 10 years? 20? Saved your $150k rejecting consumerism?

And yet couldn’t get the house you wanted, not even where you wanted it? So sad.

The Kool-Aid about “severe financial discipline and sacrifice” is just killing me.

Meanwhile, pilots in “the sandbox” have cars worth your house and homes you’ll never get being a pilot here. I guess they managed it by… ditching coffee, gym memberships, and trips?

Thanks for the advice though, and I wish you the best. Hopefully, come retirement time, you’ll finally get the house you want and where you want it. Cheers!

Lets double altipano's suggestion of $2500 a year by cutting back on every single thing that may bring a slither of joy to your life. So plugging $5000, $417 a month into an investment calculator using the S&P historical returns over the last 10 years of just shy of 15% yields $112K pre tax. Maybe you were fortunate enough to have it all in your TFSA. I did the math with a seed money of $1000. If we use $2500 it drops down to $58K with the same seed money.

lol I love all these boomer war cries. "just pull yourself up by your bootstraps"

[altiplano]

I'm not a boomer. I barely qualify as Gen X depending on who you talk to...

And I didn't need to blow my wad on frapuccinos, take out garbage food, and bullshit to being me slivers of joy.

Now? I live exactly where I want. Have the toys I want, live the lifestyle I want... I can do that because I made choices over the last 20 years to support that outcome. I didn't have it all right away, I had to work and position for it.

If you need consumerism to bring you joy you are doing it wrong. Or maybe you should just go live in Dubai if you think that's so great and see what brings for you.

[Tbayer2021]

I'm not a boomer. I barely qualify as Gen X depending on who you talk to...

And I didn't need to blow my wad on frapuccinos, take out garbage food, and bullshit to being me slivers of joy.

Now? I live exactly where I want. Have the toys I want, live the lifestyle I want... I can do that because I made choices over the last 20 years to support that outcome. I didn't have it all right away, I had to work and position for it.

If you need consumerism to bring you joy you are doing it wrong. Or maybe you should just go live in Dubai if you think that's so great and see what brings for you.

Where do you live?

[altiplano]

Exactly where I always wanted.

[Tbayer2021]

Exactly where I always wanted.

Aaaaaand there's the answer. Not everyone can nor wants to live in bum-@#$! nowhere just to afford a house.

[altiplano]

Where's bum fûck nowhere?

That's not where I live.

[3rdWorldClassPilot]

Stop drinking Starbucks and one day you can own a house like me. LOL

Oh @#$! there are some real dummies among the ranks.

[MorePlates]

My house didn't have 2 cars in the driveway until very recently. And I didn't own a house until not that long ago and it sure as shit wasn't what I wanted or where I wanted to live... It takes severe financial discipline and sacrifice to reach what you want.

Now? I live exactly where I want. Have the toys I want, live the lifestyle I want... I can do that because I made choices over the last 20 years to support that outcome. I didn't have it all right away, I had to work and position for it.

So this 50 y/o dude, who didn’t even own a house until recently and even when he did, it wasn’t what he really wanted and couldn’t even afford two toys for his driveway, now somehow lives exactly where he wanted to be and has the lifestyle and toys he’s always wanted? Sounds like the Kool-Aid is working extra nice today, but let’s say it’s true for his happiness.

I see two ways this could have happened:

1) His house doubled in value in this insane housing market, and he suddenly thinks luck makes him a financial genius worthy of giving advice.

2) He cut out frappuccinos, uber eats, etc..

We all know it’s #1. But altiplano, the Dave Ramsey of avcanada, acts like it’s #2 to make himself sound like a financial wizard.

[Dias]

Stop drinking Starbucks and one day you can own a house like me. LOL

Oh @#$! there are some real dummies among the ranks.

I'm convinced it's a coping mechanism. They don't want to feel guilt about what has happened to younger generations.

[altiplano]

You're the one that brought up blowing money at Starbucks and on takeout like it's no big deal... I just pointed out what the real cost of that behaviour is. Spending 5-10% of your earnings on nothing and losing all that potential. I'm sure it doesn't end with that coffee ritual either... click, order, get it, you deserve it, living your best life, YOLO, better put it on your instagram too...

That you feel entitled to unbridled discretionary spending is maybe something in the constant bombardment of over the top non-stop-everything-on-demand consumerism we see in culture today. Ultimately though, you choose how you want to behave, that's on you.

You guys can think whatever you want about me, it doesn't make me wrong. And even though properties doubled in value the last 10 years, it's not only recently we've seen this, in Vancouver, prices quadrupled over 15 years between 2001 and 2016. I missed that boat, should have bought that 2 bedroom apartment in Kits for $80K in 1995... but what am I going to do? go cry about it in my Starbucks?

And even if you timed it right somehow, you have to live somewhere, you can't withdraw and spend your house equity unless you're borrowing against it or severely down sizing.

Anyway, go fritter away your money on stuff and move to Dubai - it totally suits you - in the meantime I'll be out here relaxing and feeling guilty for how bad all of you victims have it.

[daedalusx]

Yeah dude these kids could totally afford a 1.5M house if only they didn’t waste their chump change on an avocado toast.

Hey kids, buy some Chinese generic glp1 and skip eating on the road too, maybe you’ll be able to afford winter tires on your per diem savings for you second uber jobs.