I think you make some mistakes. Remember that RRSP is not a expense, it should be indeed considered as your long-term saving, you can withdraw it whenever you want.

wins (wins)
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Also, in Canada, the travel cost is so cheap, You can have a round trip to Europe with spending around $4000.
As for electronic appliances, they are one-time expense, you only need to pay for them in the first year. How much is a 27 inch Sony WEGA, only $899, it won't cost you too much. After you settle down for the first year, you can begin to save some money from the next year. For a long run the stable expense is mortgage, hydro, food expense and car usage cost.
Of course, I think in Toronto, the calculation is totally different. House price is so high, e.g. , $250K can only buy a 3bd room house in a not-so-poor region. However, in ottawa, $250k can afford a 4 bd-room single house in most regions. Also, the salary in toronto is poorer than Ottawa compared with similar position and career. I knew a bunch of families with more than $70k/person.
Finally, you should treat the house is also a investment, you can withdraw money from it after you sell your house when you retire, at that time, you will move to a senior condo suite which costs you not as much as a single house.
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2002-2-6 -04:00

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