I'm 22, and we need to write my money diary! - Canadian Money Forum

That entire $38400 needs to be invested (note that I already allowed for living expenses and planned cash outlays in that figure, covering up until my move to Toronto). The $20000 in after-tax wages I'll have by the time of my move needs to go somewhere, too. ... If you want a more inclusive/complete planning tool which includes not just salary, but includes all other non-investment entities such as pension, loans, real estate, a future cash injection (inheritance say), ...

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