u/Educational-Ring-533

22M in Ontario, Canada. Started working full-time in banking about 10 months ago making low 50s salary. Net worth is around $8k CAD. I’m on a 3-year work permit.

I drive a BMW with no car payment, but insurance is $580/month. Total monthly expenses are around $1,800. I’ve also been trying to build extra income through real estate investing/wholesaling on the side.

Lately I’ve been feeling financially stretched and anxious about whether I should stay in my current role for stability/experience or start looking for higher-paying opportunities already.

For people further ahead financially:
- Am I doing okay for 22?
- Should I prioritize increasing income or lowering expenses/saving more first?
- Is switching jobs early in banking/finance worth the risk?

I drive a 2018 430i coupe and my check engine light is on with a very small evap leak. My mechanic said that it is not a very serious issue.

Is this a matter of concern? How soon shouldi address this? What is the cost to fix this?

My cars at 102k km and runs perfectly fine.

Hi guys i am really stressed as my flight is in 23 days and i havent applied for trv to enter back in canada. What is the processing time? What should i do?

Can i do the application in canada before travelling and send my passport for stamping in my home country (oman)?

Got a ticket this morning around 8:37 AM for using a handheld device, but my phone was mounted on the dashboard the whole time. I wasn’t holding it or using it.

Officer said I was “swiping” and also mentioned I was merging into his lane (I wasn’t). I was driving normally and had my phone set up for navigation earlier.

After I got home, I checked my phone:

Screen Time shows no usage around 8:30–9 AM

Only earlier activity (maps, etc.)

No app switching or activity at the time I was stopped

Only issue is when I was pulled over, I got a bit stressed and said I might have adjusted it, even though I don’t think I actually touched it.

Now I’m trying to decide:

Is this worth fighting myself?

Or should I just hire a paralegal?

For context:

Officer was behind me in another lane

I drive a coupe, so visibility inside isn’t great from that angle

Has anyone fought something like this in Ontario? What are my chances and is it worth it given insurance impact?

THE OFFICER SHOWED ME A PEACE SIGN AT THE END OF OUR CONVERSATION WHEN I TRIED TO EXPLAIN WHAT HAPPENED AND SAID THAT “you are still getting a ticket” and went ahead to explain the ticket details