40 year olds, what financial advice would you have for a 30 year old?

50 and older, I’m sorry, but in my personal experience, your advice has been a little out of date.

HSA > 401k > Roth or backdoor your Ira. High yield savings changes every time you can get an extra half point of interest.

Do not, I repeat do not touch your fucking hsa unless you absolutely must and are dead dying on the ground. Take out a small loan before you touch your hsa. A little interest will be cheap as fuck compared to a years loss of hsa funds.

Look at how much fees cost. They are sneaky. Vanguard is the standard with low cost target date and index funds.

do not fuck with day trading unless you feel like gambling

WTF is an HSA or 401k? We’re not all US Americans…

Yup.

The Canadian equivalent is a TFSA, unless you max it out (congrats), then RRSP. Apparently there’s niche cases where RRSP is better, so look into it a bit.

RRSP contributions are income tax deductible, and up to $60k from the account can be used toward a down payment for a home. For someone trying to buy, its a good idea to focus on that RRSP first.