[Torture]

I'm a 29 year old millennial and could afford to buy a home right now but choose not to and continue to rent. I've negotiated my rent down twice in the past year and who knows if I'm going to live in Calgary forever.

I have a decent job (not O&G) but also know that many in Calgary make more than I do (but hey, lots make less too). I had and paid off student loans and have no other debts. I save about 30% of my paycheque (pre-tax), have funds in a DC pension, RRSP, and will have my TFSA maxed in a month. I invest in index funds because I know that long term the market has always gone up and I have flexibility over a house.

Given that I am comfortable with my savings rate I do spend (some, not an exorbitant) money on restaurants and travel. I don't buy "things" very often (I do not have the latest iGadget or Samsung Galaxy) and when I do buy something I hum and hah over it for way too long.

I have never bought avocados and toast. Just one millennial's story so far..