Sorry to hear you have been experiencing a ton of negativity here. I hope it doesn't deter you from making videos. Your videos are definitely going to encourage many people to take the same steps to coastFIRE!

@brittanymorgan09

6 ай бұрын

Thank you for the support! It's discouraging but since I stepped back to 1 video a week and only look at comments here and there it's really helped. The positivity definitely outweighs the negativity on KZread which is awesome but sometimes though negative ones really sting and stick with you.

Your condo may be worth more than you think. My nephew is trying to buy a condo in Calgary, he keeps losing bidding wars. Selling for over asking is extremely common!

@brittanymorgan09

6 ай бұрын

Wow!!! That is crazy, I knew detached homes were bidding wars in Calgary but not condos. Good to know if it keeps up and we decide to sell and move elsewhere. I really love our place though it needs some big renos!

To tell the truth I’ve never explored my net worth before. But thinking now with my house/ super scheme it does turn into a sizeable amount. There is never any cash in my bank account lol. I totally understand about your last segment of the video. I’ve had the same on my channel. 💯 must look after no:1 first. I have enjoyed your honest opinions on your vids. PS loved the videos of you and Donovan taste testing/ guessing the beers on his channel. Have a good one. OREWA here.

@brittanymorgan09

6 ай бұрын

It's a worthwhile exercise to go through everything and find out your net worth! It can be boring and tedious but I really enjoy it and doing it monthly helps me keep checks on my progress throughout the year. Thank you so much, we really loved making the beer tasting videos!

Great analysis as always. You are correct you should only include the amount of the value of the property that you have already paid in your net worth. Happy & Safe Travels. Have a great time in Down Under....!!! On a side note BRIM should have you as an Brand ambassador and I got the card from your link too. They have an amazing customer service better than the regular Canadian Banks

@brittanymorgan09

6 ай бұрын

Thanks! It sounds like that's the consensus with property/NW so I'm glad to hear it. I so wish I could partner with BRIM!! I'll have to try harder to get in touch with them. Their card is amazing. Thank you for getting a card through my code!!

Oh my gosh! I’m so sorry to hear that. I’ve just found your channel and I LOVE your content! Your video on Christchurch was amazing (I’m from Christchurch btw). I just wanted to ask would you prefer to live in NZ or Canada? Or what’s Canada like in comparison?

@brittanymorgan09

6 ай бұрын

Hey thank you so much!! I'm so glad you found my channel 😃 I have a whole video comparing NZ & Canada actually so definitely check that one out! Personally, I prefer Canada. Mostly due to the fact that I have strong ties there already and actually really like winter LOL. NZ is fantastic though, just wish the jobs paid better and housing was more affordable!

So sorry humans suck sometimes. I think you're a smart amazing, beautiful person who clearly has a bright future.

@brittanymorgan09

6 ай бұрын

Thank you!! That is so kind. I hope things get more positive online just in general, people seem so miserable these days.

Hi, just found your channel. I’m from Edmonton so I appreciate the Canadian content. I use my estimated property value I get from the city in my net worth statement. It just helps with the motivation. And this housing market has increased modestly compared to some places over the pandemic where there has almost been a doubling. I really like ‘the money guy’ content and they use the price they paid for their house like you do but they always say a net worth statement is your tool to help you track your wealth building. Anyways keep up the good work!

@mountainstridefitness3907

5 ай бұрын

Also I just use the simple equation: assets - liabilities = net worth but I do keep an eye on what percentage of my networth is in my home vs investments. Because you don’t want to be in a situation where 90% of your networth is in your home.

@brittanymorgan09

5 ай бұрын

@@mountainstridefitness3907 so true!! Thanks for the comments. I'm hoping the Alberta market keeps strong but we'll see what the future holds. I'll stick with purchase price for NW, it seems to be the consensus for sure.

Nice to see your beautiful face, Brittany. 💖 I appreciate your insightful financial updates. Always.👍👍Thank you for sharing.💕 I'm sorry to hear that you've had to endure negative comments and criticism; it's truly absurd.🥺 Those individuals should reflect on their own lack of common sense and decency before unjustly targeting someone they don't really know. It's disheartening. 🥺 Taking a break from social media is a wise decision for your mental well-being.👍 Enjoy your time with your visiting family. You're awesome, intelligent, and kind - always remember that. Stay strong. 🥰 Lots of love💖

@brittanymorgan09

6 ай бұрын

Thank you so so much 🥰🥰 your comments and kindness always brighten my day!! I'm so lucky to have so many amazing people who watch my videos like you and it really helps get through the negativity. I hope more kindness spreads throughout the world 🙂

@renatamortazavi2450

6 ай бұрын

@@brittanymorgan09 you are to kind. Pls take it easy , ignore dush bags. Enjoy your family. Life is short. Lots of love💖💖💖

Great Videos from NZ. Thank you for sharing some of your personal experiences. Thank you for clarifying that Canadians will need to do medical if they want to extend their stay in NZ. 😊

@brittanymorgan09

5 ай бұрын

Thanks so much!

Hey, we also struggled towards the end of NZ even doing one video a week. The negativity of some people is absolutely ridiculous. If you don't have anything nice to say don't say it! Hope you take the time to relax and chill, we love your content but mental health comes first!

@brittanymorgan09

5 ай бұрын

That breaks my heart that you guys were getting negativity too!! Your channel is so great & wholesome. Misery loves company and some people just can't keep their bad thoughts to themselves I guess. Truly a shame! I think I'm finally getting out of the burnout stage and making content is becoming fun again lol.

Great update and great Honesty. Sorry for the rude comments...

@brittanymorgan09

6 ай бұрын

Thank you ❤❤ it's the reality of working as a content creator/in the online space but it's definitely a downside to the job!

Brittany, it's been so great looking forward to your New Zealand 🇳🇿 videos Hopefully, you don't choose to quit putting them out! I've previously mentioned I'd love a return visit to New Zealand, but it's looking le$$ likely, there's always some sort of interference...... You video's, for me, not being there in person keep that dream, and the fond memories very much alive!

@brittanymorgan09

6 ай бұрын

I'm so glad you are enjoying so much of the New Zealand content!! I'll definitely be continuing to work on videos of New Zealand as long as we're here and probably for quite a few months after we leave. There's so many "top things to do" type of videos I'd like to work on. Thank you for continuing to support my content Mike!

@mikemontagne2703

6 ай бұрын

@brittanymorgan09 Brittany, you're most welcome!

I feel the online struggle. Gotta take care of yourself ❤️

As to your question regarding property equity. I normally only include the original purchase price in my net worth, but have adjusted it from time to time. Once when the mortgage was up for renewal and the bank re-appraised it as it was higher than the original purchase price, but lower then an offer I had received for the property. Another time was when I built a double garage on the property as that did increase the value of the property, so I thought it was warranted. Make sense?

@brittanymorgan09

6 ай бұрын

Totally! My mortgage will renew in 2025 so maybe I will adjust at that stage once the bank appraises it. I haven't done any renos but would love to do some major ones in the next 5-10 years so I'll wait for that too. Thanks!

Hey Brittany, I’m so sorry to hear about your negative experiences on here, people are generally pretty angry (others, sadly can just simply be described as a*seholes but let’s not get into that! 😜) but wanted to say a heartfelt thank you from this homesick kiwi, your videos have made a huge difference and you’ve done some pretty awesome looking hikes!! OK on the house value thing, I personally only use the purchase price for these calculations plus capital additions - I do it this way as it’s only worth its value when I sell it (if that makes sense?) enough from me, sending you and Donovan best wishes, I hope you have a great time being tourists!!

@brittanymorgan09

6 ай бұрын

Thank you so much for the kind words and continued support!! It is tough but it's been a lot better since I took a step back and only read comments here and there. The nice comments like yours definitely help!! Thanks for the insight on home value, I'll stick with purchase price then alter if I do any big updates! Cheers 🥰

I’m a KZreadr and I get, the comments are tough. Hang in there!

@brittanymorgan09

6 ай бұрын

Thank you! ❤❤

wow, nice

I use my homes cost basis in my NW calculations. Its too much of an illiquid asset to be caught up in the up and down monthly estimates.

@brittanymorgan09

6 ай бұрын

Good to know! I think I'll stick with the cost and just consider it a windfall of sorts if I ever sell for much higher than I paid.

I don't include my home equity i bought my home in 2012 for 290k and it's valued today at about 1 million in the G.T.A 20 minutes from Toronto Canada 🎉

@brittanymorgan09

5 ай бұрын

Wow, you hit the jackpot on real estate!! That is fantastic. Interesting that you don't include the equity, do you plan to pass the property down to family members?

Sorry to hear that you tube has been getting to you in a negative way. I do appreciate hearing it because it can be glamorized so much. I was just saying to someone how I've considered making a channel, but then I really just dont want to open the door to people who might be sinsiter and there might be some unfortunate outcome from that . I do really like your content. Do whatever you want to make this a way you that like - like less videos, or turning off comments. As for how to consider value of property in net worth - when I had to refinance due to break up I had to add to the price of the place because the value had gone up and I had to pay him out of his half of the equity. So, I have to put a nunber on it, but I do a conservative number. If I did have to sell it it'd have to pay the fees and a lot of tax (to pay out the investment part of it, its a duplex), plus the value it was recently feels inflated. I'm torn because I dont plan to sell any time ever, but also it's a large part of my assets.... So that's how I do it. I'd want to avoid putting a number on it than could ever actually be lower when I sell. Thats me

@brittanymorgan09

6 ай бұрын

Thanks for your perspective on the equity/NW topic! That's a bit of tricky situation when you have to pay someone else out if you purchased with another person. I'll probably just stick with purchase price for NW and lower it if the market crashes or something though I'd never sell it for less than I paid! I definitely like to be honest when it comes to making content online. Most videos get very positive reactions but the second something goes "viral" or gets a lot of views you get so many trolls. People who honestly don't think the creator will ever see their comment I think. Some people think content creators are not real people and don't work hard at all LOL. Something you don't really know until you do it yourself though. Similar to working in customer service I guess! It's a really fun creative outlet though and I'll keep going, just at a more manageable pace. Thanks for the support and kind words, it really does help!

@TheahLil

6 ай бұрын

Happy to have helped! I agree, sticking with the purchase price keeps things very simple, clean, and you know you're very likely higher than what you wrote when you come up with the net worths. If I didn't have to do what I did I'd have kept it like that myself, but now my mortgage is higher than what we paid at the very beginning soooo.... :/ It was a very painful and hard time especially since it was RIGHT when the values were SO CRAZY high AND the interest rates were leaping every day. Ooof. I worked as fast and hard to negotiate through the heartbreak and get the interest rate I was able to get. Higher than we'd had, but lower than it has been in the 1.5 years since. Still stings quite a bit. Oh well, just can do the best I can ! @@brittanymorgan09

@brittanymorgan09

6 ай бұрын

@@TheahLil Absolutely!! That's so tough, the timing really messed things up for you. Keep going and saving like you said, we can't change the past but just work towards a better future!

Sorry about all the horrible comments. I make a huge effort not to read comments on most things. I deleted all the news sites I was following on Facebook because of the comments….now I just read articles. My son is transgender and when the whole Posey Parker thing kicked off last year the comments were beyond horrible. People behind their keyboards just don’t care how hurtful their comments are.

@brittanymorgan09

6 ай бұрын

So true!! I think I need to follow your lead and just not read any comments that aren't on my own channel. It's heartbreaking the amount of hate in this world, especially online. Thank you for being a kind person and always leaving lovely comments here, it really does help combat the negative ones!

Is this your partners assets too or is his counted as seperate?

@brittanymorgan09

6 ай бұрын

I own it myself!

Glad to hear you are doing well. I have to admit you are amazing as you know your ending balances for the month, and the month is not even over yet. As there is still 4 hours till the markets are closed. :) Keep up the great work.

@brittanymorgan09

6 ай бұрын

Haha yeah this one I had to film a bit early with our big road trip coming up but the figures are still quite similar since I made this video. Luckily my equity is predictable as is the cash account so it's really just the RRSP & DCPP that are slightly off. Thanks for watching!

@thomas_smi9658

6 ай бұрын

​@@brittanymorgan09 for a different trip - recommend you visit hanmer springs some time, great for a night or two, or stop by there for a day if also seeing other places on a road trip:)