Password: RHudson888 Conservative Assumptions: a) The total "Expenses" are $500 /month higher than Ross' estimate b) Inflation rate at 4% per year, c) Cryptocurrency forecasted earnings set a 10% per year, d) Stock Market investing temporarily set at 4% earnings per year e) Income increase set a 1% per year. e) 20 year forecast Estimated returns are MIC Class A: 8.05% Class C: 8.78% & CMI 9.53% Any additional funds remaining month-to-month should be put into a savings account for unexpected expenses or to save for a new vehicle. Use of this forecast 1) Update any significant changes to personal finances and review at least once a year to make revisions and adjustments. 2) Use the "Home Budget Tracker" (see link above) to record all expenses. Use bank account and credit card transactions and input into the budget program on the first of each month. After 6 to 12 months adjust Expenses in this forecast. Upcoming Revisions 1) It is assumed that $22 161 will be transferred from the MIC Class A cash account to the TFSA Class A account to fill the maximum contribution room. To be adjust on this forecast once the transfer has been completed. 2) When Ross changes accommodations adjust "Expenses" Technical Aspects of Program a) The Asset returns were set at "0" as all ROI generated from these assets is withdrawn for personal expenses, therefore the investments have zero growth and the returns appear in the "income" section. b) Even though Gross Income is used in the Income & Expense Inspector, the tax rate is applied to the overall expenses ( as per "aggregate summary"). Near future recommendation: 1. Partial sale of Crypto. at current price of $188 000. Sell all ALT coins at a loss and sell about 60% of Eth and 65% of Bitcoin. Total gross disposition: $ 121 635. Total capital gains: $48 596. Claim $24 298 as income. Taxes paid on crypto: $7 259. Total net proceeds after tax implications on crypto: $ 114, 376. Pay consulting fee to Al: $ 3 200. Transfer $ 80 000 to MIC class A and $31 176 to Wealth Simple Managed Portfolio (basket of bonds earning 4%). Once the stock market crashes a least 30% begin to dollar cost average into ETFs and Stocks with funds from the managed portfolio. Use a long term equity building strategy as apposed to earning dividends. Advantages of Crypto: Potential for alpha returns of 100's of percent, potentially an excellent hedge against inflation and the debasement of fiat currency, geopolitical turmoil and a reset of the economic structure, no third party risk, or centralized legacy institutional control or influence, capital gains tax treatment, diversification of portfolio Disadvantages of Crypto: funds are illiquid for up to 4 years, highly volatile, uncertain performance. Advantage of Stock Market Investing: Funds are liquid, capital gains tax treatment or able to use the TFSA account to earn tax free returns, potential earnings of 8 to 20 %, able to grow equity over time and hedge against inflationary pressures, more personal control over investment strategy, diversification of portfolio. Disadvantage of Stock Market Investing: Uncertain when the market will crash, only about 5 - 10% of investors beat the S&P index benchmark of 8 to 10%. Expenses: Housing ( rent, utilities, phone, internet, TV, furniture, repairs, maintenance including computer related)) 3000 Transportation ( gas, maintenance, repairs, parking, insurance, public transportation ) 625 Groceries & Supplies ( food, cleaning & bathroom supplies) 600 Personal Care (health care costs, hair / body care, gym membership) 225 Entertainment ( travel, restaurants, media subscriptions, allowance) 250 Other ( Bank fees, interest on credit, pet-related, misc.) 300 Income: OAS 9120 CPP 780 GST / Provincial 1200 Investment Income (exception cryptocurrencies Crypto sale transfer & TFSA) 23422 TFSA Income 9236 Transfer of $80 K Funds from Sale of Crypto to Class A MIC cash account 6440 Loans: Royal Bank 2000 Assets: Hosper Mortgage MIC Class A Balanced Fund - Cash Account 139885 Hosper Mortgage MIC Class C High Yeild Fund Class C - Cash Account 35492 CMI MIC 100000 CryptoCurrencies - Transfer from Sale to MIC Class A Fund 80000 Cryptocurrencies 64240 TFSA Class A MIC 70245 TFSA Class C MIC 44508 Stock Market Equities (Wealth Simple Managed Portfolio Bonds) 31176

Oct. 22, 2025, 2:28 p.m.

Oct. 13, 2025, 12:01 a.m.