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You’ve saved $500,000 by 38. On paper, you’re doing everything right. You’re maxing your RRSP. You might have stock options. You own a home. You’re contributing consistently. By most standards, you’re ahead. So why does it still feel unclear? In this video, I break down what your financial future actually looks like when you have $500K saved in your late 30s — including: • What that money could realistically grow to by retirement • How to know if you’re saving enough (or over-saving) • The three silent gaps I see with high-earning families • Why money often isn’t the real issue — clarity is Most people accumulate assets in silos. RRSPs here, TFSAs there, old accounts from previous jobs — but no coordinated plan connecting everything together. And without clarity, you’re either sacrificing lifestyle unnecessarily… or heading toward a future you haven’t fully defined. This isn’t about hitting a generic retirement number. It’s about building a plan around the life you actually want. ⸻ 🔎 Who This Is For This video is for you if: • You’ve saved $500K+ • You’re in your late 30s to 50s • You’re doing well financially but still feel uncertain • You want coordination — not just investment advice ⸻ 📊 Complimentary Total Wealth Assessment If you’d like clarity on your own numbers — not a generic calculator, but a coordinated projection built around your real life — I offer a complimentary Total Wealth Assessment with my team. You can book a time to speak with me directly here: https://sheldonniemiec.ca/contact-us/