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# ![@JimChuong Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1272183128136847363.png) @JimChuong Lazy Canadian Investor

The Lazy Canadian Investor has been sharing insights on investing, personal finance, and lifestyle. A key theme is the importance of staying invested, with a simple approach of maintaining an asset allocation, such as 90/10, and allocating more to stocks during market downturns. The investor also shares perspectives on wealth, highlighting that financial success often requires discipline and a long-term approach, rather than relying on get-rich-quick schemes or excessive spending.

### Engagements: XXXXX [#](/creator/twitter::1272183128136847363/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1272183128136847363/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXXXX +189%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXXX +15%

### Mentions: XX [#](/creator/twitter::1272183128136847363/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1272183128136847363/c:line/m:posts_active.svg)

- X Week XX +30%
- X Month XXX +9.60%
- X Months XXX -XX%
- X Year XXXXX +30%

### Followers: XXXXXX [#](/creator/twitter::1272183128136847363/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1272183128136847363/c:line/m:followers.svg)

- X Week XXXXXX +0.10%
- X Month XXXXXX +1.60%
- X Months XXXXXX +8.20%
- X Year XXXXXX +36%

### CreatorRank: XXXXXXX [#](/creator/twitter::1272183128136847363/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1272183128136847363/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1272183128136847363/influence)
---

**Social category influence**
[finance](/list/finance)  XXXXX% [countries](/list/countries)  XXXX% [formula 1](/list/formula-1)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [stocks](/list/stocks)  XXXX% [currencies](/list/currencies)  XXXX%

**Social topic influence**
[investment](/topic/investment) #1444, [money](/topic/money) 6.41%, [canada](/topic/canada) #2819, [debt](/topic/debt) 2.56%, [$30k](/topic/$30k) #91, [$1k](/topic/$1k) #146, [live on](/topic/live-on) 1.28%, [$tto](/topic/$tto) 1.28%, [equation](/topic/equation) 1.28%, [fatal](/topic/fatal) XXXX%

**Top accounts mentioned or mentioned by**
[@dtsaskatoon](/creator/undefined) [@chrstphrto](/creator/undefined) [@nxtgenplanning](/creator/undefined) [@petelite4](/creator/undefined) [@whiskyfin](/creator/undefined) [@jh4362402198095](/creator/undefined) [@marionucci](/creator/undefined) [@danclayellis](/creator/undefined) [@ootelloo](/creator/undefined) [@theaxeman117](/creator/undefined) [@andyostroy](/creator/undefined) [@theficouple](/creator/undefined) [@nequalonetrader](/creator/undefined) [@host6host](/creator/undefined) [@homerepaired](/creator/undefined) [@arkadthehustler](/creator/undefined) [@grok](/creator/undefined) [@kolby_smith](/creator/undefined) [@doubblea2](/creator/undefined) [@supershahed](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Berkshire Hathaway Inc. (BRK.A)](/topic/berkshire-hathaway) [Caduceus Protocol (CAD)](/topic/$cad)
### Top Social Posts [#](/creator/twitter::1272183128136847363/posts)
---
Top posts by engagements in the last XX hours

"The average monthly amount for Canada Pension Plan (CPP) in 2025 is $XXX at age XX. The maximum monthly amount for Old Age Security (OAS) ranges between $XXX to $XXX. Can you live on this"  
[X Link](https://x.com/JimChuong/status/1980658852745085183) [@JimChuong](/creator/x/JimChuong) 2025-10-21T15:34Z 29.1K followers, 6042 engagements


"What advice would you give this person Me: You should expect to sell the rest of your life away for a salary until you die. Good luck"  
[X Link](https://x.com/JimChuong/status/1980686822511464875) [@JimChuong](/creator/x/JimChuong) 2025-10-21T17:25Z 29.1K followers, 9399 engagements


"Telus $T.TO raises quarterly dividend to $XXXXXX (+7% vs last year +3.4% versus last quarter). If you own the stock I hope you bought it at the beginning of 2025. Investors who have held for X year and X years have made nothing. Total return dividends. No free lunch"  
[X Link](https://x.com/JimChuong/status/1920898272937300082) [@JimChuong](/creator/x/JimChuong) 2025-05-09T17:46Z 29.1K followers, 3604 engagements


"We use debt sparingly.At rare and unpredictable intervals however credit vanishes and debt becomes financially fatal. A Russianroulette equation usually win occasionally dieRational people don't risk what they have and need for what they don't have and don't need. - Warren Buffett"  
[X Link](https://x.com/JimChuong/status/1977753611502334098) [@JimChuong](/creator/x/JimChuong) 2025-10-13T15:09Z 29.1K followers, 3414 engagements


"Canadians are not boycotting travel to the U.S. Poor Canadians are leaving the U.S. because they have no money. Wealthy Canadians have booked U.S. trips a month earlier and paying a XX% premium for the privilege. Ive already booked another trip to the U.S. ✈👍"  
[X Link](https://x.com/JimChuong/status/1978479116077981847) [@JimChuong](/creator/x/JimChuong) 2025-10-15T15:12Z 29.1K followers, 4133 engagements


"Todays generation: goes out at night and calls in sick to work the next day. Gen X: pre-drinks and smokes at 9pm go clubbing at Plastique until 2am go to Chinese restaurant home at 5am show up to work in the same clothes with neon hand stamp"  
[X Link](https://x.com/JimChuong/status/1978605271564882031) [@JimChuong](/creator/x/JimChuong) 2025-10-15T23:33Z 29.1K followers, 15.2K engagements


"The U.S. economy isnt bad. Its amazing 🤩 Americans in the U.S. are kicking ass Congratulations 👏👏👏 The ONLY way to lose is if you invested nothing over the last XX YEARS - Invest zero. Stay at zero. X You LITERALLY had to invest $X to lose in the U.S"  
[X Link](https://x.com/JimChuong/status/1979235627099963577) [@JimChuong](/creator/x/JimChuong) 2025-10-17T17:18Z 29.1K followers, 1773 engagements


"People will buy your product or service for only X reasons: X. To make money X. To save money X. To save time X. Identity X. Status No need to over-complicate things"  
[X Link](https://x.com/JimChuong/status/1979687467256279215) [@JimChuong](/creator/x/JimChuong) 2025-10-18T23:14Z 29.1K followers, 11.1K engagements


"The Woman in Cabin XX is worth a watch. We enjoyed it"  
[X Link](https://x.com/JimChuong/status/1979693165985853478) [@JimChuong](/creator/x/JimChuong) 2025-10-18T23:36Z 29.1K followers, 3447 engagements


"Best way to get rid of employees is to give them money. Around 4000 Mercedes employees have accepted cash in exchange for leaving the company - some receiving as much as 540000 ($580000). Smart. No bad press about firings layoffs or terminations - employees all left voluntarily. Better for morale even better for shareholders. Congratulations to everybody at Mercedes"  
[X Link](https://x.com/JimChuong/status/1979746582279987344) [@JimChuong](/creator/x/JimChuong) 2025-10-19T03:09Z 29.1K followers, 10.5K engagements


"If a primary residence was a good investment all the richest people in the world would have homes worth more than all their business holdings. Fact is the wealthy never allow their primary residence to take up more than XX% of their net worth at any point in their life. Ever"  
[X Link](https://x.com/JimChuong/status/1979747937224946133) [@JimChuong](/creator/x/JimChuong) 2025-10-19T03:14Z 29.1K followers, 6270 engagements


"Bitcoin is not an investment. It is a non-productive asset for gamblers"  
[X Link](https://x.com/JimChuong/status/1979919804036207079) [@JimChuong](/creator/x/JimChuong) 2025-10-19T14:37Z 29.1K followers, 8192 engagements


"Im always mildly amused when I meet people who are all hat no cattle. Bro how do you make 5x than I ever made in corporate but have 5x less and still sell your life away for a salary You hustling backward bruv"  
[X Link](https://x.com/JimChuong/status/1979956076763050218) [@JimChuong](/creator/x/JimChuong) 2025-10-19T17:01Z 29.1K followers, 2189 engagements


"A stock market crash is what taxing the rich would feel like"  
[X Link](https://x.com/JimChuong/status/1979987922892866014) [@JimChuong](/creator/x/JimChuong) 2025-10-19T19:08Z 29.1K followers, 3137 engagements


"@chrstphrTO Canadian corporations pay federal and provincial corporate income tax on operating profit after expenses/deductions. Tax that is significantly lower compared with earned income. Once that tax is paid the remaining net profit can be kept in the company as retained earnings"  
[X Link](https://x.com/JimChuong/status/1980296596769448302) [@JimChuong](/creator/x/JimChuong) 2025-10-20T15:34Z 29.1K followers, XX engagements


"Typical end of year culling of employees at Scotiabank. Employees at Level X and up told to pack up. Jobs will move to the Dominican Republic. The only job security is financial security. And financial security pays better and has less tax"  
[X Link](https://x.com/JimChuong/status/1978963271500562447) [@JimChuong](/creator/x/JimChuong) 2025-10-16T23:16Z 29.1K followers, 3051 engagements


"Dividend investors all sell. Theyre just not pressing a sell button - the market is selling for them"  
[X Link](https://x.com/JimChuong/status/1980309924770160723) [@JimChuong](/creator/x/JimChuong) 2025-10-20T16:27Z 29.1K followers, 1353 engagements


"By the time you are XX years old the value of your investment portfolio should be worth more than the mortgage-free value of your primary residence. To have a home with no investments is called poverty. We live IN a home but we live OFF investments"  
[X Link](https://x.com/JimChuong/status/1980639675934208106) [@JimChuong](/creator/x/JimChuong) 2025-10-21T14:17Z 29.1K followers, 2406 engagements


"🎯 Underrated thread It doesnt matter who you know Thats boomer advice. Today in the world of social media its about who knows you And for most people the answer is still the same - Nobody"  
[X Link](https://x.com/JimChuong/status/1980811903728505321) [@JimChuong](/creator/x/JimChuong) 2025-10-22T01:42Z 29.1K followers, 4279 engagements


"In case youre wondering why people like investing in $SCHD so much From 2013-2024 the Total Return of $SCHD is less than the S&P XXX but hey you got some cash along the way. And if you reinvested the cash you just wanted to be a Total Return investor in the first place"  
[X Link](https://x.com/JimChuong/status/1976328101685866695) [@JimChuong](/creator/x/JimChuong) 2025-10-09T16:45Z 29.1K followers, 3874 engagements


"How I invest: ❌ No Canadian ❌ No long bonds ❌ No international ❌ No preset asset allocation ❌ No conventional rebalancing ❌ No conventional diversification ✅ U.S. index ✅ U.S. real estate ✅ Berkshire Hathaway Do not do what I do. Personal finance is personal"  
[X Link](https://x.com/JimChuong/status/1977028145569317222) [@JimChuong](/creator/x/JimChuong) 2025-10-11T15:06Z 29.1K followers, 6790 engagements


"I love the concept of investing for total return. Think about this. You can retire and be completely done with working and your investments keep showing up every day to work for you. Earning money for you"  
[X Link](https://x.com/JimChuong/status/1977806311661445137) [@JimChuong](/creator/x/JimChuong) 2025-10-13T18:39Z 29.1K followers, 3706 engagements


"Im a simple guy. I dont need much. Just give me  A fire pit My friends Good music A clear night sky Single malt scotch And XX million dollars"  
[X Link](https://x.com/JimChuong/status/1980300305196793915) [@JimChuong](/creator/x/JimChuong) 2025-10-20T15:49Z 29.1K followers, 3388 engagements


"I'm Canadian but own NO Canadian investments. None. I only own U.S. stocks and U.S. real estate Bought when people said it was a bad idea. I love Canada. I love living here. Best country in the world 10x easier to live in Canada with U.S. investments and U.S. dollars"  
[X Link](https://x.com/JimChuong/status/1925357651715580080) [@JimChuong](/creator/x/JimChuong) 2025-05-22T01:06Z 29.1K followers, 24K engagements


"What is the top holding in your portfolio right now"  
[X Link](https://x.com/JimChuong/status/1959716076092322122) [@JimChuong](/creator/x/JimChuong) 2025-08-24T20:34Z 29.1K followers, 16.8K engagements


"Two reasons I was able to build a multimillion dollar portfolio in my 30s: X. The U.S. stock market stayed flat for XX years from 1999 to 2012 X. The U.S. foreclosure crisis & $CAD $USD parity combo Both events allowed me to invest at crazy low prices Ready for the next one"  
[X Link](https://x.com/JimChuong/status/1974134071107420230) [@JimChuong](/creator/x/JimChuong) 2025-10-03T15:26Z 29.1K followers, 2799 engagements


"The bigger your investment portfolio the dumber your company meetings feel. Salary: $90000 Raise: X% ($2700) X yr portfolio growth : $857316 Use the money your employer pays you to get rid of your employer"  
[X Link](https://x.com/JimChuong/status/1977747939750498653) [@JimChuong](/creator/x/JimChuong) 2025-10-13T14:47Z 29.1K followers, 18.1K engagements


"If investable Net Worth is 10x annual expenses = Comfortable 25x annual expenses = Semi Rich 50x annual expenses = Rich 100x annual expenses = Semi Wealthy 1000x annual expenses = Wealthy 10000x annual expenses = Very Wealthy 50000x annual expenses = Ultra Wealthy Agree"  
[X Link](https://x.com/JimChuong/status/1979170417391612327) [@JimChuong](/creator/x/JimChuong) 2025-10-17T12:59Z 29.1K followers, 7091 engagements


"When you make $30k a month with social media it will be lumpy. Not $1k a day for XX days. Just follow the Launch process and stay consistent. Its the nature of the game"  
[X Link](https://x.com/JimChuong/status/1979177729435001027) [@JimChuong](/creator/x/JimChuong) 2025-10-17T13:28Z 29.1K followers, 18.4K engagements


"When I invest and dont use the capital gain I get to keep it. When I run a business and dont use the profit I get to keep it. When I work in corporate and dont use my salary the government makes sure they take out maximum tax"  
[X Link](https://x.com/JimChuong/status/1980293479432704487) [@JimChuong](/creator/x/JimChuong) 2025-10-20T15:22Z 29.1K followers, 1724 engagements


"Remember the good ol days when the market fell and you invested more Congratulations to you 🍻"  
[X Link](https://x.com/JimChuong/status/1980302651947696476) [@JimChuong](/creator/x/JimChuong) 2025-10-20T15:58Z 29.1K followers, 1945 engagements


"My process for investing in the stock market is simple: X. Stay at least XX% invested X. If market down XX% from all time high lump sum XX% of available cash X. If market down XX% from all time high lump sum XX% of available cash X. Rinse and repeat until XXX% invested"  
[X Link](https://x.com/JimChuong/status/1976775787337728088) [@JimChuong](/creator/x/JimChuong) 2025-10-10T22:24Z 29.1K followers, 1.5M engagements


"Canada is going to have a massive single family home correction because all their debt is due right now. Everything over there is an adjustable. Will Grant Cardone be right I adulted into Torontos last real estate collapse and would be interested in experiencing another"  
[X Link](https://x.com/JimChuong/status/1977934157247344894) [@JimChuong](/creator/x/JimChuong) 2025-10-14T03:07Z 29.1K followers, 55.3K engagements


"@nequalonetrader Helping the company that fired you save billions of dollars is not revenge"  
[X Link](https://x.com/JimChuong/status/1980657398655434861) [@JimChuong](/creator/x/JimChuong) 2025-10-21T15:28Z 29.1K followers, 4123 engagements


"$100k to $1M is easier than $X to $100k But $1M to $10M is about the same as $X to $100k. Agree"  
[X Link](https://x.com/JimChuong/status/1980677216292991292) [@JimChuong](/creator/x/JimChuong) 2025-10-21T16:47Z 29.1K followers, 11.3K engagements


"@NxtGenPlanning My bad. I misunderstood. Question. If families with $20M are all selling why do you say youre not selling It kinda feels like selling (not that theres anything wrong with that)"  
[X Link](https://x.com/JimChuong/status/1981042158066159779) [@JimChuong](/creator/x/JimChuong) 2025-10-22T16:57Z 29.1K followers, XX engagements