If You’re in Your 20s, Watch This Before Buying a Home

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What This Video Covers

This video is a direct response to a real comment I received from a young couple trying to do everything right — save for a home, invest, and retire early. At age 26 with a $100K household income, the biggest mistake you can make is rushing into homeownership too early. I break down exactly how to think about down payment saving, TFSA, FHSA, RRSP, and retirement without overcomplicating it. This is not about shortcuts — it’s about sequencing your money the right way so you don’t get stuck house-poor. If you’re in your 20s or early 30s, this framework applies directly to you.

Here’s what you’ll learn:

In this video, I break down:
✓ Whether you should pause retirement investing while saving for a down payment
✓ Why buying a home too early can delay both wealth and freedom
✓ The exact 20% rule I’d follow if I were starting at 26 again
✓ How to split money between emergency fund, FHSA, TFSA, and RRSP
✓ When it’s okay to invest down payment money vs keeping it in cash
✓ Why income growth matters more than obsessing over saving
✓ The ideal household income range before buying your first home
✓ How to plan for retiring at 50 without relying on real estate
✓ The biggest mindset shift young buyers need to make today

About Me

I’m Nav, a licensed mortgage agent (Indi Mortgage, FSRA#12403).
My mission is to help 1 million immigrants retire mortgage-free with a $5M net worth.
Every video blends storytelling, financial truth, and a clear action plan.

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00:00 – Question: save for down payment or retire early?
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01:01 – Why a 26‑year‑old couple on 100k should delay buying.
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02:18 – Two priorities: invest 20% and build emergency fund.
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03:05 – Using FHSA, TFSA and RRSP for future home.
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04:05 – Invest in skills and side income to reach 150–200k household.
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05:38 – How to invest down payment money over 3–4 years.
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07:36 – Free first‑time homebuyer masterclass and tools.
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10:38 – Retiring at 50 using the same two levers.
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