the truth is that my family owes me quite a bit of money.  i actually lent my father several thousand dollars in 2008 when the market crashed, and he seems to have lost it gambling, as he had an addiction to gambling. i've had an extremely hard time recovering those funds from his estate, because he doesn't appear to have told anybody, but rather told everybody that he gave me the money he lost gambling to pay my rent (he never paid my rent even once). there was an agreement that my stepmother would transfer me a small amount of money on a regular basis for a large amount of time, but she didn't transfer me a dime and when i moved out of ottawa i just walked away from it. as an odsp recipient, i had strict asset limits that have since broadened. at the time, it wasn't worth it. it has since become worth it, and i tried to go after a bit of the money they owed me when i realized i was going to have to move in 2023, and realized i was going to have to sue them for it, as they weren't intending to be honest about the money intended for me that was stolen.

i'm looking to transfer funds into this rdsp fairly aggressively; if i can move $3500 in before dec 31st and $4500 in in the first week of january, i will be eligible for $21000 in grants in addition to the $10000 it opens with. if i can get $30,000 into an aggressive mutual fund package before the spring, that could start to grow pretty fast, over $5000/yr, and i can continue to dump upwards of $15K of grants into it for the next five years. it could be at 50K in two years, and then i'm pulling in over $5000/yr fairly reliably. i can live on $10,000/yr, if i can get the housing situation dealt with independently.

i'm hoping i can talk them into transferring some funds into this account to take full advantage of the grants and in order to evade the imminent lawsuits that are coming, but they've become stubborn conservative idiots, and are leaving me with no choice but to sue them, which is something that shouldn't be necessary for me to do, and something i don't want to do.

i bought $10,000 worth of medium risk mutual funds on the strong suggestion of the advisor to open the account, and that's reasonable, but i'm going to want to diversify a little. as mentioned, if i'm aggressive about this, i could get $20,000 in grants within a few months. i might decide to buy more mutual fundsi n the end, but i may want to buy some stocks directly, as well and, over the long run, manage this myself. 

i have never purchased any stocks before, so i agree that buying mutual funds is the smartest thing to do immediately, but i could see the value in doing something like buying $500 of penny stocks in canadian mining companies set to ramp up production for critical minerals. i have time to do that research and i'm capable of doing it.

the fact that my father was bad with money and had a gambling problem is something i've tried to learn from. i don't gamble; i'm very financially conservative. however, i'm getting roughly $70,000 of free money from the canadian government in the next five years, put into an account meant to buy stocks and bonds with. i should figure out how to put the bulk of into stable investments, and make sure any contributions i make for myself are in the safest place possible, while taking some moderate risks with some of the free money, and some higher risks with a very small amount of it.

if i buy $500 of penny stocks out of the $70000 i get in grant money and $100 worth of those penny stocks get to $100 each, well, i'm an instant millionaire. that's worth it.

i've criticized carney's infrastructure plan as a ploy to manipulate the stock markets. i should take advantage of that, if i think i understand it.