AIDX
HEALWELL AI INC
stock TSE

Stop buying massive positions in shitty microcap penny stocks?
Your portfolio ex AIDX, SCD, CNC and ALGO would be doing OK.
Don't buy anything with a market cap under 1B unless you're ready to take a bath on it. Never put more than 5% of your port combined into those smallcaps unless you really know what you're doing

First off, take a breath. You're 22, about to earn $120k in Toronto, and you have *decades* of compounding ahead of you. The fact that you're even investing at this age puts you ahead of most people.
A few things worth considering:
The positions you're holding (AIDX, presumably some other speculative picks) are essentially super concentrated bets. Being down 20% in a bull market usually points to concentration risk, not bad luck. The fix isn't to panic sell everything, but to honestly ask yourself: if you had that money in cash today, would you buy these same stocks again? If the answer is no, that tells you something.
At your income level and age, the boring path is genuinely powerful. Something like a broad market ETF (XEQT, VEQT, VFV) in your TFSA, consistent contributions, and just letting time do the work. It's not exciting, but the math is hard to argue with. You have 30+ years for compounding to do its thing.
On the student loan piece, minimum payments while investing can make sense depending on interest rates. If your loan rate is under 5-6%, keeping money invested in broad equities has historically been the better play over long time horizons. But that's a personal comfort call.
Also, saw that you're using a spreadsheet to track your holdings. Might want to look at something like [Greenline](http://usegreenline.com). Works better than a spreadsheet and way more details.
You're not stupid. You took risk, it didn't work out this time, and now you're learning. That's investing. The best thing you can do at 22 is simplify, stay consistent, and let time be your edge.

So as you can see, I'm pretty down bad. I know, I'm pretty stupid. I've made a lot of stupid financial decisions because I was desperate trying to make money to afford surgery and now I'm even further from my goal...
This loss really weighs on my mental health, especially seeing everyone else up 10-15% or higher because there are no losers in a bull market, right? Well, I guess I proved that wrong.
So, what should I do? I'm 22F and fortunate enough to make around 120k gross in Toronto (starting in June). Most of my investments are with student loans, which I will be slowly repaying off with minimum payments. I don't need this money in the short term as I will be saving every penny after expenses when I begin work. Most of the stocks are invested in my TFSA ($32,500), with \~$5000 of AIDX in a non-registered account.
Thanks for any advice.

Stop buying massive positions in shitty microcap penny stocks?
Your portfolio ex AIDX, SCD, CNC and ALGO would be doing OK.
Don't buy anything with a market cap under 1B unless you're ready to take a bath on it. Never put more than 5% of your port combined into those smallcaps unless you really know what you're doing

First off, take a breath. You're 22, about to earn $120k in Toronto, and you have *decades* of compounding ahead of you. The fact that you're even investing at this age puts you ahead of most people.
A few things worth considering:
The positions you're holding (AIDX, presumably some other speculative picks) are essentially super concentrated bets. Being down 20% in a bull market usually points to concentration risk, not bad luck. The fix isn't to panic sell everything, but to honestly ask yourself: if you had that money in cash today, would you buy these same stocks again? If the answer is no, that tells you something.
At your income level and age, the boring path is genuinely powerful. Something like a broad market ETF (XEQT, VEQT, VFV) in your TFSA, consistent contributions, and just letting time do the work. It's not exciting, but the math is hard to argue with. You have 30+ years for compounding to do its thing.
On the student loan piece, minimum payments while investing can make sense depending on interest rates. If your loan rate is under 5-6%, keeping money invested in broad equities has historically been the better play over long time horizons. But that's a personal comfort call.
Also, saw that you're using a spreadsheet to track your holdings. Might want to look at something like [Greenline](http://usegreenline.com). Works better than a spreadsheet and way more details.
You're not stupid. You took risk, it didn't work out this time, and now you're learning. That's investing. The best thing you can do at 22 is simplify, stay consistent, and let time be your edge.

So as you can see, I'm pretty down bad. I know, I'm pretty stupid. I've made a lot of stupid financial decisions because I was desperate trying to make money to afford surgery and now I'm even further from my goal...
This loss really weighs on my mental health, especially seeing everyone else up 10-15% or higher because there are no losers in a bull market, right? Well, I guess I proved that wrong.
So, what should I do? I'm 22F and fortunate enough to make around 120k gross in Toronto (starting in June). Most of my investments are with student loans, which I will be slowly repaying off with minimum payments. I don't need this money in the short term as I will be saving every penny after expenses when I begin work. Most of the stocks are invested in my TFSA ($32,500), with \~$5000 of AIDX in a non-registered account.
Thanks for any advice.