What the metric literally means Household debt-to-GDP compares: Total household debt (mostly mortgages + consumer credit) divided by GDP (the value of goods and services Canada produces in a year) So if household debt-to-GDP is 100%, it means Canadian households collectively owe roughly the equivalent of one year of Canada’s total economic output. Why Canada’s household debt is so high The simplest explanation is that Canadian household debt is heavily driven by housing finan

If you feel like your paycheck isn't stretching as far as it used to, you aren't imagining it. Statistics Canada just released the Annual Average Consumer Price Index (CPI)  for 2025 , and the number is 164.2 . While a three-digit decimal might look like dry economic data, it is actually a precise measurement of your declining purchasing power. Here is what that number really means for your wallet. The "2002 Reality Check" To understand 164.2 , you have to look back to 2002 —

As a financial advisor, I am often asked: "Is the market a gamble?"  When you look at the headlines of a single week, it certainly feels like one. But when we zoom out to a 100-year view (1926–2025) , the "noise" of the daily news transforms into the "signal" of one of the greatest wealth-creation engines in human history. Let’s look at the cold, hard data from the last century and what it actually means for your portfolio. 1. The Power of 10.49% Over the last 100 years, the