Published on YouTube: CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS
CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS
THIS BLOG GOES LIVE ON MONDAY, DECEMBER 22, 2025, AT NOON - WATCH THE VIDEO NOW! CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: this video is the explainer companion to our complete guide on Canada’s 2025 economic illusion. Canadian net worth has risen on the back of markets and housing, while household debt-to-income keeps climbing and growth stalls. In this Canadian‑focused DTI guide, you will learn: What the household debt‑to‑income (DTI) ratio is, and why Canadians now owe roughly $1.75 for every $1 of disposable income How net worth can rise on “paper wealth” while many families feel poorer in real life Why rising DTI, record household debt and softer growth are creating a dangerous economic illusion for 2026 How a K‑shaped economy is widening the gap between asset‑rich Canadians and those struggling with debt and shrinking savings Practical steps to lower your DTI, rebuild your safety net, and protect your household or small business if conditions worsen in 2026 If you feel like you are on the downward arm of that K – with rising payments, less savings and more stress – you are not alone, and there are government‑regulated solutions that can provide a real, legal fresh start. As Licensed Insolvency Trustees, the Ira Smith team can help you confidentially review your situation and explain every option available. 📞 Book a free, confidential consultation: 905.738.4167 or 647.799.3312 📚 Read the full blog: “Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: Our Complete Guide On Canada’s Economic Illusion” https://ift.tt/cdUJiAW 👍 If this helped you understand your DTI and Canada’s debt picture, please like, subscribe, and share it with someone who may be feeling the squeeze. Chapters: 00:00 Intro – Canada’s 2025 Economic Illusion 00:32 What Is the Household Debt-to-Income (DTI) Ratio? 01:21 Meet Ira Smith & How Licensed Insolvency Trustees Help 02:48 The Explainer – Setting Up the Paradox 03:19 Economy Shrinking While Net Worth Rises 03:48 Paper Wealth: Markets, Housing, and the Illusion of Wealth 04:24 Who Actually Gets Richer? Top 20% vs Everyone Else 05:01 The Real Story – Rising Household Debt and Pressure 05:10 Canada’s DTI at $1.75 of Debt per $1 of Income 05:35 Why Your DTI Ratio Matters for Your Financial Health 05:56 How Lenders View Risk and High DTI Zones 06:01 Shrinking Savings Rate and Thinner Safety Nets 06:07 Explaining the K-Shaped Economy in Canada 06:31 Upper Arm of the K – Asset Owners and Market Gains 06:44 Lower Arm of the K – Debt, Cost of Living, and Stress 06:50 What This All Means for You Heading Into the New Year 06:57 Practical Steps: Know Your DTI, Pay Down Debt, Rebuild Savings 07:13 Impact on Small Business, Credit, and Lending Conditions 07:27 When You’re on the Downward Arm of the K 07:39 Legal Fresh Start Options and Government-Regulated Solutions 07:52 Why a Fresh Start Is a Legal Reality in Canada 08:03 Taking the First Step and Getting Free Professional Help 08:09 How the Ira Smith Team Can Help You Move Forward 08:16 Thanks for Watching and Next Steps #DebtToIncomeRatio #HouseholdDebt #CanadianDebt #CanadaEconomy #DTI #DebtHelp #Insolvency #Canada2026
via YouTube https://www.youtube.com/watch?v=L7OdCONtPwU
THIS BLOG GOES LIVE ON MONDAY, DECEMBER 22, 2025, AT NOON - WATCH THE VIDEO NOW! CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: this video is the explainer companion to our complete guide on Canada’s 2025 economic illusion. Canadian net worth has risen on the back of markets and housing, while household debt-to-income keeps climbing and growth stalls. In this Canadian‑focused DTI guide, you will learn: What the household debt‑to‑income (DTI) ratio is, and why Canadians now owe roughly $1.75 for every $1 of disposable income How net worth can rise on “paper wealth” while many families feel poorer in real life Why rising DTI, record household debt and softer growth are creating a dangerous economic illusion for 2026 How a K‑shaped economy is widening the gap between asset‑rich Canadians and those struggling with debt and shrinking savings Practical steps to lower your DTI, rebuild your safety net, and protect your household or small business if conditions worsen in 2026 If you feel like you are on the downward arm of that K – with rising payments, less savings and more stress – you are not alone, and there are government‑regulated solutions that can provide a real, legal fresh start. As Licensed Insolvency Trustees, the Ira Smith team can help you confidentially review your situation and explain every option available. 📞 Book a free, confidential consultation: 905.738.4167 or 647.799.3312 📚 Read the full blog: “Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: Our Complete Guide On Canada’s Economic Illusion” https://ift.tt/cdUJiAW 👍 If this helped you understand your DTI and Canada’s debt picture, please like, subscribe, and share it with someone who may be feeling the squeeze. Chapters: 00:00 Intro – Canada’s 2025 Economic Illusion 00:32 What Is the Household Debt-to-Income (DTI) Ratio? 01:21 Meet Ira Smith & How Licensed Insolvency Trustees Help 02:48 The Explainer – Setting Up the Paradox 03:19 Economy Shrinking While Net Worth Rises 03:48 Paper Wealth: Markets, Housing, and the Illusion of Wealth 04:24 Who Actually Gets Richer? Top 20% vs Everyone Else 05:01 The Real Story – Rising Household Debt and Pressure 05:10 Canada’s DTI at $1.75 of Debt per $1 of Income 05:35 Why Your DTI Ratio Matters for Your Financial Health 05:56 How Lenders View Risk and High DTI Zones 06:01 Shrinking Savings Rate and Thinner Safety Nets 06:07 Explaining the K-Shaped Economy in Canada 06:31 Upper Arm of the K – Asset Owners and Market Gains 06:44 Lower Arm of the K – Debt, Cost of Living, and Stress 06:50 What This All Means for You Heading Into the New Year 06:57 Practical Steps: Know Your DTI, Pay Down Debt, Rebuild Savings 07:13 Impact on Small Business, Credit, and Lending Conditions 07:27 When You’re on the Downward Arm of the K 07:39 Legal Fresh Start Options and Government-Regulated Solutions 07:52 Why a Fresh Start Is a Legal Reality in Canada 08:03 Taking the First Step and Getting Free Professional Help 08:09 How the Ira Smith Team Can Help You Move Forward 08:16 Thanks for Watching and Next Steps #DebtToIncomeRatio #HouseholdDebt #CanadianDebt #CanadaEconomy #DTI #DebtHelp #Insolvency #Canada2026
via YouTube https://www.youtube.com/watch?v=L7OdCONtPwU