Are you employed?

@SW-User Not wealthy by any stretch of the imagination, but certainly comfortable.

@Ontheroad I know context matters, and won't ask details, I can stand corrected, maybe you were saying what people need, but I remember that $3000 figure a month... and I was like, that's the literal truth in a lot of North America now for basic means...

@SW-User I can't remember exactly what I said either, but you are right, $3K a month is no longer uncommon. It also makes it nearly impossible for anyone or any family that doesn't make over $100k annually to make it.

@Ontheroad I'm technically middle class, single, and the most frugal now to afford a starter home now here needs an income of $120,000? The average median income of Ontario is $60000, which affords a home using the principle of 30% a home about $300000, and the average home costs $900,000? Many people don't listen to me, when I say Canada is heading for the crash the US dealt with in the late 2000's when people were defaulting from their homes and walking away homeless. It's actually needed here, if the average person who lives here, can't afford to live here, well? I actually think the banks, governments are being soft, (polite, A Canadian way)........... and if you made them learn their losses quicker, a healthier market would prevail, but no one wants to say, you spent $1million dollars on this home, while there are people who can't afford a home who make what was called a decent income before

There is someone always at loss in this scenario....