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://irasmithinc.com/blog/househol...

👍 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​
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