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Mar 27 2025 10:28am
household debt is just combined debt of that household of all debt sources.


Gotcha.
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Mar 27 2025 10:36am
There's nothing misleading here. It tells you 75% of the household debt there is relating to housing. So even if you strip out non-housing debt it's still ~12% vs 3-4% for the US.

Canadians spend overwhelmingly more on just housing than we do down here. It's not a strength by any objective metric.


So we have more home ownership, less credit card debt, live longer, better education statistics for the average, almost better QOL metrics across the board, better access to health care for the average person, higher median wealth, and if you look at average savings by age group, USA to America there's not much difference there either.

Think i'll stick to our sparsely populated beautiful country and you guys can enjoy a Tahoe in your driveway and talk about GDP.

And if I drop the patriotism act I have running just because it's fun since most are Americans on here who I legitimately think their first words as a child were Hur yeah America. Either country is is a fine country to live in. For the most part its splitting hairs. There will always be a trade-off for xyz and Canadians are happy trading some GPD in exchange for not being American, or having American values, or frankly your cities and density and all the issues that come with it but also opportunity that comes with those centers of commerce. Can go tit for tat, back and forth, but Americans have their preference , Canadians have theirs. Americans don't seem to understand it , much like I don't understand much of American value or what I consider consumerism.

Would it obviously be synergistic to be one large country holding the majority of the worlds natural resources, obviously. Is that a trade off Canadians want after looking at what America has done to so many parts of its country, I don't think so and nor does the average Canadian. Different values, and Canadians are fine with not raping everything in the name of GDP.

This post was edited by SBD on Mar 27 2025 10:46am
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Mar 27 2025 10:46am
So we have more home ownership, less credit card debt, live longer, better education statistics for the average, almost better QOL metrics across the board, better access to health care for the average person, higher median wealth, and if you look at average savings by age group, USA to America there's not much difference there either.

Think i'll stick to our sparsely populated beautiful country and you guys can enjoy a Tahoe in your driveway and talk about GDP.


You have more debt and most of your 'wealth' is tied in home equity on assets that are i would say artificially overpriced due to supply shortages.

I live spitting distance from southern Ontario. Even adjusting for FX conversion the home that i own, same house literally within 1 hour drive of me within Canada is worth at least 1.5x to 2.0x, materially higher for the same house. Congrats on carrying 1-2k less in CC, when you're carrying 800k to over 1M in a housing loan, multiples more than we would.

This post was edited by ofthevoid on Mar 27 2025 10:47am
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Mar 27 2025 10:50am
You have more debt and most of your 'wealth' is tied in home equity on assets that are i would say artificially overpriced due to supply shortages.

I live spitting distance from southern Ontario. Even adjusting for FX conversion the home that i own, same house literally within 1 hour drive of me within Canada is worth at least 1.5x to 2.0x, materially higher for the same house. Congrats on carrying 1-2k less in CC, when you're carrying 800k to over 1M in a housing loan, multiples more than we would.


Okay, guess we're okay with that given even at Canada's all time lowest happiness polling America still sits lower. But naturally you will be unhappy if you entire existence is based on if you can have more wealth their your neighbour.

But keep preaching. You guys are not good salesman.

Tell you what, you can have the two Canadians that want to be come part of the USA on this forum who constantly preach for actual genocide of brown people in Canada. They seem like their unhappiness is peak.

This post was edited by SBD on Mar 27 2025 10:52am
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Mar 27 2025 12:31pm
Lmao, so were just taking Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.

And still have worse QoL.

Maritimes:
Life expectancy at birth: 80.48 years
Female life expectancy: 82.67 years


Massachusetts: Life expectancy in Massachusetts was 79.6 years in 2021.
Connecticut: Life expectancy in Connecticut was 79.2 years in 2021.
New Jersey: Life expectancy in New Jersey was 79.0 years in 2021.
New York: Life expectancy in New York was 79.0 years in 2021.
Maine: Life expectancy in Maine was 77.8 years in 2021.
Rhode Island: Life expectancy in Rhode Island was 78.2 years in 2021.
Vermont: Life expectancy in Vermont was 78.8 years in 2021.
New Hampshire: Life expectancy in New Hampshire was 79.0 years in 2021.

But wealth , wealth, wealth.


Life expectancy being less is because alcohol is cheaper plus black people killing each other all the time, dragging down the mean
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Mar 27 2025 01:19pm
Life expectancy being less is because alcohol is cheaper plus black people killing each other all the time, dragging down the mean


Honestly I appreciate the diversity of your racism
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Mar 27 2025 01:38pm
Honestly I appreciate the diversity of your racism


There are unique traits associated with each
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Mar 27 2025 02:46pm
Okay, guess we're okay with that given even at Canada's all time lowest happiness polling America still sits lower. But naturally you will be unhappy if you entire existence is based on if you can have more wealth their your neighbour.

But keep preaching. You guys are not good salesman.

Tell you what, you can have the two Canadians that want to be come part of the USA on this forum who constantly preach for actual genocide of brown people in Canada. They seem like their unhappiness is peak.


Happiness is such as non-tangible metric and could mean so many different things for different people.

I rather focus on measurable things. There's a lot of different things that make me happy that are difficult to measure. Some are not that hard to measure. Not being house poor is a good example. Gives me lots of flexibility, lets me invest/save more than the typical person, gives me some level of future safety that I'm not ahead of my skis. You know, i can afford to take my kids on vacations or buy them dance or music lessons?

Median home value in Canada ~650k
Median Salary ~$75k cad?

Median home value in the US ~360K USD (~515k CAD)
Median US salary ~$62K ($89k CAD)

Would hate to live 1 hour from here in southern Ontario trying to get myself into a house, when everything is so fucking expensive and completely unaffordable.

This post was edited by ofthevoid on Mar 27 2025 02:57pm
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Mar 27 2025 02:56pm
Happiness is such as non-tangible metric and could mean so many different things for different people.

I rather focus on measurable things. There's a lot of different things that make me happy that are difficult to measure. Some are not that hard to measure. Not being house poor is a good example. Gives me lots of flexibility, lets me invest/save more than the typical person, gives me some level of future safety that I'm not ahead of my skis.

Median home value in Canada ~650k
Median Salary ~$75k cad?

Median home value in the US ~360K USD (~515k CAD)
Median US salary ~$62K ($89k CAD)

Would hate to live 1 hour from here in southern Ontario trying to get myself into a house, when everything is so fucking expensive and completely unaffordable.


Some are absolutely happy to pay the premium to be in the superior country. Its always more expensive to be in better surroundings. No one wants to go live in fuckin the shit holes of Cleveland, Detroit or Buffalo.

Isn't it fairly standard that often better things come at a premium?

This post was edited by SBD on Mar 27 2025 02:57pm
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Mar 27 2025 02:59pm
Some are absolutely happy to pay the premium to be in the superior country. Its always more expensive to be in better surroundings. No one wants to go live in fuckin the shit holes of Cleveland, Detroit or Buffalo.

Isn't it fairly standard that often better things come at a premium?


lol superior, you're poorer, have less jobs, have shit climate and depend overwhelmingly on the US for your economy.
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