Can You Cut Mercilessly on the Things That Don't Matter?

I think we have this idea that as our incomes or financial security inflates that we tend to inflate every area of our life, but you actually can keep some areas of your life, like very low spend. And that's actually what frees up cash to spend in the areas that really, really matter to you. I'm surprised that Canadians fear debt that much because aren't we the most in debt in the fellow nation? We're 44% fearful of unexpected expenses and then not having enough to retire at 38%. So I think like that makes sense with debt. People love the debt that they choose.