This is just insane, but unfortunately this is the reality , with all the taxes, insurances, bills, mortgages and daily expenses that has to be paid, it is really difficult for the people to safe

A lot of people live like this, not just Canadians.

I do agree that a lot people live like this not just Canadians. There are nations that even live with less the ugly truth is that you have to plan well – if you plan your expenses and do everything to add additional income (additional part time job or even trading) you will be able to save not significant amount but still savings that may help in hard moment.