Why You Are Poor

Understanding the forces making ordinary Canadians poorer — and what you can do about it.

Start Here: The Big Picture

Many Canadians work hard yet feel less secure than their parents did. Housing, debt, slow income growth, changing work and the rising value of assets all shape that experience. This site explains those pressures in plain language and points to practical ways to think about them.

80%+Purchasing-power loss discussed since the 1970s
187%Household debt-to-income ratio
40–50%Income that rent can consume in major cities
13×Vancouver home price-to-income ratio

Generational Pressure & Housing

Delayed Adulthood

Why young Canadians are taking longer to move out, find stable work and start families — and the economics behind that shift.

Read →

Causes: AI, Immigration & Automation

An examination of modern forces that may affect jobs, wages and the independence of young adults.

Read →

Solutions to Delayed Adulthood

Practical, structural and policy-level steps that could make independence achievable again.

Read →

The Vancouver Model

How international money, including money moving through casinos, distorted Vancouver real estate for a generation.

Read →

How the System Works

Who Is Responsible?

Delayed adulthood is not caused by one group. Governments, employers, markets and institutions all play a role.

Read →

Over-Financialization

How Canada began rewarding owners of assets over workers — and why that can make ordinary saving less effective.

Read →

Stagflation: What It Means for You

A closer look at slow growth plus rising prices, what causes it and how it affects household choices.

Read →

Part 2 — Canada at a Crossroads

Why Canada is falling behind despite its resources, and how global tensions affect ordinary Canadians.

Read Part 2 →

Learn, Prepare & Act

Understanding Bitcoin Simply

Plain-language explanations of inflation, decentralization and why some people consider Bitcoin as part of their savings plan.

Read →

Bitcoin: A Different Kind of Money

Explore the fixed supply of Bitcoin and why people compare it with government-issued money.

Visit Bitcoin pages →

Not a FIRE Sale

Financial Independence, Retire Early is about buying back choices and making work less like a prison sentence.

Read →

Part 3 — What Citizens Can Do

Practical resilience ideas, including savings, custody, preparedness and asset-protection considerations.

Read Part 3 →

Important Disclaimer

Educational purposes only. Nothing on this site constitutes financial, investment, legal, tax or immigration advice. It presents Ted Lee’s personal research, opinions and lived experience.

Not a recommendation to buy or sell anything. References to Bitcoin, precious metals or other assets are educational. Investments carry risk, including loss of principal, and cryptocurrency is especially volatile.

Before making a financial decision, consult a qualified professional who understands your personal circumstances and province of residence. External links are supplied for reference only.

© 2026 Ted Lee · VE7LEE · Vancouver, BC · Question everything. Choose freedom.