Debt Free In 30

Owning a home is supposed to bring stability, but for many Canadian households, the numbers are getting harder to manage. Mortgage renewals at higher rates, unexpected repairs, and rising day-to-day costs can quietly shift a manageable situation into one that no longer works. This conversation explores the early warning signs that homeownership may be becoming unsustainable, including relying on credit to cover housing costs or delaying necessary maintenance. It also looks at practical options homeowners can consider before things become urgent, and why acting early can help preserve both financial control and home equity. (00:00) Owning a home but struggling to afford it (03:05) Mortgage renewals, repairs, and rising housing costs (05:20) The early warning signs that affordability is breaking (08:10) Borrowing to stay housed - why that's a red flag (10:02) The emotional resistance to selling a home (13:05) Why timing matters and protecting your equity (15:10) Downsizing vs. selling and renting (17:45) What