So based on the first chart, roughly half of Canadian households had negative cash flow in 2023 (spending > after-tax income). This is true even if you exclude

So based on the first chart, roughly half of Canadian households had negative cash flow in 2023 (spending > after-tax income). This is true even if you exclude older age groups which would have more retirees drawing on their savings. Meanwhile the top quintile saves ~$60k per year. Pretty rough situation.