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In this video, I’m not here to chase algorithms or create outrage. I’ve been a mortgage professional for 28+ years, and my responsibility has always been to run the math, remove the emotion, and tell the truth about what the numbers mean for households. Recently, the Parliamentary Budget Officer did the same thing - but for the entire country - using the words alarming, stupefying, shocking, and unsustainable to describe Canada’s fiscal outlook. This isn’t about left or right. This is about what rising national debt means for: • Mortgage renewals • Cost of living • Housing affordability • The financial future of Canadian families If your mortgage is coming up for renewal in the next 12–18 months, or you’re thinking about buying, now is the time to get informed and make a plan. We move forward with clarity, steadiness, and intention. If you’d like a conversation about your own situation, you can reach me at www.michellemortgages.ca #canadaeconomy #mortgagerenewal #interestrates #housingmarket #canadianmortgages #costofliving #PBOreport #cdnpoli #budget2025 #financialwellbeing #debt #inflation #michellemortgages