Those 42% saving up 5% per month off their paychecks are Canadians working in government service, oil, telecoms, blue chip manufacturing. The other 48% of Canadians are swamped in debt they will never pay off in their life time. Yet we fool ourselves that we are a paradise for immigrants and refugees, fooling ourselves that everybody wants to come to our country, those people are even worse off than we are when they land here, they are choked and gasping for air in a near vacuumed out 'air-less Canadian economy' and they just woke to realize Canada is overrated, its only a paradise for us the few lucky ones.