The only way to 'cash your ticket' is to hope there isn't a crash when you retire and can sell your house and move to a more affordable city.  Don't fool yourselves getting too wrapped up in all of this though.  The Ontario economy is much like the US economy - it is a rigged economy and our rich are getting much more rich, our poor - poorer and our middle-class disappearing.  Will be interesting if this is addressed in the next elections, our next generations too.  Young people aren't dumb and they will follow the money.