You’ve gotten $500 additional this month. Do you place it in a financial savings account, purchase shares or Change-Traded Funds (ETFs), or throw it at your bank card debt? Many Canadians freeze at that query, and in 2026, the stakes are larger than they appear. Canadian family credit score market debt has surpassed $3.2 trillion, bank card rates of interest nonetheless sit between 19% and 22%, and shopper insolvencies hit a 16-year high in 2025.









