In Canada right now we've reached an interesting point where in the 2-3 years all these people who got 1.5% fixed rates are gonna have to renew at likely 5% or higher. It's especially a big deal since average housing prices like 600K.

I've always been conservative with money as I appreciate sound mind AKA lack of debt over ROI. Our mortgage renews at the end of this year and we'll likely go from 2.78 to 5 plus. Been doing the near max for lump some payments to pay down the principle so when it does renew we'll barely be paying any more than now.