1. It’s the first of the month and you have just enough Pre-tax cash in your account to cover mortgage payment…
2. Your meagre home equity is your savings plan.
3. …which is completely decimated when you take it out as HELOC to pay for your roof repair
4. You always do a double-take when you see rich-looking Asians walking past your still-unsold house.
5. …but usually they're just on their way to a yard sale or food bank.
6. Passive aggressive notes from ghosts of grow-ops past litter your "mortgage helper" suite
7. You needed to convince your friends to chip in into your down-payment. “Jane? The bank won't lend me enough money even after I borrowed thousands from Bank of Mom&Dad, can you PLEEEEEASE help???”
8. One look at your account and the banker just humors you for a couple minutes before shuffling you out.
9. That career as a star (House) Flipper is still in the cards. “Hey, it could totally still happen! I'll just stay in my million-dollar crack shack for a couple more years...”
10. RRSP? TFSA?? 
11. Oh? Another one of my friends just left Vancouver. That’s. Just. Fantastic.
12. Your Tenant: "My landlord lives in the basement"
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OutStanding.
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