Older millennials, adults aged 35 to 44, had debt-to-disposable income ratios around 250 per cent in 2019, while Freestone noted that metric was roughly 150 per cent for the same age group in 1999.

Can confirm we’re sitting around 250% but this is after exercising significant restraint to not take on as much mortgage as the banks would have given us. Everyone I know who bought over the last couple of years went all out and I can’t imagine them being any lower than 300-350%.

  • Showroom7561
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    1 year ago

    I read just a few days ago that the average price of a new car in Canada is $66k.

    And a good used bike is $150.

    People, we need to start looking for alternatives that won’t make rich people richer. Buy a *used *car if you must have a car, but don’t keep filling the pockets of these greedy bastards by buying new.

    • n2burns
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      1 year ago

      I’m super into urbanism and love my bike, but unless there’s good bike infrastructure in your area, you’re risking your life. I know and keep riding anyways but most people aren’t willing to take that risk. What we need to do is organize to push our governments to provide safe infrastructure for all road users.

      • isosphere@beehaw.org
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        1 year ago

        i’d settle for more sidewalks in my town

        on some streets they just paint a line down the road and call it a sidewalk - one of these is on a road touching an elementary school

      • Showroom7561
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        1 year ago

        I understand the sentiment, but I’m willing to bet that it’s more likely that the average person will die in a car than on a bike.

        Yes, there are risks, and yes cycling infrastructure can absolutely help to reduce those risks, but in the greater context I think cycling is still the better option in more ways than one.

        For instance, cycling can reduce the chance of the #1 cause of death (heart disease), while cars increase that risk. That alone would make cycling better for health and longevity, even with less than perfect cycling infrastructure. 😀

        • FireRetardant@lemmy.world
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          1 year ago

          The amount of stress and risk riding a bike next to 60+ km/hr traffic with 4+ foot hood heights is simply not worth it to most people. Cars are the only method of travel prioritized in most Canadian cities while pedestrians and cyclists aren’t even a third or fourth thought. We need dedicated and seperated/protected bike/ped routes so everyone can feel safe.

          • Showroom7561
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            1 year ago

            I agree that there are barriers to cycling that need to be addressed, and safety (or perceived risk of injury) is one of them.

            We need to consider that most trips by car are very short (<5km), and if a bike can be used, then it should. Longer trips can use public transportation.

            I’d say that anyone living in any Canadian city with a population over 100,000 will have “good enough” cycling infrastructure to replace a good chunk of their car trips. And that would be great.

            Even in these smaller municipalities, new development seems to get cycling infrastructure baked in, so things are always improving.

            If you live in a city like Toronto, Montreal, or Calgary (three largest population centers in Canada), then you already have a vast cycling infrastructure network available.

            More realistic barriers to cycling are often practical things: how to deal with sweat, how to deal with bad weather, where to park the bike, etc., and those come with experience and planning.

            If we keep waiting for cycling infrastructure to be perfect, it’ll never happen. One cyclist on the road = one less car, and infrastructure won’t be built unless we have more cyclists asking for it.

            Those are my 2 cents as someone who has replaced the majority of my own car trips with a bike, throughout the entire year, living in a Canadian city that doesn’t have ideal cycling infrastructure, but “good enough” cycling infrastructure.

            • FireRetardant@lemmy.world
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              1 year ago

              I live in a city with more than 100,000 people and do not at all feel safe biking on the major roads, which are the main option for most travel as their is poor side road connectivity.

              A lot of the new developments I see have painted bicycle gutters, which is barely even infrastructure and this point an insult to cyclists. One recent development in my home town has a painted bicycle gutter along a 6 lane road and it passes directly under a bridge and in front of a highway entrance. I have literally never seen a bike on this section because it is borderline suicidal. You may be comfortable in a painted bicycle gutter, but many people are not and it is a massive barrier to cyclists and especially younger ones.

              Those “more realistic barriers” like weather and sweating exist everywhere else, including Sweden and Norway which have climate similar to ours. But people in those countries are able to bike year round on safe and maintained bicycle infrastrure that is so safely seperated from cars that kids commute to school on these routes.

              The quality and connectivity of good bicycle infrastructure is the biggest hurdle in the majority of Canadian cities for cyclists. Sure people could probably make their commute on their bike, but until it feels easier and more pleasant than driving we won’t see mass shifts into cycling.

              • Showroom7561
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                1 year ago

                I live in a city with more than 100,000 people and do not at all feel safe biking on the major roads, which are the main option for most travel as their is poor side road connectivity.

                Have a look at Strava, Garmin, RidewithGPS “heatmaps” and see where other cyclists are riding. You may be surprised at the creative routes people use to avoid major roads (which I also tend to avoid completely).

                A lot of the new developments I see have painted bicycle gutters

                That’s a real damn shame. I live in Oshawa, and all our north development has full multi-use paths, as well as bike lanes. Whitby has been adding mutli-use paths and separated (but painted) bike lanes like crazy, which have been great to ride on. Ajax is also well ahead of the curve. All three municipalities have < 150,000 people

                I’d suggest having your municipal or regional active transportation committee follow up with your city to see what the hell is going on with their planning. Sounds like nobody who’s in a position of influence is putting cycling on their priority list.

                but until it feels easier and more pleasant than driving we won’t see mass shifts into cycling.

                I have to reiterate that driving is still more likely to get someone killed, as is inactivity (from driving). So we have to put things into perspective. There’s often a gap between perceived barriers and actual barriers, so some of the perceived barriers disappear once someone is riding regularly. Some new barriers may pop up, especially after a negative experience, but often times cycling strengthens our resilience and ability to adapt.

                I’m not suggesting that someone bike on objectively dangerous roads or piss-poor bike gutters (which probably have parked cars in them anyway), but cycling requires different route planning, and there is often good cycling infrastructure that’s unknown to the average driver, which becomes “discovered” once someone takes up cycling.

                Heck, we have an intersection around here that I’d use for at least 75% of my rides because there are bike lanes in all directions, which has been completely closed off due to construction all summer. This has forced me to seek alternate routes. And while my first few detours were on less-than-ideal roads, I’ve since found alternate routes that are even more efficient (and arguably safer) than the bike routes I was taking.

                I would urge anyone who’s interested in cycling to connect with a local club or group to ask what the actual experience of cycling is. I’d hate for someone to not take up cycling in their city, because they don’t *feel * it’s safe, even when it could be.