Free Ebook: Why Life Feels So Expensive (Canada & US) + What To Do About It

**$1,000 of stuff in 2014 cost about CAD $1,312 (or USD $1,360) in 2025. If it feels like your money is vanishing, you're not imagining it.**

This free 38-page ebook explains, in plain language, why life in Canada and the US got so expensive from 2014 to 2026, and what you can actually do about it.

**What's inside (30 chapters, 47 sources):**

- Why a raise can still leave you behind (CPI up about 31.2% in Canada and 36.0% in the US, 2014-2025)

- Housing, food, wages and policy: what really changed

- Family-of-four model budgets in CAD and USD (illustrative, not official costs)

- The first 48 hours when money is urgent, with a call script for creditors

- Finding benefits and tax help (CRA, IRS, 211, USA.gov routes)

- A budget that works when income is irregular

- Debt recovery: avalanche vs snowball, with real example maths

- Earning more: a 90-day job plan, using AI as a tool, starting small without betting the household

- A 90-day recovery roadmap and worksheets

**Honest notes:** educational, not financial advice. No get-rich promises. Figures are dated (research cut-off Oct 11, 2026) and model budgets are illustrative.

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