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[–] Pm_me_ur_genetiks ago 

Your 20k would not cover shit all if it came to a serious medical condition ie cancer. Time to get a real job if you are only paying 20k in taxes. Your private healthcare would also cover fuck all for treatment costs. Life and disability insurance has so many loop holes to prevent payouts.

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[–] SleepyCicada ago 

I don’t think it’s as dramatic as you make it out to be. 20K saved up yearly over the course of 10 years will likely cover a full treatment course for breast cancer. Then there’s critical illness insurance. A ‘real’ job is nice to have but here in Canada, 120K yearly is decent. Are you implying that the vast majority of Canadians don’t have ‘real’ jobs?