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> When your modest house costs $800k USD, a car costs 30k, auto insurance is $1600 a year, groceries are 10k a year (looking at you, Toronto)

How did you get these costs? You can get a French Chateau with that much money. https://www.prestigeproperty.co.uk/french-chateau-for-sale-2...

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In Toronto (and I mean Toronto proper, not an hour's commute away), a modest house is easily over 1,000,000, and prices are only climbing.

An hour from Toronto houses are close to a million dollars. I am 30 km from the financial district. I live in a modest house in a modest neighbourhood. My house would list for around 900k and there would be a bidding war.

I paid $340k for this house 13 years ago. I thought that was far too expensive but I didn't have a choice.

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