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Wages are rising too. A part of the rising costs at the moment is rising labor costs.

Median usual weekly real earnings adjusted for seasonality - https://fred.stlouisfed.org/series/LES1252881600Q

My home loan went from 30 year 4.2% to 20 year 2.2% so I've got that going for me.

Same, remortgaged at 1.29%, paying significantly less for my house now. Really really low interest rates everywhere you look.

I'm seeing job listings with 50% higher pay that were unheard of a year ago.

It's absolutely nuts out there right now. If you're not getting a 30 percent raise this year you're taking a pay cut.