Older Canadians control the large majority of Canada’s wealth. This is in part a function of accumulating assets over the life course, but it also reflects that obstacles to wealth creation are growing for younger generations. The high cost of post-secondary education, housing and child care, combined with declining wages, are a toxic combination for financial security. Primary wealth creating assets – likes homes – are less accessible to younger people. Those who have managed to claw their way into the housing market may have seen their net worth increase, but often alongside big mortgage debts required for today’s inflated prices.