I spend under 20k/year to live. How about you? Photo by 青 晨 on Unsplash Last Updated: May 2020 If there is one thing I'm certain of, it's that I have one of the lowest annual expenses in Canada. Period. I spend exactly $16,415.28 to live! If I am that certain that my expenses are so low in comparison to the average Canadian, than I am that certain that I can accurately show you how I spend my money and what we both value doesn't come at a high cost that forces everyone else to work until 40, 50, 60, 70+. Before you get skeptical, keep in mind I'm writing as a taxpayer, a homeowner, a husband, a father, a driver and everything else you and I have come to enjoy living a luxurious middle-class life - a.k.a. the Canadi an Dream. I'm just like you.