Canadian household net worth grew 1.3% to $18.6 trillion in Q4, driven by financial asset gains despite a 2.2% decline in home prices. The debt-servicing ratio decreased slightly to 14.57%, aided by income growth and lower interest rates, though mortgage pressures remain elevated. Household credit market debt rose moderately to $3.2 trillion, with mortgage borrowing leading. The savings rate fell to 4.4% as spending outpaced income growth.