Table 4 Financial indicators of retired population age 55 and over with debt

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	$			Median debt-to-income ratio	Median debt-to-assets ratio
	Median annual household income	Median net worth	Median debt	Median debt-to-income ratio	Median debt-to-assets ratio
Total	42,000	295,000	19,000	0.47	0.07
Age
55 to 64 (ref.)	48,000	305,000	20,000^E	0.53^E	0.09^E
65 to 74	40,000	287,000	18,000	0.44	0.06
75 and over	35,000	F	15,000^E	F	F
Men (ref.)	45,000	310,000	22,000^E	0.59	0.09
Women	41,000	282,000^E	15,000	0.36^*^E	0.06^*
Level of education
Less than high school (ref.)	32,000	125,000^E	13,000^E	F	0.11
High school or some postsecondary	42,000^*	287,000^*	F	0.45	0.06^*^E
University degree	55,000^*	454,800^*	20,000^*	0.49^E	0.07^*
Family status
Widowed	32,000^*	F	F	0.44^E	F
Divorced	28,000^*	126,500^*	F	0.50	F
Never married	33,000^*^E	166,500^*^E	10,000^*	0.58^E	F
In a couple, both retired (ref.)	50,000	360,000	20,000	0.44	0.07^E
Immigrant (ref.)	42,000	295,000^E	35,000^E	0.80^E	0.14^E
Canadian-born	42,000	297,000	15,000^*	0.40^*	0.07^*
Homeowner	50,000^*	369,500	24,000^*	0.57	0.07
Non-owner (ref.)	25,000	F	4,000^E	F	F
Annual household income
Less than $25,000	18,000^*	F	10,000^*	0.58	0.16^*
$25,000 to $49,999 (ref.)	35,000	236,000	18,000^E	0.49	0.08^E
$50,000 to $74,999	60,000^*	470,000^*	25,000^E	0.42^E	0.05^E
$75,000 or more	100,000^*	690,000^*^E	F	0.33^E	0.05^E
Not stated	..	F	F	..	..
Debt level
Less than $5,000	35,000	158,000^*^E	1,500^*	0.04^*	F
$5,000 to $24,999 (ref.)	44,000	285,000	12,000	0.26	0.05
$25,000 to $99,999	50,000	369,500^E	43,000^*	1.00^*	0.11^*
$100,000 or more	62,000	440,000	170,000^*	2.86^*	0.26^*
Net worth (assets minus debts)
Less than $75,000	24,000^*	F	8,000^*	0.47	0.63^*
$75,000 to $399,999 (ref.)	38,500	207,500	20,000	0.49	0.09
$400,000 or more	65,000^*	704,000^*	30,000^E	0.50^E	0.04^*
Not stated	42,000	..	15,000^E	F	..
* significant difference from the reference (ref.) group at the 0.05 level .. not available for a specific reference period. E use with caution. F too unreliable to be published. Source: Statistics Canada, Canadian Financial Capability Survey, 2009.