I can start, and Matt can jump in.
I think we follow research that has been published by the Bank of Canada in its financial stability review. That publication explicitly tries to identify vulnerabilities in the financial system and in the macroeconomy from this. We've seen there that the biggest strains are concentrated in a relatively small share of the household sector: vulnerable groups, renters, younger households, lower-income households and some newcomers. It's not the case that all households are necessarily stressed or vulnerable in that way.
They also noted that about 8% of households are living paycheque to paycheque, and these folks are particularly exposed to shocks. Data from the survey they presented said that about 10% are facing financial stress that may not be sustainable.