We have bad news for you, reader: Real estate is crazy expensive, your money isn’t going to do anything for you in a bank account, and now that $20 in your pocket may start hemorrhaging value just by virtue of existing. Below, a rundown of all the reasons that your loonies could soon be losing up to 5 cents of value every year. If you haven’t noticed, the price of virtually everything is skyrocketing. Lumber prices are out of control: A 2×4 that cost $4 a year ago is now north of $15. Canada’s Food Price Report is seeing grocery prices rise faster than at any point since they started tracking them. Oh, and there’s that little issue of an absolutely untamed housing bubble reaching every corner of the Canadian map. Gasoline is also spiking up in value, but petroleum is always a bit of a wildcard, so it’s best not to lump it in with other consumer spending.