| 1 | A | B | C | D | E |
| --- | --- | --- | --- | --- | --- |
| 2 | financial expectations and average non-mortgage debt, all families |  |  |  |  |
| 3 |  | average difference between the non-mortgage debt of families with positive expectations and that of other families |  | average non-mortgage debt |  |
| 4 |  | homeowners | renters | homeowners | renters |
| 5 |  | 2016 dollars |  |  |  |
| 6 | all family units | 6,836 | 2,020 | 22,338 | 9,135 |
| 7 | age of major income earner |  |  |  |  |
| 8 | 25 to 34 | 9,319 | 1,951 | 23,481 | 13,431 |
| 9 | 35 to 54 | 5,533 | 1,322 | 27,162 | 9,992 |
| 10 | 55 or older | 8,707 | 2,598 | 16,521 | 4,464 |
| 11 | education level of major income earner |  |  |  |  |
| 12 | high school or less | 3,956 | 2,239 | 18,746 | 6,381 |
| 13 | postsecondary education | 5,781 | 1,221 | 23,129 | 10,674 |
| 14 | university degree | 9,748 | 1,798 | 26,522 | 13,888 |
| 15 | immigration status of major income earner |  |  |  |  |
| 16 | landed immigrant | 6,771 | 792 | 22,912 | 8,900 |
| 17 | canadian-born | 6,610 | 2,219 | 22,174 | 9,197 |
| 18 | 1999 | 5,505 | 2,389 | 13,896 | 7,836 |
| 19 | 2005 | 3,379 | 1,966 | 22,041 | 8,554 |
| 20 | 2016 | 10,376 | 1,859 | 29,088 | 10,728 |

Question: list all years in which data are pooled.
Answer: 1999, 2005, 2016

Question: what is the difference in non-mortage debt between homeowner families with positive expectations and other homeowner families?
Answer: 6836

Question: what is the average non-mortgage debt among homeowners?
Answer: 22338