With the amount of debt Canadians carry and the state of housing markets in our largest cities, interest rates might be the most important financial factor that we regularly ignore. For almost a decade, that was fine. But they’ve just been raised for the fourth time in the past 12 months, and they probably won’t stop here. Canadians need to plan for a period of spiking rates that will impact everything from mortgages and lines of credit, to student loans, savings accounts, and investments. Veteran business and personal finance journalist Bryan Borzykowski gets us up to speed.