Outrageously funny.

My home in Phoenix would cost at least double the equivalent in Calgary, 4 to 5 times in Toronto or Vancouver, IF I could find a 75' x 200' lot.  Mil rates higher , but raw dollar to dollar, still at least 50% less. HOA services are spectacular.

Restaurant bills? Upper scale, they are 2/3, or less, even factoring in exchange. A $120 meal in Scottsdale (say $170 CDN) feeds 4 adults, easily, including wine and dessert. In Calgary, forget the wine, and endure atrocious service.

Golf? Peak season rates on Troon courses range from $75 to $150 US. Equivalent courses in Calgary (short season unlike Victoria) are as high or higher. Meanwhile, from May through November, golf rates in Phoenix range from low to giveaway. Your statement on this issue is ludicrous.

Costco prices for food, especially fruits and vegetables, are again, 1/2 those of Calgary. Much better quality except beef.

Overall - cost of living, minus health care, 1/2 or less. No question.