In Ontario, a couple we’ll call Trish, 58, and Ellis, 60, have built a comfortable life. Trish has retired from a local government unit. Ellis, a public safety manager, plans to retire within two years. Each has a defined-benefit pension. They have an enviable net worth of $2.4 million including an $850,000 house that is fully paid for. They save $1,250 per month. They have purchased a new recreational vehicle that sits in their driveway, waiting to take them on an odyssey around North...


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