A couple we’ll call Max, 52, and Tess, 53, live in Quebec with their 14-year-old son Louis. Max and Tess work in the high-tech industry. They bring home $8,200 per month after tax, add $300 net rents from two investment condos and $1,500 from Tess’s mother who lives with them for total monthly disposable income of $10,000. The investment condos have estimated prices of $270,000 and $400,000. Max and Tess own three acres of farmland in Ontario worth $50,000. ...

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