In Alberta, a woman we’ll call Tess, 52, has a solid job with a tech company. Her income is $125,000 plus stock and cash bonuses that add $30,000 per year. She has a $350,000 townhouse with a $128,000 mortgage, a $670,000 investment property in B.C. with a $490,000 mortgage and financial assets that add up to about $440,000. She would like to retire in eight years when she is 60 but worries that with her $618,000 of mortgage debt and the uncertainty of the Alberta economy her plan may not...

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