A couple we’ll call Bill, 51, and Cindy, 49, live in Vancouver with their 11-year-old child, Kim. Bill drives a truck for the local government pulling down $4,200 per month before tax. The Canada Child Benefit and various federal and provincial credits add $456 per month. He adds $2,000 from dividends for pre-tax income of $6,656. Cindy is a homemaker. Their financial situation would be squeezed given the high cost of...
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