Two jobs plus income from three rental units still not enough to secure Ontario woman's retirement

A woman we’ll call Vivian, 40, lives in southern Ontario with her 19-year-old daughter, a university student. Vivian has two jobs  — one as a civil servant with a $104,000 annual pre-tax income, the other in real estate sales, where she earns $20,000 before tax. She has three rental units which generate $34,800 per year in gross income before expenses. Her pre-tax gross annual income, $13,233 per month, dwindles to $7,482 per month after mortgage costs for the rentals. That’s little return...