A couple we’ll call Melissa, 45, and Larry, 63, live in Ontario. Melissa is an account manager for a financial institution. Her pre-tax salary of $14,000 leaves her with about $8,500 per month to spend and she banks annual year-end bonuses of $90,000 composed of cash and company stock. Larry retired a few years ago and, even though she is much younger, Melissa is hoping to join him soon. The question is how soon. Melissa...


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