In B.C., a woman we’ll call Olivia, 65, works as a management consultant. She brings home $6,575 per month after tax. She has a $1.35 million house with a $220,000 mortgage, $492,000 in her RRSP and a plan: stay in the house as long as possible to entertain her children and grandchildren and move gently from her work to retirement in about five years. “I intend to keep working full time for five more years to 70 and then...

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