Haley and Hank have worked diligently over the years to pay off the mortgage on their Southwestern Ontario home and build a nest egg.
She is 54, a letter carrier; he is 51 and works in customer service. Together, they earn about $108,000.
For some time now, Haley has been worrying whether they were saving enough and whether their savings were properly invested, concerns that became more pressing a few months ago when Canada Post announced it was restructuring and cutting its work force. Haley is perilously close to the bottom of the seniority ladder.
At best, she might get another five years of work, Haley writes in an e-mail. By then she will be 59.