The harsh reality is most Canadians have concerns about their debt, and are losing sleep over their financial issues due to rising costs, restrictive credit conditions and high interest rates. The average Canadian has trouble affording the essentials and maintaining a home.

Together we will examine solutions to this modern financial reality. You want to retire, but housing costs and inflation are conspiring to thwart this dream.

You lack a strategy to retire. You don't know how much to save, what to invest in, when to stop working, what government programs can assist you and at what age.

Should you live in the same province, out of province or out of the country?This book is about giving back control, setting priorities and establishing stability. You are worried about how you are going to navigate and manage your healthcare and access healthcare services when you retire.

You may have to enter long-term care, and there are options and solutions for how you can live and finance it. In the early years, you may want to travel in retirement.

You need to create a rigorous budget plan to do so effectively. You want to help your children.

Let us examine how you do this with the least amount of financial damage to you and to them. .