"Fatima is 58, an RN at the University of Alberta Hospital who's done 35 years of shift work. Salary: $108,000. She has a Local Authorities Pension Plan (LAPP) defined-benefit pension that will pay her ~$3,800/month from age 65, plus $180,000 in her RRSP, $42,000 in her TFSA, and a paid-off townhouse worth ~$420,000."