Near a small town in Ontario, a couple we’ll call Bonnie, 49, and Oscar, 55, are raising their six-year-old child. Bonnie runs a small marketing business and brings home $5,747 a month. Oscar, a retired civil servant, has take-home pension income of $4,240 a month. They add $800 a month rental income from an apartment in their home and will receive about $60 a month from the non-taxable Canada Child Benefit, for total monthly income of $10,847 after tax. Their two older children, ages 19 and 21, live on their own with some financial assistance from the parents.