Hanji graduated from the university and has worked as a senior consultant for the last 5 years. This year he just got a promotion as a director and his gross income has been increased to $120,000 annually. For the last five, he has lived with his partner, Jane in Yaletown and they have been sharing the rent and living expenses. Jane is a CPA and she works at a CPA firm as a senior accountant. After 5 years of living together, they discussed their relationship and future. Last year in December, Hanji proposed to Jane and then this couple engaged and legally wedded last month. Since they got married, they are considering purchasing a place on their own. They both work downtown and have no need for a vehicle. They both enjoy the lifestyle and convenience to work downtown. However, they are thinking to have a child next year and both grew up in a small families without siblings. They prefer to have a single child as they both are career-driven individuals and think to become a managing partner in their firms in a few years. Jane grew up in a middle-class family and her parents promised to help her with her down payment, $250,000 as a gift to her and their grandchild. Hanji is always smart with his money and while working, he always invests his earnings into EFT and cryptocurrency. Now, he has $250,000 in his investment account and he is willing to use his savings toward their home purchase. Jane will keep working after birthing her child and her annual salary will continue to be $95,000 before tax. Their current living expenses range at $3500 per month including rent and entertainment. They are comfortable with the lifestyle, and they are not willing to compromise.

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